Brett Kovach is a financial advisor with Mass Mutual Investors Services in Greensburg, PA, holding a Series 66 designation and 19 years of industry experience. He has been with Mass Mutual and its subsidiary MML Investors Services since 2012. Outside of his advisory work, Kovach is also licensed as a sales agent for individual life, group life, and fixed annuity products. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes annual, collaborative planning engagements using firm-approved software tools and offers various specialized planning programs.

Scott Rosa is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He worked at Pruco Securities, LLC for 27 years before joining LPL Enterprise in 2024. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and affiliated insurance and trust services.

Bryan Davis is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. His prior roles include two decades at LPL Financial and ownership of The Advisors, LLC. He is also involved as an insurance agent selling life, health, disability, and long-term care policies. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services, featuring a multi-manager platform with access to both affiliated and third-party managers across discretionary and non-discretionary program options.

Frederick L. Haas is a Wealth Management Advisor at Merrill Lynch Wealth Management and a managing director with the Thompson - Haas Group. Since joining Merrill in 2014, Fred has focused on organizing the financial lives of families and businesses, particularly serving health care professionals, business owners, and retirees. His expertise includes family wealth management strategies, personal retirement planning, and small business strategies, supported by comprehensive financial planning, investment management, trust and estate planning, loan management, and generational support services. Fred holds multiple professional credentials, including CERTIFIED FINANCIAL PLANNER® (CFP), Certified Plan Fiduciary Advisor® (CPFA), and Certified Private Wealth Advisor® (CPWA). He earned his bachelor's degree from the University of Kentucky. Dedicated to ongoing professional development, Fred uses his knowledge to educate clients and help them make sound financial decisions tailored to their unique needs. Residing in Greensburg, Pennsylvania, Fred lives with his wife, Natalie, and their two children. He is actively involved in his community as the current president of the board of directors for Big Brothers Big Sisters of the Laurel Region, where he also serves as a Big Brother. In his personal time, Fred enjoys running, golfing, hiking, and spending time with his family.

Jared Dykes is a financial professional with 16 years of industry experience, currently affiliated with Cetera. He holds Series 63 and Series 65 designations and has worked at notable firms including Avantax and LPL Financial. He is also involved with CEC Financial Group. Cetera Investment Advisers LLC serves individual and institutional clients through a large network of independent advisors, offering a range of portfolio management and financial planning services across multiple program structures and custodial relationships.

Mary Ann Ernette is a financial advisor with LPL Financial in Pittsburgh, PA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. Her prior roles include positions at Ic Advisory Services Inc, The Investment Center Inc, Fifth Third Securities, Inc., Citizens Securities, Inc., and Uvest Financial Services Group, Inc. Since 2012, she has also been associated with the AVS Foundation and is involved with The Eamon Foundation as an outside employment activity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment services, including model portfolios and third-party asset management, supported by extensive operational tools and a broad network of over 22,800 advisors.

Matthew Smallidge is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 65 credentials and has worked at several firms, including Cincinnati Life Insurance Company and Citizens Securities, Inc. He has also held roles at J.P. Morgan Securities and Jpmorgan Chase Bank since 2020. J.P. Morgan Securities offers institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their program provides non-discretionary asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Michelle Kish is a Wealth Management Advisor at Merrill Lynch Wealth Management. She specializes in helping high-net-worth families and individuals develop customized, flexible wealth management strategies. Michelle's approach emphasizes personalized service and comprehensive planning that includes retirement planning, estate and insurance planning, education planning, and liability management. She collaborates with other professionals such as CPAs and attorneys to ensure alignment with clients' long-term goals. Michelle earned a Bachelor's Degree from the Pennsylvania State University System and holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Her experience and credentials support her analytical approach combined with empathy, enabling her to build trust with clients and address both financial and personal aspects affecting their wealth. Residing in her hometown of Murrysville, Pennsylvania, Michelle is active in her community, serving on the board of the Franklin Regional Athletic Association and participating with the Leukemia & Lymphoma Society. She enjoys spending time with her two children, Brody and Brooklyn, and her personal interests include skiing, attending sports events, reading, traveling, biking, boating, running, swimming, and watching movies.

Matthew Wirtz is a CFP® professional with 19 years of industry experience, all spent at Edward Jones since 2007. He holds a Series 66 license and is based in Irwin, PA. Outside of his advisory role, he owns an LLC focused on real estate investments. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over $1 trillion in assets under management. The firm offers a range of advisory programs and investment options, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Justin Wegley is a financial advisor at LPL Financial with five years of industry experience. Prior to joining LPL in 2022, he worked at Trustmont Financial Group and Bayer US LLC. He also operates a tax preparation and accounting service under Puzak Wegley Tax Services. LPL Financial provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of investment solutions including financial planning, model portfolios, and institutional platforms, supported by research and technology tools.

Hayden Pascoe is a financial advisor with LPL Enterprise holding a Series 66 credential and three years of industry experience. His prior roles include positions at The Prudential Insurance Company of America and Pruco Securities LLC. Outside of advising, he is involved in selling Medicare advantage and supplement plans through Health Benefits Group. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, and corporate entities. The firm’s investment approach is primarily model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists.

Michael Franklin is a financial advisor at OSAIC with 38 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at Sagepoint Financial, Inc. for 14 years. Franklin is also president of Patrick Financial Co., where he is involved in fixed insurance services. OSAIC Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a broad range of brokerage and advisory services supported by a model-based investment process and operates a large multi-advisor platform with various program offerings.

Maryanne Eckels is a financial advisor at Stifel with 33 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Stifel since 2009, following a prior role at Painewebber Incorporated. Outside of her advisory role, she serves as a Trustee of the Endowment for the Boy Scouts of America Westmoreland Fayette Council. Stifel provides a range of brokerage and investment advisory services to individuals, institutions, and charitable organizations. The firm’s investment approach is supported by proprietary methodologies developed by its Investment Strategy Group, offering clients analysis and guidance across asset allocation, retirement, insurance, and estate planning.

Lisa Lucas is a financial advisor at UBS Financial Services with 24 years of industry experience. She has worked at UBS since 2016 and previously spent seven years at Morgan Stanley, including two years at Morgan Stanley & Co. LLC, as well as three years at PNC Wealth Management. She holds Series 63 and Series 65 licenses. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Craig Cacini is a CFP®-credentialed financial advisor with Raymond James & Associates, bringing 12 years of industry experience. He previously worked at Wells Fargo Clearing Services, LLC for six years before joining Raymond James in 2022. Outside of his advisory role, he is the owner and CEO of Beautiful Green Enterprises, LLC, a company involved in the purchase, renovation, and rental of residential real estate properties. Raymond James & Associates, Inc. is a large dually registered broker-dealer and SEC-registered investment adviser serving a diverse range of clients, including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing a variety of portfolio management styles supported by extensive research and model manager options.

Perry Ninness is a financial advisor at UBS Financial Services with six years of industry experience. He has worked at UBS since 2015, with a two-year tenure at Bank of New York Mellon in between. He also has been affiliated with the University of Pittsburgh for ten years. Perry previously held a real estate sales license with Keller Williams Realty but is no longer active in that capacity. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor plans according to client goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services and provides a broad range of financial products and capital markets functions.

Kelly Perney is a financial advisor at OSAIC with eight years of industry experience. She holds a Series 66 designation and has worked at Mosaic Wealth Consulting and Indiana First Savings Bank prior to joining OSAIC. Outside of her advisory work, Perney serves as a notary public. OSAIC Wealth serves a diverse range of retail and institutional clients, offering both brokerage and advisory services through a multi-advisor platform. The firm’s investment approach focuses on model-based asset allocation and portfolio optimization, providing strategies that include discretionary management, third-party managers, and proprietary models.

David Oblock is a financial advisor with Cambridge Investment Research Advisors, holding a Series 63 designation and bringing 40 years of industry experience. He has been with Cambridge Investment Research since 2012 and also has a long-standing career as a professional musician. Oblock participates as a board member and officer in several private companies. Cambridge Investment Research Advisors serves a diverse client base that includes individual investors as well as pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm utilizes multiple platforms and custodians to provide both discretionary and non-discretionary management, and it maintains proprietary model strategies under the Founders Gate Capital brand.

Brett Pechersky is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. He has 26 years of industry experience, including roles at Cambridge Investment Research Advisors since 2013 and Berer Financial Management since 2001. Outside of his advisory work, he teaches a non-credit adult education course called Seasoned Investors and serves as comptroller for Temple David Synagogue. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and offers various platforms for discretionary and non-discretionary management, as well as proprietary model strategies under the Founders Gate Capital brand.

Jeffrey Ruffing is a financial advisor at OSAIC with 20 years of industry experience. He holds the CFP® and Series 66 designations and previously worked at Lincoln Financial Advisors Corporation, MSI Financial Services, Inc., and Ameriprise. Outside of advising, he is involved in insurance services, offering a variety of health, disability, annuity, and life insurance products. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporations. The firm provides a wide range of brokerage and advisory services supported by a model-based investment process and a multi-advisor platform.