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.

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.

Zachary Gallagher is a financial advisor at UBS Financial Services with four years of industry experience. He holds a Series 66 designation and has worked at several financial institutions, including LPL Financial and Northwest Bank. Prior to his advisory career, he spent seven years with ZMC Foods Division. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services and offers a broad platform including custody, underwriting, and alternative products.

Fallon Zecca is a Series 66-credentialed financial advisor at UBS Financial Services with one year of industry experience. Prior to joining UBS, Fallon has held roles at multiple firms and is involved in entrepreneurial activities including Vincents Pizza and The Om Lounge. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services to tailor investment plans based on proprietary research and model-based asset allocations.

Shane Downey is a Senior Financial Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Mr. Downey earned a Bachelor's Degree from the United States Military Academy and a Master's Degree from George Mason University.

Julie Heckmann is a Wealth Management Advisor at Merrill Lynch Wealth Management with nearly three decades of experience in the industry. She specializes in retirement planning and focuses on creating sustainable retirement income strategies and structuring portfolios around these objectives. Julie's approach integrates clients' values and objectives to align financial planning with their life goals. She holds several professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), Certified Investment Management Analyst® (CIMA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Income Certified Professional® (RICP). Julie earned her bachelor's degree from Grove City College. Her expertise supports the development of custom income solutions that are resilient to market volatility and sophisticated portfolio strategies. In addition to her professional work, Julie is involved in community service with the Westmoreland County Food Bank. She enjoys cooking, bicycling, traveling, and spending time with her family.

Ryan Hutchison is a financial advisor with Edward Jones in Pittsburgh, PA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Edward Jones since 2004. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including households of varying net worth, pension and profit-sharing plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

John Duncan Jr. is a Series 65-licensed financial advisor with Cambridge Investment Research Advisors, where he has worked since 2017. He has 15 years of industry experience and is also the principal of Duncan Insurance Group, Inc., operating since 1983. Duncan serves on several local boards, including the Keystone Insurers Group, Norwin Chamber of Commerce, and Norwin School District Community Foundation, and he is president of the Norwin Public Library Board of Trustees and a private hunting camp. Cambridge Investment Research Advisors serves a broad range of individual and institutional clients, including pension and charitable organizations, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals and multiple platform options.

David Alderson Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 21 years of industry experience. His prior roles include positions at Robert Baird & Co., Hefren Tillotson, Inc., and TIAA-CREF. 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 advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supported by advanced research and technology tools.

Patrick Mcgrogan is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and possessing 16 years of industry experience. His prior work includes roles at Prudential Insurance Company of America, Pruco Securities, LLC, MassMutual, and MetLife Securities. Outside of advisory work, he is involved with The Rock Financial Services Westmoreland LLC, a business entity formed for joint management of office-related expenses and tax preparation. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, corporate, and charitable entities. The firm employs a model-driven investment approach, using portfolios developed by LPL’s Research Department and third-party strategists, and offers access to various financial planning, asset management, and insurance products.

Edward Kavo is a CFP® professional with 49 years of experience in the financial industry. He has been with Cambridge Investment Research Advisors since 2011 and previously worked at Walnut Street Securities and Walnut Street Advisers. He serves as a board member of the Christ United Methodist Church Prime Time program. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individuals, institutions, pension funds, and charitable organizations by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of financial professionals and manages a multi-billion dollar asset base across multiple platforms and custodians.