Michael Ruisch is a financial advisor at Raymond James & Associates with one year of industry experience. He holds a Series 66 designation and has prior experience working at DoorDash and Fairstone Group Limited. Outside of his advisory role, he serves as a basketball referee for a summer league for boys and girls in grades 3-10. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a broad client base, including individuals, institutions, and municipal entities, offering financial planning and consulting with a range of portfolio management styles and affiliated research resources.

Laura Saunders is a financial advisor at Merrill with 23 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Merrill since 2018. Prior to that, she was affiliated with Wells Fargo Clearing, Wells Fargo Bank, N.A., and Wells Fargo Advisors. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Stephen Parrish is a financial advisor at Edward Jones with 23 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Edward Jones since 2004. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of advisors and branch offices.

John Ragan is a financial advisor at Merrill with 13 years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2016, transitioning to Bank of America, N.A. in 2025. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Edward Clewell is a financial advisor at Raymond James Financial with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at firms including Girard Advisory Services and Univest Investments. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a wide range of clients including individuals, corporations, and institutional investors. The firm uses tailored, non-discretionary advisory services supported by analytical tools and technology to help clients implement their financial goals.

John Giancaterino Jr. is a ChFC® with 42 years of industry experience, currently affiliated with Cetera. His prior experience includes roles at VOYA Financial Advisors and managing his own firms, Giancaterino and Associates and WealthWorks Financial, LLC. He is also involved in fixed insurance product sales and life settlements through his independent insurance agency. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large network of independent advisors, serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services with multiple program structures and affiliations.

Carmen Locascio is a financial advisor with Mass Mutual Investors Services, holding a Series 63 license and having 32 years of industry experience. He previously worked at Metlife Securities Inc. for 23 years before joining Mass Mutual Investors Services in 2017. Locascio also maintains a role as an insurance agent specializing in life and health insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning and asset management services using firm-approved tools and offers event-driven planning programs along with educational seminars.

Karen Prudencio is a financial advisor at Wells Fargo Clearing with seven years of industry experience. She holds Series 63 and Series 66 licenses and has been with Wells Fargo Clearing Services since 2018, having also worked at Wells Fargo Bank since 2011. Outside of her advisory work, she co-owns Pocono Latin Fest, a community event in Tobyhanna, Pennsylvania. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm offers both discretionary and non-discretionary services, utilizing an IPS-driven approach grounded in modern portfolio theory and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Scott Hoffman is a financial advisor with Morgan Stanley in Allentown, PA, holding Series 63 and Series 65 licenses with 42 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutional clients, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Martin Kovach is a financial advisor with Wells Fargo Clearing in Allentown, PA, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he serves as an executor and holds power of attorney for family investment matters. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm follows an IPS-driven advisory process based on modern portfolio theory and includes insurance-related vehicles and bank deposit sweep options in its investment menus.

Edward Schrimpe is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior roles include over two decades at American Portfolios Financial Services, Inc., as well as positions at OSAIC and Veravest Investment Advisors, Inc. He is also involved in asset and wealth management related to life insurance, long-term care, and fixed annuities outside of securities. 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 wide range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by technology and extensive non-advisory financial activities.

Geronis Gervacio Lalane is a financial advisor at Merrill with a Series 66 credential and no prior years of industry experience. He has held positions at Bank of America, Merrill, Enterprise Mobility, Ocean Health Initiatives, Medicalls, and Adohealth. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Vandon Cooper is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and 18 years of industry experience. He has worked at Primerica Financial Services since 2005 and PFS Investments Inc since 2008, and more recently at Diehl Financial Group. In addition to advisory work, he is involved in the sale of loan products and home-related services through affiliates of PFS Investments Inc. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm offers a wrap-fee asset management program featuring model-based strategies managed by external asset managers and supported by custodial and trade execution services from Pershing.

Zachary Myers is a financial advisor at Morgan Stanley in Allentown, PA, with nine years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Ameriprise Financial Services, Northwestern Mutual Investment Services, and with Jason Espenshade. Outside his advisory role, he is employed in food delivery with Grubhub. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured financial planning process incorporating firm-approved tools and modeling techniques.

Jamie Fields is a financial advisor with Merrill in Allentown, PA, holding Series 63 and Series 66 registrations and bringing 19 years of industry experience. He has worked with Merrill since 2014. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for a range of clients including individuals, high-net-worth clients, and institutional investors.

Kasey Dreste is a financial advisor with Wells Fargo Clearing in Allentown, PA, holding a Series 63 designation and six years of industry experience. Prior to joining Wells Fargo in 2018, Dreste worked at M&T Bank and Pencor Services. Outside of advisory work, Dreste serves as a notary public in Allentown. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of investment options, such as insurance-related vehicles and bank deposit sweep programs.

Catherine Beitzel is a financial advisor with Merrill in Allentown, PA, holding Series 63 and Series 65 credentials and over 42 years of industry experience. She has been with Merrill since 1982. Outside of her advisory role, she serves as Secretary for the Council at Zion Lutheran Church in Leola, PA. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

David Antonchak is a CFP®-certified financial advisor with 30 years of industry experience. He is currently with Cetera and has previously worked at Investors Capital Corp. and operated his own financial firms. In addition to his advisory work, he is licensed to sell various types of fixed insurance products. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform that includes both affiliated and third-party managers.

Jason Monteagudo is a financial advisor with OSAIC, holding the ChFC® designation and Series 63 and 65 licenses, and has 18 years of industry experience. He previously worked at Signator Investors Inc. for 10 years before joining OSAIC in 2018. Outside of his advisory role, he serves on the boards of two cornhole leagues, assisting with event organization and sponsorship allocation. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, employing various asset-allocation tools and third-party solutions to manage portfolios across a diverse set of investment vehicles.

James Slaska is a financial advisor with Wells Fargo Clearing in Allentown, PA. He holds Series 63 and Series 65 licenses and has 31 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.