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.

James Lowden is a CFP®-designated financial advisor with UBS Financial Services in Pittsburgh, PA, with 46 years of industry experience. He has been with UBS since 1979. UBS Financial Services Inc. serves individual, corporate, and institutional clients with 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 strategies.

Shannon Mccarey is a financial advisor at Morgan Stanley in Monroeville, PA, holding a Series 66 designation with 18 years of industry experience. She has worked at Morgan Stanley and its Private Bank since 2017 and previously spent nine years with Federated Investors and its affiliated entities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Joseph Figurelli is a financial advisor at Ameriprise with eight years of industry experience. He holds a Series 66 designation and has worked at Ameriprise since 2018, following two years at EY. Outside of his advisory role, he co-owns and manages operations for a tax preparation business, Tax Man Joe LLC. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering specialized retirement income planning focused on tax-aware withdrawal strategies and dependable income sources. The firm integrates proprietary research and third-party data in its recommendations, with an emphasis on clients meeting specific asset criteria and utilizing Ameriprise-managed assets.

Michael Spiller is a financial advisor with LPL Financial, holding a Series 66 designation and one year of industry experience. Before entering the financial services field, he worked at CVS Health for nine years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and model portfolio programs, and supports advisors with tools such as machine learning for research and operations.

Anthony Figurelli is a financial advisor with Ameriprise, holding a Series 66 designation and 12 years of industry experience. He has been with Ameriprise and its affiliate since 2013. Outside of advisory work, he holds ownership in a business called Zipmia, LLC, established for estate planning purposes. Ameriprise provides a retirement-income planning service targeted at individuals approaching or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to generate written recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Timothy Weishorn is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 63 license and bringing 27 years of industry experience. He previously worked at LPL Financial and Wells Fargo Advisors. He serves as a non-profit board member of the Pineview Condo Association in Greensburg, PA. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, and institutional investors. The firm offers tailored, non-discretionary advisory services using risk profiling and modeling tools, and it maintains a unique affiliation with a municipal advisor to support its public finance work.

Robert Glatt is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. Prior to joining LPL Financial in 2021, he worked for various insurance carriers and Waddell & Reed, Inc from 2000 to 2021. 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, and institutional platforms, supported by a large network of investment adviser representatives.

Nestor Lutsiv is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His prior roles include positions at Bank of America, GrubHub, and Abarta, as well as work at the University of Pittsburgh and self-employment. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations by implementing model-based and discretionary investment strategies.

Mauricio Sanchez Rodriguez is a financial advisor at Ameriprise with a Series 66 designation and three years of industry experience. Prior to joining Ameriprise in 2022, he held positions at Seven Springs Mountain Resort and Saint Vincent College. Outside of his advisory role, he works as an independent contractor delivery driver for DoorDash. Ameriprise is a large institutional firm that offers a retirement-income planning service for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide non-discretionary recommendations delivered through a centralized consulting team.

Brian Fetsco is a financial advisor with Mass Mutual Investors Services in Greensburg, PA, holding Series 65 and Series 63 licenses and possessing 22 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Company since 2014. Outside of advising, he is involved in providing life, health, and disability insurance and is the owner of Fetsco Financial LLC. 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 offers financial planning, asset management, and educational seminars, employing firm-approved software tools to analyze client goals and deliver written recommendations.

Stephen Small is a financial advisor with Equitable Advisors in Jeannette, PA, holding a Series 66 designation and nine years of industry experience. He previously worked at AXA Advisors, LLC, and has served as a consultant for Marc Jacobsen & Associates. He is also the treasurer for the Ligonier Lodge 331 F&AM in Ligonier, PA. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management programs delivered through Investment Adviser Representatives and third-party managers. The firm offers a variety of investment vehicles and ERISA fiduciary services and operates without its own wrap fee program, relying on third-party sponsors and affiliated entities.

Chad Rosensteel is a financial advisor with Edward Jones in Greensburg, PA, holding the ChFC® designation along with Series 63 and Series 66 licenses. He has 25 years of industry experience, including two years at Allstate Insurance Co before joining Edward Jones in 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with more than $1 trillion in assets under management. The firm offers a variety of advisory programs and investment strategies, operating under a fiduciary standard and supported by a nationwide network of approximately 23,701 financial advisors.

Benjamin Bagnato is a financial advisor with Mass Mutual Investors Services, holding CFP® and Series 63 designations and bringing 12 years of industry experience. He previously worked at Northwestern Mutual in various capacities from 2014 to 2024. In addition to his advisory role, he operates BFB Resources, LLC, an S-Corp structure for financial planning and wealth management services, and is also licensed as an insurance agent for life, disability, long-term care, and fixed annuities. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, wrap and money-manager programs, and educational seminars, with an emphasis on collaborative, annual planning engagements that utilize firm-approved tools and do not grant investment discretion to advisers.