Eric Graupensperger is a financial advisor with MassMutual Investors Services who holds Series 63 and Series 65 licenses and has 17 years of industry experience. He has worked at MML Investors Services since 2018 and previously held positions at Lombard Securities and IFS Securities. He is also licensed as a life and health insurance agent. MassMutual Investors Services, a subsidiary of MassMutual, serves individuals, business owners, trusts, estates, charitable organizations, and employers by providing financial planning, asset management, and educational seminars. The firm emphasizes collaborative, annual financial planning engagements using firm-approved analytical tools and offers event-driven planning services such as estate-settlement and divorce planning.

Stacy Mensch is a financial advisor with Morgan Stanley in Wyomissing, PA, holding a Series 66 designation and eight years of industry experience. She has been with Morgan Stanley since 2006. Outside of her advisory role, she operates a small business making and selling handcrafted jewelry on Etsy. Morgan Stanley Wealth Management provides advisory services and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets and offering a range of investment programs supported by structured planning tools.

Kevin Miller is a CFP® with 12 years of industry experience, currently affiliated with LPL Financial in Wyomissing, PA. He has been with LPL Financial since 2014. Outside of his advisory role, Miller is also a notary. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs incorporating discretionary and non-discretionary management, model portfolios, and research support.

Erik Montalvo is a financial advisor at Charles Schwab with 13 years of industry experience. He holds a Series 66 designation and has worked previously at Morgan Stanley Private Bank, Morgan Stanley, and M&T Bank. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory models with access to affiliated discretionary portfolios and features a centralized operational structure that supports a high client coverage ratio per advisor.

Cheryl Hartman is a financial advisor at Morgan Stanley with 8 years of industry experience. She holds Series 63 and Series 65 designations and has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools such as Monte Carlo simulations and Secular Return Estimates as part of its financial planning process.

Philip Boyer is a financial advisor with Morgan Stanley in Wyomissing, PA, holding a Series 66 designation and 26 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he owns and manages a rental property in Baltimore, MD. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, delivering tailored financial planning supported by structured discovery and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers various investment and planning services, including corporate financial planning agreements.

Emanuel Ludwig is a financial advisor with RBC Capital Markets in Lancaster, PA, holding a Series 66 designation and 16 years of industry experience. He has worked at RBC Capital Markets since 2009 and is also affiliated with City National Bank since 2020. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs with tailored investment strategies that incorporate both in-house and third-party managers, along with integrated capital markets capabilities.

William Waters is a CFP® professional with 34 years of industry experience, currently serving at LPL Financial since 2018. He previously worked at INVEST Financial Corporation and has been involved in tax preparation and accounting services through his role as president of MMW, Inc. since 2010. LPL Financial is a national SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, supported by both in-house and third-party research and portfolio management strategies.

Anthony Kidron is a financial advisor at Equitable Advisors with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo Clearing Services and The Vanguard Group. Outside of his advisory role, Kidron has an entrepreneurial venture under the DBA Surgeons Capital Management. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, and institutions, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as a dual-registered SEC investment adviser and broker-dealer, working extensively through program sponsors and third-party managers to provide advisory and brokerage solutions.

Joshua Donaldson is a CFP® with 14 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2016. His prior roles have all been within the Wells Fargo organization. Outside of his advisory work, he serves on the finance committee at Crossway Church in Millersville, PA. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Michael Affigne Jr. is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His career includes roles at J.P. Morgan Securities, JPMorgan Chase Bank, and Wells Fargo Bank, as well as ownership of a steakhouse and lobster restaurant. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Christopher Mueller is a CFP® professional with 13 years of industry experience, currently advising clients at LPL Financial since 2020. His prior roles include positions at Commonwealth Financial Network and Spring Ridge Financial Group, as well as an earlier career at PricewaterhouseCoopers LLP. Mueller is also involved in a tax preparation service under CM Tax Consultants LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by model portfolios and research from both internal and third-party sources.

Jennifer Guthier is a financial advisor at Morgan Stanley with Series 63 and Series 65 credentials and 32 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and at Citigroup Global Markets since 2006. 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 that utilizes structured discovery and firm-approved planning tools.

Todd Martin is a CFP® with 20 years of experience in the financial services industry. He currently works at OSAIC and has prior experience with American Portfolios Financial Services Inc, Commonwealth Financial Network, and Videre Wealth Management. In addition to his advisory role, he is involved with Teacher Benefit Strategies, where he performs paraplanning and operational support tasks. OSAIC serves a diverse client base including individual, high-net-worth, pension, and corporate clients through a large network of financial advisers. The firm offers a range of investment advisory and brokerage services, utilizing asset-allocation tools and third-party solutions to manage portfolios across multiple asset classes.

John Mccoy II is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. His career includes over a decade at Securities America Advisors and Securities America, Inc., as well as running his own advisory business for 30 years prior to joining LPL Financial. He is also a commissioned notary in the state of Pennsylvania. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual investors, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and institutional solutions, providing both discretionary and non-discretionary portfolio management supported by model portfolios and research.

Sheila Stotler is a financial advisor with MassMutual Investors Services in Lancaster, PA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. She previously worked at Brinker Capital Securities, Inc. for 21 years before joining MassMutual in 2021. Outside of her advisory role, she serves as an executor of an estate and works as a structured settlement insurance agent. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, and charitable organizations. The firm offers financial planning, asset management, and educational seminars, using firm-approved software tools to support collaborative, annual planning engagements.

James Geosits II is a financial advisor at Merrill with seven years of industry experience. He holds the Series 66 designation and previously worked at Bayshore Ford from 2016 to 2019. Outside of his advisory role, he is involved in manufacturing and selling soap through an LLC and has experience buying and selling used automobiles through separate business ventures. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Dieter is a financial advisor with LPL Financial in Lancaster, PA, holding a Series 66 designation and 23 years of industry experience. His prior experience includes roles at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and Metlife Securities. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing research from LPL and third-party subadvisors to support diversified investment strategies.

Peyton Reider is a financial advisor at Ameriprise with three years of industry experience. He holds the Series 66 credential and previously worked at Equitable Advisors. Outside of finance, he has experience in the restaurant industry and has been involved with C&S Towing and Recovery since 2016. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Darryl Benfield is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with LPL Financial since 2012 and also maintains a long-term affiliation with Wyndham Advisors, LLC. Outside of his advisory work, he is licensed as a non-variable insurance agent offering life, long-term care, and disability insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services supported by research and model portfolios, including both discretionary and non-discretionary management options.