Louis Mammana is a CFP® professional with 14 years of industry experience, currently serving as an advisor at LPL Financial. His prior roles include eight years at Next Financial Group, Inc., and previous experience with Private Advisor Group, LLC and LPL Financial. He is also a managing member of Number Crunch Tax Solutions, LLC, a tax preparation and accounting firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of financial planning and investment management solutions through a large network of advisors, utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes.

Joseph Saccon is a CFP® professional with 32 years of industry experience, currently serving as a financial advisor at Morgan Stanley. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016, and previously spent ten years at Merrill. Outside of his advisory role, he serves as president of a small condominium association in Cape May, New Jersey. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs for individuals and institutional clients, including customized financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides planning services both directly and through corporate agreements.

Regina Metzger is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds the Series 66 designation and has been with Morgan Stanley since 2009, serving at both Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. Outside of her advisory role, she is chairperson of the Indianland Garden Club, a nonprofit involved in public outreach and fundraising for gardening charities. Morgan Stanley Wealth Management provides a broad range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets through tailored planning processes and diverse investment offerings.

Timothy Hickey is a financial advisor with Raymond James & Associates and holds Series 63 and Series 65 credentials. He has 32 years of industry experience, including previous roles at Merrill and Bank of America. He serves as a board member for the Perkiomen Valley School District Foundation, a charitable organization focused on fundraising support. Raymond James & Associates is a large, dually registered broker-dealer and investment adviser serving a diverse client base including individuals, institutions, and charitable organizations. The firm offers financial planning and consulting services, with a range of portfolio management styles supported by affiliated research and model managers.

Nonamegiven Aloyeious is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and two years of industry experience. He has worked at several firms including Morgan Stanley and Citizens Bank. Outside of financial services, he is the founder and sole partner of Mossiki Entertainment LLC, a music production and live events company. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, using a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework.

Jon Ernst is a financial advisor with Osaic Wealth, Inc. based in Emmaus, Pennsylvania, holding Series 65 and Series 66 credentials and bringing 23 years of industry experience. He has worked at Royal Alliance Associates, Inc. since 2018 and has been associated with David A. Stortz & Associates, CPAs since 1994. He serves as a committee member for the St. Ann Church Finance Committee. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of advisers and offers integrated brokerage, advisory, financial planning, and retirement consulting services. The firm employs a range of portfolio construction tools and supports multiple advisory platforms, including access to third-party money managers and wrap programs.

Brian Gallagher is a financial advisor at Morgan Stanley with 21 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and previously worked at Citigroup Global Markets starting in 2006. He holds the Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and outcome modeling techniques.

Joshua Koch is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 66 designations and four years of industry experience. Prior to joining Thrivent, he worked at Sentry Insurance for seven years. He serves as Secretary on the Board of Directors for Hardship Heroes, a local nonprofit organization that provides gifts and experiences to individuals and families facing medical hardships. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofits, delivering goal-based analyses and written recommendations across multiple planning areas without managing client assets directly.

Susan Lovejoy is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and bringing 20 years of industry experience. She has been with Thrivent Financial for Lutherans since 2006 and Thrivent Investment Management since 2005. Outside of her financial advisory role, she serves as President of both the Rotary Club of Lehighton and the Council of Trinity Evangelical Lutheran Church, leading community and congregational activities. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive written recommendations across various financial topics without implementing those recommendations. The firm combines goal-based analyses with optional managed-account services under a consolidated billing program called “WealthPlan,” while maintaining separation between planning and portfolio management.

Rose Galeano Phillips is a CFP® professional with 21 years of industry experience, currently with OSAIC since 2021. Her prior roles include positions at Wells Fargo Clearing, Chase Investment Services Corp., and PNC Wealth Management. She serves as president of the Kutztown Rotary Club and participates in youth exchange coordination and related community activities. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of affiliated advisers. The firm offers a range of brokerage and advisory services with access to multiple platforms, utilizing asset-allocation tools and third-party managers to construct portfolios across various asset classes.

Shelley Fraker is a financial advisor at Wells Fargo Clearing with nine years of industry experience. She holds the Series 66 designation and previously worked at Ameriprise Financial Services, Inc. from 2014 to 2023 before joining Wells Fargo Clearing. 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’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Adam Guenard is a financial advisor at Ameriprise with the Series 66 designation. He has been with Ameriprise since 2025 and has prior experience in political campaigns and community roles, including work with the Republican Party of Pennsylvania and the Brian Fitzpatrick Congressional Campaign. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendations and annual planning advice focused on retirement income strategies. The firm’s approach incorporates proprietary research and algorithmic tools, with distinctive enrollment criteria and an investment universe influenced by affiliated product relationships.

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 registrations and has worked at Merrill since 2018. Prior to that, she was with Wells Fargo Clearing and Wells Fargo Bank, N.A. from 2016 to 2018. 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 supported by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension 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.

Donna Leffler is a financial advisor at Stifel with 26 years of industry experience. She has been with Stifel since 2007 and holds Series 63 and Series 65 designations. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, offering asset allocation and planning analyses that support client decision-making.

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.