John Genova is a CFP® with 42 years of industry experience, currently serving at Raymond James Financial Services Advisors, Inc. He previously worked at FSC Securities Corp. for eight years and OSAIC for two years. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individuals, high-net-worth clients, corporations, pension plans, and institutional clients. The firm employs tailored, non-discretionary planning and analytical tools to support client goals and offers specialized advisory programs, including municipal and public-finance services.

Keith Gibson is a financial advisor at Merrill with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2006. Outside of his advisory role, Gibson serves as a minority inspector of elections in Lehigh County, Pennsylvania. 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. The firm offers model-based and discretionary investment strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Perna is a financial advisor with Merrill holding a Series 66 designation. He has been with Merrill and Bank of America since 2026 and has prior experience in education roles spanning from 2015 to 2026. 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. The firm offers model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Charles Shimer is a financial advisor at Stifel with 32 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2009 and holds Series 63 and Series 65 designations. Stifel serves a wide range of clients, including individuals, institutional investors, charitable organizations, and municipal entities, providing brokerage and investment advisory services. The firm's investment approach relies on proprietary forward-looking capital market assumptions and probabilistic modeling developed by its Investment Strategy Group to guide asset allocation and financial planning.

Ashley Siedt is a financial advisor with Equitable Advisors in Easton, PA, holding a Series 66 designation and bringing 11 years of industry experience. She has been with Equitable Advisors since 2015, including time when it operated as Axa Advisors, LLC. Equitable Advisors serves a broad client base ranging from individuals to institutional clients, offering financial planning, retirement plan consulting, and various asset management programs. The firm’s approach involves assessing client information and risk tolerance to match clients with investment models or discretionary managers, utilizing both proprietary and third-party solutions.

Dianne Denison is a financial advisor with Ameriprise in Allentown, PA, holding a Series 66 designation and 22 years of industry experience. Her prior work includes tenures at Bank of America and Merrill. She owns Camdia, LLC, a financial advisory business, and leads Denison Technologies, Inc., a Delaware-based corporation. Ameriprise offers a retirement-income planning service primarily for clients nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored recommendation reports delivered in partnership with its financial advisors.

Jesse Hayhurst is a financial advisor at Merrill with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 1993, including a concurrent role at Bank of America since 2011. 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, and various institutions.

Charan Kaur is a Senior Financial Advisor at Merrill Lynch Wealth Management. She brings over 30 years of experience in the financial services industry, combining a broad understanding of market cycles with firsthand knowledge of family business operations. This blend of expertise enables her to provide tailored financial guidance and strategic solutions that assist clients in navigating both opportunities and challenges with confidence. Before joining Merrill, Charan spent 15 years in institutional finance, holding director positions at multiple firms and gaining extensive experience in derivatives and global financial markets. Her background includes working with senior-level executives, business owners, physicians, attorneys, and other accomplished clients. Charan’s approach centers on personalized financial planning, addressing clients’ unique situations, including concentrated stock positions and executive compensation, while ensuring compliance with regulatory requirements. Charan holds a Bachelor’s degree with a specialization in International Business from Hofstra University and an MBA with a specialization in Finance from Baruch College. She is a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Charan is actively involved in her community, serving on the boards of TAARA, which supports survivors of sex trafficking, and Bonnie Brae, a New Jersey residential community for at-risk boys and families in crisis. Her personal interests include hiking, pickleball, reading, table tennis, tennis, and traveling.

John Pavlinsky is a financial advisor with Merrill based in Bethlehem, PA. He holds a Series 66 designation and has seven years of industry experience. He has worked at both Bank of America, N.A. and Merrill since 2015. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Arvind Mathur is a Series 66-credentialed financial advisor with Wells Fargo Clearing, based in Whitehall, PA, and has 26 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Daulton Miller is a financial advisor with Morgan Stanley in Allentown, PA, holding a Series 66 designation and seven years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Bank of America, Merrill Lynch, and earlier experience outside finance at Bayada Home Health Care and Vynecrest Winery. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process using firm-approved tools and provides a wide range of retail and institutional investment solutions.

John Clayton is a financial advisor with Ameriprise in Center Valley, PA, holding Series 65 and Series 63 licenses and bringing 25 years of industry experience. He previously worked at RiverSource Distributors Inc. for 13 years. Clayton is co-owner of Christopher D. Myers LLC, where he manages his Ameriprise practice. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized retirement income service focused on tax-aware withdrawal strategies and dependable income sources for clients approaching or in retirement.

Rebecca Wychock is a financial advisor at Morgan Stanley with eight years of industry experience. She holds the Series 66 designation and has been with Morgan Stanley since 2014. Outside of her advisory role, she works as a fitness instructor and wedding dance choreographer in Pennsylvania. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Samuel Radogna is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Outside of his financial advisory role, he is involved in music creation and plays in a band represented by Broadcast Music Inc. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies.

Denise Pautz is a financial advisor at Merrill with 24 years of industry experience. She holds the Series 63 and Series 65 designations and has been with Merrill Lynch since 2011. Prior to that, she worked at Prudential Equity Group, LLC from 2000 to 2002. 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, and institutional investors.

Donna Tretter is a Series 66-licensed financial advisor with Morgan Stanley in Allentown, PA, with 4 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm emphasizes structured financial planning and uses proprietary tools and modeling techniques, while clients are responsible for plan implementation and updates.

Steve Marciniak is a financial advisor with Ameriprise in Allentown, PA, holding Series 63 and Series 65 credentials and 25 years of industry experience. He has been with Ameriprise and its affiliated entities since 2013. He is also the owner of Marciniak LLC, through which he manages his advisory business. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to provide personalized, non-discretionary recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Maria Winters is a financial advisor at Cetera with 12 years of industry experience. She holds a Series 66 designation and has been affiliated with Cetera Advisors LLC since 2013. Winters also operates EM Winters Financial Services, a separate investment-related business, and is a licensed notary public. Cetera is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and provides access to multiple program structures and third-party managers.

Katherine Labuda is a CFP® professional with 18 years of industry experience, currently serving at Raymond James & Associates since 2007. She is involved in local nonprofit and community organizations, including founding the Allentown Rotary Club SMILE Newsletter and participating in the DeSales University Presidents Council and Southern Lehigh Chamber of Commerce. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves individuals, institutions, and charitable organizations, offering tailored financial planning and investment consulting through a variety of portfolio management styles and proprietary research.

Tracy Carmer is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and 15 years of industry experience. She has worked at Fulton Bank and Fulton Financial Corporation, among other firms. Carmer is also involved as an associate employee with Fulton Financial Advisors, focusing on sales and investment products. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm uses analytical tools and risk profiling to tailor non-discretionary planning and consulting to client goals and supports municipal and public-finance work through a unique affiliation with a municipal advisor.