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.

Blaine Fritsch is a financial advisor at Stifel with 30 years of industry experience. He has been with Stifel since 2007 and holds Series 63 and Series 65 licenses. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm utilizes a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and financial planning.

Jeffrey Haas is a financial advisor at Cetera with 27 years of industry experience. He holds a Series 63 designation and has worked at Cetera and its affiliate firms since 2021. Haas is also the owner of Haas Financial Services and operates as an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

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.

Patrick Mullaney is a financial advisor with Primerica Advisors in Macungie, PA, holding Series 63 and Series 65 licenses and having 24 years of industry experience. He has worked with Blue Mountain Financial Group since 2020 and has been affiliated with PFS Investments, Inc. and Primerica Financial Services since 2001. In addition to his advisory role, he engages in the sale of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-driven strategies and a limited selection of separately managed accounts primarily for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure, focusing on retail rather than institutional portfolio management.

Ann Foreman is a Wealth Management Senior Relationship Manager at Fidelity Investments, a position she has held since 2023. She has been with Fidelity Investments since 2010, progressing through various roles including Planning Consultant, Relationship Manager, Financial Representative, and Investment Representative. Her extensive experience at Fidelity Investments covers a range of responsibilities in wealth management and client relationship management. Ann is committed to providing excellent service to clients and their families for all their financial planning needs. Outside of her professional role, Ann enjoys family activities and traveling.

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.

Jonathan Mull is a financial advisor with MassMutual Investors Services, holding a Series 66 designation and having 10 years of industry experience. He has been with MassMutual Investors Services since 2016 and has also served as an insurance agent with MassMutual Life Insurance Co since 2015. Mull is the owner of Mull Wealth Management, Inc., an LLC created to support his practice operations and marketing. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved tools and educational seminars.

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.

David Antonchak is a CFP® with 30 years of industry experience, currently affiliated with Cetera. He has worked with Cetera and its affiliates since 2016 and has also operated his own financial services firms. Outside of his advisory role, he is an insurance agent selling life, health, disability, annuities, and long-term care products. Cetera Investment Advisers LLC serves a broad range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform that allows advisors to use affiliated and third-party model portfolios, discretionary and non-discretionary management, and a variety of program structures supported by ongoing supervision and client reviews.

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.

Edward Tierney is a financial advisor at Stifel with 36 years of industry experience. He holds Series 63 and Series 65 designations and has been with Stifel Nicolaus & Co Inc since 2014. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group that uses forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and planning analyses.

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.

Richard Silberg is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and possessing 44 years of industry experience. He has been with Wells Fargo firms since 2009. Outside of his advisory work, he serves as a power of attorney for family members in investment-related matters. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting. The firm offers both brokerage and advisory solutions and manages approximately $671 billion in assets through a large network of financial advisors.

Brian Laird is a Financial Consultant currently working at Fidelity Investments. In this role, he collaborates with clients to develop comprehensive financial plans aimed at achieving their life goals. Brian has held various positions in the financial services industry, including Investment Consultant at Fidelity Investments (2023-2024), Financial Advisor at Citizens Securities, Inc. (2022-2023), Premier Advisor (Wealth Client Consultant) at Citizens Bank (2021-2022), and Senior Licensed Relationship Banker at Citizens Bank (2018-2021). This experience has contributed to his expertise in financial planning and client relationship management.

Beata Kulesza is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Wells Fargo Clearing since 2016, following prior roles with Wells Fargo Advisors, LLC, and Wells Fargo Bank NA. 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 grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Joseph Flannery is a financial advisor with Raymond James & Associates in Allentown, PA, holding Series 65 and Series 63 credentials and having nine years of industry experience. Prior to joining Raymond James in 2024, he worked at Quadrant Private Wealth Management, LLC for four years and Iron Mountain for four years. He serves as a board member of the Sancon Valley Country Club, assisting with the club’s governance. Raymond James & Associates is a large dually registered broker-dealer and investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning and consulting services through various advisory programs and leveraging firm research and affiliated portfolio management strategies.

Scott Smith is a financial advisor with Primerica Advisors in Allentown, PA, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. He has been with Primerica Advisors since 2016 and maintains ongoing involvement in family sanitation businesses, including a long-term role as Vice President at Gene & George Smith Sanitation. Smith also receives compensation related to loan product sales and home service referrals through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, offering model-driven investment strategies primarily managed by third-party asset managers. The firm operates at scale with nearly 3,700 advisors and approximately $15.5 billion in assets under management.