Timothy Rudy is a financial advisor with Ameriprise in Birdsboro, PA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He previously worked at Next Financial Group Inc for 11 years before joining Ameriprise in 2020. Outside of Ameriprise, he manages an advisory business at Ashford Wealth Advisors, LLC. Ameriprise offers retirement-income planning services targeting individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations through a centralized consulting team.

Brandon Shaub is an advisor at LPL Enterprise with a Series 66 designation and less than one year of industry experience. His prior work includes roles at Aloha Financial LLC, Lowe's Home Improvement, and Pennsylvania State University. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage services. The firm offers financial planning, access to model portfolios, third-party asset management, and a range of brokerage and insurance products within an integrated platform.

Harry Herb is a financial advisor with Morgan Stanley in Wyomissing, Pennsylvania, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015, and he has prior experience with Citigroup Global Markets dating back to 1993. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and models to assist clients in developing and maintaining their financial plans.

Joseph Sanchez is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 11 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at WELLS FARGO Advisors, LLC from 2014 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and offering discretionary plan-level investment management options that include a broader range of financial products than typical large institutional advisers.

Gabriel Micca is a Series 66-licensed financial advisor with Mass Mutual Investors Services in Allentown, PA, where he has worked since 2017. He has nine years of industry experience, including prior work at MSI Financial Services Inc and Massachusetts Mutual Life Insurance Company. Before entering financial services, he was employed at Chrome Lounge and attended Penn State University. Mass Mutual Investors Services, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers collaborative, annual planning engagements using firm-approved software, with a focus on recommending investment categories and strategies rather than specific products.

Stanley Kiec III is a financial advisor at Wells Fargo Clearing with 38 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. He also serves as a power of attorney for his spouse. 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 investment approach is IPS-driven and grounded in modern portfolio theory, with a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

Willi Reif Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 24 years of industry experience. His prior roles include positions at Cetera, Voya Financial Advisors, and Kalejta Financial Management. Outside of his advisory work, he is involved with Reif Family Farm, a farming operation in Canisteo, NY. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs, financial planning services, and utilizes research from multiple sources to support diversified investment strategies.

Richard Gerhart Jr. is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 22 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for 14 years before joining Wells Fargo Clearing in 2022. 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 IPS-driven advisory process is grounded in modern portfolio theory and includes a broader set of financial product offerings, such as insurance-related vehicles and bank deposit sweep options.

Kristy Kurek is a financial advisor at Wells Fargo Clearing with one year of industry experience and holds a Series 66 designation. She has been with Wells Fargo since 2012. Outside of her advisory role, she serves as a board member for the Salvation Army children’s services, supporting local foster and adoption efforts. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering investment advisory services grounded in modern portfolio theory and tailored to plan objectives and risk tolerances. The firm acts as an ERISA fiduciary and offers both non-discretionary and discretionary services, including a Plan Level Investment Selection 3(38) discretionary option.

Solmaria Cruzado is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 registrations and bringing 11 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC and Wells Fargo Bank, N.A. Outside of her advisory role, she works as a delivery driver for DoorDash. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and offers a range of financial products supported by research and analytics.

Kristin Jones is a financial advisor at Equitable Advisors with 21 years of industry experience. She holds Series 65 and Series 66 licenses and has previously worked at firms including Morgan Stanley Private Bank and Thrivent Financial. Outside of her advisory work, she volunteers with Ruff Life Rescue, an animal rescue organization. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and various third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage channels to implement client recommendations.

Adrienne Dellinger is a financial advisor at Morgan Stanley in Wyomissing, PA, holding Series 63 and Series 66 licenses with 12 years of industry experience. Prior to joining Morgan Stanley in 2019, she worked at Merrill from 2016 to 2019. Outside of her advisory role, she is the founder of The Island of Misfit Dogs, an animal-related nonprofit based in Pennsylvania. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and resources.

Benjamin Sharpe is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Wells Fargo Clearing since 2016, following six years at Wells Fargo Advisors LLC and a total of 16 years with Wachovia Bank, N.A. Outside of his advisory role, he serves as treasurer for Boy Scout Troop 319 in Reading, PA. 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 investment 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.

Josue Edouard is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various Wells Fargo entities since 2014. 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 IPS-driven advisory process incorporates modern portfolio theory and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Mark Chaffe is a financial advisor with Morgan Stanley in Wyomissing, PA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Prior to that, he was with Citigroup Global Markets starting in 1996. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and advanced modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

John Denault is a financial advisor with Wells Fargo Clearing in Allentown, PA, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC. Denault has also served in the Connecticut Army National Guard since 1983. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA 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 range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Alexander Edwards is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and three years of industry experience. He has been with Wells Fargo-affiliated firms since 2016, including roles at Wells Fargo Bank and Wells Fargo Virtual Channels. 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 supported by research from the Wells Fargo Investment Institute.

James Miller is a financial advisor with LPL Financial in Wyomissing, PA, holding a Series 66 designation and 19 years of industry experience. He previously worked at Cetera and has been associated with Utilities Employees Credit Union since 2012. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Dylan Spadt is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 38 years of industry experience. He has worked at 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 for his mother's estate in Bethlehem, PA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach 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.

Gregory Bauer is a ChFC® credentialed financial advisor with 33 years of industry experience. He has been with LPL Enterprise since 2024, following a 31-year tenure at Pruco Securities, LLC. Bauer holds Series 63 and Series 65 licenses. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients. The firm offers financial planning, advisory and brokerage services, and access to various investment programs and insurance products through an integrated platform.