Danielle Kulp is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and five years of industry experience. She has worked at Primerica Financial Services since 2009 and has been with Primerica Advisors since 2020. Outside of financial services, she is involved with Wingmom Bucks County, providing support services such as babysitting, transportation, and home organizing. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited number of separately managed account options. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Robert Engleman Jr. is a financial advisor with Ameriprise Financial Services LLC, holding a Series 66 designation and four years of industry experience. Prior to joining Ameriprise in 2026, he worked for Edward Jones for five years and was associated with Robert Engleman MD for fourteen years. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing annual planning centered on income sources and tax-aware withdrawal strategies. The firm’s advisory approach combines investment research, third-party data, and algorithmic tools to support client recommendations.

George Yasso is a financial advisor with Ameriprise, holding a Series 66 designation and three years of industry experience. Prior to joining Ameriprise, he spent 16 years with Serratelli Financial Group. Outside of his advisory role, Yasso serves as the elected City Controller for Bethlehem, Pennsylvania, where he reviews city purchases and contracts. Ameriprise provides retirement-income planning services primarily for clients nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary, algorithm-supported recommendations tailored to clients' needs.

Amy Nichols is a financial advisor with Thrivent Investment Management in Easton, PA, holding Series 65 and Series 63 licenses and eight years of industry experience. She has worked at Thrivent Financial since 2018 and previously spent seven years with Larry Lancaster State Farm. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive planning on topics such as retirement, estate, and tax strategies. The firm combines goal-based analyses with managed-account options while keeping planning and portfolio management services distinct.

Kristi Acree is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. Her professional background includes roles at Mass Mutual, Northwestern Mutual, and Mutual of Omaha. She serves as a board member for Finseca, a trade organization focused on the financial services industry. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers.

Michele Maddaloni is a financial advisor with Ameriprise in Allentown, PA, holding Series 63 and Series 66 licenses and 11 years of industry experience. Prior to joining Ameriprise, Michele worked at JP Morgan Securities LLC and JPMorgan Chase Bank, N.A. for six years and at TD Ameritrade for four years. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning services that emphasize dependable income sources and tax-aware withdrawal strategies through a centralized service team and a research-driven recommendation process.

Louis Mammana is a CFP® certified financial advisor with 14 years of industry experience, currently affiliated with LPL Financial. His prior roles include positions at Next Financial Group, Inc. and Private Advisor Group, LLC. Outside of his advisory work, he is involved with Corinne Mammana Music, LLC, a music-related business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, and institutions. The firm offers a range of financial planning and advisory programs supported by research, model portfolios, and various management strategies.

Brian Rogers is a financial advisor with Ameriprise in Springfield, PA, holding Series 63 and Series 66 licenses and two years of industry experience. Prior to joining Ameriprise, he worked at Wells Fargo Clearing and Global Atlantic Financial Group. His background also includes roles in education and sports analytics. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, offering tailored recommendations that incorporate research, modeling, and tax-efficient strategies. The firm combines advisory, brokerage, and insurance solutions through affiliated entities and employs algorithmic tools alongside professional oversight in its retirement planning approach.

Joseph Saccon is a CFP® professional with over 31 years of industry experience, currently serving at Morgan Stanley since 2016. Prior to joining Morgan Stanley, he worked at Merrill for 22 years. Outside of his advisory work, he serves as president of a small beach condominium association in Cape May, New Jersey, where he organizes meetings and oversees administrative tasks. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved methodologies and tools.

Amber Carrick is a financial advisor with Osaic Wealth, Inc. based in Nazareth, PA, holding Series 63 and Series 65 licenses with 15 years of industry experience. She previously worked at Signator Investors Inc for 10 years before joining Royal Alliance Associates, INC., where she has been since 2018. Outside of her advisory role, she is president and owner of Keystone Financial Management LLC, an investment-related business. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisors and advisory platforms. The firm provides integrated brokerage and investment advisory services with a focus on asset allocation, risk tolerance, and portfolio construction using both discretionary and non-discretionary management approaches.

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 at J.P. Morgan Securities with two years of industry experience. Prior to joining J.P. Morgan Securities, Aloyeious worked at Morgan Stanley and Citizens Bank. Outside of financial services, Aloyeious is the founder and sole partner of Mossiki Entertainment LLC, a company involved in music and live event production. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a combination of quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework and offers a range of investment strategies through its Institutional Consulting Services program.

Jon Ernst is a financial advisor with OSAIC who holds Series 65 and Series 66 credentials and has 23 years of industry experience. He has worked at Royal Alliance Associates, Inc. since 2018 and at David A. Stortz & Associates, CPAs since 1994. Outside of his advisory roles, he serves as a committee member for St. Ann Church Finance Committee. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services with various investment tools and platforms, offering portfolios managed on discretionary or non-discretionary bases.

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.

David Morton is a financial advisor with Ameriprise in Center Valley, PA, holding Series 63 and Series 65 licenses and 35 years of industry experience. He has been with Ameriprise and its related entities since 2009. Outside of his advisory role, he is involved in real estate ownership unrelated to investment activities. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning through written recommendations and ongoing advice.

Seth Paluck is a financial advisor with Raymond James & Associates, holding a Series 66 designation and two years of industry experience. His background includes work in landscaping and infrastructure prior to entering the financial services field. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, and offers a range of financial planning and consulting services with a variety of portfolio management options.

Taj Piontkowski is a financial advisor at Morgan Stanley with two years of industry experience. He holds Series 66 and Series 63 licenses. His prior work experience includes roles at Equitable Advisors LLC, The Cheesecake Factory, and Gilbane Building Company. Morgan Stanley Wealth Management serves both 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 structured planning tools and modeling techniques as part of its financial planning process.

Rose Galeano Phillips is a Certified Financial Planner® with 21 years of industry experience, currently serving as a financial advisor at OSAIC since 2021. She previously worked with Wells Fargo Advisors and Wells Fargo Clearing over an eight-year period. Phillips holds leadership roles in community organizations, including President of the Kutztown Rotary Club and board member of the Emmaus Rotary Club. OSAIC serves a diverse client base ranging from individuals and high-net-worth investors to institutional entities, offering integrated brokerage and investment advisory services through an extensive network of affiliated financial advisors and multiple advisory platforms. The firm employs asset-allocation tools and risk assessments to construct diversified portfolios that can include various investment products, managed on discretionary or non-discretionary bases.

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.