Christopher Yale is a financial advisor with Morgan Stanley in Allentown, PA, holding a Series 66 designation and 13 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and has been affiliated with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through Corporate Financial Planning agreements.

Charlotte Thall is a financial advisor with Merrill in Allentown, PA, holding a Series 66 designation and 12 years of industry experience. She has worked at Bank of America, N.A. and Merrill since 2014. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Joan Markus is a financial advisor at Stifel with 27 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Stifel since 2009, with prior experience at PaineWebber. Markus also serves as a notary. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Holly Holmes is a Series 66 licensed financial advisor with Merrill, based in Allentown, PA, and has 20 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2005. Holmes serves as a director of the Heather Baker Foundation, a charitable organization that raises funds for families affected by cancer. 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.

Nathan Kistler is a financial advisor with LPL Financial in Bethlehem, PA, holding Series 63 and Series 65 licenses and having 20 years of industry experience. His prior work includes roles at Santander Securities, Santander Bank, Cuso Financial Services, and Citizens Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services with access to model portfolios, third-party asset management, and institutional platforms, supported by extensive operational tools.

Paul Febbo is a financial professional with 11 years of industry experience, currently affiliated with Cetera. He holds a Series 66 designation and operates a separate financial services business, Febbo Wealth Management, LLC. Additionally, he owns a small video game project pursued as a hobby. Cetera Investment Advisers LLC serves a broad client base, including individual, corporate, and institutional clients, offering a range of portfolio management and financial planning services through a multi-manager platform.

Andrew Guman is a financial advisor at Morgan Stanley in Allentown, PA, with 19 years of industry experience. He holds a Series 63 designation and previously worked at UBS Securities for seven years before joining Morgan Stanley Private Bank, N.A. in 2021. Outside of his advisory role, he serves on the advisory board of St Thomas More Parish Council, a community organization in Allentown. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and specialized estate planning groups.

Jonathan Ruch is a financial advisor at Morgan Stanley with 16 years of industry experience. He has held roles at Morgan Stanley since 2018 and previously worked at Wells Fargo Clearing from 2016 to 2018. He holds the Series 63 and Series 65 credentials. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process that incorporates firm-approved tools and modeling techniques.

James Serratelli is a financial advisor with Ameriprise Financial Services LLC, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. His prior roles include positions at DFPG Investments, Inc., Questar Asset Management, Questar Capital Corporation, and Robertson Serratelli Financial Group. He is also a co-owner of JMH Ventures, LLC. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver annual written recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities typical of a large institutional firm.

Andrew Polony is a financial advisor with Equitable Advisors in Bethlehem, PA, holding Series 63 and Series 65 licenses and having 13 years of industry experience. He has worked at Equitable Advisors and its predecessor Axa Advisors LLC since 2013. Polony operates a wealth management business under the name The Rockland Group. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, plans, corporations, and institutions. The firm utilizes a network of Investment Adviser Representatives and offers access to a variety of advisory programs and third-party asset managers.

Anthony Sarko is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley Private Bank since 2015, as well as with Morgan Stanley Smith Barney and Citigroup Global Markets since 2009. Sarko is involved in managing rental property investments outside of his advisory role. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies.

Sondrine Gutierrez is a Series 66-licensed financial advisor at Morgan Stanley with 11 years of industry experience. She has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2015. Outside of her advisory role, she coaches the girls' basketball team at Wilson Area School District. Morgan Stanley Wealth Management is a large institution serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Forrest Obrien is a financial advisor with Cambridge Investment Research Advisors who holds a Series 63 designation and has 35 years of industry experience. He has worked at Cambridge Investment Research Advisors since 2026 and previously spent nine years at Commonwealth Financial Network. Additionally, he owns Financial Sources, Inc., a private entity involved in securities and insurance business. Cambridge Investment Research Advisors serves a diverse client base including individual and institutional investors such as pension and charitable organizations. The firm provides financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of Financial Professionals and offers a range of proprietary and third-party investment platforms.

Meghan Casey is a financial advisor at Edward Jones in Milford, NJ, holding Series 63 and Series 66 credentials with 11 years of industry experience. She has been with Edward Jones since 2016. Outside of her advisory role, she is involved in real estate management through River Rock Management LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices.

Joseph Hoffmeier Jr. is a financial advisor with Morgan Stanley in Allentown, PA, holding Series 63 and Series 65 licenses and possessing 32 years of industry experience. He has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2016. Outside of his advisory role, Hoffmeier is a sole proprietor involved in real estate through rental property ownership. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a broad range of advisory programs and financial planning services to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools such as Secular Return Estimates and Monte Carlo simulations as part of its financial planning process.

Kelly Allen is a financial advisor at Raymond James & Associates with 23 years of industry experience. Prior to joining Raymond James in 2025, Allen worked for Morgan Stanley Smith Barney LLC for 14 years. Allen holds Series 63 and Series 66 licenses. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, pension and profit-sharing plans, and charitable and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Michael Glovas is a financial advisor at Morgan Stanley with 40 years of industry experience. He has been with Morgan Stanley since 2009 and has worked at Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, he coaches basketball at Wilson High School and serves on the board of the Department of Intercollegiate Athletics in Bloomsburg, Pennsylvania. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Douglas Woolley is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds the Series 63 and Series 65 credentials and has been with Morgan Stanley and its related entities since 2009. He operates out of Allentown, Pennsylvania, where he also serves in a power of attorney capacity. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning and utilizes structured planning tools and market modeling techniques as part of its process.

Carole Sarson is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. Her prior roles include positions at Kestra Financial Services, Cetera Wealth Services, Nationwide Securities, and 1717 Capital Management Company. Sarson serves on the Windrush III Condo Association board, a nonprofit organization in Tarpon Springs, Florida. LPL Financial is a national broker‑dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning, asset management, and retirement advice solutions, supported by research-driven models and technological tools.

Kevin Jones Jr. is a financial advisor with Morgan Stanley in Allentown, PA, holding Series 65 and Series 63 licenses and bringing 11 years of industry experience. His prior roles include positions at Merrill, Cetera Investment Services, First National Bank of PA, and Wells Fargo. Morgan Stanley Wealth Management serves both individual and institutional clients with a broad range of advisory programs, emphasizing structured financial planning supported by firm-approved tools and overseen by the Global Investment Committee.