Stephen Musser is a financial advisor at Cetera with 15 years of industry experience and a Series 66 credential. He has worked at Cetera and its affiliates since 2025 and previously spent 14 years at Concourse Financial Group Securities Inc. Outside of his advisory role, Musser is the owner and CPA of Covenant CPA LLC, serves on the boards of a nonprofit preschool and a local police support group, and is involved in a food business. Cetera Investment Advisers LLC is an SEC-registered firm that provides a range of investment advisory services through a large network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers diverse portfolio management options, including model portfolios, third-party managers, and customized strategies across various program structures and custodians.

Frederick Waller is a CFP®-credentialed financial advisor with 24 years of industry experience, currently affiliated with Cetera. He has worked at Cetera Wealth Services, LLC since 2025. Outside of his advisory role, he serves as treasurer on the board of Bright Side Opportunities Center, a nonprofit focused on youth and health wellness. Cetera Investment Advisers LLC is an SEC-registered advisor serving a broad client base including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a multi-manager platform with a variety of investment programs, discretionary and non-discretionary management, and access to third-party money managers.

Amy Martin is a financial advisor at Raymond James Financial with 15 years of industry experience. She holds Series 66 and Series 63 designations. Prior to joining Raymond James Financial in 2023, she worked at Fulton Bank and Raymond James Financial Services, Inc. since 2014. In addition to her advisory role, she serves as a Registered Client Services Associate at Fulton Financial Advisors. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individual and high-net-worth investors, pension plans, charitable organizations, and government entities. The firm offers customized advisory programs including a SIMPLE IRA Employer Advisory & Consulting Services program for small businesses and maintains affiliations supporting municipal and public finance activities.

Alicia O’Donel is a CFP® professional with seven years of industry experience, currently serving as a financial advisor at Edward Jones since 2019. Prior to joining Edward Jones, she worked at Clark Associates, Inc. from 2017 to 2019 and has been involved with the YMCA as a personal trainer since 2015. Edward Jones is a full-service wealth management firm that serves more than four million individual and institutional clients, offering a range of advisory programs and maintaining a large network of financial advisors and branch offices nationwide.

Alison Bower is a financial advisor with Morgan Stanley in Wyomissing, PA, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. She has been with Morgan Stanley since 2009. Outside of her advisory role, she is a partner in Bee Silky Soap LLC, a retail and online soap business. Morgan Stanley Wealth Management is an SEC-registered 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 offers services that incorporate structured planning tools and scenario modeling.

Lucas Hameloth is a financial advisor at Edward Jones in Manheim, PA, holding the Series 66 designation. He has one year of experience in the financial industry. Prior to joining Edward Jones, he worked at UPS and Giant Eagle, Inc. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, pension plans, and charitable organizations. The firm manages approximately $1.01 trillion in assets and operates through a large network of financial advisors and branch offices nationwide.

Ryan Egan is a financial advisor with Cetera, holding a Series 66 designation and nine years of industry experience. He has worked at Cetera and its affiliates since 2021 and is also the owner of Egan Financial Advisors, LLC. Additionally, he serves as a trustee for a private trust and operates Kylen Financials, Inc., an independent insurance agency focused on fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual clients, retirement plans, corporate and charitable entities, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with access to affiliated and third-party managers across various program structures.

Rebekah Minnich is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she has been serving clients since 2014. With a career in the financial services industry that began in 2004, Rebekah focuses on delivering personalized financial strategies tailored to each client's unique needs and objectives. Her expertise includes family wealth management strategies, personal retirement planning, portfolio management services, and addressing the financial needs of women. Rebekah holds a Bachelor's Degree from Kutztown University and the Professional Investment Advisor (PIA) designation. She is dedicated to providing a complete client experience that supports individuals in achieving their financial goals. Outside of her professional work, Rebekah enjoys music, reading, traveling, spending time with her family, and watching movies.

Linda Capellupo is a financial advisor with Wells Fargo Clearing, holding a Series 63 license and 20 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. 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 advisory approach is IPS-driven and grounded in modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

John Muscalus III is a financial advisor with Ameriprise in Hummelstown, PA, holding a Series 66 designation and 20 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is involved in managing an LLC and holds ownership in a business property within a condominium association. Ameriprise offers retirement-income planning services focused on clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. As a large institutional firm, Ameriprise also delivers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Glen Diehm is a Certified Financial Planner (CFP®) with 22 years of industry experience. He has been with LPL Financial since 2011. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm provides a range of advisory programs, financial planning services, and utilizes model portfolios and third-party research to support diversified and tactical investment strategies.

James Ritchey is a financial advisor with LPL Financial in Lancaster, PA, holding Series 63 and Series 66 credentials and bringing 28 years of industry experience. Prior to joining LPL Financial in 2018, he worked at Cambridge Investment Research Advisors Inc. and Cambridge Investment Research Inc. from 2012 to 2018. He is also involved with LTC Planning Plus, a long-term care planning business. LPL Financial is a 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 financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

William Byrne is a financial advisor with Morgan Stanley in Wyomissing, PA, holding a Series 66 designation and 12 years of industry experience. He has been with Morgan Stanley since 2013 and has worked at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides comprehensive wealth management solutions through its broad retail and institutional platform.

David Wiener is a financial advisor with Cetera, holding a Series 66 designation and three years of industry experience. He is also involved in Smoker Wealth Management LLC and Smoker & Company LLC, the latter providing tax preparation and tax services. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with extensive assets under management and a network of over 10,000 advisors.

Robert Metzger is a financial advisor with OSAIC, holding a Series 66 designation and offering 20 years of industry experience. He has a background that includes 14 years at Sagepoint Financial, Inc., and operating an independent consulting business since 1998. Metzger also owned and operated a tax consulting practice for over two decades, providing income tax preparation, payroll, and bookkeeping services. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and advisory services, financial planning, and access to multiple investment platforms and third-party managers. The firm employs asset-allocation tools and risk assessments to construct diversified portfolios and supports various legacy and third-party managed-account solutions.

Jared Sadowski is a financial advisor at LPL Financial in Wyomissing, PA, holding a Series 66 designation with two years of industry experience. His prior work includes roles at Herbein & Company, Inc., Northeast Financial Group, and a four-year tenure at Saint Francis University. He is also involved with Treeview Partners, an LLC unrelated to investment activities. 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 financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and utilizes research from multiple sources to support diversified and alternative investment strategies.

Ronald Sultzbach is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has worked with Cambridge Investment Research Advisors since 2018 and previously spent six years with SSN Advisory, Inc. and Securities Service Network. Outside of his advisory work, he organizes and coaches a free youth football camp. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm provides financial planning, investment management, and retirement advisory services through a network of independent professionals, offering a range of discretionary and non-discretionary investment solutions across multiple platforms.

Christopher Eccles is a financial advisor at Thrivent Investment Management in Lancaster, PA, with three years of industry experience. He holds the Series 66 designation and has worked previously at Bank of America, Merrill, The Vanguard Group, and operated his own business prior to joining Thrivent. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, providing holistic, goal-based analyses and written recommendations on a variety of financial planning topics without discretionary trading authority. The firm allows clients to combine planning with managed-account programs through a consolidated billing option while keeping the services separate.

Cali Keller is a financial advisor at Merrill with a Series 66 designation and seven years of industry experience. She has worked at Merrill since 2013 and has been with Bank of America, N.A. since 2024. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm operates as part of Bank of America’s broader platform, providing access to a diverse set of financial products and services.

Evan King is a financial advisor with Morgan Stanley in Lancaster, PA, holding a Series 66 designation and eight years of industry experience. His career includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2022, as well as previous experience with Bank of America, Merrill, CJD Group, and Millersville University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.