Ann Kavanaugh is a CFP® with 23 years of industry experience, currently serving as a financial advisor at OSAIC since 2024. She previously worked for nine years at American Portfolios Financial Services, Inc. Kavanaugh is a partner at IValue Financial Planning, LLC, where she prepares tax returns, and also serves as a sole proprietor in the sales and service of fixed insurance and annuities. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage, advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and risk-tolerance assessments to construct portfolios that may include a broad mix of investment products and supports both discretionary and non-discretionary account management.

Karen Bausch is a financial advisor at Wells Fargo Clearing with 29 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Wells Fargo Clearing since 2016. Her prior experience includes roles at Wells Fargo Advisors LLC and Wachovia Bank, N.A. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Chere High Robles is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She previously worked at Grove Point Investments, Grove Point Advisors, and H. Beck, Inc. since 1995, she has been involved with CHR Financial Advisory, Inc., which operates as a non-variable insurance business and serves as a DBA for her LPL practice. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, supported by in-house and third-party research, and employs both discretionary and non-discretionary management strategies.

Megan Devine is a financial advisor at Wells Fargo Clearing with eight years of industry experience. She holds a Series 63 designation and has worked at Wells Fargo Clearing since 2017, following two years at Tompkins VIST Bank. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Brett Wartluft is a financial advisor with Wells Fargo Clearing in Wyomissing, PA, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has worked with Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing, where he has been since 2016. Outside of his advisory role, he serves as a power of attorney for his father. 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 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.

Kyle Relken is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2024. He has been with Fidelity Investments since 2020, previously serving as a Financial Consultant. Prior to joining Fidelity, Kyle worked at Prudential from 2010 to 2020, where he held positions as a Financial Advisor and later as Manager of Training & Development. With over 16 years of experience in the financial services industry, Kyle focuses on partnering with clients to create personalized comprehensive financial plans and investment strategies. His approach emphasizes education and collaboration to support clients' financial goals for the present and future generations. Kyle holds a California Insurance License.

David Le Blanc is a Series 66-credentialed financial advisor with Morgan Stanley, based in Wyomissing, PA, and has seven years of industry experience. He has worked at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. since 2018. Prior to his financial services career, he spent fourteen years at Bob Jones University. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning that incorporates firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in assets and offers services through both direct client relationships and corporate financial planning agreements.

Katherine Wentling is a financial advisor with LPL Financial in Cleona, PA, holding a Series 63 designation and 25 years of industry experience. She has been with LPL Financial since 2002. Outside of her advisory role, she works as a guest teacher in Lebanon County, PA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios and third-party research across discretionary and non-discretionary management.

Everette Scrivner is a financial advisor with Mass Mutual Investors Services in Wyomissing, PA, holding Series 63 and Series 65 credentials and 26 years of industry experience. He has worked with Mass Mutual Investors Services and MassMutual Life Insurance Co since 2015. He also owns Widgeon Wealth Strategies LLC, which markets MassMutual and MML business products and services. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars with a focus on collaborative, annual planning relationships.

Woodrow Mc Gill III is a financial advisor with LPL Financial in Reading, PA, holding a Series 66 designation and having 10 years of industry experience. Prior to joining LPL Financial in 2018, he worked at Morgan Stanley and Morgan Stanley Private Bank from 2016 to 2018. LPL Financial serves a diverse client base including individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Sarah Popovich is a Series 66-registered financial advisor with Edward Jones in Lititz, PA, with six years of industry experience. She has worked at Edward Jones since 2019 and previously held positions at Bank of America, Merrill, Sunglass Hut, Citizens Bank, Harrisburg Area Community College, and Southern New Hampshire University. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard, and is notable for its extensive retail advisor and branch network along with affiliated capabilities including a trust company and proprietary mutual funds.

Christopher Blauser is a financial advisor with LPL Financial, holding a Series 66 designation and based in Reading, PA. He has been with LPL Financial since 2026 and also has a longstanding role with the City of Reading beginning in 2011. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement consulting, with access to model portfolios, research, and various investment strategies.

Gale Withers is a CFP® with 21 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. Prior to this, Gale worked at Ameriprise Financial Services, Inc. from 2012 to 2020. Outside of advisory work, Gale has real estate ownership activities unrelated to investing. Ameriprise offers retirement-income planning services aimed at individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendation reports, delivered through a centralized consulting team in partnership with financial advisors.

Timothy Sheehan is a financial advisor with LPL Financial in Lancaster, PA, holding Series 63 and Series 66 designations and 18 years of industry experience. He has worked at LPL Financial since 2018 and previously at INVEST Financial Corporation for one year. In addition to his advisory role, he serves as a financial advisor at Members 1st Federal Credit Union, where he has been involved for over 10 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management with access to model portfolios and research from LPL Research and third-party subadvisors.

Judith Frantz is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. She has worked with Waddell & Reed, Inc. and various insurance carriers prior to joining LPL Financial in 2021. Frantz was also involved with the American Business Women Association and the Women Excelling Chapter at The Berkshire Country Club. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Andrew Champagne is a financial advisor with Morgan Stanley in Wyomissing, Pennsylvania, holding a Series 66 designation and 11 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2013 and Morgan Stanley Private Bank, N.A. since 2020. Outside of his advisory role, he serves on the Finance Committee of Integrate For Good, a nonprofit focused on children, youth, and individual rights, and is a board member of the Pottstown Rotary. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools.

Jared Ruppert is a CFP®-certified financial advisor with 11 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with WELLS FARGO Advisors, LLC from 2014 to 2016. He holds Series 63 and Series 65 licenses and is based in Wyomissing, PA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven approach incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options, tailored to plan objectives and risk tolerances.

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.

Stephen Biers is a Certified Financial Planner (CFP®) and holds a Series 66 license with 11 years of experience in the financial industry. He has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm provides a range of advisory programs and investment options, managing approximately $1.01 trillion in assets through a nationwide network of more than 23,700 financial advisors.

Christina Gaston is a CFP® professional with seven years of industry experience, currently affiliated with LPL Financial. She has previously worked with firms including Spring Ridge Financial Group, Commonwealth Financial Network, and Cambridge Investment Research Advisors. Gaston also serves as an independent advisor for ASH Brokerage. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers diverse advisory programs and financial planning services, supported by research and model portfolios from various sources.