Christopher Owens is a financial advisor at Fidelity with a Series 66 designation and five years of industry experience. His prior roles include positions at Merrill and PNC Bank. Owens is based in Morrisville, PA. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including advisory work for registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios and manages oversight for affiliated and unaffiliated sub-advisers.

David Brown is a financial advisor with Primerica Advisors in Langhorne, PA, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. He has worked with multiple school districts and has experience in the food and beverage sector. Outside of advisory services, he is involved in sales and referrals related to home security, automation, and loan products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, focusing on model-delivery strategies and a limited number of separately managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure rather than fixed fees.

Christina Ciorciari is a financial advisor with Merrill in Yardley, PA, holding Series 63 and Series 66 designations and bringing 30 years of industry experience. She has been with 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jacqueline Caywood is a financial advisor at Stifel with 22 years of industry experience. She holds the Series 66 designation and has been with Stifel Nicolaus & Co Inc since 2010. Stifel serves a broad client base, including individual, institutional, and municipal clients, offering brokerage and investment advisory services. The firm utilizes a proprietary investment methodology developed by its Investment Strategy Group to support asset allocation and financial planning.

Deena Kobrin is a financial advisor at LPL Financial with 41 years of industry experience. She holds a Series 63 designation and has held positions at NEXT Financial Group, Citizens Securities, and Next Financial Group Inc. In addition to her advisory role, Kobrin is involved as a non-variable insurance agent and serves as a referral agent for mortgage and real estate services. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives, offering a range of financial planning, advisory programs, and retirement consulting services.

Bernard Hirsh is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been in the financial industry since 1981 and has served as a financial advisor since 2007. Prior to his current role, Bernard was an independent exchange member and an options floor trader at the Philadelphia Stock Exchange and the American Stock Exchange from 1981 to 2005. He also worked as a wealth advisor at UBS Financial Services from 2007 to 2010. Bernard's expertise involves helping families and businesses manage their financial affairs by understanding their full financial picture and clarifying their vision for the future. His approach includes creating personalized wealth management strategies tailored to clients' goals. He holds the professional designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned a bachelor's degree from Colby College and completed his high school education at George School. Bernard participates in community volunteering as part of the Merrill tradition of serving the communities where they operate.

David De Dufour is a financial advisor with Stifel, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2009 and previously spent seven years with Citigroup Global Markets. Outside of his advisory role, he serves on the Investment Policy Committee for the Lutheran Church Missouri Synod’s New Jersey District and is involved in buying and selling antiques. Stifel serves a diverse group of clients, including individuals across various wealth levels, institutional investors, and charitable organizations. The firm provides brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Elizabeth Garry is a financial advisor with Morgan Stanley in Lawrenceville, NJ, holding Series 63 and Series 66 credentials and bringing 22 years of industry experience. She has worked at Morgan Stanley since 2014 and 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 through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and scenario modeling.

Angela Sprenkle is a financial advisor with Morgan Stanley in Yardley, PA, holding a Series 66 designation and 19 years of industry experience. She has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets.

Michael Cirillo is a financial advisor at LPL Financial with 19 years of industry experience. He holds the Series 66 designation and previously worked at Bank of America and Merrill Lynch. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, advisory programs, and retirement consulting with both discretionary and non-discretionary management supported by research and model portfolios.

James Stapleton is a financial advisor with Merrill and holds a Series 66 designation. He has 17 years of industry experience, including 15 years at Bank of America, N.A. and Merrill. 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. The firm offers model-based and discretionary strategies developed by internal and third-party managers and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Sivakumar Veerapandy is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Bank of America and Merrill for a decade. Outside of his advisory role, he is an owner of several self-managed rental properties. 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 IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, such as insurance-related vehicles and bank deposit sweep programs.

Fred Sciascia is a Wealth Management Advisor at Merrill Lynch Wealth Management. Since beginning his career at Merrill in 1998, he has worked with a dedicated and growing group of client families, assisting many in achieving their retirement goals. Fred has also developed retirement plans for corporations and small businesses and is a founding member of Saurman Sciascia Maher & Associates, where he collaborates with a team of experienced advisors to deliver comprehensive client care. Fred holds the Chartered Retirement Planning Counselor™ (CRPC™) designation from the College for Financial Planning Institutes Corp. and additional professional credentials including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned his bachelor's degree from Villanova University School of Business. Fred’s areas of expertise include college education planning, divorce transition planning, employee benefits planning, family wealth management strategies, personal retirement planning, special needs planning strategies, and retirement income. In addition to his professional responsibilities, Fred is a board member of the Autism Cares Foundation, where he focuses on creating intergenerational financial strategies for special needs families. He resides in Newtown with his wife, Amber, and their two sons. Outside of work, Fred enjoys biking, football, ice hockey, running, skiing, spending time with family, and watching movies.

Abigail Danko is a Financial Advisor at Merrill Lynch Wealth Management. She specializes in education planning, family wealth management strategies, managing new wealth, personal retirement planning, and advising women on wealth matters. Abigail's approach centers on personalized and collaborative financial planning, focusing on what truly matters to each client. She emphasizes listening first, simplifying financial decisions, and building lasting relationships to help clients turn their goals into actionable plans. Abigail holds a Bachelor's Degree from Bates College and maintains professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She partners with clients across various financial timelines, providing guidance on near-term priorities, upcoming milestones, and long-term financial security. Outside of her professional role, Abigail enjoys spending time with her family and engaging in activities such as swimming, golfing, running, and yoga. She remains involved in community organizations, including Bates College, Every Child Valued, and the Presbyterian Church of Lawrenceville.

Jason Peters is a financial advisor with Wells Fargo Advisors based in Washington Crossing, PA, holding a Series 66 credential and 25 years of industry experience. He previously worked for Stifel Independent Advisors, LLC for 20 years before joining Wells Fargo Advisors in 2026. Outside of his advisory role, Peters serves as president of KGM Gaming, LLC, a manufacturing and distribution business for casino equipment. Wells Fargo Advisors is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory solutions with other financial products such as banking and lending.

Amran Ajmal is a financial advisor at Merrill with Series 63 and Series 66 designations and two years of industry experience. Prior to joining Merrill and Bank of America in 2025, he worked in various roles at firms including American Auto and JP Morgan Securities. Outside of advising, Ajmal operates a small retail business selling household items online and occasionally works as a part-time Uber driver. 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, offering both model-based and discretionary investment strategies tailored to individuals, institutions, and charitable organizations.

Michael Haderer is a CFP® with 20 years of industry experience, currently at LPL Enterprise since 2024. He previously worked at The Prudential Insurance Company of America and PRUCO Securities, LLC for a combined 22 years. Outside of his financial advisory work, he engages in voice-over work for radio, TV, and podcasts. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management programs through an integrated platform that combines adviser programs with brokerage and insurance products.

Andrea Stine is a financial advisor with Morgan Stanley, holding a Series 66 designation and 18 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including customized financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Lorne Keller is a financial advisor at Morgan Stanley with 29 years of industry experience. He has held roles at Morgan Stanley since 2013 and at Morgan Stanley Private Bank, National Association since 2015. Keller holds Series 63 and Series 66 designations and serves as a trustee involved in investment decisions and estate administration. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools, incorporating market simulations and investment estimates.

James Schultz is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors, LLC from 2012 to 2016. Outside of his advisory role, he serves as trustee and executor of his father's trust and estate. 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 solutions. The firm’s approach is driven by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.