Tara Czepiga is a financial advisor with Merrill, holding a Series 66 designation and five years of industry experience. Her prior roles include positions at Fidelity Investments and Bank of America, N.A. In addition to her advisory work, she operates an online business selling items on eBay. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Steven Smith is a financial advisor with Edward Jones, holding a Series 66 designation and nine years of industry experience. He has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and provides a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Maryanne Bohlinger is a CFP® with 30 years of industry experience, currently serving at Cetera. She has held positions at Avantax Advisory Services and 1st Global Advisors, among others, and maintains an active CPA firm providing tax services. Outside of financial advising, she is involved in business consulting and serves as CFO for an engineering consulting company. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that supports both discretionary and non-discretionary strategies.

Kenneth Hager II is a financial advisor at Ameriprise with 23 years of industry experience. He holds Series 66 and Series 63 credentials and has worked at Ameriprise since 2018, as well as previously at Financial Engines Advisors L.L.C. from 2016 to 2018. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides tailored recommendation reports and ongoing advice focused on income reliability and tax-aware withdrawal strategies.

Thomas Seiler is a financial advisor with Raymond James & Associates in Newtown, PA, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Raymond James & Associates since 2011. Outside of his advisory role, he is listed as the owner of an LLC established for the purchase of a trademark. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

William Corcoran Jr. is a financial advisor with Ameriprise, holding Series 63 and Series 65 designations and possessing 19 years of industry experience. His career includes roles at H.D. VEST Securities and Capital Planning Associates of the Greater Del Val before joining Ameriprise Financial Advisors Inc. and subsequently Ameriprise. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, delivering written Recommendation Reports that incorporate income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Karlie Lorenz is a Wealth Management Advisor at Merrill Lynch Wealth Management. She holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP) and CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and has earned a bachelor's degree from James Madison University. Karlie is also affiliated with the professional organization Alpha Phi Omega. Karlie specializes in comprehensive financial planning, encompassing areas such as college education planning, family wealth management strategies, LGBT wealth planning, personal retirement planning, portfolio management, socially responsible investing, tax minimization, and retirement income planning. She emphasizes building deep personal relationships with clients to understand their financial goals and values, providing strategies aligned with their needs. Her approach includes consideration of risk, cash flow, tax strategy, insurance, and estate planning to help clients make informed decisions. In addition to her professional work, Karlie is involved in community organizations including First Choice Home Health and Hospice, Make Your Mark on Madison, and UrbanPromise Trenton. Her personal interests include boating, camping, cooking, gardening, interior decorating, music, painting, reading, spending time with family, and traveling.

Mark Oberlander is a financial advisor with Cambridge Investment Research Advisors holding Series 66, Series 65, and Series 63 designations and has 18 years of industry experience. His prior affiliations include Madison Avenue Securities, Mass Mutual Investors Services, and Metropolitan Life Insurance. Outside his advisory work, he works as a bartender at Killamey’s Pub. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base with financial planning, investment management, retirement plan advisory, and financial wellness services. The firm offers multiple investment implementation strategies through a network of independent Financial Professionals and maintains proprietary models as well as access to third-party managers.

Neal Oberto is a CFP®-certified financial advisor with 11 years of industry experience, currently with OSAIC since 2023. He previously worked at FSC Securities Corp for eight years. Outside of his advisory role, he is also licensed as a life insurance agent and assists with financial planning activities under James R. Potoka. OSAIC serves a diverse client base including individual and institutional investors, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm employs a range of asset-allocation tools and supports both discretionary and non-discretionary portfolio management across multiple investment types.

Charles Hill is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career in 1992 and has been a part of The Hill Group since 2000, working alongside his brother Jeff. Charles emphasizes the integration of health and wealth in guiding clients toward long, rewarding lives and meaningful legacies. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Chartered Retirement Planning Counselor™ (CRPC™), Certified Plan Fiduciary Advisor® (CPFA®), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Charles earned a Bachelor of Science degree in Business Administration from the University of Rhode Island. His expertise spans legacy planning, managing new wealth, personal retirement planning, portfolio management services, socially responsible investing, tax minimization, and retirement income strategies. Charles is active in his community, residing in Yardley, Pennsylvania with his wife, Liza, and their four children. He volunteers with Habitat for Humanity, coaches local youth sports, and participates in the Kiwanis Club of Washington Crossing Yardley. His personal interests include fishing, gardening, skiing, and spending time with his family.

David Schimpf is a financial advisor with Primerica Advisors and holds Series 63 and Series 65 licenses. He has 20 years of industry experience and has been with Primerica since 2005. In addition to his advisory role, he is involved in sales of loan products and home security services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates with nearly 3,700 advisors and manages approximately $15.5 billion in assets, delivering advisory services through model-based strategies developed by unaffiliated asset managers.

Jeffrey Heinel is a financial advisor at LPL Financial with 40 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Ic Advisory Services, Inc. and The Investment Center, Inc. He is also involved with SOCIUS, LLC, a real estate rental business. LPL Financial is a registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a variety of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Jeffrey Martinides is a Wealth Management Advisor at Merrill Lynch Wealth Management and the lead advisor with The Martinides Group. He began his career in financial services with Merrill Lynch in 1987 and has developed his practice focusing on corporate executive services, executive compensation, family wealth management strategies, and services for endowments, foundations, and non-profits, among other areas. Jeff also advises on legacy planning, personal retirement planning, philanthropic planning, portfolio management, individual and corporate investment strategies, and tax minimization. Jeff holds a bachelor's degree from Temple University's Fox School of Business. He has earned several professional designations, including Certified Investment Management Analyst (CIMA), Certified 401(k) Professional (CKP), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Throughout his career, he has been recognized nationally by Barron's and Forbes for his advisory work. Outside of his professional responsibilities, Jeff is involved in community organizations including the Bucks County Opportunity Council, McKeown Foundation, and Trenton Soup Kitchen. He enjoys outdoor activities such as fishing, golfing, clay target sports, and painting, and spends time with his family.

Jesse Alijewicz is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and 16 years of industry experience. He has worked at Cetera since 2019 and previously held roles at J.P. Morgan Securities and JPMorgan Chase Bank NA. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio management options and reports over $256 billion in assets under management across more than 10,000 advisors.

Frances Stanton Martinez is the Resident Director and Wealth Management Advisor at Merrill, where she has been serving clients since 2014. She focuses on building new client relationships and delivering wealth management services tailored to the needs of individuals, families, and businesses. Frances is a partner in The Callahan Pascua Group, applying her expertise in areas such as family wealth management strategies, retirement income planning, tax minimization, and college education planning. Frances holds multiple professional designations, including the Certified Investment Management Analyst® (CIMA®), which is awarded by the Investments & Wealth Institute™ in conjunction with The Wharton School, University of Pennsylvania. She also holds the Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) credentials. Frances earned her Bachelor of Arts degree in Interdisciplinary Studies with a focus on Political Science, Communication, and Psychology from San Diego State University and a Master of Business Administration from Alliant International University. In addition to her professional qualifications, Frances is fluent in Filipino and English. She is actively involved in professional and community organizations, serving as National Chair for the Investments & Wealth Institute™ Conference Committee beginning in 2024, and as President of the Merrill Women's Exchange San Diego Chapter for 2024–2025. Frances has also held leadership roles within the Merrill Women's Exchange and is a member of the La Jolla Woman's Club. Her personal interests include travel, music, tennis, yoga, scrapbooking, writing, and spending time with her family.

Matthew Loftus is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 credentials and has 17 years of industry experience. His prior firms include Merrill and M.S. Howells & Co. Outside of his financial advisory work, he coaches a hockey team through Upper Moreland Parks and Recreation. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm emphasizes tailored planning and investment consulting using analytical tools and supports its clients through a broad network of advisors and specialized programs.

Kimberly Stasen is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. She has worked within various Wells Fargo entities since 2009, including Wells Fargo Clearing and Wells Fargo Advisors Financial Network. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, employing proprietary research and tools, and integrates advisory services with other financial products and referral channels.

Michael Johnson is a financial advisor at Morgan Stanley with seven years of industry experience. He holds Series 63 and Series 66 designations and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2018. Outside of his advisory role, he has been involved with MRJ Sports, operating the basketball-related business Hoopaholics since 2004. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning that utilizes firm-approved planning tools and models, managing approximately $2.74 trillion in client assets.

William Palisca is a financial advisor at OSAIC with 25 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at OSAIC since 2023, following a long tenure at James Startzell. He also operates Legacy Financial Services Group as an associate planner, providing sales and service support to clients. OSAIC serves a diverse range of retail and institutional clients, offering integrated brokerage and investment advisory services through a large network of financial advisers and multiple platforms. The firm employs firm-provided asset-allocation tools and third-party managed-account solutions to construct portfolios that include a variety of investment products and can be managed on discretionary or non-discretionary bases.

Scott Bernstiel is a financial advisor with Raymond James Financial Services Advisors, Inc. in Windsor, NJ, holding Series 63 and Series 66 licenses with 31 years of industry experience. His prior roles include positions at Capital Analysts, Lincoln Investment, Kennedy Investment Group, and DWS Distributors. Outside of advisory work, he serves as Treasurer and Bookkeeper for Notre Dame High School Lacrosse, overseeing financial supervision. Raymond James Financial Services Advisors, Inc. provides comprehensive financial planning, investment consulting, and advisory services to a wide range of clients including individuals, institutions, and charitable organizations. The firm emphasizes tailored, non-discretionary planning supported by analytical tools and maintains specialized programs in municipal advisory and employer SIMPLE IRA consulting.