David Wilgus is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds Series 63 and Series 66 designations. His prior experience includes roles at J.P. Morgan Securities and J.P. Morgan Chase NA, where he worked for over a decade. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Barbara Koppelkiernan is a financial advisor at Mass Mutual Investors Services with 41 years of industry experience. She has worked at Mass Mutual Investors Services since 2017 and at MassMutual Life Insurance Company since 2016, following a 33-year tenure at Metlife Securities Inc. She holds a Series 63 designation. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, using a structured and collaborative approach to client engagements.

John Stephens Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC over a combined 10-year period. LPL Financial serves individual and institutional clients through a nationwide network of investment adviser representatives, offering a range of advisory programs, retirement plan consulting, and brokerage services. The firm supports discretionary and non-discretionary management with model portfolios and research, and provides diverse strategies including overlay portfolio management and direct indexing.

Norman Chevlin is a financial advisor with Mass Mutual Investors Services, holding the Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and with Massachusetts Mutual Life Insurance Company since 2016. Outside of his advisory role, he is involved in fee-based insurance planning targeting small-company entrepreneurs and owns Plant Your Financial Seed, LLC, which offers property and casualty insurance. He also serves as an insurance broker with Broker's Choice America, focusing on life, long-term care, and fixed annuities. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational programs, emphasizing collaborative, goal-based planning with a variety of investment and insurance implementation options.

Lori Seyler is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 18 years of industry experience. She has worked with Cetera since 2011 and has been an accountant and tax professional since 1990. Seyler also owns Lori A. Seyler, EA, LLC, an accounting, tax, and financial advising business. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a large nationwide network of independent advisors.

Tyler Hobbs is a financial advisor with Ameriprise in Manahawkin, NJ, holding a Series 66 designation and five years of industry experience. His prior roles include positions at LPL Financial, Park Avenue Securities, Guardian Life Insurance Company, and C & A Financial. In addition to his advisory work, he is involved in independent insurance brokering with MassMutual, focusing on whole life insurance. Ameriprise provides a retirement-income planning service tailored for individuals nearing or in retirement who meet certain asset thresholds, combining research-driven, tax-aware strategies with algorithmic support to deliver personalized recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Brian Zorda is a Senior Vice President and Wealth Management Advisor with Merrill Lynch Wealth Management and the co-founder and senior partner of Branch-Zorda Wealth Management. He began his career in 2001 with the banking arm of a large European financial firm and shifted his focus to wealth management in 2003. He joined Merrill Lynch Wealth Management in 2008. Brian holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Accredited Domestic Partnership Advisor (ADPA®) designation. He also carries the Personal Investment Advisor (PIA) and Sports & Entertainment (SE) professional designations. He graduated with honors from Siena College. Brian's expertise includes investment manager analysis, investment selection, creating customized asset allocation strategies, and helping business owners navigate employer retirement plan options for self-employed individuals and small businesses. He also assists clients with estate planning issues and wealth transfer questions. His client focus areas include executive compensation, endowments, foundations, non-profits, defined benefit plans, legacy planning, LGBT wealth planning, liquidity management, managing new wealth, personal retirement planning, small business strategies, and socially responsible, values-based, and ESG investing. He lives in New York City with his wife and their two children. They enjoy traveling, spending time at the beach, and creating new memories and experiences. Brian has been named to the Forbes "Best-in-State Wealth Advisors" list for 2022 through 2025 and, as a member of the Branch-Zorda Wealth Management Group, has been named to the Forbes "Best-in-State Wealth Management Teams" list for 2023 through 2025.

Caren Miller is a financial advisor at Merrill with 25 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. since 2001. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Skye Gibson is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined Merrill in 2010 and works closely with clients to develop financial strategies tailored to their diverse goals and priorities. Skye's approach involves listening to clients' aspirations and breaking down complex tasks into actionable steps, helping them navigate both short- and long-term financial objectives. Skye holds a Bachelor's degree in accounting from the University of Delaware and a Master's degree in business administration from Syracuse University. He possesses multiple professional designations, including Certified Financial Planner (CFP), Certified Private Wealth Advisor (CPWA), and Certified Exit Planning Advisor (CEPA). While he does not provide legal or tax advice in his current role, he offers expertise in areas such as retirement income, portfolio management, and wealth planning. Beyond his professional duties, Skye has been involved in community initiatives, serving as a board member for the Hunger Foundation of Southern Ocean County and the Southern Ocean Medical Center Foundation. He also coaches youth flag football and travel basketball. Skye resides in Stafford Township with his wife, their four children, and three dogs. His personal interests include reading, golf, basketball, and casual fishing with his father.

Joseph Burkhard is a CFP® professional with 33 years of experience in the financial services industry. He has been with Mass Mutual Investors Services since 2017 and also works with Massachusetts Mutual Life Insurance Company. His prior experience includes 16 years with Metropolitan Life Insurance and Metlife Securities. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software and collaborative planning processes.

Charles Milstein Sr. is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor AXA Advisors, LLC, where he worked for over two decades. He also operates a business under the name KARR BARTH ASSOCIATES. Equitable Advisors serves a broad client base including individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm offers financial planning, retirement-plan support, and access to asset management through third-party programs, utilizing a hybrid referral and implementation model that combines advisory and brokerage services.

Joshua Hillman is a financial advisor at RBC Capital Markets with 27 years of industry experience. He holds a Series 63 designation and has previously worked at Wells Fargo Advisors LLC, Wells Fargo Clearing, and City National Bank. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a broad client base including individual investors, institutional clients, corporations, and charitable organizations. The firm offers multiple advisory programs that provide portfolio management, financial planning, custody, and brokerage services, tailoring strategies to clients’ risk profiles and utilizing both in-house and third-party investment managers.