John Carpani IV is a financial advisor at LPL Enterprise with 18 years of industry experience. He holds Series 63 and Series 66 credentials and has worked previously with Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers a range of advisory and brokerage services, utilizing research, model portfolios, and third-party strategists to support investment advice and financial planning.

Eric Callahan is a financial advisor with Raymond James Financial Services Advisors Inc. He holds Series 63 and Series 65 designations and has 30 years of industry experience, including 21 years at Equitable Advisors. He also owns Lederach Financial, LLC, an investment management and retirement planning business. 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 delivers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through its affiliation with a municipal advisor.

Stephen Garnick is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He worked at Morgan Stanley for 21 years before joining Raymond James in 2019. Outside of his advisory role, he manages a residential real estate property and owns a support company related to his business operations. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and supports advisory programs with specialized services such as municipal advisory and SIMPLE IRA Employer Advisory & Consulting Services.

Robert Gaines is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has been with Equitable Advisors since 2016 and previously worked at AXA Advisors LLC. Outside of his advisory role, he serves as an umpire for the Suburban Travel Baseball League in Bensalem, PA. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charities, and institutions, offering financial planning, broker-dealer services, insurance distribution, and third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, utilizing LPL-sponsored programs and endorsed third-party managers to deliver advisory and brokerage solutions.

Christopher Kelly is a CFP® professional with eight years of industry experience currently advising at Ameriprise Financial Services. He previously worked at LPL Financial and Cardiome Pharma Corp. Outside of his advisory role, he serves on the Board of Directors for the Delaware Valley Food Pantry and is involved in tax preparation through his ownership of Penn Wealth Accounting Group. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides tailored retirement planning recommendations and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Kia Coleman is a financial advisor at Edward Jones with eight years of industry experience. She holds a Series 66 designation and has worked at Edward Jones since 2018. Prior to this, she spent over two decades at Merck & Co Inc and was an independent consultant for Rodan + Fields, a skincare direct sales business. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of investment advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Vincent Giarrocco Jr. is a financial advisor with Cetera, holding CPA credentials and three years of industry experience. He has worked at Avantax Advisory Services and operates his own tax preparation and business planning practice. Prior to his advisory career, he spent over three decades at Great Atlantic Graphics Inc. Cetera Investment Advisers LLC is a nationwide, SEC-registered firm serving individual, institutional, and retirement plan clients. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with access to affiliated and third-party managers.

Justin Musselman is a financial advisor with Cetera who holds Series 63 and Series 66 designations and has 12 years of industry experience. He has worked at Voya Financial Advisors and Cetera Wealth Services, LLC before joining Cetera and leading Musselman Financial Solutions as Vice President of Operations, where he provides financial services including assistance with Medicare Part D plans. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual and institutional clients nationwide, offering a variety of portfolio management and retirement services through a multi-manager platform with both discretionary and non-discretionary strategies.

Kenneth Kussay is a Series 66 licensed financial advisor with over 31 years of industry experience. He has been affiliated with Linsco/Private Ledger Corp. since 2006 and operates under the DBA Granite Financial Solutions, LLC. He is based in Colmar, PA. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs and financial services supported by research and model portfolios, serving both discretionary and non-discretionary management needs.

Evan Levitsky is a financial advisor with LPL Enterprise in Warrington, PA, holding a Series 66 credential and three years of industry experience. He previously worked with The Prudential Insurance Company of America and Pruco Securities LLC, and he has held roles outside finance, including employment at Boscov’s involving video surveillance and loss prevention. Outside of his advisory role, he is involved as a referee and coach in sports and fitness. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, access to model portfolios and third-party asset management programs, and a range of brokerage and insurance products.

Elizabeth Fizell Jenkins is a Wealth Management Advisor at Merrill Lynch Wealth Management. She leverages her background in technology and consulting, along with her Certified Private Wealth Advisor® (CPWA), Certified Divorce Financial Analyst® (CDFA), and Chartered SRI Counselor™ (CSRIC) designations, to assist clients with wealth management strategies tailored to their unique needs. Elizabeth specializes in integrating Sustainable, Responsible, and Impact (SRI) investing considerations, including Environmental, Social, and Governance (ESG) analysis, to align clients' investment choices with their social and environmental values. Elizabeth earned a Bachelor of Arts degree in Economics from the University of Virginia. Her professional experience includes helping clients manage complex family dynamics, particularly those undergoing divorce, as well as focusing on women, LGBT clients, and socially responsible investing. She co-founded a non-profit organization that supports clients through the legal, financial, and emotional challenges of divorce. Elizabeth maintains a client base across multiple states, fostering relationships via phone and video conferencing. Outside of her professional work, Elizabeth is involved in community organizations such as the Cancer Support Community of Greater Philadelphia and the Central Bucks Chamber of Commerce Women in Business Committee. She has also held leadership roles including President of Delaware Friends of Folk and co-founder and president of cBridge Divorce Support. Elizabeth enjoys live music in intimate settings, crocheting items for her family and charities, and spending time at hockey rinks. She resides in Bucks County with her husband Jeff.

Denise Martin is a Wealth Management Advisor, First Vice President, and Portfolio Advisor at Merrill Lynch in Doylestown, Pennsylvania. She has provided integrated wealth management and financial advice for over three decades, serving affluent individuals, business owners, and corporate executives. Denise focuses on retirement income planning and analysis, distribution options for employer-sponsored retirement plan assets, estate planning issues, and strategic investment processes. She leads a team that delivers annual in-depth strategic analyses of portfolios, considering risk tolerance, time horizon, liquidity needs, and asset allocation to support clients in pursuing their financial goals. Denise holds several professional designations, including Accredited Asset Management Specialist (AAMS®), Certified Plan Fiduciary Advisor (CPFA®), Chartered Retirement Planning Counselor (CRPC™), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA®). She is a licensed long-term health care and life insurance agent, including annuities, and is a member of the Bucks County Estate Planning Council. Denise earned her bachelor's degree from LaSalle University, where she also studied in Switzerland at the University of Fribourg. She graduated from Villa Joseph Marie High School in Holland, Pennsylvania. In addition to her professional work, Denise is involved with various non-profit organizations in the Bucks County community. She enjoys biking, cooking, football, music, reading, running, spending time with her family, swimming, traveling, and yoga. Denise values meeting clients face-to-face and fostering an educational environment through webinars and in-person events to facilitate shared learning and financial growth.

Brian Lee is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and 13 years of industry experience. He has worked previously with Prudential Insurance Company of America, Pruco Securities, LLC, and Axa Advisors, LLC. In addition to his advisory role, Lee is an agent for Emerson Reid, selling health insurance commissions. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management, and a range of brokerage and insurance products via an integrated platform.

John West is a Series 66-licensed financial advisor at Ameriprise with 14 years of industry experience. He has been with Ameriprise and its affiliated entities since 2011. Outside of advising, he serves on the board of directors for the Fanny Chapman Pool and owns a consulting business, 27teen Consulting, LLC. Ameriprise provides retirement-income planning services focused on individuals approaching or in retirement who meet specific asset thresholds, delivering written recommendations that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research and modeling with a centralized consulting team to support advisors and clients, offering a broad range of advisory, brokerage, and insurance solutions.

Kathleen Lansing is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and 18 years of industry experience. She has worked at Wells Fargo Advisors since 2019 and previously spent six years at Oppenheimer & Co Inc. and one year in a position listed as Home. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options that include retirement, education, and specialized planning such as business-owner transition and special-needs analysis. The firm supports advisors with proprietary research and planning tools while integrating advisory services with various financial products and referral channels.

Brooks Guzman is a Financial Consultant at Fidelity Investments, where he works directly with clients to develop personalized financial plans. He aims to serve as a long-term partner, providing ongoing guidance as markets and life circumstances change. Brooks utilizes Fidelity's resources to help clients feel heard, understood, and confident in their financial strategies. Prior to becoming a Financial Consultant in 2024, Brooks worked as an Investment Consultant at Fidelity Investments from 2023 to 2024. Before that, he was a High Net Worth Client Representative at Vanguard from 2021 to 2023. This experience has provided him with expertise in investment consulting and client relationship management. Outside of his professional work, Brooks enjoys cooking and baking, participating in family activities, exploring food culture as a foodie, and engaging in sports such as football and golf. He also has an interest in music.

Jerome Free Jr. is a financial advisor with Ameriprise in Lansdale, PA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet certain asset criteria, delivering written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm uses a combination of research, modeling, and tax-efficiency analysis to generate recommendations, with a focus on assets held in Ameriprise Managed Accounts.

Tracey Herring is a financial advisor at Wells Fargo Clearing with 23 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including MML Investors Services and MassMutual. Outside of her advisory work, she consults for PureHaven, a company specializing in nontoxic home and personal care products. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services, managing roughly $671 billion in assets through more than 14,000 financial advisors.

Joshua Gummo is a CFP® professional with 11 years of experience in the financial services industry. He is currently with Cetera and has held roles at Concourse Financial Group Securities Inc, Bank of America, and Merrill Lynch, Pierce, Fenner & Smith Inc. Outside of his advisory work, he serves as an elder at Ebenezer Bible Fellowship Church and participates in development efforts for Church Extension Ministries. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a large nationwide network of independent advisors and utilizes a multi-manager platform to implement various investment strategies.

Thomas Lewis is a Financial Advisor with Merrill Lynch Wealth Management. He has been working in the finance industry since completing his academic career. Thomas focuses on helping clients manage their investments and plan for retirement, combining data-driven retirement forecasting with disciplined wealth management to support informed decision-making during market fluctuations. He earned a Bachelor's degree in Business and Finance from Saint Joseph's University in 2020, where he also competed as a Division I golfer. Thomas holds the Chartered Retirement Planning Counselor (CRPC) designation awarded by the College for Financial Planning Institutes Corp., as well as the Personal Investment Advisor (PIA) designation. His client focus areas include education planning, family wealth management strategies, managing new wealth, portfolio management services, socially responsible and ESG investing, sports and entertainment, individual and corporate investment strategy, tax minimization, and retirement income. In addition to his professional commitments, Thomas is involved with the Bucks County Estate Planning Committee and participates in community activities through the Bucks County Opportunity Council. After living in Arizona for several years, he moved to Doylestown, Pennsylvania, in March 2024. Outside of work, Thomas enjoys golfing, playing billiards, hiking, biking, basketball, and woodworking.