Emily Moore is a CFP® professional with eight years of experience in financial advising. She is currently with Ameriprise Financial Services LLC and has previously worked at Lincoln Investment, Raymond James Financial Services, and several other firms. In addition to her advisory role, she serves part-time as a Personal Financial Counselor III for MAGELLAN FEDERAL, providing financial education and counseling related to budgeting and resource referrals in support of military needs. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides ongoing tax-aware retirement income planning and written recommendation reports. The firm’s approach includes proprietary research and structured withdrawal strategies, with enrollment criteria that focus on clients with a minimum level of investable assets.

Christopher Yale is a financial advisor with Morgan Stanley in Allentown, PA, holding a Series 66 designation and 13 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and has been affiliated with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through Corporate Financial Planning agreements.

Joan Markus is a financial advisor at Stifel with 27 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Stifel since 2009, with prior experience at PaineWebber. Markus also serves as a notary. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Michael Fransen is a financial advisor with LPL Financial, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Edward Jones and Foresight Business Solutions, as well as periods of self-employment. Fransen is also involved in tax preparation and accounting through Emilio J. Morrone, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research and diversified investment strategies.

Nathan Kistler is a financial advisor with LPL Financial in Bethlehem, PA, holding Series 63 and Series 65 credentials and 20 years of industry experience. Prior to joining LPL Financial, he worked at Santander Securities, Santander Bank, Cuso Financial Services, and Citizens Bank. 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 financial planning, advisory programs, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Paul Febbo is a financial professional with 11 years of industry experience, currently affiliated with Cetera. He holds a Series 66 designation and operates a separate financial services business, Febbo Wealth Management, LLC. Additionally, he owns a small video game project pursued as a hobby. Cetera Investment Advisers LLC serves a broad client base, including individual, corporate, and institutional clients, offering a range of portfolio management and financial planning services through a multi-manager platform.

Andrew Guman is a financial advisor at Morgan Stanley in Allentown, PA, with 19 years of industry experience. He holds a Series 63 designation and previously worked at UBS Securities for seven years before joining Morgan Stanley Private Bank, N.A. in 2021. Outside of his advisory role, he serves on the advisory board of St Thomas More Parish Council, a community organization in Allentown. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and specialized estate planning groups.

Jonathan Ruch is a financial advisor with Morgan Stanley in Allentown, PA, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services that combine advisory and brokerage capabilities.

James Serratelli is a financial advisor with Ameriprise Financial Services LLC, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. His prior roles include positions at DFPG Investments, Inc., Questar Asset Management, Questar Capital Corporation, and Robertson Serratelli Financial Group. He is also a co-owner of JMH Ventures, LLC. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver annual written recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities typical of a large institutional firm.

Troy Scozzafava is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and has one year of industry experience. His prior roles include positions at GVA Wealth Management and 1847 Financial, as well as experience outside finance with Nature Valley Landscaping. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm employs firm-approved software and structured planning engagements to deliver written recommendations, generally without investment discretion.

Andrew Polony is a financial advisor at Equitable Advisors with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Equitable Advisors since 2013, previously affiliated with Axa Advisors LLC. Polony also operates a wealth management business under the name The Rockland Group. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model that combines advisory and brokerage services tailored to clients’ goals and risk profiles.

Anthony Sarko is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley Private Bank since 2015, as well as with Morgan Stanley Smith Barney and Citigroup Global Markets since 2009. Sarko is involved in managing rental property investments outside of his advisory role. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies.

Sondrine Gutierrez is a Series 66-licensed financial advisor at Morgan Stanley with 11 years of industry experience. She has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2015. Outside of her advisory role, she coaches the girls' basketball team at Wilson Area School District. Morgan Stanley Wealth Management is a large institution serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Joseph Ayers is a financial advisor at Mass Mutual Investors Services with seven years of industry experience. He holds Series 63 and Series 65 licenses and has been with Mass Mutual Investors Services and MassMutual Life Insurance Co since 2017. Prior to his financial services career, he attended Susquehanna University. Outside of advising, he works as an insurance agent specializing in life and health insurance. 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 offers financial planning, asset management, and educational seminars, focusing on collaborative annual planning engagements with clients.

Olivia Ackerman is a Series 66-licensed financial advisor at Fidelity with two years of industry experience. Her prior roles include positions at USHealth Advisors and Juice Press LLC. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients. The firm utilizes a combination of proprietary fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs, and holds a unique regulatory standing as both a commodity pool operator and advisor to multiple registered investment companies.

Forrest Obrien is a financial advisor with Cambridge Investment Research Advisors, holding a Series 63 designation and 35 years of industry experience. He previously worked at Commonwealth Financial Network and Cadaret, Grant & Co., Inc. Outside of his advisory role, he owns Financial Sources Inc., a private entity that facilitates securities and insurance business. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing a mix of proprietary and third-party strategies across multiple platforms.

Meghan Casey is a financial advisor at Edward Jones with 11 years of industry experience. She joined Edward Jones in 2016 after two years with JP Morgan Securities LLC. Outside of her advisory role, she participates in management decisions for a real estate investment business. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of advisory strategies and maintains a nationwide network of over 23,000 financial advisors and 15,000 branch offices.

Robert Meuser Jr. is a financial advisor with Ameriprise in Easton, PA, holding a Series 66 designation and 26 years of industry experience. He has previously worked at Wells Fargo Advisors, LLC and Wells Fargo Clearing. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, using a centralized consulting team that delivers tailored, algorithm-assisted recommendations focused on income sources, tax efficiency, and Social Security strategies.

William Travis is a CFA® charterholder with 24 years of industry experience, currently serving at Mass Mutual Investors Services since 2009. He also holds a Series 63 license and works as an insurance agent specializing in individual life, property/casualty, health, and group insurance products. Outside of his advisory role, Travis serves as a FINRA arbitrator and operates a business consulting practice. MassMutual 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. The firm emphasizes collaborative, goal-oriented planning using advanced analytical tools and offers a range of investment and educational programs.

Joseph Hoffmeier Jr. is a financial advisor with Morgan Stanley in Allentown, PA, holding Series 63 and Series 65 licenses and possessing 32 years of industry experience. He has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2016. Outside of his advisory role, Hoffmeier is a sole proprietor involved in real estate through rental property ownership. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a broad range of advisory programs and financial planning services to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools such as Secular Return Estimates and Monte Carlo simulations as part of its financial planning process.