Luis Rivera is a financial advisor with Ameriprise, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise provides retirement-income planning services focused on clients approaching or in retirement with significant investable assets. The firm delivers tailored, research-driven recommendations through a centralized consulting team and offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Joseph Painter is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. His prior roles include positions at Citizens Securities, PNC Investments, and Verizon Wireless. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Steve Marciniak is a financial advisor with Ameriprise in Allentown, PA, holding Series 63 and Series 65 credentials and 25 years of industry experience. He has been with Ameriprise and its affiliated entities since 2013. He is also the owner of Marciniak LLC, through which he manages his advisory business. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to provide personalized, non-discretionary recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Maria Winters is a financial advisor at Cetera with 12 years of industry experience. She holds a Series 66 designation and has been affiliated with Cetera Advisors LLC since 2013. Winters also operates EM Winters Financial Services, a separate investment-related business, and is a licensed notary public. Cetera is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and provides access to multiple program structures and third-party managers.

Katherine Labuda is a CFP® professional with 18 years of industry experience, currently serving at Raymond James & Associates since 2007. She is involved in local nonprofit and community organizations, including founding the Allentown Rotary Club SMILE Newsletter and participating in the DeSales University Presidents Council and Southern Lehigh Chamber of Commerce. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves individuals, institutions, and charitable organizations, offering tailored financial planning and investment consulting through a variety of portfolio management styles and proprietary research.

Frederick Kleinhenz Jr. is a CFP® with 33 years of industry experience, currently serving at OSAIC since 2023. He has previously worked at Sagepoint Financial, Inc. and operates Kleinhenz & Company LLP, an accounting and tax services partnership. He also owns an insurance agency. Osaic Wealth serves a diverse client base—including individual investors, retirement plans, charities, and corporations—offering brokerage and advisory services with an investment approach that emphasizes model-based asset allocation and portfolio optimization.

Mary Evans is a CFP®-certified financial advisor at Raymond James Financial with 21 years of industry experience. She has been with Raymond James since 2008 and manages a branch office through her ownership of Evans Wealth Strategies. In addition to her advisory work, she is an author, with a book published in March 2025. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm emphasizes non-discretionary planning tailored to client goals and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Tracy Carmer is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and 15 years of industry experience. She has worked at Fulton Bank and Fulton Financial Corporation, among other firms. Carmer is also involved as an associate employee with Fulton Financial Advisors, focusing on sales and investment products. 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 uses analytical tools and risk profiling to tailor non-discretionary planning and consulting to client goals and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Edward Bullock is a financial professional with 42 years of industry experience. He has been with Cetera since 2005 and holds the ChFC®, Series 63, and Series 65 designations. Outside of his advisory work, Bullock serves as President of the Board of Trustees for the Phillipsburg NJ Public Library and as Vice Chairman of the IRCO Federal Credit Union board. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients nationwide. The firm offers a multi-manager platform with various portfolio management and financial planning services, supporting a large network of advisors and managing over $256 billion in assets.

Carla Wamba is a financial advisor at Ameriprise with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Ameriprise and its affiliated entities since 2009. Outside of her advisory role, she owns and operates Good Karma Tax LLC, a tax preparation business based in Bethlehem, PA. Ameriprise offers retirement-income planning services primarily for clients approaching or in retirement with significant investable assets, delivering customized recommendation reports that incorporate research, modeling, and tax-efficient strategies.

Jessica Towles is a Planning Consultant at Fidelity Investments. She has been with Fidelity since 2022, previously serving as a Central Relationship Manager and Relationship Manager before her current role. Her experience in the financial services industry spans 11 years, including roles as a Mortgage Underwriter at Wells Fargo Bank and a Registered Client Associate at Wells Fargo Advisors. Jessica focuses on helping clients work toward their retirement goals by utilizing the resources available at Fidelity to develop personalized plans that meet individual needs. She holds an Arkansas Insurance License. Outside of her professional career, Jessica has interests in comedy, food, football, soccer, and traveling.

Mark Schaaf is a financial advisor with Wells Fargo Clearing in Allentown, PA, holding Series 63 and Series 65 designations and 27 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a wide range of investment advisory services, financial planning, and retirement plan consulting through a large network of advisors and utilizes research and analytics grounded in diversification principles and modern portfolio theory.

Marisa Coldwell is a financial advisor with Raymond James & Associates in Allentown, PA, holding a Series 66 designation and 11 years of industry experience. She previously worked at Merrill for five years before joining Raymond James, where she has been advising clients for seven years. 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, and municipal entities, offering a range of financial planning and investment consulting services supported by various portfolio management styles and affiliated research.

Rhonda Fraction is a financial advisor at Equitable Advisors with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Morgan Stanley and Carver Bank. Outside of financial advising, she coaches at Orangetheory Fitness and instructs at Sonny's Foundation Rumble Boxing. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives and third-party program sponsors.

Randy Bochniak is a financial advisor at Cetera with 24 years of industry experience. He holds a Series 63 designation and has been with Cetera and its affiliates since 2004. He also operates Randy S Bochniak & Associates, Inc., a CPA accounting firm based in Quakertown, PA. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers diversified portfolio management and financial planning services through a nationwide network of independent advisors and employs a multi-manager platform with various program structures and investment options.

Jessica Paretta is a financial advisor with LPL Financial based in Allentown, PA, holding Series 63 and Series 65 licenses and seven years of industry experience. Her prior firms include Nationwide Financial, Royal Alliance Associates, MML Investors Services, and MassMutual. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management solutions supported by advisor-facing tools and serves a broad client base through a network of over 22,900 advisors.

Tajai Smith is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds the Series 66 designation and has worked previously at Morgan Stanley Private Bank, N.A., Prudential Insurance Company of America, Mass Mutual, and Transamerica Agency Network. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven, grounded in modern portfolio theory, and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Matthew Patterson is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and 21 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2004. Outside of his advisory role, he is a co-owner of Klock & Patterson LLC, a business involved in the ownership and operation of commercial real estate in Allentown, Pennsylvania. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based analyses and written recommendations across a range of financial planning topics, while keeping planning and managed-account services distinct.

Christopher Schrampf is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and bringing 25 years of industry experience. His work history includes multiple tenures at Wells Fargo Clearing since 2004 as well as four years at PNC Wealth Management. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Jermaine Edwards is a Vice President and Financial Consultant at Fidelity Investments, where he has been serving since 2013. Prior to his current role, he held positions as Financial Consultant and Investment Consultant within the same organization. His career in financial advisory began in 2008, with roles at Morgan Stanley Smith Barney and Merrill Lynch. Throughout his career, Jermaine has focused on working closely with clients to help them achieve their financial goals. He is part of a client-focused organization that supports families in working toward a better financial future. Outside of his professional work, Jermaine enjoys family activities, football, music, and theater.