Joseph Brita is a financial advisor at Osaic with 44 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Osaic since 2018. Prior to that, he spent 25 years at Signator Investors, Inc. and John Hancock Mutual Life Insurance Co. He is a partner at Quantum Financial Management, an LLC involved in securities sales, marketing, and investment advisory services. Osaic Wealth, Inc. serves retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers. The firm employs asset allocation tools and automated rebalancing to construct diversified portfolios, with accounts managed on discretionary or non-discretionary bases and supports various advisory platforms including third-party services such as Envestnet and SEI.

Erin Estes is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and three years of industry experience. She has been with Wells Fargo Clearing since 2023 and has worked at Wells Fargo Bank, N.A. since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Tiffany Volpe is a financial advisor with LPL Financial, holding a Series 66 credential and bringing 20 years of industry experience. Her prior work includes positions at Grove Point Investments, Grove Point Advisors, and H. Beck, Inc. Additionally, she operates an accounting and tax preparation business. 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 diverse advisory programs and financial planning services, employing both discretionary and non-discretionary management supported by proprietary and third-party research.

Michelle Geddes is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 15 years of industry experience. She has been affiliated with Cetera and its related entities since 2010 and currently is also associated with Febbo Wealth Management. Outside of her advisory work, she operates a tax and accounting business serving local clients. Cetera Investment Advisers LLC serves individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers various portfolio management and financial planning services, utilizing a multi-manager platform with discretionary and non-discretionary strategies.

Kristin Delong is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 15 years of industry experience. She previously worked at Bank of America and Merrill before joining her current firm in 2019. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, pension plans, and charitable organizations. The firm provides financial planning and consulting services with mostly non-discretionary relationships, utilizing a range of portfolio management styles and affiliated research.

David Green is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones for five years before joining Wells Fargo in 2017. Outside of his advisory role, he co-owns a farm business and serves as a junior high assistant football coach in the Wayne Highlands School District. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a range of financial products such as insurance-related vehicles and bank deposit sweep options.

Patrick Dill is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 credentials and seven years of industry experience. His prior roles include positions at Hartford Funds Distributors, LLC, American Portfolios Financial Services, Inc., and Ameriprise Financial. He is also the CEO of Dill Wealth Management LLC and serves as Financial Advisor and Director of Strategy at Aucoin Wealth Management. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers non-discretionary planning and consulting tailored to client goals using analytical tools, and it supports municipal and public-finance work through a unique affiliated municipal advisor.

Michael Guldin is a CFP® professional with eight years of industry experience, currently serving as a financial advisor at Stifel since 2023. His prior roles include positions at MassMutual Life Insurance Company, Mass Mutual Investors Services, Sanofi Pasteur, and Lincoln Financial Distributors. He serves on the Board of Directors and Finance Committee for Camelot for Children, a nonprofit organization providing social and educational opportunities for children with special needs. Stifel serves a diverse client base including individuals, institutional clients, and municipal entities, offering brokerage and investment advisory services supported by a proprietary investment strategy methodology developed by its Investment Strategy Group.

William Bradford Jr. is a financial advisor with Equitable Advisors in Bethlehem, PA, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has worked with Equitable Advisors since 1999, including its predecessor firm Axa Advisors, LLC. Outside of his advisory role, he is involved in an insurance brokerage business. 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 operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance services tailored to client goals and risk tolerance.

Mary Mugambi is a financial advisor with Morgan Stanley in Allentown, PA, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. Her career includes a decade with Wells Fargo Clearing and various related Wells Fargo entities prior to joining Morgan Stanley in 2026. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning approach supported by advanced modeling tools.

John Rimm is a ChFC® credentialed advisor with 33 years of industry experience, currently affiliated with OSAIC since 2018. He previously worked for 25 years at Signator Investors, Inc. In addition to his advisory role, he is a senior partner at Quantum Financial Management and Fixed Insurance, LLC, involved in the sales and marketing of securities, investment advisory, and fixed annuity products. OSAIC serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers through multiple platforms. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to construct portfolios across various asset classes for discretionary or non-discretionary management.

Adam Cadwallader is a financial advisor with Stifel in Center Valley, PA, holding Series 63 and Series 65 licenses and accumulating 29 years of industry experience. He has been with Stifel since 2007. Stifel serves a broad range of clients including individuals, institutional clients, charitable organizations, and municipal entities. The firm offers brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Emilio Morrone is a Certified Financial Planner® with 28 years of industry experience, currently serving at LPL Financial since 2005. He holds the CFP® and Series 63 designations. Outside of his advisory role, he is involved in tax preparation, accounting, and bookkeeping through his own firm, EMILIO J. MORRONE, LLC, and also sells non-variable insurance products including life, health, disability, and long-term care insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides a range of financial planning and advisory programs, offering both discretionary and non-discretionary management supported by research and multiple investment strategies.

Patrick Burke is a financial advisor at Mass Mutual Investors Services with Series 65 and Series 63 licenses and two years of industry experience. Prior to his current role, he held positions at MassMutual Life Insurance Company and worked in roles at Glenmaura National Golf Club, Scranton Preparatory School, and Divine Mercy Parish. He is also an insurance broker, specializing in life, disability, long-term care insurance, and fixed annuities. Mass Mutual Investors Services, a subsidiary of MassMutual, 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 offers collaborative, annual financial planning engagements using firm-approved software and also provides educational seminars and specialized planning services.

James Szczepaniak is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 designations and bringing 29 years of industry experience. He has been with Equitable Advisors and its predecessor firm, Axa Advisors, LLC, since 2001. Szczepaniak also operates The Rockland Group - Wealth Management, LLC. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charitable organizations, and institutions. The firm offers a range of financial planning, broker-dealer, insurance, and asset management services, working extensively through program sponsors and third-party managers to deliver advisory and brokerage solutions.

Emily Frenzel is a financial advisor at UBS Financial Services with 18 years of industry experience. She holds a Series 66 designation and has been with UBS since 2008. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm operates as a broker-dealer, investment adviser, and futures commission merchant, providing a broad range of capital markets and wealth management services.

Lida Sosinski is a financial advisor at Fidelity with eight years of industry experience. She holds the Series 63 and Series 66 designations and has previously worked at Park Avenue Securities, LLC and Guardian Life Insurance Co of America. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including model portfolio construction using proprietary fundamental research, quantitative analysis, and algorithmic methods. The firm also serves registered investment companies and offers a range of discretionary and non-discretionary advisory services.

George Naef is a Financial Advisor at Merrill Lynch Wealth Management, serving clients in the Lehigh Valley since 2019. He works primarily with business owners, real estate investors, retirees, and families who are preparing for retirement or managing their legacy. His approach focuses on helping clients navigate important financial decisions related to retirement planning, tax efficiency, business succession, and legacy planning. George holds a Bachelor's Degree from Bloomsburg University of Pennsylvania. He has earned several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His expertise includes retirement income strategies, family wealth management, tax minimization, legacy planning, and managing new wealth. In addition to his professional work, George is involved in community organizations such as the Allentown Rotary, where he serves on the board and as Program Committee Chair, Habitat for Humanity, AGAPE, and the Salvation Army. His personal interests include cooking, music, reading, spending time with family, and traveling.

Richard Hoffman is a financial advisor at LPL Financial with 57 years of industry experience. He holds a Series 63 designation and has previously worked at Grove Point Investments, LLC, Grove Point Advisors, LLC, Hoffman Financial Services - TPA, and H. Beck, Inc. Outside of his advisory role, he maintains an insurance agent activity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Todd Harvey is a CFP® professional with 32 years of industry experience. He has been with Stifel since 2009. Stifel serves a broad range of clients including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling to support asset allocation and financial planning analyses.