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 in Allentown, PA, holding a Series 66 designation and 15 years of industry experience. Her prior roles include positions at Bank of America and Merrill. She has been with Raymond James & Associates since 2019. 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 financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

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. He holds Series 63 and Series 66 licenses and has seven years of industry experience. His prior roles include positions at Commonwealth Financial Network, American Portfolios Financial Services, and Hartford Funds Distributors. Outside of his advisory work, he serves as CEO of Dill Wealth Management LLC and is involved with Aucoin Wealth Management as a financial advisor and director of strategy. 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, pension plans, and institutions. The firm offers tailored, non-discretionary planning and uses analytical tools to support client goals, while also maintaining specialized programs such as municipal advisory services and SIMPLE IRA employer advisory consulting.

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, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has been with Equitable Advisors since 1999 and was previously associated with AXA Advisors, LLC. In addition to his advisory role, he is involved in an outside insurance brokerage business. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by providing financial planning, retirement plan consulting, and a range of asset-management programs. The firm’s advisory approach includes matching clients to program models or discretionary managers, often through third-party sponsors, and provides ERISA fiduciary services for qualified plans.

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 CFP®-certified financial advisor with LPL Financial, where he has worked since 2005, bringing 28 years of industry experience. Prior to joining LPL, he spent seven years at Valley National Advisers Inc. He is also involved in tax preparation, accounting, and bookkeeping through his firm Emilio J. Morrone, LLC, and engages in selling non-variable insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, institutions, and retirement plan participants. The firm offers a wide range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms.

Patrick Burke is a financial advisor at Mass Mutual Investors Services with Series 63 and Series 65 licenses and two years of industry experience. He has worked at Mass Mutual Investors Services since 2024 and previously held positions at MassMutual Life Insurance Company, Glenmaura National Golf Club, Scranton Preparatory School, and Divine Mercy Parish. He is also an insurance broker, licensed to sell life, disability, long-term care insurance, and fixed annuities. 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, emphasizing collaborative, goal-focused planning without discretionary investment authority.

James Szczepaniak is a financial advisor at Equitable Advisors with 29 years of industry experience. He has held the Series 63 and Series 66 designations and has been with Equitable Advisors since 2001. Szczepaniak also operates The Rockland Group - Wealth Management, LLC as an additional business venture. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs primarily through a network of Investment Adviser Representatives and third-party asset managers.

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.

George Naef is a Financial Advisor with Merrill Lynch Wealth Management, serving the Lehigh Valley since 2019. He works primarily with business owners, real estate investors, retirees, and families preparing for or in retirement, focusing on helping clients navigate important financial decisions with confidence. His client focus includes areas such as college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, small business strategies, tax minimization, and retirement income. George holds a Bachelor's Degree from Bloomsburg University of Pennsylvania and possesses professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He emphasizes wealth management as a comprehensive approach to addressing clients' questions about retirement readiness, tax efficiency, business succession, and legacy planning. Beyond his professional role, George is involved in his community through organizations such as Allentown Rotary and Habitat for Humanity, where he has served on the board and as program committee chair. His personal interests include cooking, music, reading, spending time with his family, and traveling.

Todd Harvey is a CFP®-certified financial advisor at Stifel with 32 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2009. Stifel serves a broad range of clients including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and planning analyses.

Gabriel Micca is a Series 66-licensed financial advisor with Mass Mutual Investors Services in Allentown, PA, where he has worked since 2017. He has nine years of industry experience, including prior work at MSI Financial Services Inc and Massachusetts Mutual Life Insurance Company. Before entering financial services, he was employed at Chrome Lounge and attended Penn State University. Mass Mutual Investors Services, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers collaborative, annual planning engagements using firm-approved software, with a focus on recommending investment categories and strategies rather than specific products.

Richard Gerhart Jr. is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 22 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for 14 years before joining Wells Fargo Clearing in 2022. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s IPS-driven advisory process is grounded in modern portfolio theory and includes a broader set of financial product offerings, such as insurance-related vehicles and bank deposit sweep options.

Michael Glovas Jr is a financial advisor with Morgan Stanley in Easton, PA, holding a Series 66 credential and four years of industry experience. His work history is primarily with Morgan Stanley Smith Barney and Morgan Stanley Private Bank, spanning from 2017 to the present. Outside of his advisory role, he is involved in house flipping and property management activities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and analyses to support client financial plans.

Ashley Frankenfield is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and eight years of industry experience. Her prior work includes roles at PFS Investments Inc. and various companies in marketing and supply industries. Outside of financial advising, she owns an eCommerce store and operates a massage therapy business. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm manages approximately $15.5 billion in assets and delivers advisory services through model-driven strategies created by unaffiliated asset managers.

Kristy Kurek is a financial advisor at Wells Fargo Clearing with one year of industry experience and holds a Series 66 designation. She has been with Wells Fargo since 2012. Outside of her advisory role, she serves as a board member for the Salvation Army children’s services, supporting local foster and adoption efforts. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering investment advisory services grounded in modern portfolio theory and tailored to plan objectives and risk tolerances. The firm acts as an ERISA fiduciary and offers both non-discretionary and discretionary services, including a Plan Level Investment Selection 3(38) discretionary option.