Joel Gilley is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has worked with MassMutual and its subsidiary since 2014. Outside of his advisory role, he owns a consulting business, Promus Financial, and is also licensed as an insurance agent. 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 provides financial planning, asset management, and educational seminars, structuring engagements as annual collaborative relationships using advanced analytical tools.

Erman Tasci is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been assisting affluent families and high net worth individuals in achieving their financial and retirement goals since 2000. His approach emphasizes a holistic, goal-based planning process that caters to the unique needs and aspirations of each client. Erman holds the Chartered Retirement Planning Counselor (CRPC) designation and the Personal Investment Advisor (PIA) credential. He earned a Bachelor's degree in Finance with a minor in Economics from Pennsylvania State University. Prior to that, he completed his high school education at Bethlehem Catholic High School. Outside of his professional responsibilities, Erman enjoys biking, cooking, fishing, hiking, running marathons, swimming, traveling, and practicing yoga. He values family time and dedicates effort daily toward personal growth and training. He lives with his wife, Lori, and their children, Amelia and Xander.

Glenn Graff is a financial advisor at OSAIC with 25 years of industry experience. He holds a Series 66 designation and previously worked for Lincoln Financial Advisors Corporation for 12 years. He has been with OSAIC since 2025. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to managed account solutions. The firm utilizes asset-allocation tools and third-party platforms to construct diversified portfolios, accommodating both discretionary and non-discretionary management.

Wilfredo Medina is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His work history includes roles at Bank of America and Primerica Financial Services, among others. Outside of his advisory role, he has worked as a rideshare driver for Uber and Lyft on an occasional basis. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a variety of client types including individuals, high-net-worth clients, and institutional investors.

Riley Dohner is a financial advisor with Merrill in Allentown, PA, holding a Series 66 designation and beginning his industry career in 2026. Prior to joining Merrill and Bank of America, he held various roles including positions at Tidal Creek Brewhouse and the Philadelphia Union. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutional investors.

James King is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and three years of industry experience. He has worked at Wells Fargo Clearing since 2022 and has been with Wells Fargo Bank, N.A. since 2014. Prior to that, he spent three years at Amazon. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party analytics.

Louis Nemeth Jr. is a financial advisor at LPL Financial with 40 years of industry experience. He previously worked at Grove Point Advisors, LLC and Grove Point Investments, LLC. Nemeth holds Series 63 and Series 65 designations. Outside of advisory work, he is involved with Transamerica Life Insurance Company in a role related to non-variable insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large national network. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and diverse investment strategies.

Matt Rynard is a CFP® with 17 years of industry experience, currently serving as an advisor at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he serves as the treasurer for Faith Chapel of Carlisle, managing fund disbursements, payroll, bookkeeping, and reporting. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering investment policy preparation, performance reporting, participant education, and plan benchmarking. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with an emphasis on tailored services and discretionary plan-level investment management.

Thomas Cartin is a financial advisor at Wells Fargo Clearing with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including Prudential Insurance Company of America and Citizens Bank. Cartin also serves as a power of attorney for his mother. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Kurt Poling is a financial advisor at Wells Fargo Clearing with 36 years of industry experience. He holds the CFP® and ChFC® designations and has been with Wells Fargo in various capacities since 2009. 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 advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment offerings.

Nicholas Nejad is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and seven years of industry experience. He has been with Wells Fargo Clearing since 2018 and previously worked in the automotive and remodeling industries. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, using an investment policy statement-driven process grounded in modern portfolio theory. The firm offers both discretionary and non-discretionary services and includes a broader range of financial product options, such as insurance-related vehicles and bank deposit sweep programs.

Richard Seidel is a financial advisor at Primerica Advisors with seven years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Primerica Advisors and Primerica Financial Services since 2018, as well as Blue Mountain Financial Group since 2020. Outside of his advisory role, he is involved in sales of investment-related products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and offers a tiered wrap-fee structure rather than fixed fees.

Jennifer Ramphal is a financial advisor at Morgan Stanley with 18 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients. The firm offers tailored financial planning through its Financial Advisors and Estate Planning Strategies Group and manages approximately $2.74 trillion in client assets.

Lloyd Jones is a financial advisor with Edward Jones, holding Series 63 and Series 65 designations and bringing 22 years of industry experience. He has been with Edward Jones since 2003. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and corporate entities. The firm manages approximately $1.01 trillion in assets under management through a broad network of financial advisors and branch offices and offers a range of advisory strategies under a fiduciary standard.

Bryn Lindenmuth Jr. is a financial advisor with Primerica Advisors in Allentown, PA, holding Series 63 and Series 65 licenses and four years of industry experience. His background includes roles at Blue Mountain Financial Group and Primerica Financial Services, as well as a 14-year tenure with the Southwestern Regional Police Department. Lindenmuth also engages in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and provides a tiered wrap-fee structure for investment management.

Timothy Jones is a financial advisor with Mass Mutual Investors Services holding Series 63 and Series 65 licenses and nine years of industry experience. His prior work includes positions at Royal Alliance Associates, Inc., Signator Investors, Inc., Mutual of Omaha, and Jones Financial. He is also affiliated with MassMutual Life Insurance Company. MassMutual Investors Services, LLC 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, utilizing firm-approved tools to deliver tailored recommendations without discretionary authority.

Michael Netznik Jr. is a financial advisor with Ameriprise, holding a Series 66 designation and 23 years of industry experience. He has been with Ameriprise and its affiliates since 2003. Outside of his advisory role, Netznik serves on the Board of Directors for Pi Kappa Phi at Albright College and holds leadership positions in local community organizations, including President of the Palmerton Towamensing Athletic Association and President of the Carbon County Copperheads. Ameriprise is a large institutional firm that offers retirement-income planning services tailored to individuals approaching or in retirement, combining research and algorithmic tools to provide personalized, tax-efficient withdrawal strategies. The firm serves clients with significant investable assets through a broad range of advisory, brokerage, and insurance solutions.

Gary Plessl is a CFP®-certified financial advisor with 26 years of industry experience. He is currently with Wells Fargo Advisors and previously spent 10 years at Ameriprise Financial Services, LLC. Outside of his advisory work, he is the author of a book on retirement and is involved in organizing local basketball and volleyball tournaments, as well as officiating basketball games. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and utilizes proprietary research and tools to develop tailored recommendations for clients.

Alyssa Christman is a Planning Consultant at Fidelity Investments, a role she has held since 2025. She began her career at Fidelity Investments in 2024 as a Relationship Manager before transitioning to her current position. Prior to joining Fidelity, Alyssa gained experience at Bank of America - Merrill Lynch, where she served in multiple roles including Business Manager, Wealth Management Specialist, and Wealth Management Client Associate from 2018 to 2024. Throughout her career, Alyssa has focused on helping clients organize their finances with attention to their personal goals. Her professional experience spans wealth management and client relations within major financial institutions. Outside of her professional life, Alyssa enjoys cooking and baking, gardening, outdoor adventures, and traveling.

David Quatrone is a financial advisor at Primerica Advisors with 11 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Primerica Advisors since 2015. In addition to his advisory role, he has been involved with Tutor.Com, Educational Testing Service, Kaplan Test Prep, and Allentown School District since 2005. Primerica Advisors offers a wrap-fee asset management program serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-driven strategies managed by third-party asset managers and provides trade execution and custody support through BNY Mellon Advisors and Pershing.