Kurt Poling is a financial advisor with Wells Fargo Clearing, holding the CFP® and ChFC® designations along with Series 63 and Series 65 licenses. He has 37 years of industry experience and has been with Wells Fargo Clearing 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 roughly $671 billion in assets and offers both brokerage and advisory solutions.

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.

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.

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.

Heather Gross is a financial advisor with Merrill based in Allentown, PA. She holds a Series 66 designation and has 22 years of industry experience. Gross has been with Merrill since 1999 and began working at Bank of America, N.A. in 2025. 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. The firm offers model-based and discretionary investment strategies for a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Pulcini is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and has been in the industry since 2025. Prior to his current role, he worked at Deloitte Consulting LLP for three years. He is also involved in outside insurance sales as an insurance broker specializing in life, disability, long-term care, fixed annuities, and health insurance. MassMutual 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, focusing on collaborative, goal-based planning supported by firm-approved analytical tools.

Michael Netznik Jr. is a financial advisor at Ameriprise with 24 years of industry experience. He has been with Ameriprise and its related entities 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 including President of the Palmerton Towamensing Athletic Association and the Carbon County Copperheads. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides retirement income planning with a focus on dependable income sources and tax‑aware withdrawal strategies.

Judith Graham is a financial advisor at Merrill with 21 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2015, previously with Janney Montgomery Scott and Citigroup Global Markets. 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. The firm offers both model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional accounts.

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.

John Reidy is a financial advisor at OSAIC with 35 years of industry experience. He holds the Series 63 and Series 65 designations. Prior to joining OSAIC in 2024, he worked at Securities America Advisors and Securities America Inc. for seven years each, National Planning Corp for five years, and held various roles at OneAmerica Securities, Cetera Wealth Services, and Hornor, Townsend & Kent. Outside of advisory work, he serves as a General Agent for Ameritas Life Insurance through OnePenn Financial Group. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services including comprehensive financial planning, advisor-managed portfolios, and retirement plan consulting. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization supported by risk-tolerance analysis and multiple management options.

Antoinette Chakif is a financial advisor with Wells Fargo Clearing in Allentown, PA, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. She has been with Wells Fargo Clearing and Wells Fargo Bank, N.A. since 2017, with prior career experience including a hiatus from 2016 to 2017. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Gavin Carey is a Series 66 licensed financial advisor with Equitable Advisors, where he has worked since 2019. He has seven years of industry experience and has held roles at firms including Richards, Meli & Associates and various service positions. Outside of his advisory work, Carey serves as an assistant coach for the Lehigh Valley Phantoms youth ice hockey team. 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 asset management programs delivered through a network of Investment Adviser Representatives and partnerships with third-party asset managers.

Scott Richards is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of his advisory work, Richards serves as Vice President on the Board of Directors for the Jerry Zimmerman Memorial Chapter of The National Wild Turkey Federation. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement, combining research, modeling, and tax-efficiency analysis to provide tailored, written recommendations. The firm serves a broad client base with advisory, brokerage, and insurance solutions through affiliated entities.

Lorraine Gerra is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 25 years of industry experience. She has worked with Wells Fargo Clearing Services since 2017 and with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2005. 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 offers both brokerage and advisory solutions.

Robert Godown Jr. is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual 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 offers both direct and employer-sponsored planning services.

Christopher Barr is a financial advisor with Mass Mutual Investors Services in Allentown, PA, holding Series 63 and Series 66 credentials and possessing 20 years of industry experience. His previous roles include positions at Lockwood Advisors, Inc. and Pershing LLC. He is also involved in individual life, health, and group insurance sales. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes collaborative annual financial planning engagements using firm-approved analytical tools and provides event-driven planning programs such as divorce, estate settlement, and employer-sponsored planning.

Justine Frantz is a financial advisor with Equitable Advisors in Bethlehem, PA, holding Series 63 and Series 65 licenses and having 10 years of industry experience. She previously worked at Axa Advisors, Santander Securities, and Santander Bank. She also maintains an other business activity outside of Equitable Advisors through Ockland Wealth. Equitable Advisors serves a range of clients, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset management programs. The firm utilizes both proprietary and third-party advisory programs and emphasizes client-specific risk assessment and model matching.

Scott Brantingson is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 licenses and bringing 38 years of industry experience. Prior to joining Raymond James in 2018, he worked for Wells Fargo Advisors for 10 years. He is also the managing partner of Monocacy Wealth Partners. 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, corporations, and institutions. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public finance work through a unique municipal advisor affiliation.

Bradford Wankewicz is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 designations and bringing 13 years of industry experience. His prior work includes roles at Wells Fargo Clearing and Wells Fargo Bank NA. He is also employed as an associate at Fulton Bank NA and Fulton Financial Advisors, where he is involved in investment sales and services. 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, corporations, and institutional clients. The firm offers tailored non-discretionary planning and analytical tools to help clients evaluate potential outcomes and supports municipal and public finance through a unique affiliation with a municipal advisor.