Lacey Kozik is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools, including Monte Carlo simulations, to support financial planning outcomes.

Robert Klock is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 65 credentials and having 28 years of industry experience. He has worked at Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Outside of his advisory role, Klock is involved in managing commercial real estate properties as a co-owner of KLOCK & PATTERSON LLC and owner of 227 WEST BROAD STREET, LLC. 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 planning without discretionary trading authority, focusing on financial planning topics that clients can integrate with managed-account programs under a consolidated billing system.

Jason Baver is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at Raymond James Financial since 2009 and previously held roles at Fulton Financial Advisors and Fulton Bank. Outside of his advisory work, he owns and manages rental real estate properties. 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, charities, and institutions. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports portfolios through a large advisor network and affiliated firms.

Janene Lyles-Davis is a Planning Consultant at Fidelity Investments, where she joined in 2024. In this role, she focuses on building strong professional relationships with clients by attentively listening to their financial needs and retirement goals, aiming to develop comprehensive financial plans tailored to help attain those objectives. Prior to her current position, Janene worked as a Client Development Representative at Jay Brew LLC from 2005 to 2023. Her experience spans client development and financial planning, providing her with a foundation to support clients in managing their wealth effectively. Janene's approach emphasizes collaboration and personalized financial strategies. Outside of her professional life, Janene enjoys board games, family activities, fitness, music, traveling, and volunteering.

Fiona Grant Boltz is a financial advisor at Merrill with 31 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Merrill since 1994, including 15 years concurrently at Bank of America, N.A. Outside of her advisory role, she serves as a board member for the Willow Valley Communities Charitable Foundation and the Junior League of Lancaster, where she is involved in community and charitable initiatives. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Daniel Ash is a financial advisor with Primerica Advisors in Hellertown, PA, holding Series 63 and Series 65 licenses and having nine years of industry experience. He has been with Primerica Financial Services and Primerica Advisors since 2016 and is also affiliated with The Perkiomen School since 2010. Outside of his advisory role, he is involved in real estate development through True Community Development. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of discretionary separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Solmaria Cruzado is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 registrations and bringing 11 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC and Wells Fargo Bank, N.A. Outside of her advisory role, she works as a delivery driver for DoorDash. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and offers a range of financial products supported by research and analytics.

Ronald Ruschman is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry since 1992 and joined Merrill Lynch in 1994. His professional focus is on developing strategies and providing investment guidance tailored to individuals, their families, and their businesses by understanding their short- and long-term financial goals. Ron holds several professional designations, including Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned a bachelor's degree in Finance from Susquehanna University. Outside of his professional life, Ronald and his wife Jennifer reside in Allentown with their children and are active in their community. They support autism research and Ronald currently serves on the Wildlands Conservancy Board of Directors. His personal interests include football, golfing, and music.

Emily Bayrasli is a financial advisor at Ameriprise with one year of industry experience. She holds a Series 66 designation and has prior work experience in food service and childcare, including roles at Joe Bosco Authentic Smokehouse BBQ and The Owls Nest Childcare Center. Ameriprise offers retirement-income planning services aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored retirement advice through a centralized consulting team.

Benjamin Sharpe is a financial advisor with Wells Fargo Clearing in Allentown, PA, holding Series 63 and Series 66 licenses and possessing 16 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2010 to 2016. Outside of his advisory role, he serves as treasurer for Boy Scout Troop 319 in Reading, PA. 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 supported by research from Wells Fargo Investment Institute.

James Baker is a financial advisor at Raymond James Financial with 41 years of industry experience. He holds Series 63 and Series 65 licenses and has been associated with Raymond James entities since 1990. Outside of financial services, he is involved with Pulmonary Power Harvesting Company, LLC and serves as an Associate Director of a nonprofit organization. Raymond James Financial Services Advisors, Inc. provides tailored financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers non-discretionary planning supported by analytical tools and is noted for its municipal advisory affiliation and specialized SIMPLE IRA consulting program.

Josue Edouard is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various Wells Fargo entities since 2014. 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 incorporates modern portfolio theory and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

John Denault is a financial advisor with Wells Fargo Clearing in Allentown, PA, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC. Denault has also served in the Connecticut Army National Guard since 1983. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Alexander Edwards is a financial advisor with Wells Fargo Clearing in Allentown, PA. He holds Series 63 and Series 66 designations and has three years of industry experience. His work history includes roles with Wells Fargo Bank, N.A. and Wells Fargo Virtual Channels. 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 offers both brokerage and advisory solutions and utilizes research from Wells Fargo Investment Institute and third-party sources to support its investment approach.

Timothy Mccarty is a Series 66-licensed financial advisor with Ameriprise in Sciota, PA, and has 16 years of industry experience. He has been with Ameriprise and its affiliate since 2014. He serves as a trustee on the Board of Directors for Manoquesy Lodge #413. Ameriprise is an institutional firm offering retirement-income planning services primarily to clients with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary retirement recommendations through a centralized consulting team.

Jade Clark is a CFP® professional with six years of industry experience, currently affiliated with Cetera. She has held positions at firms including Z Wealth Management and Allied Wealth Partners. Outside her advisory role, Clark assists an elderly neighbor with mail organization and household tasks. Cetera is an SEC-registered adviser serving individual, corporate, retirement plan, and institutional clients through a nationwide network of independent advisors. The firm offers a broad range of portfolio management and financial planning services and operates a multi-manager platform with access to affiliated and third-party managers.

Michael Barski is a financial advisor at Morgan Stanley with 48 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley since 2009, including a role with Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenario modeling in its financial planning process.

Saeid Zamani is a financial advisor at Raymond James Financial with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including LPL Financial, CUSO Financial Services, and Wells Fargo Clearing. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports a broad network of advisors with specialized services in municipal and public finance.

Alexander Price is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. He has been with Equitable Advisors since 2015, following five years at Axa Advisors, LLC. Outside of his advisory work, he is a member of the Rotary Club of the Pocono Mountains and serves as a club representative for Boy Scout Troop 89. 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. The firm emphasizes tailored investment models and fiduciary services, relying on external program managers rather than proprietary wrap fee programs.

Joseph Connell is a financial advisor at OSAIC with 10 years of industry experience. He holds the CFP® designation and the Series 66 license. Prior to joining OSAIC in 2021, he worked at CAPTRUST Financial Advisors and Strategic Advisor Group. Outside of his advisory work, Connell serves as treasurer for Touchstone Theatre, a nonprofit focused on underserved youth, and is a board member of the St. Anne Educational Endowment Fund. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and third-party platforms to manage portfolios across various asset classes.