Dylan Spadt is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 38 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he serves as an executor for his mother's estate in Bethlehem, PA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Bruce Hillegass is a financial advisor at Cetera with 21 years of industry experience. He holds the CFP® and Series 66 credentials and previously worked at Avantax Advisory Services and related firms for two decades. In addition to his advisory role, he serves as a member of the Tax Appeal Board for the Borough of Macungie and operates a CPA practice providing tax preparation and accounting services. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services across multiple program structures and custodial relationships.

Crystal Dye is a CFP® with 17 years of industry experience, currently working at Raymond James Financial Services Advisors, Inc. since 2009. She is based in Emmaus, PA, and also works as an associate at Evans Wealth Strategies, assisting with client support. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, and institutional investors, using tailored, non-discretionary planning and analytical tools.

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 holds Series 63 and Series 65 licenses and previously worked at Grove Point Advisors, LLC, Grove Point Investments, LLC, and Transamerica Financial Advisors. Outside of advisory work, he has an ongoing involvement with Transamerica Life Insurance Co. in a non-variable insurance capacity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a network of more than 22,800 advisors. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

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.

David Haight III is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 2009. Prior to joining Merrill Lynch, he spent two decades working in the nonprofit sector, gaining extensive experience supporting nonprofit organizations with endowments and planned giving. In his current role, David focuses on developing individualized financial strategies, assisting clients with areas such as education planning, family wealth management, legacy and philanthropic planning, and socially responsible investing. David's career began in nonprofit work, with roles ranging from camp counselor and environmental education program coordinator to various positions in higher education development and regional foundation work. His background includes service as a Regional Development Officer specializing in planned giving and endowment services to numerous organizations. Alongside his professional career, he has dedicated over thirty years to volunteer fire service, serving as Rescue Captain and currently as Fire Marshal for his community. He holds a bachelor's degree from Muhlenberg College in history and a master's degree in Nonprofit and Public Administration (M.P.A) from New York University. David is a CERTIFIED FINANCIAL PLANNER® and a Personal Investment Advisor (PIA). Outside of his professional commitments, he is involved with the Lower Macungie Fire Department and participates in activities such as biking, camping, hiking, spending time with his family, and traveling.

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.