Gary Merge is a CFP® professional with 37 years of industry experience, currently affiliated with Raymond James Financial. He has held roles at several firms including Merge & Associates, Inc., which he owns and operates, and has been involved with Kline, Keppel, Koryak, Pc since 2012. Outside of his advisory work, he serves on the advisory board of Avalotis Corporation. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary planning using risk profiling and modeling tools, and supports municipal finance through a unique affiliation with a municipal advisor.

Steven Wagner is a financial advisor with Cetera, holding a Series 66 designation and one year of industry experience. He has worked at Cetera since 2025 and is also associated with Bray Farm Income Advisory LLC, where he provides administrative support to the principal investment adviser. Prior to his financial advisory roles, Steven held positions at various organizations including the City of New York Office of Management and Budget and Columbia University. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform with access to both affiliated and third-party investment managers.

Daniel Riley is a CFP®-certified financial advisor with 14 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2018, following roles at PNC Investments and PNC Bank from 2013 to 2018. Stifel serves a wide array of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group. The firm provides fee-based financial planning and model allocations intended to inform client decisions while allowing clients discretion over implementation.

Paul Mcbeth III is a financial professional with 31 years of industry experience, currently affiliated with Cetera. He holds Series 63 and Series 65 credentials and has worked at Cetera and its affiliated entities since 2020. He is also a partner at Lewis, McBeth & D'Ambrosio, a firm involved in expense management, a role he has held since 1995. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform that supports discretionary and non-discretionary authorities and multiple program structures.

Robert Barmen is a financial advisor at Wells Fargo Clearing with 29 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Morgan Stanley Private Bank, N.A. from 2016 to 2023. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party analytics.

Ryan Kramer is a financial advisor at Thrivent Investment Management with two years of industry experience. He holds a Series 66 designation and previously worked at Cardinal Management Group and The University of Alabama. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm focuses on holistic, goal-based planning and allows clients to combine planning services with managed accounts under a consolidated billing option called “WealthPlan,” while keeping these services separate.

Kristine Gutkowski is a financial advisor at Merrill with 29 years of industry experience. She holds Series 63 and Series 66 designations and has been with Merrill since 1984, including her current role at Bank of America since 2022. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jared Dykes is a financial professional with 16 years of industry experience, currently affiliated with Cetera. He holds Series 63 and Series 65 designations and has worked at notable firms including Avantax and LPL Financial. He is also involved with CEC Financial Group. Cetera Investment Advisers LLC serves individual and institutional clients through a large network of independent advisors, offering a range of portfolio management and financial planning services across multiple program structures and custodial relationships.

Mary Ann Ernette is a financial advisor with LPL Financial in Pittsburgh, PA, holding Series 63 and Series 65 designations and bringing 24 years of industry experience. She previously worked at IC Advisory Services Inc and The Investment Center Inc, each for six years, and has been involved with the AVS Foundation since 2012. Ernette is also engaged with The Eamon Foundation outside of her advisory work. LPL Financial serves a broad client base including individuals, retirement plans, banks, and charitable organizations, offering a range of advisory programs, financial planning, and brokerage services through a national network of investment adviser representatives.

Matthew Smallidge is a financial advisor with J.P. Morgan Securities in Monroeville, PA, holding Series 63 and Series 65 licenses and seven years of industry experience. His prior work includes roles at Cincinnati Life Insurance Company, GBU Financial Life, Royal Alliance, and Citizens Bank. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

Justin Wegley is a financial advisor with LPL Financial, holding a Series 63 designation and five years of industry experience. Prior to joining LPL Financial, he worked at Trustmont Financial Group and Bayer US LLC. In addition to his advisory role, he is involved with Puzak Wegley Tax Services, a tax preparation and accounting service. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Michael Franklin is a financial advisor at OSAIC with 38 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at OSAIC since 2023. Prior to joining OSAIC, he spent 14 years at Sagepoint Financial, Inc., and has been president of Patrick Financial Co., Inc. since 1996, where he continues to manage fixed insurance with various carriers. Osaic Wealth, Inc. serves a diverse client base including individual investors, pension and profit-sharing plans, corporations, and charitable organizations through a wide network of affiliated advisers and advisory platforms. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and third-party managers to offer portfolios including stocks, bonds, mutual funds, ETFs, and alternative investments.

Lisa Lucas is a financial advisor at UBS Financial Services in Pittsburgh, PA, holding Series 63 and Series 65 licenses with 23 years of industry experience. She has worked at UBS Financial Services since 2016 and was previously with Morgan Stanley Smith Barney from 2009 to 2016. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, portfolio management, and access to proprietary research to tailor strategies based on clients’ goals and risk tolerances.

Craig Cacini is a CFP®-credentialed financial advisor with 12 years of industry experience. He currently works at Raymond James & Associates and has previously been with Wells Fargo Clearing and Wells Fargo Advisors. Outside of advising, he is the owner and CEO of Beautiful Green Enterprises, LLC, a company involved in the acquisition and renovation of residential real estate properties. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and municipal advisory services supported by a nationwide adviser force and a range of portfolio management styles.

Vincent Strangio is a financial advisor with Merrill in Pittsburgh, PA, holding Series 63 and Series 66 credentials and 16 years of industry experience. He previously worked at PNC Private Bank for eight years before joining Merrill in 2024. Outside of finance, he receives royalties from the use of his photographs. Merrill, along 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 to individuals, high-net-worth clients, and institutional investors.

Michael Foster is a financial advisor with J.P. Morgan Securities in Pittsburgh, PA, holding Series 63, 65, and 66 credentials and 14 years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank in 2019, he worked for The Bank of New York Mellon Corp for 16 years. Outside of his advisory role, he co-manages a private investment partnership with his wife. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to guide fund and strategy recommendations.

Kelly Perney is a financial advisor with Osaic Wealth, Inc. based in New Alexandria, PA. She holds the Series 66 designation and has eight years of industry experience. Her prior roles include positions at Mosaic Wealth Consulting, Indiana First Savings Bank, and First Commonwealth Bank. Outside of her advisory work, she is a notary public. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, and access to third-party money managers, utilizing various tools and strategies to construct portfolios tailored to client needs.

David Oblock is a Series 63–licensed financial advisor with Cambridge Investment Research Advisors, where he has worked since 2012. He has 40 years of industry experience and has held various leadership roles in non-public entities. Outside of finance, he has been a professional musician since 1978. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, and charitable organizations. It offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing both proprietary and third-party investment strategies across multiple platform arrangements.

Kyle Wagner is a financial advisor at Merrill with Series 63 and Series 65 licenses and two years of industry experience. He has held roles at Merrill since 2022 and previously worked at Bank of America, Luttner Financial Group, and KeyBank. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Donald Edmunds is a financial advisor with Edelman Financial Engines in Pittsburgh, PA, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. His prior roles include positions at Mariner Wealth Advisors and Wilshire Associates, as well as experience with Air Star Trans & Limousine Service Inc. and the US Postal Service. He also served The Avalo Foundation, Inc. for six years. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients, managing both model-based and customized portfolios. The firm serves a large client base through advisor-led and online offerings and operates a mix of discretionary and non-discretionary programs overseen by a firm Investment Committee.