Jill Frye is a financial advisor at Robert Baird & Co. with 25 years of industry experience. She holds the Series 63 and Series 66 designations and has previously worked at Morgan Stanley Smith Barney and Citigroup Global Markets. Outside of her advisory role, she is involved as a retail employee at a retail business. Robert Baird & Co.’s DDK Group serves individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations, offering financial planning, portfolio management, separately managed accounts, and brokerage services. The firm employs a combination of manager-traded and model-traded strategies, ongoing manager selection, and internal research tools, including artificial intelligence, to provide advisory services.

F. Marsh is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. Marsh has been with Cetera and its affiliates since 2013. Outside of advisory work, he serves as chairman of the endowment committee for Lutheran Campus Ministry in Greater Pittsburgh and is a council member overseeing finances at First English Evangelical Lutheran Church. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, operating a multi-manager platform with access to both affiliated and third-party managers and various program structures.

Beth Deklewa is a financial advisor with LPL Financial in Bridgeville, PA, holding Series 63 and Series 65 licenses and 18 years of industry experience. She has worked with LPL Financial since 2014. Deklewa is also a notary public, a role she assumed in 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, and charitable organizations. The firm provides a range of advisory programs, financial planning, and brokerage services through a national network of representatives, offering both discretionary and non-discretionary management with access to proprietary and third-party research and model portfolios.

Kevin Gallagher is a Certified Financial Planner (CFP®) with 41 years of industry experience. He has been with Stifel since 2007 and is based in Bethel Park, PA. Outside of his advisory role, he serves as an executor for a non-family estate. Stifel serves a broad range of clients, including individual and institutional investors, offering brokerage and advisory services supported by proprietary investment analysis and allocation methodologies.

Nicholas Blicha is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he focuses on understanding clients’ financial goals and priorities to develop tailored strategies that address short-, mid-, and long-term objectives. He provides guidance on a range of financial topics, including investing, retirement planning, and emergency savings. Additionally, he connects clients with Bank of America specialists for banking, credit, home financing, and small business solutions. Nicholas holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Robert Morris University. His approach centers on gaining a comprehensive understanding of each client’s financial picture to design personalized strategies that align with their priorities and vision for the future.

Kevin Rose is a CFP®-certified financial advisor with LPL Financial, based in Finleyville, PA, bringing 31 years of industry experience. He previously worked at Triad Advisors, Inc. for 17 years before joining LPL Financial and Rose Financial Group in 2023. Outside of advisory work, he is involved in tax preparation and holds a notary public commission in Pennsylvania. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, employing both discretionary and non-discretionary portfolio management supported by LPL Research and third-party subadvisors.

Randy Morris is a Vice President and Financial Consultant at Fidelity Investments. In his current role, he focuses on taking a holistic planning approach to understand his clients' vision for their assets and assists in developing customized financial plans that align with their risk profiles and lifestyles. He has been with Fidelity Investments since 2017, initially serving as a Financial Representative before transitioning to Investment Consultant and subsequently advancing to Vice President, Financial Consultant. Prior to his tenure at Fidelity, Randy worked as an Internal Wholesaler at Absolute Capital Management from 2015 to 2016.

Elliot Kistler is a financial advisor at Cetera with eight years of industry experience. He holds the Series 66 designation and has worked with DSF Wealth Management Group, Voya Financial Advisors, and Cetera Wealth Services, among others. He is also involved as a financial professional with DSF Wealth Management Group, a financial services firm. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a nationwide network of independent advisors and utilizes a multi-manager platform with various investment program options.

Stephen Patrick is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he serves as a trustee of a family trust and acts as an executor for his father's estate. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is guided by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Kevin Murphy is a financial advisor with Merrill, holding a Series 66 designation and two years of industry experience. Prior to joining Merrill in 2022, he worked at Petsmart for sixteen years. Merrill serves a broad range of clients including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, discretionary portfolio management, and brokerage execution services through a variety of program strategies and extensive manager selection overseen by the firm’s CIO and platform.

Matthew Prepelka is a financial advisor at Merrill with 35 years of industry experience. He holds Series 63 and Series 65 credentials. His prior work includes 12 years at UBS Financial Services Inc. Outside of his advisory role, he owns Two Brothers Holdings (Bucks and Bos Archery Shop) and Big Bow Outdoor Productions, a media production company, and serves on the board of Outdoor Immersion, a charitable organization managing a race event. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Deron Donalson is a financial advisor with Robert Baird & Co. who holds Series 63 and Series 65 credentials and has 33 years of industry experience. He has worked at Robert Baird & Co. since 2022 and previously held positions at Hefren Tillotson, Inc., PNC Wealth Management, and J.J.B. Hilliard, W.L. Lyons, LLC. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management department, which serves individuals, corporate clients, pensions, profit-sharing plans, and charitable organizations. The firm provides a range of financial planning and portfolio management services, including separately managed accounts, tax management, and direct indexing, supported by internal research and investment professionals.

Marc De Santis is a financial advisor at RBC Capital Markets with 16 years of industry experience. He has previously worked at Bank of America, Merrill, and City National Bank. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, corporations, and charitable organizations. The firm offers various advisory programs with tailored strategies implemented through a combination of in-house and third-party investment managers, providing discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services.

Xane Stock is a financial advisor at Fidelity with Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Fidelity, Xane worked at Cambridge Investment Research, Inc. and SagePoint Financial. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a systematic investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as an advisor for multiple registered investment companies and constructs model portfolios for Fidelity Institutional Wealth Adviser.

Bethany Mitcheltree is a financial advisor at Cetera with 23 years of industry experience. She holds Series 63 and Series 66 licenses and has worked with Cetera and its affiliates since 2019, following prior roles at Foresters Advisory Services and Foresters Financial Services. Cetera Investment Advisers LLC serves a wide 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 with more than 10,000 advisors and over $256 billion in assets under management.

Paul Contos Jr. is a CFP® certified financial advisor with 26 years of industry experience. He has been with LPL Financial since 2023, following a 19-year tenure at Citizens Investment Services Corp. He is based in Pittsburgh, PA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs including discretionary and non-discretionary management, supported by research and technology-driven solutions.

John Snyder is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has been with Cetera and its affiliate Cetera Wealth Services since 2013. Outside of advising, he is an author working on a book about timeless principles and modern challenges, and he serves as waterfront staff at a YMCA family camp. Cetera Investment Advisers LLC is a national SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, with access to affiliated and third-party managers across various program structures.

Jesse Garshak is a financial advisor at LPL Financial with 18 years of industry experience. He holds the Series 66 designation and has previously worked at Valic Financial Advisors and Agia. Outside of his advisory role, he owns Garshak Industries, LLC, a non-investment-related business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Janet Kirk is a financial advisor with RBC Capital Markets in Canonsburg, PA, holding Series 63 and Series 65 licenses and with 47 years of industry experience. She has worked at RBC Capital Markets since 2015 and is also affiliated with City National Bank since 2017. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers multiple advisory programs with discretionary and non-discretionary portfolio management, financial planning, and brokerage services, utilizing a mix of in-house and third-party investment managers and tailored strategies based on each client’s risk profile.

Keith Devine is a financial advisor at Merrill with two years of industry experience and holds a Series 66 designation. Prior to joining Merrill in 2022, he worked at Monaghan Tooling Group and has experience in education and early childhood services through roles at the University of Dayton, The Little Gym, and Peters Township School District. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.