Patrick Boran is a financial advisor with Ameriprise in Nazareth, PA, holding a Series 66 designation and 18 years of industry experience. His prior roles include positions at ESSA Bank & Trust and Cetera Investment Services LLC. Outside of his advisory work, he coaches the 2013 girls soccer team for Lehigh Valley United. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to generate tailored recommendation reports delivered through a centralized consulting team.

Nicole Monte is a Series 65-licensed financial advisor with Primerica Advisors, bringing 18 years of industry experience. She has been with Primerica Advisors since 2007 and also operates Joseph Michael Monte, LLC, an investment-related business. Outside of her advisory role, she is involved in referral activities for home security and automation products 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 limited discretionary separately managed accounts. The firm employs a curated third-party asset manager platform with a tiered wrap-fee structure and delegates trading responsibilities to BNY Mellon Advisors.

Roger Berger is a CFP® and ChFC® with 27 years of industry experience, currently advising through LPL Financial. His career includes roles at The Hershey Company and Nationwide Securities Inc., among others. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a variety of advisory programs, financial planning, retirement plan consulting, and brokerage services supported by both discretionary and non-discretionary management and access to multiple research and portfolio management resources.

James Dunn Jr. is a financial advisor at LPL Financial with 27 years of industry experience. He has worked at Linsco/Private Ledger Corp. since 2004. Dunn also operates a business under the name Dunn Wealth Management and has outside employment unrelated to investment advisory services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of advisers. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management with access to research and model portfolios from multiple sources.

Tamara Costa is a financial advisor at Fidelity with 14 years of industry experience. She holds a Series 66 designation and has worked at Fidelity brokerage Services LLC since 2018, as well as at The Law Office of James T. Elliott, LLC from 2014 to 2017. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable and registered investment companies. The firm uses a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and discretionary management.

Paola Gallego is a financial advisor with Morgan Stanley in Stroudsburg, PA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. Prior to joining Morgan Stanley in 2020, she worked at UBS Financial Services Inc. from 2013 to 2020. Outside of her advisory role, she is involved as a partner in Olimpico Real Estate LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm’s planning process utilizes structured tools and modeling techniques but generally acts in an advisory capacity without providing individual security recommendations as part of standalone planning.

Kurt Kowalski is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and five years of industry experience. Prior to joining Raymond James, he worked at Portnoy Schneck, LLC and operated his own law office for five years. He maintains his law license by meeting continuing education requirements, although he is not currently practicing. 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, and institutional organizations. The firm offers tailored, non-discretionary planning and utilizes analytical tools like risk profiling and probability modeling to support client goals.

Eric Wilson is a financial advisor with Primerica Advisors in Hackettstown, NJ, holding Series 63 and Series 65 licenses and eight years of industry experience. His work history includes roles at Primerica Financial Services, PFS Investments Inc., Darmstatter Inc., and Dynamic Engineering PC. Outside of advising, he serves as Vice President of WM. H. Wilson Enterprises, is Principal and President of Wilson Engineering PLLC, and manages SludgeHammerNJ, LLC. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-based investment strategies and a wrap-fee solution primarily for individual and high-net-worth clients. The firm curates third-party asset managers and oversees model implementation with a focus on percentage-based tiered fees.

Douglas Beaney is a financial advisor at OSAIC with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Investacorp, Inc. and Painewebber Incorporated. Beaney also engages in insurance sales through The Beaney Group, LLC. OSAIC Wealth, Inc. serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services. The firm utilizes asset-allocation tools, risk-tolerance assessments, and multiple advisory platforms to manage portfolios that include a range of investment types.

Matthew Birnbaum is a financial advisor at LPL Financial with 26 years of industry experience. He holds a Series 66 designation and previously worked at CUSO Financial Services, Lp for 12 years before joining LPL Financial in 2025. 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, financial planning, retirement plan consulting, and brokerage services, utilizing model portfolios and research from various sources.

Steven Lyons is a financial advisor at LPL Financial with 18 years of industry experience. He holds the Series 66 designation and has previously worked at Raymond James Financial and First Hope Wealth Management, where he continues to maintain involvement. 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, financial planning, retirement plan consulting, and brokerage services, utilizing research and model portfolios from both internal and third-party sources.

Robert Schubert is a financial advisor with LPL Financial in Wind Gap, PA, holding the PFS™ and Series 66 designations and bringing 22 years of industry experience. He previously worked at Woodbury Financial Services for six years before joining LPL Financial in 2019. Outside of his advisory role, he is involved in a music entertainment business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing various investment management approaches and technologies.

Edward Shevac is a financial advisor with LPL Financial in Hackettstown, NJ, holding Series 63 and Series 65 licenses and possessing 32 years of industry experience. He has been with LPL Financial and its predecessor firm since 1999, totaling 27 years at the company. 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 financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Harold Hagy is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 37 years of industry experience. He previously worked at Nationwide Insurance Company and Nationwide Securities, LLC for a combined 19 years before joining LPL Financial in 2017. Outside of his advisory role, he serves as an auditor for Hamilton Township, reviewing the local budget for accuracy. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management with support from in-house and third-party research.

Stacy Goerner is a financial advisor at RBC Capital Markets with 15 years of industry experience. She holds a Series 66 designation and previously worked at Merrill from 2009 to 2020 before joining RBC in 2020. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs and portfolio management services tailored to clients’ risk profiles, utilizing a mix of in-house and third-party investment managers and providing options such as tax-management and responsible investing.

Christopher Cleaver is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and one year of industry experience. Prior to his current role, he has a long tenure with Primerica Financial Services since 2002 and has worked at Uline, Inc. since 2008. He is involved in sales of investment-related products and part-time referrals of home security and automation products through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors and some corporate and charitable clients. The firm operates at scale with nearly 3,700 advisors and approximately $15.5 billion in assets under management, delivering advisory services through model-based investment strategies and outsourced portfolio management.

Sharon Starkes is a financial advisor at Morgan Stanley with a Series 66 designation and three years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2012. Outside of finance, she is involved as an owner and operator of a fast food business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and financial planning services to individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools.

Matthew Engelau is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 19 years of industry experience. He has been with LPL Financial since 2006. Outside of his advisory role, he serves on the Hackettstown Town Council and is actively involved in local governance. 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 broad range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management and various model portfolios supported by in-house and third-party research.

Kevin Donnelly is a financial advisor with Morgan Stanley in Allentown, PA, holding Series 63 and Series 65 designations and 17 years of industry experience. He worked at Merrill from 2007 to 2021 before joining Morgan Stanley in 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and scenario modeling.

Lisa Cardwell is a financial advisor with Morgan Stanley in Stroudsburg, PA, holding Series 63 and Series 65 licenses. She has 29 years of industry experience, including roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Outside of finance, she serves as an officer at D.A.C. Electric, Inc., a construction and engineering firm based in Pennsylvania. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm emphasizes tailored financial planning supported by structured discovery conversations and proprietary planning tools.