Joseph Checchio is a financial advisor at Cetera with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has a background that includes over 30 years with Avantax entities. Outside of advising, he is involved in public accounting and tax preparation through his own practice, which he has operated since 1982. Cetera Investment Advisers LLC serves a broad client base that includes individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management options and discretionary and non-discretionary services, supporting over 10,000 advisors and managing assets totaling over $256 billion.

Rodney Boylan is a financial advisor with Mass Mutual Investors Services in Moorestown, NJ, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously at MetLife Securities Inc for 11 years. Outside of his advisory work, Boylan is involved as a production manager for a nonprofit orchestra and also works as a DJ for parties and school events. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements using firm-approved software and offers event-driven planning programs alongside various asset management solutions.

Nicholas Gladden is a Financial Advisor at Merrill Lynch Wealth Management. He provides professional financial services within the wealth management sector. Nicholas holds a Bachelor's Degree from the University of New Haven. Further details about his experience, areas of expertise, or personal interests have not been provided.

Jennifer Cucinotta is a CFP® and ChFC® with seven years of industry experience. She is currently associated with LPL Financial and also maintains a role at Saline Stahl Wealth Management Group. Prior to this, she held positions at Next Financial Group, Express, and St. Joseph's University. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing various model portfolios and research, including strategic and tactical approaches.

Maxwell Gravenstine is a financial advisor with Morgan Stanley, holding a Series 66 designation and four years of industry experience. His career includes roles at Morgan Stanley Private Bank, N.A., and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management is a large, SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a wide range of advisory programs and tailored financial planning supported by a structured process and advanced modeling tools.

Susan Dougherty is a financial advisor with Cambridge Investment Research Advisors, holding the ChFC® designation and Series 66 license, and has 22 years of industry experience. She previously worked at Questar Capital Corporation and Questar Asset Management for 11 years before joining Cambridge in 2017. Outside of her advisory role, Dougherty serves as a volunteer collection counter at St. Mary of the Lakes Church. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, providing both proprietary and third-party strategies across various platform arrangements.

Douglas Pires is a financial advisor at UBS Financial Services with 20 years of industry experience. He has been with UBS since 2016 and holds Series 63 and Series 65 licenses. Outside of his advisory role, he serves as Co-Chair of the Penn Athletics Sports Board for Sprint Football. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment plans.

Mark Fleming is a financial advisor at Charles Schwab with 23 years of industry experience. He holds a Series 66 designation and previously worked at UBS Financial Services Inc. from 2008 to 2025. Outside of his advisory role, he offers notary services to family and friends at no cost. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and employs multi-asset model portfolios supported by research from its Schwab Center for Financial Research.

Gilbert Bovell is a financial advisor with Morgan Stanley in Mount Laurel, NJ, holding a Series 66 designation and 21 years of industry experience. His prior roles include positions at Bank of America and Merrill. Outside of his advisory work, he is the sole proprietor of Shine Your Light LLC, which provides mediation and holistic lifestyle coaching. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning that incorporates firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides a range of advisory programs tailored to diverse client needs.

Reynold Cicalese is a financial advisor with Cetera who holds PFS™ and Series 66 designations and has 26 years of industry experience. His career includes long tenures at Avantax Investment Services and 1st Global Advisors, as well as managing member roles in multiple consulting and financial services entities. Outside of his advisory role, he is involved in strategic branding and digital marketing through Alloy Edge LLC and serves as managing member of several business ventures. Cetera Investment Advisers LLC operates as a large multi-manager platform serving a wide range of clients, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diverse portfolio management options, financial planning, and access to third-party managers, supported by its extensive network of over 10,000 advisors and more than $256 billion in assets under management.

Brian Lipps is a CFP® and CFA® with 28 years of experience in financial advising. He has been with Edelman Financial Engines since 2013, including roles at its affiliated entities Financial Engines Advisors L.L.C. and EF Legacy Securities, LLC. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven modeling process combined with planner delivery and online tools, offering diversified portfolios, periodic rebalancing, and both discretionary and non-discretionary investment options.

Nathan Browning is a financial advisor with LPL Financial in Cherry Hill, NJ, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. He has been with LPL Financial since 2008. Outside of his advisory role, he is involved in non-variable insurance related to life, health, and disability. 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 range of advisory programs, retirement plan consulting, and brokerage services, employing both discretionary and non-discretionary management along with model portfolios and third-party research.

John Rearden is a CFP® certified financial advisor at Ameriprise with 28 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides retirement-income planning advice and written recommendation reports focused on dependable income and tax-aware withdrawal strategies.

Robert Lancaster is the Vice President, Wealth Planner at Fidelity Investments, a position he has held since 2018. He has been with Fidelity Investments since 2006, previously serving as Vice President, Financial Consultant from 2014 to 2018 and as a Financial Consultant from 2006 to 2013. Prior to joining Fidelity, he was Vice President, Branch Manager at TD Ameritrade from 2005 to 2006 and held the same position at Charles Schwab from 1991 to 2005. Throughout his career, Robert has focused on wealth planning and financial consulting, assisting clients in designing personalized financial plans. His commitment is to help clients create plans that work for them and their families both now and in the future. Outside of his professional responsibilities, Robert enjoys family activities, fitness, football, golf, movies, and traveling.

Candice Fobia is a financial advisor with Morgan Stanley who holds a Series 66 designation and has nine years of industry experience. She previously worked at Merrill for seven years before joining Morgan Stanley Smith Barney in 2022. Outside of her advisory role, she serves as a board member for St. Paul's Episcopal Church in Camden, New Jersey. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutions. The firm emphasizes tailored financial planning through structured discovery conversations and approved planning tools, managing approximately $2.74 trillion in client assets.

Timothy Gallagher is a Series 66-licensed financial advisor with UBS Financial Services in Mt. Laurel, NJ, where he has been practicing for 10 years within his 15 years of industry experience. Prior to joining UBS in 2016, his background details are not specified. Outside of his advisory role, he operates a sole proprietorship managing real estate-related activities. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, utilizing proprietary research and model-based asset allocations to tailor investment strategies.

George Marateo is a financial advisor at Morgan Stanley with 46 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its financial planning process.

Andrew Thornton is a Vice President and Financial Consultant at Fidelity Investments, where he works directly with clients to develop customized financial plans tailored to their individual goals and aspirations. He leverages Fidelity's extensive resources to support clients in building a stronger financial future and meets regularly with them to ensure their plans remain on track throughout their careers and retirement years. Andrew has over a decade of experience in the financial advisory field. Prior to joining Fidelity Investments in 2021, he served as a Financial Advisor at Raymond James from 2017 to 2021 and at Merrill Lynch from 2009 to 2017.

Richard Berman is a financial advisor with Morgan Stanley in Boca Raton, FL, holding a Series 63 designation and bringing 33 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm’s investment approach incorporates structured discovery and advanced planning tools, with a focus on advisory services rather than individual security recommendations in its standalone planning offerings.

Brandon Valentin is a financial advisor with UBS Financial Services holding a Series 66 designation and has been in the industry since 2022. Prior to joining UBS in 2024, he worked at Merrill Lynch and has experience in the financial sector as well as a brief tenure with the Philadelphia Eagles. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor financial plans and portfolio management.