Andrew Sollenberger is a CFP® professional with 27 years of industry experience, currently serving at OSAIC since 2023. He previously worked at SagePoint Financial, Inc. for 14 years. Outside of advisory work, he is president of Xcel Financial Group, a sole proprietorship offering tax and insurance services. Osaic Wealth serves a broad mix of retail and institutional clients, providing brokerage and advisory services through a multi-advisor platform. The firm’s investment process emphasizes model-based asset allocation and portfolio optimization, offering various managed account programs and retirement plan consulting.

Holly Holmes is a Series 66 licensed financial advisor with Merrill, based in Allentown, PA, and has 20 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2005. Holmes serves as a director of the Heather Baker Foundation, a charitable organization that raises funds for families affected by cancer. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Mary Jo Webb is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 designations and bringing 11 years of industry experience. She has worked at Primerica Advisors since 2022 and previously operated Mary Jo Webb CPA for 13 years. In addition to her advisory role, she owns Quakertown Tax Services, offering tax and bookkeeping services. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm delivers advisory services primarily through model recommendations created by unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Nathan Kistler is a financial advisor with LPL Financial in Bethlehem, PA, holding Series 63 and Series 65 licenses and having 20 years of industry experience. His prior work includes roles at Santander Securities, Santander Bank, Cuso Financial Services, and Citizens Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services with access to model portfolios, third-party asset management, and institutional platforms, supported by extensive operational tools.

Justin Pattishall is a financial advisor with Mass Mutual Investors Services in Allentown, PA, holding Series 63 and Series 66 licenses and having 22 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and has been associated with MetLife Securities and METLIFE since 2003. Pattishall is also the managing member of Pattishall Wealth Partners, LLC, an investment advisory firm. Mass Mutual 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, providing collaborative, annual financial planning engagements using firm-approved software without discretionary investment authority.

Paul Febbo is a financial professional with 11 years of industry experience, currently affiliated with Cetera. He holds a Series 66 designation and operates a separate financial services business, Febbo Wealth Management, LLC. Additionally, he owns a small video game project pursued as a hobby. Cetera Investment Advisers LLC serves a broad client base, including individual, corporate, and institutional clients, offering a range of portfolio management and financial planning services through a multi-manager platform.

Andrew Guman is a financial advisor at Morgan Stanley in Allentown, PA, with 19 years of industry experience. He holds a Series 63 designation and previously worked at UBS Securities for seven years before joining Morgan Stanley Private Bank, N.A. in 2021. Outside of his advisory role, he serves on the advisory board of St Thomas More Parish Council, a community organization in Allentown. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and specialized estate planning groups.

Jonathan Ruch is a financial advisor at Morgan Stanley with 16 years of industry experience. He has held roles at Morgan Stanley since 2018 and previously worked at Wells Fargo Clearing from 2016 to 2018. He holds the Series 63 and Series 65 credentials. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process that incorporates firm-approved tools and modeling techniques.

James Serratelli is a financial advisor with Ameriprise Financial Services LLC, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. His prior roles include positions at DFPG Investments, Inc., Questar Asset Management, Questar Capital Corporation, and Robertson Serratelli Financial Group. He is also a co-owner of JMH Ventures, LLC. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver annual written recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities typical of a large institutional firm.

Daryl Peregrin is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and totaling 21 years of industry experience. He previously worked at PNC Wealth Management for five years before joining Wells Fargo in 2016. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap‑fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets through more than 14,000 financial advisors, providing both brokerage and advisory solutions.

Kenneth Gallagher Sr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and with 33 years of industry experience. He has been associated with Linsco / Private Ledger Corp., now part of LPL Financial, since 1999. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset management, and supports advisors with both strategic and tactical investment options.

Paul Curcio II is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms including Santander Securities, Santander Bank, and Citizens Bank. 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 grounded in modern portfolio theory. The firm’s approach includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Troy Scozzafava is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and has one year of industry experience. His prior roles include positions at GVA Wealth Management and 1847 Financial, as well as experience outside finance with Nature Valley Landscaping. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm employs firm-approved software and structured planning engagements to deliver written recommendations, generally without investment discretion.

Andrew Polony is a financial advisor with Equitable Advisors in Bethlehem, PA, holding Series 63 and Series 65 licenses and having 13 years of industry experience. He has worked at Equitable Advisors and its predecessor Axa Advisors LLC since 2013. Polony operates a wealth management business under the name The Rockland Group. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, plans, corporations, and institutions. The firm utilizes a network of Investment Adviser Representatives and offers access to a variety of advisory programs and third-party asset managers.

Anthony Sarko is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley Private Bank since 2015, as well as with Morgan Stanley Smith Barney and Citigroup Global Markets since 2009. Sarko is involved in managing rental property investments outside of his advisory role. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies.

Susan Kershner is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and at Wachovia Bank, N.A. since 2002. Outside of her advisory role, she serves as the financial secretary for the Allentown Swimming & Boating Club. 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 utilizes research and analytics informed by diversification principles and modern portfolio theory.

Sondrine Gutierrez is a Series 66-licensed financial advisor at Morgan Stanley with 11 years of industry experience. She has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2015. Outside of her advisory role, she coaches the girls' basketball team at Wilson Area School District. Morgan Stanley Wealth Management is a large institution serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Joseph Ayers is a financial advisor at Mass Mutual Investors Services with seven years of industry experience. He holds Series 63 and Series 65 licenses and has been with Mass Mutual Investors Services and MassMutual Life Insurance Co since 2017. Prior to his financial services career, he attended Susquehanna University. Outside of advising, he works as an insurance agent specializing in life and health insurance. 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 offers financial planning, asset management, and educational seminars, focusing on collaborative annual planning engagements with clients.

Olivia Ackerman is a Series 66-licensed financial advisor at Fidelity with two years of industry experience. Her prior roles include positions at USHealth Advisors and Juice Press LLC. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients. The firm utilizes a combination of proprietary fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs, and holds a unique regulatory standing as both a commodity pool operator and advisor to multiple registered investment companies.

Forrest Obrien is a financial advisor with Cambridge Investment Research Advisors who holds a Series 63 designation and has 35 years of industry experience. He has worked at Cambridge Investment Research Advisors since 2026 and previously spent nine years at Commonwealth Financial Network. Additionally, he owns Financial Sources, Inc., a private entity involved in securities and insurance business. Cambridge Investment Research Advisors serves a diverse client base including individual and institutional investors such as pension and charitable organizations. The firm provides financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of Financial Professionals and offers a range of proprietary and third-party investment platforms.