Alexander Kline is a CFP® with over 41 years of experience in the financial services industry. He is currently affiliated with Duncan Financial Planning Advisors and Cambridge Investment Research Advisors. Outside of his advisory role, Kline serves as a committee member and volunteer at Animal Friends in Pittsburgh, PA. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals, utilizing a range of portfolio management solutions and proprietary model strategies.

Daniel Chittock is a financial advisor at Edward Jones with 8 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with Edward Jones since 2019. Prior to that, he was employed at NYLIFE Securities LLC and New York Life Insurance Company for one year each. He also served at Bethesda Baptist Church for 23 years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, managing approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

Mirko Loncar is a financial advisor at Raymond James Financial with four years of industry experience. He holds the Series 66 designation and has worked at Raymond James Financial since 2018, including his current role at Rivertowne Advisors, LLC. Outside of advising, he is a partner in a start-up business, Dives Terram LLC, which has previously engaged in property rental activities. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base, including individual and high-net-worth investors, pension and profit-sharing plans, charitable organizations, and state and municipal government entities. The firm offers tailored, non-discretionary advisory services and specialized programs for small businesses and institutional clients.

Aimee Flatley is a financial advisor at Charles Schwab with six years of industry experience. She holds Series 63 and Series 65 licenses and has worked at several firms including Citizens Securities, Key Investment Services, LPL Financial, and The Huntington Investment Company. Charles Schwab & Co., Inc. 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 offers a combination of non-discretionary and discretionary investment solutions supported by multi-asset model portfolios and a centralized operational structure.

Ardene Effatt is a financial advisor with Ameriprise in Pittsburgh, PA, holding a Series 66 designation and 23 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, delivering tailored recommendation reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its advisory approach and provides a broad range of advisory, brokerage, and insurance solutions.

Adam Davidson is a financial advisor with Robert Baird & Co. and holds the CFP® designation, along with Series 63 and Series 65 licenses. He has 27 years of industry experience, including nearly three decades at Hefren-Tillotson, Inc. and four years with Robert Baird & Co. The DDK Group, part of Robert W. Baird & Co.’s Private Wealth Management department, serves individuals, corporate clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of financial planning, portfolio management, and brokerage services supported by internal research, manager selection, and strategic partnerships.

Jonathon Wilson is a financial advisor at Osaic Wealth, Inc. based in Sewickley, PA. He holds a Series 66 designation and has one year of industry experience. His prior work includes positions at Kent State University and the University of Pittsburgh. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and nonprofits. The firm provides integrated brokerage and advisory services, employing asset-allocation tools, risk assessments, and automated rebalancing across a broad range of investment options.

Anthony Delahan is a Series 66-licensed financial advisor with Merrill, based in Cranberry Township, PA, and has one year of industry experience. His work history includes roles at Merrill since 2021 and Bank of America, N.A. since 2025, along with prior experience outside the financial industry, including service in the U.S. Army. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, and other institutional clients. The firm is integrated with Bank of America’s broader platform, enabling access to a wide variety of products and services.

Justin Simakas is a financial advisor at Morgan Stanley in Sewickley, PA, holding a Series 66 license. He has prior work experience at Jones Lang LaSalle and Indiana University - Bloomington. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Melissa Gutherie is a Series 66-credentialed financial advisor at Merrill with 10 years of industry experience. She has worked at Merrill since 2021 and previously held roles at PNC Investments from 2015 to 2021. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Kathryn Williams is a financial advisor with Morgan Stanley in Sewickley, PA, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. She previously worked at PNC Investments for seven years before joining Morgan Stanley in 2025. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

James Galitsis is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley Private Bank for over eight years. 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 options. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Gary Merge is a CFP® credentialed financial advisor with Raymond James Financial in Allison Park, PA, bringing 37 years of industry experience. His prior roles include positions at Vissman Management LLC and Kline, Keppel, Koryak, Pc, alongside his long-term involvement with Merge & Associates, Inc., where he serves as owner. He is a board member of Avalotis Corporation, advising on business decisions and strategy. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, corporations, and municipal entities. The firm provides financial planning and non-discretionary investment consulting, emphasizing tailored plans developed through detailed client interviews and firm research, with a distinctive focus on advisory and implementation-support services.

Eric Hansen is a financial advisor with Raymond James Financial Services Advisors, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has worked with Raymond James since 2013 and owns several business ventures including Covenant Financial Advisors and Covenant Annuity and Insurance, where he focuses on fixed annuities and life insurance through local fraternal organizations. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individuals, high-net-worth investors, pension and profit-sharing plans, charitable organizations, and government entities, offering tailored, non-discretionary advice and specialized programs such as the SIMPLE IRA Employer Advisory & Consulting Services for small businesses.

Brian Spencer is a financial advisor with Merrill in Sewickley, PA, holding Series 65 and Series 66 designations and bringing 25 years of industry experience. He has been with Merrill Lynch since 2002. Merrill 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 to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Kristopher Rhodes is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His prior roles include positions at Wells Fargo, Indiana University of Pennsylvania, and Oak View Group, LLC. Rhodes has also been involved with the Kovalchick Convention and Athletic Complex. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm combines proprietary research with quantitative analysis and algorithmic portfolio construction, and it plays a formal advisory role to multiple registered investment companies and fund‑of‑funds.

Matthew Lawrence is a financial advisor at Wells Fargo Clearing with 33 years of industry experience. He holds Series 63 and Series 66 designations and has worked previously at City National Bank and RBC Capital Markets. Outside of his advisory role, he serves as a board member of the Hiawatha Sportsmans Club HOA in Engadine, Michigan. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven, grounded in modern portfolio theory, and includes a broad range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Vickie Bobchak is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 credentials and bringing 36 years of industry experience. She has been with Raymond James & Associates since 2014. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also offers wrap fee advisory programs and institutional consulting, with a particular focus on public finance and municipal services.

Lisa Brooks is a CFP® with 25 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. She previously worked at Ameriprise Financial Services, Inc. for 20 years. Outside of her advisory role, Brooks co-owns A.B. Strategic Partners, LLC, and serves as Fundraising and Social Media Chair on the Board of Directors for the North Catholic Girls Volleyball Boosters. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary recommendations, supported by a centralized consulting team and a broad range of advisory, brokerage, and insurance solutions.

Toni Sacco is a Wealth Management Advisor and First Vice President with the Larsen Group at Merrill Lynch Wealth Management in Sewickley, Pennsylvania. She has been with Merrill since 2001, beginning her career as a Registered Client Associate before becoming a financial advisor. Toni specializes in assisting high-net-worth individuals, families, business owners, and corporate executives with a wide range of financial strategies, including college education planning, divorce transition planning, executive compensation, equity compensation services, family wealth management strategies, managing new wealth, personal retirement planning, and socially responsible investing. She has particular expertise in working with women business owners and clients experiencing significant life transitions such as marriage, divorce, retirement, or loss of a loved one. Toni holds a Bachelor's degree in Finance from Robert Morris University. She is a CERTIFIED FINANCIAL PLANNER4 certificant, a Certified Divorce Financial Analyst4, and holds the Chartered Retirement Planning Counselor4 designation. She is affiliated with several professional organizations, including the Association of Divorce Financial Planners, Financial Planning Association, Institute for Divorce Financial Analysts, and the International Academy of Collaborative Professionals. Toni's client service approach emphasizes a disciplined wealth management process that evolves with clients' changing lives and priorities. She is known for providing clear explanations of strategies to help clients become informed and confident stewards of their wealth. Originally from Pittsburgh, Toni remains active in her community through volunteer work with organizations such as the Junior League of Pittsburgh and the Make-A-Wish Foundation. She has been recognized by the Junior League of Pittsburgh as Junior Leaguer of the Year in 2020. Outside of work, Toni enjoys gardening, genealogy, reading, running marathons, and spending time with her family and her dogs, Reggie and Maxwell.