Joel Spangler is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing decades of experience in the financial services industry. He began his career in 1990 with Prudential, followed by roles at Lehman Brothers in Manhattan, Merrill Lynch, and Morgan Stanley, before returning to Merrill in 2016. Joel focuses on retirement and personalized investment planning for individuals and families, as well as providing business and institutional advice in cash management, retirement plans, and business lending services. Joel holds the CERTIFIED FINANCIAL PLANNER® designation from the Certified Financial Planner Board of Standards, Inc., the Chartered Retirement Plans Specialist™ designation, and is recognized as a Personal Investment Advisor. He earned a Bachelor of Science degree in Finance from The Pennsylvania State University and an MBA in Finance from New York University’s Stern School of Business. In addition to his advisor role, Joel serves as an adjunct professor at Temple University’s Fox Business School, teaching Financial Planning in the MBA program. Outside of his professional commitments, Joel enjoys spending time with his family, including his wife Lisa and their two sons. He is active in outdoor pursuits such as golfing, hiking, racquetball, and scuba diving, often organizing family vacations centered around these activities.

Mark Evans is a financial advisor with RBC Capital Markets in Mount Laurel, NJ, holding Series 63 and Series 65 licenses and 32 years of industry experience. He has been with RBC Capital Markets since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs and customizable portfolio management strategies utilizing both in-house and third-party managers.

Achu Akum is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and 17 years of industry experience. His prior roles include positions at UBS Financial Services and TIAA-Cred Individual & Institutional Services. He is also the principal owner of RenGen Consulting LLC, where he provides strategic consulting services to businesses and organizations. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative, annual financial planning engagements supported by proprietary software and educational seminars.

Lulu Zappy is a financial advisor at UBS Financial Services with 15 years of industry experience. She has been with UBS since 2016 and holds Series 63 and Series 65 licenses. Outside of her advisory role, she owns and manages a rental townhome. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, offering financial planning, portfolio management, and access to institutional trading capabilities alongside wealth management.

William Sabia is a financial advisor at Morgan Stanley with Series 63 and Series 65 credentials and 32 years of industry experience. He has held positions at Merrill and Bank of America, N.A. before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services through Financial Advisors and its Estate Planning Strategies Group.

Jen Parsons is a financial advisor at Merrill with 21 years of industry experience. She holds Series 63 and Series 66 designations and has worked at both Merrill and Bank of America since 2007 and 2009, respectively. She has also participated in a one-time survey for CHOP in Philadelphia. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, and corporate fiduciaries.

Daniel Meehan is a Series 66-licensed financial advisor with UBS Financial Services, based in Mt. Laurel, NJ, and has 19 years of industry experience. He has been with UBS since 2012. Outside of his advisory role, he is a partner at CDJ Partners LLC, where he is involved in creating and patenting a new delivery system for non-alcoholic and alcoholic beverages. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, using proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, including principal trading, market-making, and affiliated banking and lending programs.

Phineas Meade is a financial advisor with Morgan Stanley, holding a Series 66 designation and 19 years of industry experience. He has been associated with Morgan Stanley Smith Barney and its related entities since 2009 and currently works at Morgan Stanley Private Bank, N.A. Meade is involved in real estate activities outside of his advisory role. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by proprietary tools and serves clients through a variety of investment programs and strategies.

Thomas Olszak is a financial advisor at Wells Fargo Clearing with 45 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Wells Fargo Clearing since 2016, following a seven-year tenure at Wells Fargo Advisors LLC. 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. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related investment options and bank deposit sweep programs among its offerings.

Hector Brown is a financial advisor with Primerica Advisors in Mt Holly, NJ, holding Series 63 and Series 65 licenses and having five years of industry experience. He has been with Primerica Advisors since 2020 and previously worked at Inrage Solutions LLC from 2014 to 2020. In addition to his advisory role, Brown receives non-investment related compensation for referrals of home security, automation products, and other home-related services through affiliates of Primerica. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses an operational model based on tiered wrap fees and independent due diligence.

Scott Jones is a financial advisor at OSAIC with 23 years of industry experience. He holds a Series 66 designation and has previously worked at firms including Securities America and Investacorp Advisory Services. Jones is the founder of Genesis Wealth Advisor Group, LLC, through which he markets fixed insurance products and manages client investment accounts. He is also president of Jones Wealth Management Inc., a financial corporation handling payroll and revenue processing related to his advisory and insurance businesses. OSAIC serves a broad mix of retail and institutional clients, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm uses a variety of asset-allocation tools and manages diverse portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Kyle Michalski is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation. He has been with MassMutual and its affiliated entities since 2024 and has prior experience in fitness and wellness-related roles, as well as positions in the food service industry and education. Outside of his advisory work, he has been involved with Funatics Fitness. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm utilizes firm-approved software and collaborative planning processes to provide written recommendations, with optional implementation services through brokerage or insurance arrangements.

Christopher Doyle is a Senior Financial Advisor with The Martinides Group at Merrill Lynch Wealth Management. He brings 12 years of industry experience to his role, combining expertise in complex trading strategies with leadership and supervision skills. He supports clients in areas including college education planning, employee benefits, executive compensation, retirement planning, legacy planning, philanthropic planning, and portfolio management services. Chris holds a Bachelor's Degree in Finance from the University of Connecticut's School of Business. He has held various roles at Merrill Lynch, including Financial Advisor and Premium Elite Relationship Manager specializing in Ultra High Net Worth Self-Directed Traders. He has also served in leadership positions, leading teams of early career advisors and participating in executive leadership for the Greater Philadelphia Market. Outside of his professional responsibilities, Chris enjoys adventure sports such as surfing and skiing, as well as golfing, traveling, and spending time with family. He is active in his community, supporting organizations including the Children's Hospital of Philadelphia and Waves of Strength.

Michael Halliday is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has worked at both Merrill and Bank of America, N.A. since 2014 and 2015 respectively. 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. The firm is integrated into Bank of America’s broader platform, providing access to a wide array of financial products and services.

Janine Tanker is a financial advisor at Morgan Stanley with 14 years of industry experience. She holds the Series 66 designation and has previously worked at UBS Financial Services and Lincoln Financial Advisors Corporation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to both individual and institutional clients, providing tailored financial planning supported by firm-approved tools and methodologies.

Christopher Carrozza is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. His prior roles include positions at Agia and Valic Financial Advisors. He also works as an independent agent for outside fixed insurance and serves as power of attorney for his spouse. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement-plan support, and access to asset management through various third-party managers. The firm uses a hybrid referral and implementation model, combining advisory and brokerage/insurance channels to deliver tailored services based on client goals and risk tolerance.

Lloyd Zitomer is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

James Hoff is a Wealth Management Advisor and Merrill Resident Director who works with founders, family-led businesses, and entrepreneurs, typically those with $20 million or more in revenue, to navigate their business exit strategies. Leveraging resources from Merrill, Bank of America, and external networks, he provides coordinated planning services including minimizing tax liabilities on sale proceeds, investment banking, deal structuring, buyer sourcing, and advanced estate and trust planning. With experience growing up in a family business, James understands the challenges business owners face when planning their exits. He focuses on helping clients avoid leaving money on the table and preventing unexpected tax bills by advising on personal planning for an actively wealthy life post-exit. His expertise extends to areas such as divorce transition planning, family wealth management, philanthropic planning, portfolio management, small business strategies, and tax minimization. James holds a Bachelor's Degree from the University of Tampa and maintains professional designations including Certified Exit Planning Advisor (CEPA), CERTIFIED FINANCIAL PLANNER (CFP), and Personal Investment Advisor (PIA). He engages with his community through volunteer work and enjoys personal interests such as baseball, basketball, chess, football, golfing, pickleball, reading, spending time with family, surfing, and traveling.

Bryan Pitman is a financial advisor at Morgan Stanley in Mount Laurel, NJ, holding a Series 66 designation with 12 years of industry experience. He has been with Morgan Stanley since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning services, managing approximately $2.74 trillion in client assets.

Marc Pacella is a financial advisor with LPL Financial, holding a Series 66 designation and seven years of industry experience. Prior to joining LPL Financial in 2025, he worked at Merrill, Bank of America, City National Bank, and RBC Capital Markets. Outside of his advisory role, he is a business owner of MJA Brands. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by model portfolios, third-party research, and various investment strategies.