Nicole O'Malley is a financial advisor with Morgan Stanley in Stroudsburg, PA, holding a Series 66 designation and bringing 16 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, she is involved in wellness and natural health through her sole proprietorship, Nikki O'Malley Empowered Wellness Solutions, which focuses on Kambo and natural products. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and firm-approved processes to support its financial advisors.

Luis Ponce is a financial advisor at LPL Financial with 41 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Edward Jones, The Prudential Insurance Company of America, and Pruco Securities, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research and model portfolios.

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.

Joseph Reed is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. He previously worked at 1st Global Advisors, Inc. and 1st Global Capital Corp for nine years and has been affiliated with Caristia, Kulsar & Wade LLC since 1996. Reed is a partner in CKW Advisors, LLC, a CPA affiliate program. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, with both discretionary and non-discretionary management supported by research from in-house and third-party sources.

Joseph Johnston Jr. is a financial advisor at J.P. Morgan Securities with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities since 2012, also serving at JPMorgan Chase Bank, NA since 2006. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with affiliated brokerage and investment management capabilities.

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.

Frank Korszoloski IV is a CFP® professional with 27 years of experience in the financial industry, currently serving at LPL Financial since 1998. Based in Newton, NJ, he holds Series 63 and Series 65 licenses. Outside of his advisory role, he works as a stationary engineer with Local 68 Operating Engineers. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research from LPL Research and third-party subadvisors.

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.

Fred Kessler III is a Series 66-licensed financial advisor at Edward Jones with eight years of industry experience. He worked at AIG from 2007 to 2017 before joining Edward Jones in 2017. Outside of his advisory role, he umpires for the North Warren Little League in Blairstown, NJ. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies supported by a large network of financial advisors and branch offices nationwide.

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.

Surabhi Sharma is a financial advisor with Primerica Advisors holding Series 65 and Series 63 licenses and has three years of industry experience. Prior to her current role, she worked in the healthcare and pharmaceutical sectors, including positions at John Theurer Cancer Center and multiple pharmaceutical companies. She also engages in part-time sales of home security and automation products through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable entities. The firm uses model-driven investment strategies managed by unaffiliated asset managers and supports client accounts with custodial and trade execution services from Pershing and BNY Mellon Advisors.

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.

Ethan Hundley is a financial advisor at OSAIC with 28 years of industry experience. He holds a Series 63 designation and has previously worked at Ic Advisory Services Inc, The Investment Center Inc, and H.D. Vest Investment Services. Beyond his advisory role, Hundley is involved in health and wellness product distribution, insurance sales, and serves as president of the Small Business Wellness Foundation, a nonprofit focused on supporting small businesses through education and grants. OSAIC serves a diverse client base including individual, high-net-worth, pension, and institutional investors through a large network of advisors. The firm offers integrated brokerage and advisory services with portfolio construction tools and supports a range of account management options and third-party solutions.

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.

Edwin Kulawiak II is a financial advisor at Cetera with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Cetera and related entities since 2001. In addition to his advisory role, he owns and operates a tax practice, Nerenberg & Kulawiak, Inc., where he provides income tax preparation, business bookkeeping, payroll preparation, and tax and business consulting services. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and consulting services, utilizing a multi-manager platform with various program options and affiliations supporting its scale and product offerings.

David Xi is a financial advisor with MassMutual Investors Services and holds a Series 63 designation. He has 25 years of industry experience, including prior roles at Summit Financial, LLC, Purshe Kaplan Sterling Investments, and Summit Equities, Inc. In addition to his advisory work, he is involved in outside insurance sales and owns Bethel Wealth Guardians LLC, which markets MassMutual and affiliated products. MassMutual Investors Services is a subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, ongoing planning relationships and offers a variety of programs, including estate settlement and employer-sponsored planning.