Michael Amato is a CFP® and PFS™ with 34 years of experience in financial services. He currently works at Cetera and has held previous positions at Avantax Advisory Services and Avantax Investment Services. In addition to his advisory role, Amato is president of Independent Tax & Financial Planners, P.C., where he provides tax preparation and accounting services, and serves as a fiduciary trustee. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services delivered through a nationwide network of independent advisors.

Joseph Persiano is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he focuses on helping clients develop personalized strategies to pursue their financial goals across various time horizons. He serves as a resource for general investing, retirement planning, and preparing for unexpected financial needs. Joseph also provides access to specialists in banking, credit, home financing, and small business solutions through Bank of America. Joseph's approach emphasizes understanding what clients value most to tailor financial strategies accordingly. He works directly with clients to develop plans aligned with their aspirations, leveraging the global investing resources available through Merrill along with Bank of America's credit, lending, and banking services. He holds a Bachelor's Degree from Temple University and is a Personal Investment Advisor (PIA).

Natalja Barnett is a Senior Financial Advisor with Merrill Lynch Wealth Management. She brings a diverse professional background that includes seven years as a lawyer at a Latvian-Swedish manufacturing company and more than a decade in financial reporting and management at BNY Mellon. Her experience at BNY Mellon focused on complex financial reporting, analysis, and accounting of mutual and closed-end funds, which informs her meticulous approach to financial advising. Natalja specializes in areas such as college education planning, family wealth management strategies, personal retirement planning, women and wealth, and retirement income. She is committed to building strong, trust-based client-advisor relationships grounded in a clear understanding of clients' personal and financial goals. Her advisory approach emphasizes objective, product-neutral guidance through Merrill’s disciplined four-step wealth management process, aiming to provide tailored strategies that support clients’ long-term financial success. Educationally, Natalja holds a Master’s Degree in Law and a Bachelor’s Degree from Latvia State University, as well as an MBA from Widener University. She is also a Personal Investment Advisor (PIA) and is fluent in Russian and English. Outside of her professional life, Natalja enjoys gardening, hiking, horseback riding, music, running, scuba diving, skiing, spending time with family, traveling, and yoga.

Ryan Harrison is a financial advisor with Ameriprise in Levittown, PA, holding a Series 66 designation and nine years of industry experience. He worked at Merrill from 2015 to 2021 before joining Ameriprise in 2021. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, providing detailed Recommendation Reports on income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, algorithm-supported recommendations through a centralized consulting team.

Lauren Kwasnicki is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and 17 years of industry experience. She has been with Merrill since 2010. Merrill, in conjunction 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 plans, corporations, and charitable organizations.

Jacqueline Zapicchi Cloughsey is a financial advisor with Cetera, holding a Series 66 designation and 15 years of industry experience. She has worked at Ameriprise and DFG Financial Group, LLC, where she continues to provide financial services. Cloughsey is also an insurance agent selling fixed insurance products. Cetera Investment Advisers LLC serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with access to various third-party managers and customized investment strategies.

Donovan Stuard is a financial advisor with LPL Financial in Newtown, PA, holding Series 63 and Series 65 licenses and five years of industry experience. His prior roles include positions at McDermott Investment Advisors and Merrill Lynch. LPL Financial serves a diverse client base including individuals, retirement plans, banks, and corporations through a national network of advisers. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing discretionary and non-discretionary management supported by research and model portfolios.

Kevin Paul is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 63 and Series 66 credentials. His prior experience includes positions at The Vanguard Group and JPMORGAN Chase Bank, as well as service in the United States Marine Corps. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Robert Hoffman III is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 credentials and bringing 28 years of industry experience. He has been with Raymond James Financial Services Advisors, Inc. since 2010 and has also worked at Fulton Bank and Fulton Financial. Hoffman is involved with Fulton Financial Advisors in a non-investment role focused on investment sales. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, and institutional clients. The firm emphasizes non-discretionary planning tailored to client goals and supports a wide network of advisors with advanced analytical tools and specialized services in municipal finance and SIMPLE IRA consulting.

Amanda Sneed is a financial advisor at Merrill with 18 years at the firm and 8 years of industry experience. She holds a Series 66 designation and is based in Mount Laurel, NJ. 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 supported by internal and third-party managers and serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christopher Reilly is a financial advisor at Osaic with 27 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Lincoln Financial Advisors for 14 years before joining Osaic in 2025. Reilly is also active as an insurance agent, offering various health and life insurance products including disability coverage, fixed and indexed annuities, and health savings accounts. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors and multiple platforms. The firm utilizes firm-provided asset allocation tools and offers integrated brokerage, advisory services, and access to third-party money managers.

Stephen Gish is a financial advisor at Raymond James Financial with 33 years of industry experience. He holds Series 63 and Series 65 designations and has worked with Fulton Bank and several affiliated firms since 2009. Outside of his advisory role, he is an associate at Fulton Financial Advisors, where he focuses on investment sales and service. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, institutions, and charitable organizations. The firm emphasizes tailored, non-discretionary planning using analytical tools and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Jordan Assentato is a financial advisor at Cetera with one year of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at Ameriprise, ADP, and Lincoln Financial Group. In addition to his advisory role, he serves as an insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is a large SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Chirag Shah is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Wells Fargo Clearing, Wells Fargo Bank, and JPMorgan Chase Bank prior to his current roles. Outside of finance, he is involved with Priva LLC, a home care agency, where he provides caregiving services to his parents. J.P. Morgan Securities LLC offers institutional consulting services to corporations, foundations, and plan sponsors, providing asset allocation advice, investment manager searches, and customized performance reporting. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while maintaining centralized due diligence and ESG eligibility processes.

Isaiah Burrows is a financial advisor at Raymond James & Associates with a Series 66 credential and three years of industry experience. Prior to joining Raymond James, he worked at Seton Hall University and was involved with Straight Edge Striping. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing around $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning and consulting services with a variety of portfolio management styles.

Daniel Benster is a financial advisor with LPL Financial who holds Series 63 and Series 65 licenses and has 32 years of industry experience. His prior work includes roles at Janney Montgomery Scott, Waddell & Reed, Inc., and various insurance carriers with W&R insurance agencies. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Danielle Hooven is a financial advisor with Morgan Stanley in Mount Laurel, NJ, holding a Series 66 credential and seven years of industry experience. Prior to joining Morgan Stanley in 2023, she worked at Principal Securities Inc. and held various roles in financial services since 2012. Morgan Stanley Wealth Management provides a range of advisory programs for individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and investment modeling to support its advisory services.

Matthew D'amico is a Wealth Management Advisor at Merrill Lynch Wealth Management. He holds a Certified Investment Management Analyst (CIMA) certification and a Personal Investment Advisor (PIA) designation. Matthew earned his bachelor's degree from Jacksonville University. With over a decade of experience, Matthew specializes in comprehensive wealth management, including investments, risk management, philanthropic planning, and trust and estate planning services. He assists busy professionals and families in aligning their financial goals with their life priorities. His client focus areas include executive compensation, family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, personal retirement planning, philanthropic planning, socially responsible and ESG investing, sports and entertainment, tax minimization, and retirement income. Matthew participates in community activities such as Brazilian Jiu-Jitsu and the Crescent Boat Club at Boathouse Row Philadelphia. He also conducts educational seminars for individuals, families, and businesses and speaks at various industry forums and events.

Charles Lovell is a financial advisor at UBS Financial Services with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Bank of America and Merrill. Outside of his advisory role, he owns and manages rental properties. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans according to clients’ goals and risk tolerances.

James Mcgrath is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 credentials and over 34 years of industry experience. He has worked with Fulton Bank and Fulton Financial Corporation, where he is currently involved in investment sales and service. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored non-discretionary planning and consulting, employing risk profiling and modeling tools, and supports municipal and public finance work through a unique affiliation with a municipal advisor.