Amanda Harver is a financial advisor with Wells Fargo Clearing in Philadelphia, PA, holding Series 63 and Series 66 designations and 16 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wachovia Bank, N.A. and Wells Fargo Advisors LLC. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, retirement plan consulting, and brokerage solutions to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of services including discretionary and non-discretionary retirement plan consulting, leveraging research from Wells Fargo Investment Institute and third-party sources.

James Cleary is a financial advisor with Mass Mutual Investors Services, holding the ChFC® designation and a Series 63 license. He has 43 years of industry experience, including prior roles at MetLife Securities Inc. and Massachusetts Mutual Life Insurance Company. Outside of his advisory work, Cleary acts as an agent in non-registered insurance brokerage and life settlements, and serves as a trustee for multiple family trusts. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses detailed client data and proprietary software to develop written financial plans, offering a range of event-driven planning services and educational programs.

Dawn Stil is a financial advisor at UBS Financial Services with 25 years of industry experience. She holds the Series 66 and Series 63 licenses and previously worked at Morgan Stanley Smith Barney for nine years before joining UBS in 2021. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, portfolio management, and distributes proprietary research through a network of financial advisors who tailor plans based on capital market assumptions and client goals.

Tamara Morton is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo since 2013, including her current role at Wells Fargo Clearing since 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Stephen Melchiorre is a financial advisor with LPL Financial, holding a Series 66 designation and six years of industry experience. His prior roles include positions at Lincoln Financial Advisors, Equitable Advisors, Axa Advisors, and New York Life. 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 a range of advisory programs, financial planning, retirement plan consulting, and brokerage services with discretionary and non-discretionary management options.

Benjamin Yeager is a financial advisor with Mass Mutual Investors Services, holding the ChFC® designation and Series 66 license. He has 16 years of industry experience, including roles at Mass Mutual Investors Services since 2017 and MassMutual Life Insurance Co since 2016. Outside of his advisory work, he operates a financial services LLC that brokers insurance products and manages assets. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, wrap programs, and educational seminars, focusing on collaborative annual planning engagements using firm-approved analytical tools.

Lorraine Zeplinski is a financial advisor with Cetera, holding a ChFC® designation and Series 63 license, and has 41 years of industry experience. She has worked at Cetera and its affiliates since 2021 and previously at VOYA Financial Advisors from 2014 to 2021. In addition to her advisory role, she owns and operates a tax preparation business in Philadelphia. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with a range of portfolio management options and oversees more than $256 billion in assets.

Jeffrey Schoff is a financial advisor with Raymond James & Associates and holds a Series 66 designation. He has four years of industry experience and previously worked at Tiedemann Advisors for seven years. Schoff also serves in the U.S. Army Reserve, where he has been a member since 2005. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Meghan Gallagher is a financial advisor with J.P. Morgan Securities in Philadelphia, holding a Series 66 designation and two years of industry experience. Her career includes roles at JPMorgan Chase Bank, N.A. and Bank of America. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Paul Tropea is a CFP® professional with 29 years of industry experience, currently serving at RBC Capital Markets since 2009. He holds Series 63 and Series 65 licenses. Outside of his advisory role, he is an elected official on the South Harrison Board of Education, where he oversees education matters for the township. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services, utilizing both in-house and third-party investment managers.

Adonika Watkins is a financial advisor at RBC Capital Markets with 17 years of industry experience and holds a Series 66 designation. She has been with RBC Capital Markets since 2008 and simultaneously serves as an instructor at Temple University, where she teaches a course on investing. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

Robert Smith is a financial advisor with Morgan Stanley in Mount Laurel, NJ, holding a Series 66 designation and 27 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2019 and at Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by structured discovery and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services including wrap programs, private funds, and principal trading activities.

Frank Ruggiano is a financial advisor with UBS Financial Services in Philadelphia, PA, holding Series 63 and Series 66 licenses and seven years of industry experience. His prior roles include positions at Sanford C. Bernstein & Co., JPMorgan Securities, JPMorgan Chase Bank, GMH Capital Partners, and Marcus and Millichap. He serves as Treasurer for the Pennsylvania Bipartisan Climate Initiative, a nonprofit focused on environmental education and greenhouse gas mitigation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers research-driven, model-based investment strategies tailored to client goals and risk tolerance.

Edward Ranieri is a financial advisor with LPL Financial holding Series 63 and Series 65 licenses and has 27 years of industry experience. He has worked at LPL Financial since 2022 and has been associated with Cuna Mutual Group and CUNA Brokerage Services, Inc. since 1999. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services supported by research and model portfolios.

Eric Donohue is a financial advisor with Mass Mutual Investors Services, holding a Series 66 credential and seven years of industry experience. He has been with Mass Mutual Investors Services and Mass Mutual Life Insurance Co since 2019. Outside of his advisory role, he is also licensed as a life insurance agent. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements using firm-approved analytical tools and offers specialized services such as divorce planning, estate settlement, and employer-sponsored planning programs.

John Scott is a financial advisor with OSAIC, holding the ChFC® designation as well as Series 63 and Series 65 licenses. He has 39 years of industry experience, including 25 years at Signator Investors, Inc. before joining OSAIC in 2018. Scott serves as a board member of Hope Community Church, a non-denominational church in Moorestown, NJ. OSAIC serves a broad client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services featuring diverse investment options, model portfolios, and third-party management platforms.

Pedro Gomes is a financial advisor with Morgan Stanley in Philadelphia, PA, holding a Series 66 designation and 23 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management offers a wide range of advisory programs to individual and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery conversations and proprietary tools, supporting clients with advisory services but generally without providing individual security recommendations as part of standalone plans.

Jacob Baumann is a financial advisor at Mass Mutual Investors Services with one year of industry experience. He holds a Series 66 designation and previously worked at New York Life Insurance Company and NYLIFE Securities LLC. Outside of advising, he is involved with XGolf, an indoor golf entertainment business. 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, charitable organizations, and employers. The firm uses firm-approved software and ongoing collaborative planning relationships to deliver written recommendations focused on investment categories and strategies.

Declan Malcarney is a financial advisor at Wells Fargo Clearing with a Series 66 designation and one year of industry experience. He previously worked at Ameriprise and has a background that includes teaching roles and service with the Upper Township Beach Patrol. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages roughly $671 billion in assets and combines brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute and third-party sources.

Joseph Muziani is a financial advisor with Morgan Stanley in Mount Laurel, NJ, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2014. 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, including tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets.