John Horn is a financial advisor with LPL Financial holding CFP® and ChFC® designations and 11 years of industry experience. He previously worked at Lincoln Financial Advisors for 18 years before joining LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives, offering a range of advisory programs and financial planning services.

Patrick Wayman is a financial advisor with Ameriprise in Penn Valley, PA, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he owns Ashford Consulting, LLC, an entity established to hold the real estate for his financial planning practice. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendation reports that support retirement income strategies, with an emphasis on assets held within Ameriprise-managed accounts.

Marva Hardnett is a financial advisor with Ameriprise in Plymouth Meeting, PA, holding a Series 66 designation and 24 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. In addition to her advisory role, she is involved in independent insurance brokering with New York Life. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing planning advice focused on reliable income sources and tax-aware withdrawal strategies.

Andrea Goldstein is a financial advisor at Equitable Advisors with Series 65 and Series 63 licenses and one year of industry experience. Prior to joining Equitable Advisors, she held roles at Compass Health Consultants, Guardian Life Insurance Company, and Park Ave Securities, among others. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charities, and institutions, offering a range of financial planning, brokerage, insurance, and third-party asset management services. The firm operates as both an SEC-registered investment adviser and broker-dealer, utilizing LPL-sponsored programs and various third-party managers to deliver advisory and brokerage solutions.

Brad Bryan is a CFP® with 27 years of industry experience, currently serving as a financial advisor at Cetera in Phoenixville, PA. His prior experience includes roles at Charles Schwab, TD Ameritrade, and The Vanguard Group. Cetera Investment Advisers LLC is a large SEC-registered firm that serves a broad range of clients including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers.

Andrew Leyens is a financial advisor with Cambridge Investment Research Advisors in Fort Washington, PA, holding the ChFC® and Series 63 designations and having 34 years of industry experience. Prior to joining Cambridge in 2017, he worked at Northwestern Mutual in multiple roles from 2004 to 2017. Outside of advisory services, he is an independent insurance agent and serves as an expert witness providing consulting and testimony. Cambridge Investment Research Advisors serves a broad client base including individuals, pension plans, charitable organizations, and trusts by offering financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent financial professionals. The firm provides a variety of portfolio management options, including proprietary and third-party strategies, across multiple custody platforms with both discretionary and non-discretionary implementation.

Adam Older is a financial advisor with Ameriprise in Hatfield, PA, holding a Series 66 designation and 14 years of industry experience. He has worked at Ameriprise and its affiliate Ameriprise Financial Services since 2011. Outside of advising, he is involved in health coaching through Optavia and instructs students in Shotokan Karate and Aikijujitsu at The Bushi Group. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning, tax-aware withdrawal strategies, and investment recommendations supported by proprietary research and third-party data.

Matthew Kitchie is a financial advisor with Cetera, holding a Series 66 designation and seven years of industry experience. He previously worked at Voya Financial Advisors and has a background that includes ten years at Lehigh University. In addition to his advisory role, he operates as an independent insurance agent and markets financial services and fixed life insurance through Flagship Financial. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to multiple program structures and third-party managers.

Jinsong Chen is a financial advisor at OSAIC with 31 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Woodbury Financial Services for 17 years. Outside of advising, he is a co-owner of J. Lion Insurance Group. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services along with access to multiple advisory platforms and third-party money managers. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to manage diversified portfolios that include a range of investment types.

Hugh Cameron is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. He has worked with Cetera and its affiliates since 2016 and previously held a position at BB&T Securities. Outside of advisory work, he is a partner and executive vice president at JBC Companies, focusing on fixed insurance strategies, and serves on the board for strategic growth and planning at Vista Marketing Partners. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients including individuals, retirement plans, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and $256 billion in assets under management.

Anthony Bagonis Jr. is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and 15 years of industry experience. He has previously worked at Royal Alliance Associates, Inc. and Signator Investors, Inc. He is also commissioned as a Notary Public in Pennsylvania. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services with a focus on asset allocation, risk assessment, and portfolio management using a variety of investment vehicles.

Craig Hammer is a financial advisor at OSAIC with Series 63 and Series 65 credentials and 32 years of industry experience. He previously worked at Lincoln Financial Securities and Lincoln Financial Advisors for a combined 17 years. Outside of his advisory role, Hammer is a partner and co-owner of Nexus Financial, LLC, which holds interests in RHM Partners LLC and Independence Financial Group, entities involved in wholesaling traditional life and annuity products. OSAIC serves a diverse client base including retail and institutional investors, offering brokerage and advisory services, financial planning, and access to third-party managers. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios that may include a range of investment products, available on both discretionary and non-discretionary bases.

Tuan Le is a financial advisor with LPL Financial in Conshohocken, PA, holding Series 63 and Series 65 licenses and 26 years of industry experience. He has been with LPL Financial since 2016 and also maintains a role at Trumark Financial Credit Union since 2013. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves 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 and financial planning services, utilizing discretionary and non-discretionary management supported by research and model portfolios.

Nicholas De Vito is a financial advisor at LPL Financial with a Series 66 designation and three years of industry experience. He has worked at LPL Financial since 2022 and is also associated with Menninger & Associates. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, 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 extensive research and technology integration.

Drew Pettinelli is a Financial Advisor at Merrill Lynch Wealth Management and a member of the P.O.D. & Associates team. He has been in the financial services industry since 2024 and joined Merrill in August 2024. In his role, he provides customized solutions to meet clients' needs in wealth structuring, investment management, trust, and banking services. He also facilitates client access to the firm's resources, including capital market products, complex financing solutions, and an extensive banking platform. Drew's client focus areas include college education planning, family wealth management strategies, liquidity management, retirement planning, portfolio management, small business strategies, and tax minimization. Drew holds a Bachelor's degree from Gettysburg College, where he also played lacrosse. He has earned the Personal Investment Advisor (PIA) professional designation. He is affiliated with professional organizations such as the Gettysburg College Alumni, Malvern Prep Alumni, and is a member of the Rivercrest Golf Club. In the community, Drew participates in holiday card making for patients at St Jude's Hospital. Residing in Collegeville, Pennsylvania, Drew enjoys spending time with his family, visiting Ocean City, New Jersey, and playing golf. He has two Rhodesian Ridgeback dogs.

John Northrop is a CFP®, ChFC®, and Series 66-licensed financial advisor with 10 years of experience at Edward Jones in Lansdale, PA. He has been with Edward Jones since 2016. Outside of his advisory role, he is president of Northrop Diversified, LLC, an investment company. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of investment and advisory solutions. The firm manages over $1 trillion in assets and offers both discretionary and non-discretionary strategies, including access to separately managed accounts and affiliated mutual funds.

Michael Hudson is a financial advisor with LPL Financial who holds the ChFC® designation and Series 63 license, with 36 years of industry experience. Prior to joining LPL in 2018, he worked at Nationwide Securities, LLC and Nationwide from 2010 to 2018. He is also involved in writing and servicing fixed insurance products through activities with Highland Capital and CRUMP. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm provides a range of advisory programs and brokerage services, including model portfolios, retirement plan consulting, and participant advice programs, supported by proprietary and third-party research.

Joseph Mallee III is a financial advisor with Mass Mutual Investors Services in Conshohocken, PA, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. He has been associated with MassMutual and its related entities since 2011. Outside of his advisory role, Mallee is involved as the owner of a technology innovation company, Endinmind Creations LLC, co-CEO of a property and casualty firm, WOOP, and serves on the board of the Breakthrough Bike Challenge, a nonprofit supporting cancer research and the Penn Abramson Cancer Center. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, utilizing firm-approved analytic tools to develop collaborative client relationships based on goals and recommendations.

Russell Hanscom III is a financial advisor with LPL Financial who holds Series 63 and Series 65 credentials and has 43 years of industry experience. He has worked with LPL Financial since 2016 and has also been associated with TruMark Financial Credit Union since 2013. 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 financial planning and advisory programs, utilizing both discretionary and non-discretionary management, supported by research and model portfolios.

Paul Mazurski is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. Prior to joining Merrill in 2025, he held roles at Bank of America and worked in other sectors including hospitality and events. Outside of his advisory work, he owns a small LLC that provides part-time residential handyman services to friends and family. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a variety of model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutional investors.