Declan Botwinick is a financial advisor at UBS Financial Services with a Series 66 designation and one year of industry experience. He has held various roles including positions at Hurley and Associates, CPAs, and community involvement with the Barnegat Light Yacht Club. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, utilizing proprietary capital market research and model-based asset allocations to provide tailored financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Hunter Coraggio is a financial advisor at Merrill Lynch Wealth Management based in Mt. Laurel, NJ. In his role, he works directly with clients to develop strategies designed to achieve their financial goals, leveraging Merrill's global investment strategies, lending solutions, and banking services through Bank of America. Prior to joining Merrill, Hunter served as an Associate Banker with the Financial Sponsors Group at J.P. Morgan Private Bank in Manhattan, where he advised ultra-high-net-worth individuals, private equity professionals, and institutions. Since entering the industry in 2021, he has gained experience in client relationship management, business development, and complex financial transactions, collaborating with investment, lending, and trust specialists to craft tailored financial strategies. Hunter earned a Bachelor of Science degree in both Finance and Accounting from Rowan University, graduating Cum Laude in three years with multiple academic honors. He holds the designation of Personal Investment Advisor (PIA). Outside of his professional work, Hunter enjoys family time, travel, golfing, baseball, and follows Philadelphia sports.

Martin Lutschaunig is a CFP®-certified financial advisor with 33 years of industry experience. He is currently with Raymond James Financial Services Advisors, Inc., having joined in 2024 after ten years at Janney Montgomery Scott. Outside of his advisory work, he serves as a director and investment committee chair for Bucks County Contributionship. 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, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and encourages implementation through its advisory programs or other providers, with a notable affiliation supporting municipal and public finance advisory work.

Ryan Hayes is a Financial Advisor at Merrill Lynch Wealth Management. He joined Merrill Lynch Wealth Management in 2025 and focuses on assisting individuals, families, and business owners in navigating complex financial decisions. He works out of the Yardley, PA office and serves clients throughout the country. Ryan has 11 years of experience in the financial services industry. His areas of expertise include college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, individual and corporate investment strategy, tax minimization, and retirement income. He and his team utilize their combined experience to help clients preserve and build wealth across multiple generations. He earned a bachelor's degree in Finance from Tulane University in 2014 and holds the Personal Investment Advisor (PIA) designation. Ryan currently resides in Philadelphia, PA with his wife and two children. Outside of work, he enjoys basketball, cooking, fishing, golfing, music, pickleball, reading, running, spending time with his family, and surfing.

Abigail Wick is a Series 66 credentialed financial advisor with Morgan Stanley, where she has worked for 10 years, including five years at Morgan Stanley Private Bank, N.A. Prior to her current role, she was involved with SUNY Binghamton Athletics and SUNY Binghamton University. Outside of her advisory work, she coaches and trains young girls in the Yardley Makefield Soccer program. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, providing tailored financial planning services supported by firm-approved tools and advanced modeling techniques. The firm manages approximately $2.74 trillion in client assets and serves clients through various direct and corporate financial planning arrangements.

Adam Elover is a CFA® charterholder with 20 years of experience in the financial services industry. He currently serves as an advisor at LPL Financial and previously worked at Rim Securities LLC and Rochdale Investment Management for 18 years. 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, and retirement plan consulting, utilizing model portfolios, research, and technology including machine learning.

Nickolas Gazzola is a financial professional at Cetera with two years of industry experience. He holds the Series 66 designation and has previously worked at firms including Crosby Private Wealth Advisors, United Planners Financial Services, and Harding Loevner LP. Outside of his advisory role, he has been involved with Performance Golf Management and Consulting LLC. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients nationwide. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Dean Chalela is a financial advisor at LPL Financial with 27 years of industry experience. He holds Series 63 and Series 65 designations. Prior to joining LPL Financial in 2019, he worked with various insurance carriers and Waddell & Reed, Inc. for over two decades. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs and financial planning services, utilizing discretionary and non-discretionary management, model portfolios, and research from multiple sources.

Cheryl Blair is a financial advisor with Merrill in Mount Laurel, NJ, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. She has worked at Bank of America, N.A. and Merrill since 2014. Merrill, together 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 strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Norman Kaznica is a financial advisor at Cetera with eight years of industry experience. He holds a Series 66 designation and has been with Cetera and its affiliates since 2017. In addition to his advisory role, Kaznica provides tax preparation and planning services through Malin & Masly Financial Services PC. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party managers across various program structures.

Eric Listick is a financial advisor at LPL Financial with 29 years of industry experience. He holds the Series 63 and Series 65 credentials and has previously worked at Specific Solutions, Fulton Financial Advisors, Raymond James Financial Services Advisors Inc., and Fulton Bank. He is also associated with ERL Financial Group, a business entity established for tax and investment purposes. 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, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Nina Ingulli is a financial advisor with Ameriprise, holding a Series 66 designation and 24 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Ingulli serves on the advisory council of the McNulty Institute. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, notable for its Ameriprise Premier Retirement Income service that provides clients with written recommendation reports and ongoing retirement-income planning advice focused on income sources and tax-aware withdrawal strategies.

Mark Chinn is a financial advisor with Cambridge Investment Research Advisors in Newtown, PA. He holds a Series 66 designation and has 15 years of industry experience, having worked with Cambridge Investment Research Advisors and affiliated entities since 2010. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers a range of services such as financial planning, investment management, and retirement plan advisory through a network of independent professionals, employing both proprietary and third-party model strategies tailored to client objectives.

Dean Howe is a financial advisor at Cetera with nine years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Avantax Advisory Services and Avanatx Insurance Agency. Outside of advising, Howe is president of DC Howe & Company, CPA, LLC, where he provides tax preparation, bookkeeping, and accounting services, and he also advises small business owners through Howe Financial Group Inc. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individual, corporate, retirement plan, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with options including model portfolios, third-party managers, and bespoke strategies.

Christine Mcginley is a financial advisor at UBS Financial Services with 37 years of industry experience. She holds the Series 63 and Series 65 licenses and has been with UBS since 2008. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor investment strategies.

Jared Hannah is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. Prior to joining Merrill, he worked in senior living services and had a background in carpentry. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Felipe Zegarra is a financial advisor at UBS Financial Services with seven years of industry experience. He previously worked at The Vanguard Group, Morgan Stanley, and Northwestern Mutual. His background also includes a role at Joinsolar. 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 provides fee-based financial planning, portfolio management, and distributes mutual funds and alternative products.

Christina Leung is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Wells Fargo Bank, Bank of America, and Merrill. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Bryan Roberts is a financial advisor at LPL Financial with 27 years of industry experience. He holds the CFP® and ChFC® designations and has worked previously with Cuna Mutual Group and CUNA Brokerage Services, Inc. He is based in Philadelphia, PA. 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, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management along with access to model portfolios and research.

Bernard Rooney Jr. is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and 24 years of industry experience. He previously worked at American Portfolios Financial Services, Inc. for 12 years and has managed Rooney Tax & Capital Management since 2002. Outside of his advisory role, he owns Rooney & Hodgens LLC, an accounting and tax practice. OSAIC serves a diverse clientele including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations, offering brokerage and advisory services through a broad network of affiliated advisers and multiple platforms. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios with various investment vehicles and supports both discretionary and non-discretionary account management.