Wendy Fratrik is a financial advisor with LPL Financial, holding a Series 66 designation and 15 years of industry experience. Prior to joining LPL in 2024, she worked at Bank of America for five years and spent 24 years at Merrill Lynch, Pierce, Fenner & Smith. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers advisory and brokerage services including financial planning, model portfolio programs, and access to third-party asset management, with a wide range of investment options and advisor support tools.

Kyle Albahary is a Planning Consultant at Fidelity Investments, where he currently works with clients to help them achieve their financial goals. He has been with Fidelity Investments since 2021, progressing through roles as a Financial Representative and Relationship Manager before his current position. Kyle has developed expertise in financial planning and client relationship management through his experience at Fidelity. He is committed to building lasting relationships and serving as a trusted resource for clients on their financial journey to retirement. Outside of his professional work, Kyle enjoys baseball, family activities, fitness, golf, movies, and music.

Stephen Niles is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 designations and bringing 35 years of industry experience. He previously worked at Morgan Stanley Smith Barney for 19 years before joining Raymond James Financial Services Advisors, Inc. in 2019. 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, pension plans, corporations, and institutional clients. The firm offers non-discretionary planning tailored to client goals, employing analytical tools and risk profiling, and supports advisory programs alongside institutional consulting and portfolio management.

Robert Hurley is a CFP® with 43 years of experience in the financial services industry. He has worked at LPL Financial since 2023, following a long tenure at R.G. Hurley & Associates, Inc. and Cadaret, Grant & Co., Inc. Since 1988, he has also been involved in selling life, health, and annuity insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced research tools and a broad non-advisory financial services network.

Nicholas Hinkle is a financial advisor at Stifel with one year of industry experience. He holds the Series 66 designation and previously worked at Profile Management Agency LLC and Lehigh Valley Health Network. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Seema Khetawat is a Private Wealth Advisor at Merrill Private Wealth Management. She collaborates with clients to manage and grow their wealth through personalized financial strategies. Her professional background, credentials, and community involvement details are not provided.

Lourdes Visperas is a financial advisor with Ameriprise in Bethlehem, PA, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. She has been with Ameriprise and its predecessor firm since 1991. Ameriprise offers a retirement-income planning service tailored to individuals approaching or in retirement with substantial investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary retirement advice through a centralized consulting team.

Matthew Fisher is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 22 years of industry experience. His prior work includes roles at Morgan Stanley Private Bank, National Association, and Morgan Stanley Smith Barney LLC. He is a member of the Veteran's of Foreign Wars and serves as an auditor for St Johns Methodist Church. 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, pension plans, and charitable organizations, offering financial planning and advisory services with a range of portfolio management styles and affiliated research resources.

Keith Yanders is a financial advisor with Morgan Stanley in Allentown, PA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Outside of his financial career, he is involved with Living Room Yoga in Emmaus, Pennsylvania. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with tailored financial planning and a wide range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and methodologies.

Danny Petty is a financial advisor at Edward Jones with 12 years of industry experience. He has held positions at Edward Jones since 2018, following roles at Raymond James & Associates and J.W. Cole Financial, Inc. Outside of his advisory work, he serves as Director of Youth Ministry at Bucks County Community Church, coordinating monthly youth events and teaching on Sunday evenings. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of investment strategies and operates under a fiduciary standard, supported by a large network of financial advisors and branch offices nationwide.

Matthew Frank is a financial advisor at Ameriprise with 35 years of industry experience. He has been with Ameriprise and its affiliated entity since 2005. Outside of his advisory role, he serves on the professional advisory committee of the board of directors at Maharishi University of Management. Ameriprise is a large institutional firm offering retirement-income planning services primarily for clients with significant investable assets. Its approach combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary retirement recommendations through a centralized consulting team.

Dustyn Seifert is a financial advisor at Edward Jones with one year of industry experience. He holds the Series 66 designation and previously worked at Reed Technology/LexisNexis for nine years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, managing approximately $1.01 trillion in assets with a nationwide network of over 23,700 financial advisors.

Brian Duelfer is a financial advisor at Ameriprise with 39 years of industry experience. He holds Series 63 and Series 65 registrations and has been with Ameriprise and its related entities since 2015. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement planning with tax-aware withdrawal strategies and dependable income sources.

Candice Gray is a financial advisor at Morgan Stanley with 31 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and previously worked at Citigroup Global Markets beginning in 1997. She holds a Series 63 designation. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by analytical tools and modeling techniques.

Joseph Bottino Jr. is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Dean Hasen is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds Series 63 and Series 66 credentials and has worked with Wells Fargo Clearing since 2018, following prior roles at Citizens Securities, Inc. and PNC Investments. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and integrates research from Wells Fargo Investment Institute alongside third-party data to guide investment decisions.

Thomas Dellaquila is a financial advisor with Morgan Stanley in Allentown, PA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. His prior work history includes roles at Cambria County and CVS Health. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Amanda Zhou is a Branch Leader at Fidelity Investments, where she leads a team of financial professionals providing financial and investment guidance to clients. She has held this role since 2023. Her professional experience includes positions as a Field Supervision Officer at Edward Jones in 2023, Core Brokerage Team Lead at Robinhood from 2021 to 2023, and Investor Service at TD Ameritrade from 2019 to 2021. Through these roles, she has developed expertise in financial services and client support. Outside of her professional work, Amanda enjoys hiking and exploring food-related interests.

Lisa Rarick is a financial advisor at Morgan Stanley in Allentown, PA, with 31 years of industry experience. She holds a Series 63 designation and has previously worked at Merrill from 2010 to 2016. Outside of her advisory role, she is a part-time independent distributor of health and wellness products through at-home parties. Morgan Stanley Wealth Management serves individual and institutional clients by offering a wide range of advisory programs and tailored financial planning, supported by firm-approved tools and research from the Global Investment Committee.

Peter J. Bednarek is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 28 years of experience in the financial services industry. He specializes in providing comprehensive wealth management strategies tailored to the unique needs and goals of his clients. His approach includes planning for retirement, education funding, retirement income, estate planning, health care expense planning, insurance, and annuities, complemented by access to banking and lending solutions through Bank of America, N.A. Peter holds a bachelor's degree in History from King's College and earned his MBA from Saint Joseph's University. He carries the Personal Investment Advisor (PIA) designation and holds leadership roles as Board President of Integrate for Good and as a board member for Lansdale Catholic High School and the Chamber of Commerce for Greater Montgomery County, PA. He is also a member of the Eastern Montgomery County Chamber of Commerce. Peter is actively involved in his community, coaching basketball teams for Deep Run Valley Sports Association and teaching 2nd grade PREP at Mary, Mother of the Redeemer Catholic Church. He resides in Montgomery Township and enjoys baseball, basketball, boating, fishing, football, golfing, running, softball, surfing, and spending time with his family.