Joseph Spanfelner is a financial advisor at Ameriprise with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2010. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver non-discretionary recommendations through a centralized consulting team, with a focus on assets held in Ameriprise Managed Accounts.

Joseph Dunn II is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in holistic wealth management, focusing on helping clients control fees, taxes, and risk to attain financial independence. Joseph works with a diverse client base including Baby Boomers, whom he assists with planning for the financial and tax implications of Required Minimum Distributions, and high-income millennials, guiding them through various financial decisions such as real estate purchases, education planning, tax reduction, student loan management, executive compensation, and retirement planning strategies. He holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Joseph earned a High School Diploma from St Joseph's Preparatory School and a Bachelor's Degree from St Joseph's University. He operates within a team that is unique in its under-40 demographic, which he sees as an advantage in the evolving financial services industry. Outside of his professional role, Joseph is actively involved in his community as a lieutenant in his hometown fire department, Haddon Fire Co #1, and volunteers at the Cathedral Kitchen. He has also been recognized with the President's Volunteer Service Award. His personal interests include spending time with his Husky puppy Jake, engaging with his nieces and nephew, watching Philadelphia sports teams, and participating in outdoor activities.

George Mundy is a CFP® professional with 32 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2010 to 2016. Outside of his financial advisory role, Mundy serves as an assistant junior varsity coach for high school ice hockey, teaching ice hockey skills. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Mark Melillo is a financial advisor at Stifel with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Stifel Nicolaus & Co Inc since 2019. Prior to this, he was with Wells Fargo Clearing from 2016 to 2019 and Wells Fargo Advisors LLC from 2009 to 2016. Stifel serves a diverse client base including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm’s investment approach is based on proprietary forward-looking capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Christian Brown is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. Prior to joining Charles Schwab, he worked at Edward Jones for two years. Outside of his advisory role, he has volunteered as a youth lacrosse coach and plans to become a referee for youth lacrosse in New Jersey. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and research.

Carlos Sosa is a financial advisor at Merrill with 28 years of industry experience. He holds Series 63 and Series 65 designations. His career includes over two decades at Merrill and 17 years at Bank of America, N.A. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies. The firm serves individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries, leveraging its integration with Bank of America’s broader platform.

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 at Merrill with 17 years of industry experience. She holds the Series 63 and Series 66 credentials and has been with Merrill since 2010. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm leverages its integration with Bank of America to offer access to various products and services beyond typical managed accounts.

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 with J.P. Morgan Securities holding Series 63 and Series 66 designations and four years of industry experience. His prior roles include positions at The Vanguard Group and JPMorgan Chase Bank, N.A., as well as service in the United States Marine Corps. He also has experience in the restaurant industry. 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 recommendations.

Robert Hoffman III is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 designations and bringing 27 years of industry experience. He has worked with Raymond James Financial Services Advisors Inc. since 2010 and has experience at Fulton Bank and Fulton Financial. He is also involved as an associate at Fulton Financial Advisors, focusing on investment sales. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, pension plans, charitable organizations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored plans developed through risk profiling and asset-allocation analysis, with a significant portion of its business conducted on a non-discretionary basis.

Amanda Sneed is a Series 66 registered advisor with Merrill, based in Mount Laurel, NJ, and has 8 years of industry experience. She has been with Merrill since 2008. Merrill offers managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, providing a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm leverages Bank of America’s broader platform, offering access to various financial products and services beyond typical investment management.

Patricia Villano is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 12 years of industry experience. She has worked at Wells Fargo Advisors, LLC from 2008 to 2016 before joining Wells Fargo Clearing, where she has been since 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and 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.

William Rivel is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He previously worked at Janney Montgomery Scott, LLC for nine years before joining Raymond James in 2022. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and asset-allocation analyses, supporting both discretionary and non-discretionary advisory relationships.

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.

Adam Zielinski is a financial advisor with Cambridge Investment Research Advisors and holds Series 63 and Series 65 licenses. He has 18 years of industry experience, including prior roles at Commonwealth Financial Network and Axa Advisors. Zielinski is also the owner of Millstone River Wealth Management. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent professionals, utilizing both proprietary and third-party strategies across various platform arrangements.