Robert Moran Jr. is a financial advisor at Raymond James Financial with a Series 66 credential and one year of industry experience. Prior to his financial career, he held positions at Southern Airways Express and worked in various roles including education and retail. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individual, high-net-worth, institutional, and charitable organizations. The firm uses fact-finding, risk profiling, and analytical tools to tailor non-discretionary planning and investment consulting to client goals, supporting implementation through its advisory programs and partners.

Kristen Sarver is a financial advisor at Robert Baird & Co. with seven years of industry experience. She holds the Series 66 designation and previously worked at Hefren Tillotson for six years before joining Robert Baird in 2022. Sarver was a co-owner of MayFlower Cards, an arts and crafts business that is no longer active. Robert Baird & Co.’s Private Wealth Management department, including the DDK Group where Sarver works, serves individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a broad range of financial planning, portfolio management, and advisory services, supported by internal research and strategic partnerships.

Richard Guernsey is a financial advisor with Cambridge Investment Research Advisors and holds Series 63 and Series 66 credentials. He has 23 years of industry experience, including 15 years at Allegheny Investments and prior roles at Hefren Tillotson. Cambridge Investment Research Advisors serves a diverse client base of individual and institutional investors, offering financial planning, investment management, and retirement-plan advisory services. The firm provides access to multiple platforms and custodians, supports both discretionary and non-discretionary management, and offers proprietary model strategies through its Founders Gate Capital brand.

Brian Tarquinio is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds the Series 66 designation and has worked at UBS Financial Services from 2006 to 2020 before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC in 2020. Outside of his advisory role, he serves as a board member for South Hills Catholic Academy and is a partner at a technology firm, Thomas Joseph LLC. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers a broad range of investment services through its extensive financial advisor network.

Luke Thompson is a financial professional at Cetera with one year of industry experience. He holds the Series 66 designation and has worked at several firms, including DSF Wealth Management Group and The Clouser Group. Outside of his advisory role, he also works as an insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base, including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, supporting both discretionary and non-discretionary strategies across multiple program structures.

Matthew Knight is a financial advisor at Fidelity with 22 years of industry experience. He holds the Series 66 designation and has worked with various Fidelity entities since 2005, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Strategic Advisers LLC, a Fidelity company, provides investment management and advisory services to a broad client base including retail and institutional investors. The firm utilizes a proprietary investment process combining fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves in advisory roles for multiple registered investment companies and fund-of-funds.

Rosalind Frazier is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. Her prior roles include positions at Grove Point Advisors, H. Beck, Inc., and The Musuneggi Financial Group. Outside of her advisory work, she is employed by Stitch Fix. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, institutions, and retirement plan participants. The firm offers a range of advisory and brokerage services supported by a large network of investment adviser representatives and a variety of investment platforms and strategies.

Brent Ulreich is a CFP® and Series 66–licensed financial advisor with 10 years of industry experience. He is currently with Robert Baird & Co., where he has worked since 2022, following five years at Hefren-Tillotson. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management department, which serves individuals, corporate clients, pensions, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, and separately managed account programs, supported by internal research and manager monitoring.

Corey Utz is a CFP® with 21 years of industry experience, currently serving as a financial advisor at Robert Baird & Co. since 2022. Prior to joining Baird, he worked at Hefren Tillotson, Inc. for eight years. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management department, which serves individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, portfolio management through separately managed accounts, and custody and brokerage services, supported by internal research and manager monitoring.

Madysn Tusick is a financial advisor with Ameriprise in Pittsburgh, PA, holding a Series 66 designation and three years of industry experience. Prior to joining Ameriprise, she worked at Duquesne University and has experience in roles at Bruster's Real Ice Cream and Blackhawk School District. Outside of advising, Tusick works seasonally in tax preparation and is a certified Notary Public in Pennsylvania. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement planning advice focused on income stability and tax-aware withdrawal strategies.

Ronald Balog is a Series 66-credentialed financial advisor at OSAIC with 22 years of industry experience. His career includes roles at Royal Alliance, Insight Global Wealth Strategies, Cetera Advisor Networks, Morgan Stanley, and Merrill. Outside of his advisory work, he serves as the varsity head football coach at Freedom Area High School and is president of the Midwestern Athletic Conference Coaches Association. OSAIC Wealth serves a wide range of retail and institutional clients, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, delivering financial planning, managed portfolios, and retirement plan consulting among its services.

James Fawcett is a financial advisor with Primerica Advisors in Coraopolis, PA, holding Series 63 and Series 65 licenses and four years of industry experience. His prior work includes roles at PFS Investments Inc. and Knights of Columbus. In addition to advisory services, he is involved in the sale of loan products and home security and automation referrals through affiliated companies. Primerica Advisors manages a wrap-fee asset management program serving primarily individual investors along with corporate and charitable clients. The firm employs model-delivery strategies created by unaffiliated asset managers and utilizes third-party custodial and execution services.

John Nelson Jr. is a financial advisor at Cetera with 48 years of industry experience. He holds the ChFC® designation and Series 63 license. Nelson has held roles at several firms including Securian Financial Services Inc. and Greater Allegheny Financial Group, where he serves as president. He is also involved as an agent/broker with Greater Allegheny Insurance Agency. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and serves over 800,000 clients nationwide.

William Mancino is a financial advisor at Robert Baird & Co. with 18 years of industry experience. He holds a Series 66 designation and previously worked at Hefren Tillotson, Inc. for 14 years before joining Robert Baird & Co. in 2022. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management department, which serves individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of financial planning and portfolio management services, utilizing manager-traded and model-traded SMA strategies alongside tax management and direct-indexing capabilities.

Robert Kovalchik is a financial advisor at Ameriprise with 41 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Ameriprise and its affiliate since 1984. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, providing tailored Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and automated tools overseen by a dedicated team to deliver these recommendations, primarily focusing on assets managed within Ameriprise accounts.

Katherine Markowski is a financial advisor at OSAIC with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Watermark Financial and SagePoint Financial. In addition to her advisory role, she provides tax preparation and divorce consulting services, and serves as an executrix for an estate. OSAIC Wealth serves a broad range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and model-based asset allocation. The firm is notable for its scale, complex affiliate network, and integration of alternative investments and multiple program offerings.

Emma Sarnese is a CFP® professional with eight years of experience in the financial services industry. She currently works at Osaic Wealth Inc and previously held roles at Hornor Townsend & Kent LLC, Northwestern Mutual Investment Services LLC, and Northwestern Mutual Life Insurance Company. She also served in a non-investment capacity at South Hills Community Baptist Church for ten years. Osaic Wealth serves a diverse range of clients including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers brokerage and advisory services with a focus on model-based asset allocation, portfolio optimization, and a wide array of investment and planning programs.

Daniel Goss is a financial advisor with Robert Baird & Co., holding Series 63, 65, and 66 designations and bringing 26 years of industry experience. His prior roles include positions at Hefren Tillotson, PNC, Citizens Securities, Inc., and Federated Investment Counseling. He is part of The DDK Group within Robert Baird & Co.’s Private Wealth Management department, which serves individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of financial planning, portfolio management, and advisory services, supported by ongoing manager selection, internal research, and advanced tools including artificial intelligence.

Jonathan Kratsas is a financial advisor with Cetera and holds a Series 66 designation, bringing 20 years of industry experience. He previously worked at Avantax Advisory Services and Avantax Investment Services. Outside of his advisory role, he is a managing partner at Mercadante & Company, P.C., a CPA firm, and serves as a trustee for fiduciary appointments. Cetera Investment Advisers LLC is an SEC-registered firm with a large nationwide network of independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform that includes discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers, managing over $256 billion in assets.

Michael Tapolci is a financial advisor at LPL Financial with one year of industry experience. He holds the Series 66 designation and has prior experience working at RakeTrades, LLC and Trendsetters Trading, LLC. He is also involved with TradezOnTap, LLC, a business entity unrelated to investment activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and model portfolio programs, and supports investment strategies through various subadvisors and proprietary tools.