Craig Muschko is a financial advisor at J. W. Cole Advisors, Inc. with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Royal Alliance Associates, Metlife Securities, and Mass Mutual Investors Services. Outside of his advisory role, he owns a business that offers pitching lessons. J.W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm provides portfolio management, fee-based financial planning, access to third-party managers, and various managed account solutions.

Zachary Elinich is a financial advisor with Principal Financial Services, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. His prior work includes roles at Wells Fargo Clearing and Wells Fargo Advisors. He has been with Principal Financial Services and Principal Life Insurance Company since 2020. Principal Securities offers brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty military personnel stationed outside the U.S. The firm’s advisory services emphasize direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Jeffrey Garrison is a financial advisor with Truist Advisory Services in Allentown, PA, holding Series 63 and Series 65 licenses and seven years of industry experience. His prior work includes roles at Citizens Bank, Citizens Securities, Inc., and Wells Fargo. Outside of advising, he serves as a Notary Public. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm offers asset allocation and investment policy analysis, fiduciary support, and manager‑selection programs, utilizing both discretionary and non‑discretionary approaches supported by third‑party platforms and AI-enabled research tools.

Alfred Richter is a financial advisor with Integrity Alliance, LLC, holding Series 63 and Series 65 licenses and 17 years of industry experience. His prior experience includes roles at Bank of America, Merrill, Citizens Securities, Investors Bank, Cetera, and Essa Bank & Trust. Integrity Alliance serves a diverse client base including individuals, charitable organizations, corporations, and retirement plans through a large network of independent advisers. The firm offers a range of investment management and consulting services, utilizing various portfolio construction approaches and custodial platforms.

Matthew Ostomy is a financial advisor with Primerica Advisors, holding Series 63 and Series 66 designations and 21 years of industry experience. He has worked at Park Avenue Securities, LLC since 2020 and has prior experience with Guardian Life Insurance Co of America, H. Beck, Inc., and FolioFn Investments, Inc. Park Avenue Securities LLC serves a broad retail client base, offering brokerage and advisory services, financial planning, and retirement-plan consulting. The firm employs a variety of investment strategies through proprietary models, third-party managers, and digital advice platforms, managing approximately $15 billion in regulatory assets under management.

Ryan Brahm is a financial advisor with PNC Wealth Management, holding a Series 66 designation and 16 years of industry experience. He has been with PNC Investments since 2011. PNC Wealth Management offers retail brokerage and advisory services through several model-based programs, including an invitation-only digital discretionary model account available to employees. The firm uses algorithm-driven risk assessments to guide investment in approved model strategies managed by PNC or third-party strategists.

Stephen Gooditis is a CFP® professional with 38 years of industry experience currently with NewEdge Advisors. He previously worked at IAM Advisory LLC, Royal Alliance Associates, Inc., and Investment Advisors Asset Management, LLC. Outside of his advisory work, he provides notary services and offers clients assistance with Medicare supplement programs and various insurance products including life insurance and long-term care coverage. NewEdge Advisors is an enterprise-scale registered investment adviser serving individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations through a network of independent advisers. The firm provides a range of services such as portfolio management, financial planning, retirement consulting, and access to sponsored advisory programs, supported by centralized due diligence, technology tools, and a multi-structure investment platform.

Robert Brown is a financial advisor with Commonwealth Financial Network and Lehigh Valley Investment Group, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 34 years of industry experience, including 22 years at LPL Financial. Outside of advisory roles, he serves as Secretary and Treasurer of the Apple Wood Condominium Association. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and back-office services, including portfolio management, trading, compliance, and practice support, with discretionary model portfolios managed by its Investment Management and Research team.

Brenda Somers is a financial advisor at Janney Montgomery Scott with 16 years of industry experience and holds the Series 66 designation. She worked at Stifel from 2009 to 2019 before joining Janney Montgomery Scott in 2019. Outside of her advisory role, she serves as a consistory member at St. Peter's UCC in Northampton, PA. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, providing brokerage services, financial planning, consulting, and various advisory programs.

Melinda Stitt is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 65 credentials and 44 years of industry experience. She has worked with firms including Raymond James Financial and LPL Financial since 2009. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans with portfolio management, financial planning, and retirement consulting. The firm utilizes a fiduciary-based model offering both discretionary and non-discretionary services and employs a range of investment strategies through proprietary platforms and third-party managers.

Matthew Bowman is a financial advisor with Truist Advisory Services in Bethlehem, PA, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. He has worked with various Truist entities since 2016. Outside of his advisory role, he owns and rents out a residential property. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary and non-discretionary manager arrangements supported by advanced research and inter-affiliate integration.

Daniel Flood is a financial advisor at Truist Advisory Services with 35 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Cetera, PNC Wealth Management, and BB&T Securities prior to his current role. Flood serves as vice president and treasurer of Lauren's Hope Foundation, a nonprofit organization supporting brain-injured children. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm combines discretionary and non-discretionary manager relationships, leveraging third-party platforms and AI-enabled research tools to deliver fiduciary support and investment policy analysis.

Casey Giraud is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and six years of industry experience. He has worked at Commonwealth Financial Network and SteelPillars Financial since 2019. Outside of advisory work, he is involved in fixed insurance sales. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm offers a range of advisory programs and support services, enabling affiliated advisors to provide customized portfolio management and wealth planning solutions.

Brian Wagner is a financial advisor with J. W. Cole Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His career includes 15 years at Guardian Life Insurance Company and Park Avenue Securities before joining J. W. Cole Advisors in 2017. Outside of his advisory role, he is principal of Heritage Holdings of PA LLC, involved in fixed insurance sales. J. W. Cole Advisors, Inc. serves individual, high-net-worth, and institutional clients through a large network of independent advisers, offering fee-based portfolio management, financial planning, retirement services, and access to multiple investment platforms. The firm combines discretionary and non-discretionary account management using fundamental and technical strategies, alongside digital advice and third-party managers.

Phyllis Williams is a financial advisor with Guardian Life who holds Series 65 and Series 66 credentials and has 27 years of industry experience. She has worked with Guardian Life Insurance Company since 2024 and has been affiliated with Park Avenue Securities for 10 years. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a dually registered broker-dealer and SEC-registered investment adviser that serves individuals, pension plans, charitable organizations, and corporate clients with a range of brokerage, financial planning, and investment advisory services.

Pouran Esrafily is a financial advisor at Bankers Life Advisory Services, Inc. with four years of industry experience. She holds a Series 65 designation and has prior work experience at Ethan Allen. In addition to her advisory role, she is also an insurance agent specializing in Medicare supplements, nursing home care coverage, life insurance, and fixed annuities. Bankers Life Advisory Services, Inc. provides discretionary portfolio management and investment consulting primarily to mass-affluent and high-net-worth individuals, focusing on customized asset allocation, tax efficiency, and a combination of fundamental and technical analysis. The firm emphasizes individual client service and integrates investment advisory with affiliated broker-dealer and insurance entities.

Chad Erceg is a financial advisor with Commonwealth Financial Network in Bethlehem, PA, holding the ChFC® designation and Series 63 and 65 licenses. He has 18 years of industry experience, including 17 years at LPL Financial before joining Commonwealth and Lehigh Valley Investment Group in 2025. His other business activities include fixed insurance sales conducted at his branch location. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and back-office support, including investment management, technology, compliance, and practice-management services.

Rebecca Salabsky is a Series 66 licensed advisor with J. W. Cole Advisors, Inc. in Bethlehem, PA, with two years of industry experience. Her prior roles include positions at Mass Mutual Investors Services and MassMutual Life Insurance Co. She is also involved in fixed insurance sales and operates a DBA, Comprehensive Wealth Strategies. J. W. Cole Advisors is a large enterprise serving individuals, high-net-worth clients, and institutional accounts through fee-based portfolio management, financial planning, and retirement plan services. The firm offers a range of managed program options and access to third-party investment platforms, employing both fundamental and technical analysis strategies.

Justin Walter is a financial advisor with Janney Montgomery Scott in Bethlehem, PA, holding Series 63 and Series 65 credentials and having 15 years of industry experience. He has been with Janney Montgomery Scott since 2016. Outside of his advisory work, Walter is actively involved in youth sports coaching, serving as a basketball and baseball coach for multiple local youth organizations and participating as a board member in Lehigh Little League. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base ranging from individuals and families to municipal clients, offering brokerage services, financial planning, and advisory programs supported by in-house and third-party portfolio management.

Conrad Wyatt is a financial advisor with PNC Wealth Management, holding a Series 66 designation and 15 years of industry experience. He has been with PNC Investments since 2014, working in various roles within the organization. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account pilot for employees. The firm uses algorithm-driven risk assessments and delegates portfolio implementation to third parties, employing mutual funds and ETFs with annual rebalancing.