Frances Stanton Martinez is the Resident Director and Wealth Management Advisor at Merrill, where she has been serving clients since 2014. She focuses on building new client relationships and delivering wealth management services tailored to the needs of individuals, families, and businesses. Frances is a partner in The Callahan Pascua Group, applying her expertise in areas such as family wealth management strategies, retirement income planning, tax minimization, and college education planning. Frances holds multiple professional designations, including the Certified Investment Management Analyst® (CIMA®), which is awarded by the Investments & Wealth Institute™ in conjunction with The Wharton School, University of Pennsylvania. She also holds the Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) credentials. Frances earned her Bachelor of Arts degree in Interdisciplinary Studies with a focus on Political Science, Communication, and Psychology from San Diego State University and a Master of Business Administration from Alliant International University. In addition to her professional qualifications, Frances is fluent in Filipino and English. She is actively involved in professional and community organizations, serving as National Chair for the Investments & Wealth Institute™ Conference Committee beginning in 2024, and as President of the Merrill Women's Exchange San Diego Chapter for 2024–2025. Frances has also held leadership roles within the Merrill Women's Exchange and is a member of the La Jolla Woman's Club. Her personal interests include travel, music, tennis, yoga, scrapbooking, writing, and spending time with her family.

Matthew Loftus is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 credentials and has 17 years of industry experience. His prior firms include Merrill and M.S. Howells & Co. Outside of his financial advisory work, he coaches a hockey team through Upper Moreland Parks and Recreation. 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, corporations, and institutional clients. The firm emphasizes tailored planning and investment consulting using analytical tools and supports its clients through a broad network of advisors and specialized programs.

Barbara Rowens is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and over 21 years of industry experience. Her career includes 17 years at Ic Advisory Services, Inc., and longstanding roles with The Investment Center, Inc. and the School District of Philadelphia. She also operates Barbara Rowens Financial, which involves activities related to non-variable insurance commission trails. 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 a range of financial planning and investment management services through a large network of advisors and utilizes various platforms and third-party subadvisors.

Kimberly Stasen is a financial advisor at Wells Fargo Advisors with 31 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Wells Fargo entities since 2016. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including specialized areas such as business-owner transition and special-needs analysis, using proprietary research and tools for tailored client recommendations.

Michael Johnson is a financial advisor at Morgan Stanley with seven years of industry experience. He holds Series 63 and Series 66 designations and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2018. Outside of his advisory role, he has been involved with MRJ Sports, operating the basketball-related business Hoopaholics since 2004. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning that utilizes firm-approved planning tools and models, managing approximately $2.74 trillion in client assets.

Brett Osborn is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and has worked previously at National Comfort Products, State Farm, Giant Fitness, and Kutztown University. Outside of advising, he is involved in tax preparation and administrative work with Penn Wealth Accounting Group. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver personalized recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.

Doug Prosser is Vice President and Executive Planning Consultant at Fidelity Investments, where he has been serving since 2017. In this role, he partners with executives to help them understand and optimize their employer benefits, employing a consultative approach to tailor financial plans that align with their individual goals and objectives. Doug's career in financial services spans several roles and companies since 1994, including positions at Fidelity Investments, TIAA-CREF, TD Ameritrade, Waterhouse Securities, and L.C. Wegard. His experience includes financial consulting, wealth management advising, client relationship management, investment consulting, and branch management. Outside of his professional work, Doug enjoys boating, cars, fishing, spending time at the lake, motorcycles, and surfing.

Stephen Walker Jr. is a financial advisor at Ameriprise with over 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 1995. In addition to his advisory role, he owns WX3 Practice Management, a practice management business. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service that focuses on dependable income sources and tax-aware withdrawal strategies.

Scott Marshall is a CFP® with 29 years of industry experience, currently serving at Cambridge Investment Research Advisors since 2005. He has held roles at affiliated Cambridge entities since 2002. Outside of his advisory work, he serves as a board member of the Lenape Valley Foundation, a nonprofit organization in Doylestown, PA. Cambridge Investment Research Advisors, Inc. serves a wide range of individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services. The firm manages a multi-billion dollar asset base through thousands of financial professionals and provides access to multiple platforms and proprietary model strategies.

Richard Lepard is a financial advisor with Primerica Advisors in Chalfont, PA, holding Series 63 and Series 65 licenses and two years of industry experience. His prior work includes roles at Corelogic, Ice Mortgage Technology, Black Knight, and a long tenure with Primerica Financial Services dating back to 1999. Primerica Advisors manages a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-delivery strategies created by unaffiliated asset managers and provides support through BNY Mellon Advisors and Pershing for trade execution and custody.

James Korman is a financial advisor at LPL Enterprise with a Series 66 designation and one year of industry experience. His work history includes roles in education and marketing, with current teaching responsibilities at Lafayette College and involvement in language learning services through Kreyco Educational Services. He has also served in the U.S. Army Reserve. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm utilizes model-driven investment implementation and offers financial planning, access to third-party asset managers, and participation in a wrap program, while also facilitating insurance product sales through affiliated entities.

William Palisca is a financial advisor with OSAIC who holds Series 63 and Series 66 designations and has 25 years of industry experience. He has worked at James Startzell since 2000 and joined OSAIC in 2023. Palisca also operates a sole proprietorship under the name Legacy Financial Services Group, providing sales and service support to clients. OSAIC Wealth serves a diverse client base including retail investors, high-net-worth households, retirement plan sponsors, charities, and corporate clients. The firm employs a model-based investment process featuring portfolio optimization and multiple advisory platforms, supported by a broad affiliate network and private-equity ownership.

Trina Tirpak is a financial advisor at Fidelity with 19 years of industry experience. She holds the Series 66 designation and has worked previously at Wells Fargo Clearing Services LLC, RBC Capital Markets Corporation, and J. B. Hanauer & Co. prior to joining Fidelity. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios. The firm serves a diverse client base, including registered investment companies and charitable funds, and employs systematic methodologies with oversight controls to address conflicts of interest.

Gracelyn Paul is a financial advisor with Primerica Advisors holding Series 63 and Series 65 licenses. She has been working in the financial services industry since 2025. Outside of her advisory work, she has experience running Olive Oil Etcetera, a business she has operated since 2016. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-based strategies managed by third-party asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Bennett Zaba is a CFP® professional with eight years of experience in the financial advisory industry. He is currently with Cambridge Investment Research Advisors and has prior experience at The Vanguard Group, City National Rochdale, and self-employment. Outside of his advisory role, he volunteers as a coach for the Catholic Youth Organization (CYO) in Warminster, PA. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages assets on multiple platforms with discretionary and non-discretionary services and provides proprietary and third-party model strategies.

Lauren Dale is a financial advisor at Fidelity with 29 years of industry experience. She holds Series 63 and Series 66 licenses and has worked with Strategic Advisers and Fidelity Personal and Workplace Advisors prior to her current role. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional investors, as well as charitable funds and registered investment companies. The firm employs a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction, managing multi-manager and fund-of-funds structures and delivering model portfolios through systematic methodologies.

Matthew Cramer is a CFP® professional with 27 years of industry experience, currently serving as a financial advisor at Charles Schwab since 2013. He is also the managing principal of Cramer Management LLC, a business involved in the operation of a franchise branch. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by centralized custody and operational infrastructure.

Gerald Woolf III is a Series 66-registered advisor at LPL Enterprise with one year of industry experience. He previously worked at Saint Joseph's University and had an eight-year period outside the financial industry before joining LPL Enterprise. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, employer-sponsored retirement plans, banks, and other entities through a large network of investment adviser representatives. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and participation in a wrap program, alongside affiliated trust and insurance services.

John Ortolf is a CFP® and ChFC® credentialed financial advisor with 25 years of industry experience. He has been with Wells Fargo Advisors in Doylestown, PA since 2016. Outside of his role at the firm, he holds a majority ownership in JK Partners LLC, an investment-related business. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering a broad range of investment and financial planning services, including specialized planning for business-owner transitions, special needs, and divorce. Advisors use Wells Fargo's research and tools to develop tailored recommendations that clients may implement through various brokerage or advisory programs.

Michelle Heide is a financial advisor with Ameriprise, holding Series 63 and Series 65 credentials and 34 years of industry experience. She has been with Ameriprise and its affiliate firms since 2005. Outside of her advisory work, she serves on the board of the Hunterdon County Chamber of Commerce and participates in the Leadership Circle of Impact100 Hunterdon. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides written recommendation reports and ongoing advice on income sources and tax-aware withdrawal strategies.