Joshua Jenkins is a financial advisor with Mass Mutual Investors Services in Kennett Square, PA, holding a ChFC® designation and Series 63 and 65 licenses. He has 13 years of industry experience and has been with MML Investors Services since 2015. Outside of his advisory role, Jenkins is a managing partner of a short-term vacation rental business and is involved in insurance brokerage services. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, and charitable organizations. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative, goal-oriented planning without discretionary investment authority.

James Smith is a Series 66-licensed financial advisor with Morgan Stanley, based in Greenville, DE, with 23 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Andrew Baker is a financial advisor with Cetera and holds the CFP® and ChFC® designations as well as a Series 66 license. He has 14 years of industry experience, including prior roles at Securian Financial Services Inc. and Minnesota Life Insurance Co. Baker is also an author and conducts a side business buying and selling sports trading cards on eBay. Cetera Investment Advisers LLC is an SEC-registered advisory firm serving a broad range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers across various program structures.

Michael Connelly is a financial advisor at Wells Fargo Clearing with 36 years of industry experience. He has held roles at Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing, where he has worked since 2016. Connelly owns Greystone Ancillary Investment Group, an LLC based in Newtown Square, PA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of financial products than typical institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

Elise Laskas is a financial advisor at Morgan Stanley with 21 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory role, she is a partner at Big Barn Records, a media production business, and serves on the finance committee of the YWCA in West Chester, providing financial advice. Morgan Stanley Wealth Management offers a broad range of advisory programs to both individual and institutional clients, emphasizing structured financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services that include tailored financial planning and estate strategies.

Peter Zonino is a financial advisor with Mass Mutual Investors Services in Newtown Square, PA, holding a Series 63 designation and bringing 40 years of industry experience. His prior work includes roles at MetLife Securities Inc., New England Securities, and The Travelers. He is also an insurance agent involved in individual life, health, and group insurance. Mass Mutual Investors Services operates as a subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved analytical tools and delivers a range of investment and event-driven planning programs.

Nathan Leo is a financial advisor with LPL Enterprise, holding a Series 66 designation and five years of industry experience. He has previously worked with The Prudential Insurance Company of America and Pruco Securities LLC. Outside of his advisory role, he is an active member of IATSE Local 52 and is involved in social media activities through Garden State Time. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers a range of financial planning, advisory, and brokerage services supported by an integrated platform that combines adviser programs with insurance products and lending solutions.

David Forman is a financial advisor with Morgan Stanley in Greenville, DE, holding Series 63 and Series 65 licenses and with 29 years of industry experience. He has been with Morgan Stanley since 2013 in various roles. Outside of his advisory work, he is a partner at Forman and Berkowitz LLC, a real estate-related business based in Baltimore. Morgan Stanley Wealth Management offers a wide range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured discovery conversations and firm-approved planning tools but generally acts in an advisory capacity without providing individual security recommendations in standalone planning.

Kevin Connelly is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Lincoln Financial Distributors. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans 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 in its investment menus.

Annelise Chayka is a financial advisor at LPL Financial with 14 years of industry experience. She holds the Series 66 designation and previously worked for Lincoln Financial Advisors for six years before joining LPL Financial in 2022. In addition to her advisory role, she serves as an executor in a fiduciary capacity for the estate of Cynthia A. Chayka. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement consulting, supported by research and technology-driven solutions.

Vincent Gulotti III is a financial advisor with Wells Fargo Advisors, holding Series 63, 65, and 66 licenses and 19 years of industry experience. He joined Wells Fargo Advisors Financial Network LLC in 2020, following roles at Chatham Bay Group and Grace Inspired Ministries. Gulotti is also involved in investment-related business activities through partial ownership in multiple investment advisory firms in Wilmington, DE. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services using proprietary research and tools, with optional implementation through brokerage or advisory programs.

Gilbert Scarborough IV is a financial advisor with Wells Fargo Clearing in Wilmington, DE, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. His prior experience includes nine years at J.P. Morgan Chase Bank and over a decade managing his own investment entities. He also serves as a trustee on a family trust account. 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 broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Jennifer Sheppard is a financial advisor with Merrill in Wilmington, DE, holding Series 63 and Series 65 licenses and 23 years of industry experience. She has worked at Merrill since 2012 and Bank of America, N.A. since 2016. Outside of her advisory role, she provides bookkeeping support for a family-owned trucking company. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Jennifer Giles is a CFA® charterholder with 12 years of industry experience, currently serving as a financial advisor at RBC Capital Markets since 2021. Prior to joining RBC, she worked at Hays Talent Solutions and spent several years in homemaking. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles and investment preferences.

Carl Meister III is a financial advisor with Ameriprise, holding Series 63 and Series 65 credentials and 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 2011. Outside of his advisory work, he co-owns a horse farm, serves as Secretary on the Pennsylvania Hunt Cup Committee board, and works as a steeplechase race announcer. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations. The firm also offers a wide range of advisory, brokerage, and insurance solutions through its institutional platform.

Scott Chapin is a financial advisor with OSAIC, holding a Series 66 designation and 24 years of industry experience. He previously worked at Woodbury Financial Services Inc. for 10 years before joining OSAIC in 2024. Chapin is also the owner of The Chapin Group, a sole proprietorship involved occasionally in insurance needs for clients. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing a range of tools and third-party solutions to construct diversified portfolios tailored to client needs.

Alexander Stewart is a financial advisor with Mass Mutual Investors Services in Newtown Square, PA. He holds Series 65 and Series 63 licenses and has seven years of industry experience. Prior to joining Mass Mutual Investors Services in 2019, he worked at Saint Joseph's University and Familetti Contractors. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars using firm-approved tools and structured planning engagements.

David Broll is a financial advisor at Mass Mutual Investors Services with 24 years of industry experience. He holds a Series 63 designation and has worked at Mass Mutual Investors Services since 2017, following roles at MassMutual Life Insurance Company and MetLife Securities. Outside of his advisory work, he serves as vice president and trustee of the Tompkins Broll Family Foundation and is co-trustee of two family trusts. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser operating as a subsidiary of MassMutual. The firm provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers through annual collaborative planning relationships using firm-approved analytical tools.

Nicholas Martino is a financial advisor at Mass Mutual Investors Services with three years of industry experience. He holds the Series 66 designation and has worked with MML Investors Services LLC and MassMutual Life Insurance Co since 2022. Outside of advisory work, he is the owner of NJM Consulting LLC, an LLC used for business expenses. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management to individuals, business owners, trusts, estates, and charitable organizations. The firm offers collaborative, annual financial planning engagements and a range of investment programs and educational seminars.

William Cooney is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 35 years of industry experience. He previously worked at Bestvest Investments for 22 years and was involved in Cooney Storage for five years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios and research from internal and third-party sources.