Tony Lu is a Wealth Management Planning Consultant at Fidelity Investments, currently working to develop and implement comprehensive financial plans that are designed to build and preserve wealth for clients and their future generations. In this role, he collaborates closely with clients and Wealth Management Advisors to craft strategies that align with individual financial goals and legacy planning needs. Tony's career spans over fifteen years in the financial services industry, featuring a progression of roles at Fidelity Investments since 2008, including Senior Relationship Manager and Planning Consultant positions. Prior to joining Fidelity, he served as a Financial Advisor at Ameriprise Financial and worked as a Participant Service Representative at Merrill Lynch, providing him with a broad base of experience in wealth management and client advisory services.

William Sabia is a financial advisor with Morgan Stanley in Mount Laurel, NJ. He holds a Series 66 designation and has been with Morgan Stanley since 2026. Prior to joining the firm, he worked at True Search and spent time in education. Morgan Stanley Wealth Management serves individual and institutional clients, offering tailored financial planning and advisory programs supported by a structured planning process and a broad range of investment services.

Mesmin Pelerin is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 35 years of industry experience. He has previously worked at firms including Waddell & Reed, Ameriprise, Merrill, and PNC Wealth Management. He also served as a FINRA non-public arbitrator in 2021. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, managed portfolio programs, third-party asset management access, and institutional platforms, supporting a wide range of investment strategies and technologies.

Justin Eney is a financial advisor at Equitable Advisors in Bala Cynwyd, PA, holding a Series 66 designation with approximately one year of experience. His prior roles include positions at Mass Mutual Greater Philadelphia and unrelated work in education and fitness settings. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management primarily through a network of Investment Adviser Representatives and third-party advisory programs.

Nicole Orlowski is a financial advisor at UBS Financial Services with a Series 66 designation and three years of industry experience. Before joining UBS in 2021, she worked at Digital Dragon and Rat Sound Systems. Outside of her advisory role, she freelances as a live sound engineer for concerts and events in New Mexico. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and proprietary research to tailor client plans.

Sara Soucie is a financial advisor with Wells Fargo Clearing in Philadelphia, PA, holding a Series 66 designation and bringing 21 years of industry experience. Her prior work includes roles at Suntrust Investment Services, Inc., Chase Investment Services Corp., and Banc One Securities Corporation. Outside of her advisory work, she co-owns a pet care services business, Phoenix Waggy Tails, where she oversees accounting and financials. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Neil Newman is a financial advisor at UBS Financial Services with 46 years of industry experience. He holds Series 63 and Series 65 credentials and has been with UBS since 2009. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor advice to clients’ goals and risk tolerances.

Oluseun Onitiri is a financial advisor at RBC Capital Markets with one year of industry experience. He holds the Series 66 designation. Prior to joining RBC, he had roles at Morgan Stanley and several hospitality and legal firms. RBC Wealth Management serves a wide range of clients including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

Sara Egan is a financial advisor at Morgan Stanley with 13 years of industry experience. She holds a Series 66 designation and has previously worked at JPMorgan Securities, LLC and JPMorgan Chase Bank, N.A., in addition to earlier tenure at Morgan Stanley. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools, with an emphasis on client responsibility for plan implementation and updates.

John Owsiak is a financial advisor with Equitable Advisors, holding a Series 66 designation and 19 years of industry experience. He has worked at Equitable Advisors since 2007, including time under its prior name, Axa Advisors, LLC. Outside of his advisory work, he is involved in an outside insurance brokerage business and serves as an administrator, executor, or trustee for trusts and estates. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and various asset management programs. The firm utilizes a network of Investment Adviser Representatives and third-party managers, offering a range of investment options without sponsoring its own wrap fee program.

Patrick Markunas is a CFP®-certified financial advisor with nine years of industry experience. He is currently with Fisher Investments, where he has worked since 2021. His prior roles include positions at TD Ameritrade, Charles Schwab, and Hudl. Fisher Investments serves a global mix of institutional and private clients, offering discretionary portfolio management and sub-advisory services across equity, fixed-income, and blended mandates. The firm employs a centralized investment approach combining quantitative and qualitative research to construct diversified portfolios.

Monique Castillo is a financial advisor with Cetera in Philadelphia, holding a Series 66 license and 18 years of industry experience. Her prior roles include positions at Oppenheimer & Co Inc and Concourse Financial Group Securities Inc. She also operates a financial services business, Higher Ground Financial Services, offering investment and insurance services. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a variety of portfolio management and financial planning services, employing a multi-manager platform with access to affiliated and third-party managers.

Spencer Markoe is a financial advisor at Ameriprise with nine years of industry experience. He holds the Series 66 designation and previously worked at Bank of America and Merrill. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning through written recommendations and annual advice on income sources and tax-aware withdrawal strategies.

Steven Ogorman is a financial advisor with OSAIC based in Cherry Hill, NJ, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has worked at Royal Alliance Associates, Inc. since 2002. Outside his advisory role, he serves as an insurance representative for Pinnacle Taxx, a tax and investment-related business. OSAIC Wealth serves a diverse client base including retail investors, retirement plans, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm employs a model-based investment process with various portfolio management options and is noted for its scale, affiliate network, and private-equity ownership.

Bryan Baker is a financial advisor with Wells Fargo Clearing in Philadelphia, PA, holding a Series 63 designation and 40 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

David Smith is a financial advisor with Morgan Stanley in Philadelphia, PA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He previously worked at Goldman, Sachs & Co. for 22 years before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC in 2020. Outside of finance, he is the sole proprietor and officer of Avier LLC, which holds the commercial rights to the musical *Little Things*. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, offering tailored financial planning supported by firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and provides planning services both directly and through corporate agreements.

Justin Buffington is a financial advisor with Equitable Advisors in Bala Cynwyd, PA, holding a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, he was self-employed for four years and has worked in various roles including part-time bartender at The Borough Pub. Equitable Advisors serves individual clients across wealth segments, as well as pension plans, corporations, and nonprofits, offering financial planning, retirement consulting, and asset-management programs. The firm utilizes a combination of proprietary and third-party advisory models and emphasizes matching clients with suitable investment solutions based on risk tolerance and personal information.

Christopher Jackowski is a CFP® with nine years of industry experience, currently affiliated with Raymond James Financial. He previously worked at Merrill and spent three years at Saint Joseph's University. He is also associated as an employee with Aspire Wealth Group in a non-investment role. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm provides tailored, non-discretionary advice supported by analytical tools and maintains specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Sherman Hasselstrom is a financial advisor at J.P. Morgan Securities in Philadelphia, PA, with six years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley for sixteen years before joining JPMorgan Chase Bank, N.A. and J.P. Morgan Securities three years ago. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates both quantitative and qualitative research to develop model asset allocations and supports implementation through affiliated investment management entities.

John Shultz is a financial advisor at Wells Fargo Clearing in Philadelphia, PA. He holds a Series 63 designation and has been with Wells Fargo Bank, N.A. since 2011 and Wells Fargo Clearing since 2025. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.