Terence Kita is a financial advisor at Ameriprise with 24 years of industry experience. He holds the Series 66 designation and has been with Ameriprise and its affiliates since 2005. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized, written recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Jeffrey Bach is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and possessing 21 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wachovia Bank, N.A. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering investment policy development, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory process is IPS-driven, incorporates modern portfolio theory, and includes both discretionary and non-discretionary options, with a notable range of financial products including insurance-related vehicles and bank deposit sweep options.

Stephen Sharkey Jr. is a financial advisor with Cetera, holding Series 63 and Series 66 designations and 19 years of industry experience. He has worked at Cetera and its affiliates since 2021 and has prior experience with Voya Financial Advisors and Nationwide Securities. Outside of his advisory role, he is a partner and owner of Ondik Sharkey Insurance Group, which sells property, casualty, and employee benefits products. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets through more than 10,000 advisors.

Timothy Baltz is a financial advisor with LPL Financial based in Doylestown, PA, holding a Series 66 designation and 22 years of industry experience. He previously worked at Bank of America and Merrill Lynch for over a decade each. Baltz has a business entity, BIG INQ LLC, unrelated to investment activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and nonprofits through a national network of investment adviser representatives. The firm offers a range of advisory programs, including discretionary and non-discretionary management, and utilizes model portfolios and research to support diversified and tactical investment strategies.

Anthony Molettiere is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and seven years of industry experience. He has been with Primerica Advisors since 2018 and has prior experience with Primerica Financial Services, Guiseppes, Penn State, Koffee Korner, and ArtsQuest. His other business activities include sales of loan products and referrals for home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure, offering various investment models implemented through BNY Mellon Advisors.

Tara Klimes is a Planning Consultant at Fidelity Investments, where she has been working since 2021. She has been involved in financial services since 2014, with roles including Relationship Manager at Fidelity Investments from 2019 to 2021, Financial Advisor at Merrill Lynch, Pierce, Fenner from 2018 to 2019, Financial Advisor at Edward Jones from 2016 to 2017, and Client Associate at Merrill Lynch, Pierce, Fenner from 2014 to 2016. Her professional focus centers on assisting clients in achieving their financial goals through attentive listening, detailed analysis, and building long-term relationships. Tara emphasizes establishing authentic connections with clients to understand their unique situations, which supports advancing their financial objectives and strengthening client relationships. No information regarding Tara's education, credentials, personal interests, or community involvement was provided.

Kyle Pascale is a Financial Consultant currently working with Fidelity Investments. In this role, he focuses on helping clients strengthen their financial well-being through the development of holistic financial plans tailored to individual goals. Prior to his current position, Kyle served as a Financial Solutions Advisor at Merrill Lynch from 2011 to 2023. His professional experience spans over a decade in financial advisory services, emphasizing personalized financial planning and client-focused solutions.

Melissa Shoupe is a financial advisor at Morgan Stanley with 18 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and previously worked at Citigroup Global Markets. She holds a Series 63 designation. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and serves clients through direct and corporate financial planning arrangements.

Michael Ebert is a CFP®-designated financial advisor with Cambridge Investment Research Advisors, bringing 16 years of industry experience. Prior to joining Cambridge in 2020, he worked at Northwestern Mutual in various roles from 2009 to 2020. He serves as treasurer for both the Crossing Cooperative Nursery School and the Boy Scouts of America Troop 99. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent advisors, utilizing a range of portfolio management strategies and platform options tailored to client needs.

Matthew Margolis is a financial advisor at Raymond James & Associates with five years of industry experience. He holds the Series 66 designation and has worked at Raymond James since 2017, with additional experience at Temple University and Ursinus College. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets, serving a diverse client base including individuals, institutions, and municipal entities. The firm offers financial planning and advisory services that are typically non-discretionary, utilizing various portfolio management styles and in-house research.

Gregory Hayes is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been advising clients for over 35 years. He leads an advice-focused financial and investment advisory practice tailored to individual clients' needs, focusing on helping them manage their wealth to lead fulfilling lives, free from financial worry. His client base includes families, retirees, business owners, corporate executives, and institutions. Throughout his career, Gregory has been consistently recognized by major financial publications for his professional expertise, including Barron's Top 1000 and Top 1200 Financial Advisors lists spanning from 2010 to 2024, the Financial Times Top 400 Financial Advisors in 2014, and Forbes Best-in-State Wealth Advisors from 2021 through 2024. He holds the Personal Investment Advisor (PIA) designation and earned a bachelor's degree from Fairfield University. Gregory resides in Bucks County, Pennsylvania, with his wife of over 30 years and their three children, two of whom are involved in the family practice. Outside of his professional commitments, he engages in adventure sports, music, pickleball, surfing, swimming, and traveling, and has been active in his community through involvement in nonprofit boards and sports programs.

Manoj Muraleedharan is a financial advisor at Merrill with Series 63 and Series 65 credentials and three years of industry experience. He previously worked at J.P. Morgan Chase and Primerica Advisors and has a background in technology from his time at Cognizant Technology Solutions. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies designed for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Brooks is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds a Series 66 designation and has held positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Bank of America, Merrill, and UBS Financial Services. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

David Maharam is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its affiliates since 2007. He is based in Blue Bell, PA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and market-based modeling techniques.

Nikolai Gasiorowski is a financial advisor at Edward Jones with 19 years of industry experience. He has held his current position since 2014 and holds Series 63 and Series 66 designations. Outside of his advisory role, he is involved in a real estate rental business in New Hope, PA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a broad range of investment strategies and affiliated financial services, supported by a large network of advisors and branch offices.

Robert Krzyzkowski is a financial advisor at Fidelity with 19 years of industry experience and holds a Series 66 designation. He has worked with various Fidelity entities since 2006. Outside of his advisory role, he owns Cheesing It Up, a venture focused on video production and article writing. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver diversified model portfolios.

George Walloff is a financial advisor with Wells Fargo Clearing in Doylestown, PA, holding Series 63 and Series 65 credentials and 16 years of industry experience. He has been with Wells Fargo Clearing since 2016 and also has experience with Wells Fargo Bank and Wells Fargo Advisors dating back to 2014. 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 IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Leslie Crilley is a financial advisor at LPL Financial with 39 years of industry experience. She holds a Series 66 license and previously worked at UBS Financial Services for 12 years. Leslie is based in Washington Crossing, PA. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing a range of model portfolios and research resources.

Michael Costo is a financial advisor with Merrill, holding a Series 66 designation and having 21 years of industry experience. He has worked at Merrill since 1995. Outside of his advisory role, he is a co-owner of a family rental property business in Ocean City, New Jersey. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional clients.

Jeffrey Jacoby is a financial advisor at Ameriprise with 21 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing detailed recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and delivers services through a centralized consulting team in partnership with financial advisors like Jacoby.