Mark O'Leary is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 18 years of industry experience. He has been with Raymond James & Associates since 2014. Outside of his advisory role, he is a 25% owner of Station Place LLC, an entity that owns mixed-use rental property in Beaver, PA. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension plans, charitable organizations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, utilizing a range of portfolio management styles supported by affiliated research and model managers.

Antonia Podgorski is a financial advisor at Merrill with 28 years of industry experience. She holds a Series 66 designation and has been with Merrill since 1998. Outside of her advisory role, she owns and manages a sole proprietorship involved in barrel racing competitions, where she is responsible for the care and management of the horse. 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 for individuals, high-net-worth clients, and various institutional investors.

Ronald Powell is a financial professional with 24 years of industry experience, currently with Cetera. He holds a Series 66 designation and has worked at firms including Greater Allegheny Financial Group and Securian Financial Services. Outside of his advisory role, he serves as an agent and broker at Greater Allegheny Insurance Agency Inc and is involved with tax and accounting activities at Stowe Tax Accounting. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, 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, managing over $256 billion in assets.

Mirko Loncar is a financial advisor at Raymond James Financial with four years of industry experience. He holds a Series 66 designation and has worked at Raymond James Financial and affiliated entities since 2018. Outside of his advisory role, Loncar is a partner in a start-up limited liability company related to rental property investments, although the business is currently inactive. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual and institutional clients. The firm offers tailored, non-discretionary advisory services and supports its large advisor network with technology-driven analyses and specialized programs, including municipal advisory and SIMPLE IRA employer consulting.

Melissa Gutherie is a financial advisor at Merrill with 11 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2021, following four years at PNC Investments. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Eric Hansen is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 credentials and has 32 years of industry experience. Since 2013, he has been associated with Raymond James Financial Services and also owns several companies including Covenant Annuity and Insurance and Covenant Financial Advisors. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a wide range of clients including individuals, high-net-worth clients, institutions, and charitable organizations. The firm provides tailored, non-discretionary planning and analytical tools to support client goals and maintains specialized programs such as municipal advisory services and SIMPLE IRA employer consulting.

Brian Spencer is a financial advisor at Merrill with 25 years of industry experience. He has been with Merrill Lynch since 2002 and holds Series 65 and Series 66 licenses. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Vickie Barilaro is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. She has worked with Raymond James since 2014 and previously spent nine years at Merrill. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, drawing on a variety of portfolio management styles and affiliated research.

Toni Sacco is a Wealth Management Advisor and First Vice President with the Larsen Group at Merrill Lynch Wealth Management in Sewickley, Pennsylvania. She has been with Merrill since 2001, beginning her career as a Registered Client Associate before becoming a financial advisor. Toni specializes in assisting high-net-worth individuals, families, business owners, and corporate executives with a wide range of financial strategies, including college education planning, divorce transition planning, executive compensation, equity compensation services, family wealth management strategies, managing new wealth, personal retirement planning, and socially responsible investing. She has particular expertise in working with women business owners and clients experiencing significant life transitions such as marriage, divorce, retirement, or loss of a loved one. Toni holds a Bachelor's degree in Finance from Robert Morris University. She is a CERTIFIED FINANCIAL PLANNER4 certificant, a Certified Divorce Financial Analyst4, and holds the Chartered Retirement Planning Counselor4 designation. She is affiliated with several professional organizations, including the Association of Divorce Financial Planners, Financial Planning Association, Institute for Divorce Financial Analysts, and the International Academy of Collaborative Professionals. Toni's client service approach emphasizes a disciplined wealth management process that evolves with clients' changing lives and priorities. She is known for providing clear explanations of strategies to help clients become informed and confident stewards of their wealth. Originally from Pittsburgh, Toni remains active in her community through volunteer work with organizations such as the Junior League of Pittsburgh and the Make-A-Wish Foundation. She has been recognized by the Junior League of Pittsburgh as Junior Leaguer of the Year in 2020. Outside of work, Toni enjoys gardening, genealogy, reading, running marathons, and spending time with her family and her dogs, Reggie and Maxwell.

Robert Lewis is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 27 years of industry experience. He has worked at Merrill since 1999. Outside of his advisory role, Lewis serves as Treasurer for the St. Vincent De Paul Society in Beaver, Pennsylvania. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutions, and charitable organizations—and offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Bernadette Brown is a financial advisor with OSAIC holding a Series 63 designation and 43 years of industry experience. Her prior experience includes 14 years with Securities America Advisors, Inc. She is also involved as a registered representative with Canella Financial Group, a financial advisory firm operating as an S corporation. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides a range of integrated brokerage and advisory services supported by multiple platforms and analytical tools to construct diversified portfolios that may incorporate various asset classes and management options.

Eric West is a Series 66-registered financial advisor with Thrivent Investment Management in Clinton, PA, where he has worked since 2026. Prior to joining Thrivent, he spent ten years with Community Consolidated School District #62 and nine years with Trinity Lutheran Church. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors, focusing on goal-based analyses and broad financial planning topics without portfolio management for institutional clients.

Eric Lewis is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career in financial services in 2005 with The Larsen Group as a Client Associate before advancing to an Investment Associate. In 2007, Eric became a Financial Advisor and has since played a key role in developing and maintaining client relationships. He utilizes his knowledge of resources available through Merrill and Bank of America, including credit and lending services, to support his clients' financial needs. Eric’s expertise includes discretionary portfolio management, investment strategies, and assisting business executives and entrepreneurs with 401(k) plan offerings and employee education. His client focus areas span college education planning, divorce transition planning, equity compensation services, institutional investment consulting, legacy planning, personal retirement planning, portfolio management services, small business strategies, and tax minimization. Eric holds several professional designations, including the Certified Investment Management Analyst® (CIMA), Chartered Retirement Planning Counselor™ (CRPC), and Certified Plan Fiduciary Advisor® (CPFA). He earned his bachelor’s degree in Finance from Slippery Rock University in Pennsylvania. Outside of his professional work, Eric lives in Prospect, Pennsylvania with his wife and two children. He enjoys a range of personal interests such as biking, cooking, football, golfing, hiking, music, scuba diving, skiing, surfing, and volleyball.

Stephen Vivis is a Series 66-licensed financial advisor at Fidelity with one year of industry experience. His prior work includes roles at Somerset Trust Company and various positions in education and retail. He also has experience working in small business operations. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to both retail and institutional clients, utilizing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction.

Jason Curran is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He previously worked at BNY Mellon Investor Solutions, LLC and spent over a decade at Morgan Stanley Alternative Investment Partners. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Christopher Crayton is a CFP® professional with 12 years of experience in the financial services industry. He is currently affiliated with LPL Financial and has previously worked at firms including Cambridge Investment Research, Cantella & Co., Raymond James Financial Services, and Commonwealth Financial Network. Outside of his advisory work, he is involved with J Cubed Financial Advisory Group, Inc., an entity related to his business activities with LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and brokerage services, with access to model portfolios, third-party subadvisors, and technology-supported strategies.

Jamie Patten is a financial advisor with Osaic who holds Series 63 and Series 65 licenses and has 24 years of industry experience. He previously worked for Lincoln Financial Advisors Corporation for 10 years before joining Osaic in 2025. Outside of his advisory role, Patten is an insurance agent offering various insurance products including health, disability, and fixed annuities, and he is a co-owner of a financial services LLC. OSAIC Wealth, Inc. serves a diverse range of clients including individuals, high-net-worth investors, and institutional entities through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and third-party solutions to construct diversified portfolios managed on both discretionary and non-discretionary bases.

Kathleen Manickas is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Raymond James & Associates. Her prior roles include positions at Nellcom Technologies LLC and Cottrill, Arbutina & Associates. Outside of her advisory work, she is a parish council member of Kimisis Tis Theotokou Greek Orthodox Church. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Heath Kaydo is a financial advisor at Thrivent Investment Management with 14 years of industry experience. He holds Series 63 and Series 65 designations and has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2011. Kaydo serves as a board member for Al's Bike Drive, a nonprofit that raises funds to donate bicycles to the Marine's Toys for Tots Program. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based analyses and enables clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan,” while keeping planning and portfolio management services separate.

Sarvey Canella is a CFP®-designated financial advisor with over 32 years of industry experience. He has worked at OSAIC since 2024 and previously spent 14 years at Securities America Advisors and Securities America Inc. Canella is president of Canella Insurance Agency, Inc., which focuses on fixed insurance products, and he teaches financial education classes at a local community college. OSAIC serves a diverse client base including individual investors, institutions, and charitable organizations, providing integrated brokerage and advisory services through a wide network of affiliated advisors. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to build portfolios across various asset classes, offering both discretionary and non-discretionary management options.