John Kramer is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to both individuals and institutional clients. The firm emphasizes tailored financial planning using structured discovery and approved tools, managing approximately $2.74 trillion in client assets.

Barbara Spitzlei is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 66 credentials and bringing 29 years of industry experience. Her work history includes roles at Wells Fargo Advisors, RBC Capital Markets, and UBS Financial Services. She is also involved as a paraplanner at KSP MLS LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on income sources and tax-aware withdrawal strategies.

Robert Clarke is a financial advisor at LPL Financial with 30 years of industry experience and holds Series 63 and Series 65 designations. He has been with LPL Financial since 2005. Clarke also operates RWC Investment Management, LLC, a separate business entity based in Doylestown, PA. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisers with research tools and a range of investment strategies.

Pascale Abi Khattar is a financial advisor at Merrill with 19 years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2007 and at Bank of America, N.A. since 2016. 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, retirement plans, corporations, and charitable organizations.

Joseph Ochotny Jr. is a financial advisor at Cetera with 28 years of industry experience. He holds the PFS™ designation and securities licenses Series 63 and Series 65. Prior to joining Cetera in 2025, he spent 27 years at Avantax Investment Services, Inc. He is also a certified public accountant with over 36 years of experience and serves on the board of directors for Meghan's Foundation, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered firm that offers a multi-manager investment platform serving individual, corporate, charitable, and institutional clients nationwide. The firm provides a range of portfolio management and retirement services through discretionary and non-discretionary programs, supported by a network of more than 10,000 advisors and over $256 billion in assets under management.

Angelo Capetola Jr. is a financial advisor at Stifel with 29 years of industry experience. He has held his current role at Stifel Nicolaus & Co. Inc. since 2009. He holds the Series 63 and Series 65 credentials. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, providing both brokerage and investment advisory services. The firm uses a proprietary methodology developed by its Investment Strategy Group to guide investment analysis and asset allocation.

David Owens is a financial advisor with Merrill and holds a Series 66 designation. He has 18 years of industry experience, including 17 years with Merrill and 18 years with Bank of America, N.A. Owens is also associated with Workrite. 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 a wide range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

David Marshall is a Certified Financial Planner® with 20 years of industry experience. He has been with UBS Financial Services Inc. since 2005. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, portfolio management, and distributes mutual funds and alternative products supported by proprietary research and capital market assumptions.

Frederick Daniels is a financial advisor at Raymond James & Associates with 13 years of industry experience. He holds a Series 66 designation and has worked at Raymond James since 2020, following four years at Wells Fargo Clearing. 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 and non-discretionary investment consulting through various advisory programs.

Michael Zollers is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing since 2016, with prior experience at Wells Fargo Bank NA and Citizens Securities, Inc. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. 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.

Scott Karkenny is a financial advisor with RBC Capital Markets in Conshohocken, PA, holding Series 63 and Series 65 credentials and over 34 years of industry experience. He has worked at RBC Capital Markets since 2012 and is also associated with City National Bank since 2021. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs with tailored portfolio strategies and integrates both in-house and third-party investment managers.

Christopher Chichilitti is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He has been with Cetera and its affiliate Cetera Investment Services since 2005. Outside of his advisory work, he co-owns a contract painting business and also works part-time as a travel agent specializing in planning trips to Disney World and Universal Studios. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers various portfolio management and financial planning services, utilizing a multi-manager platform that includes model portfolios, third-party managers, and customizable strategies across multiple program structures.

Philip Fiore III is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has worked previously at Wells Fargo Clearing Services LLC and Massachusetts Mutual Life Insurance Company. Since 2024, he has been associated with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers a broad range of investment and planning services.

Joseph Herron is a financial advisor with LPL Financial, holding a Series 66 designation and 23 years of industry experience. His career includes positions at several firms such as Citadel Federal Credit Union, Cetera, and TD Ameritrade. Herron is also involved with Ardent Investment and Retirement Solutions, a business related to his work at LPL Financial. 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 advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, with advice delivered through a large network of investment adviser representatives.

Nicole Maltese is a financial advisor with Wells Fargo Advisors who holds a Series 66 designation and has 11 years of industry experience. She has been with Wells Fargo Clearing since 2016 and joined Wells Fargo Advisors Financial Network in 2026. Outside of her advisory role, she serves as the treasurer for the Girl Scouts in West Chester, PA. 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, including niche areas such as business-owner transition and special-needs analysis, delivering tailored recommendations through meetings and written summaries.

Eric Tuller is a financial advisor with Cetera, holding Series 65 and Series 63 licenses and six years of industry experience. Prior to joining Cetera in 2024, he worked at Cambridge Investment Research from 2020 to 2024. He has also been involved in fixed insurance sales and financial advisory services through WealthBridge Financial. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, and institutional accounts, offering portfolio management, financial planning, and access to third-party money managers through a multi-manager platform.

Paul Markowich is a financial advisor with Equitable Advisors in Conshohocken, PA, holding a Series 66 designation and 22 years of industry experience. His prior experience includes roles at Firstrust Financial Advisors, Axa Advisors, and MSI Financial Services. He serves on the board of the Jewish Business Network, a business networking organization based in Philadelphia. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, charitable organizations, and other institutional clients. The firm delivers advice through a network of Investment Adviser Representatives and offers a range of programs including third-party asset managers and proprietary advisory models.

William Mundy is a financial advisor with Morgan Stanley in Berwyn, PA, holding a Series 66 designation and 24 years of industry experience. He has been with Morgan Stanley Smith Barney since 2012 and the Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, Mundy serves on the capital committee of the Aronimink Golf Club and is a member of the Advisory Board at Agnes Irwin School, focusing on issues related to girls' education. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and extensive resources. The firm manages approximately $2.74 trillion in client assets and serves clients through various specialized programs and financial planning strategies.

Alexander Reber is a financial advisor at RBC Capital Markets with a Series 66 designation and one year of industry experience. Prior to joining RBC, he worked at Hartford Funds Distributors and CVS Health. He has an educational background that includes time at the University of Michigan and Malvern Preparatory School. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers tailored to clients' risk profiles.

Kyle Ryan is a CFP® and ChFC® with seven years of industry experience. He is currently affiliated with LPL Financial and Menninger & Associates, where he has worked since 2018 and 2022 respectively. Outside of his advisory roles, he contributes as an article editor for LendEDU. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of solutions including financial planning, model portfolio programs, third-party asset management, and institutional platforms.