Michelle Hand is a financial advisor with Ameriprise in Philadelphia, PA, holding a Series 66 designation and 21 years of industry experience. She has been with Ameriprise and its related entities since 2005. Outside of her advisory work, she is a co-owner of Big Bear Realty and a silent partner in Helen St LLC, both entities involved in real estate holdings. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides clients with written recommendations and ongoing advice focused on reliable income sources and tax-aware withdrawal strategies.

David Waters is a CFP® and ChFC® with 45 years of experience in financial advising. He has been affiliated with Cetera and its related entities since 2018, following prior work at Private Advisor Group and LPL Financial. Waters owns multiple insurance and financial services businesses, including Professional Planning Associates, Inc. and Great Oak Financial, and serves as a moderator and speaker for CPA continuing professional education seminars. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and retirement services across multiple program structures and custodial relationships.

David Marsico is a CFP® professional with 20 years of industry experience. He is currently affiliated with Cetera and Diamond State Financial Group and has worked previously at BNY Mellon Advisors, Minnesota Life Insurance Co, and Securian Financial Services Inc. Outside of his advisory roles, Marsico owns business entities used for tax purposes. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering a range of portfolio management and financial planning services through a large network of independent advisors. The firm operates a multi-manager platform with various program structures and custodial relationships.

James Altieri is a financial advisor with Merrill in Philadelphia, PA, holding Series 63 and Series 66 licenses and possessing 33 years of industry experience. He has been with Merrill since 2017. 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 range of clients including individuals, high-net-worth clients, and institutional investors.

Geoffrey Walsh is a financial advisor at J.P. Morgan Securities with 26 years of industry experience. He holds a Series 66 designation and has been with JPMorgan Securities LLC since 2005 and JPMorgan Chase Bank NA since 2010. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their approach combines written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and an ESG eligibility framework.

Domenica Leitner is a financial advisor at Cetera with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with firms including Private Advisor Group, LPL Financial, and Cetera Advisors LLC. In addition to her advisory role, she is engaged as an insurance agent selling life, health, disability, and long-term care insurance, and she is involved with Professional Planning Associates, Inc. providing insurance and financial services. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform that includes affiliated and third-party model portfolios, with more than $256 billion in assets under management.

Lauren Zakarian Cogswell is a financial advisor with J.P. Morgan Securities in Philadelphia, PA, holding Series 63 and Series 66 licenses and having nine years of industry experience. Her prior roles include positions at Sotheby's and Masterworks Administrative Services LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting.

Alexander Lambros is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and has worked at various roles including positions at JPMorgan Chase Bank and involvement with nonprofit and educational organizations such as Metropolis Of Detroit Summer Camp and the University of Delaware. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory approach emphasizes written asset allocation advice, manager and fund searches, and customized performance reporting, supported by centralized due diligence and combining quantitative and qualitative research.

Matthew Ryan is a Series 66-licensed financial advisor with Merrill, based in Philadelphia, PA, and has seven years of industry experience. He has worked at Merrill since 2018 and Bank of America since 2019. Outside of his advisory role, he serves as committee co-president and event co-chair for The American Association for Cancer Research Foundation, where he oversees event planning and manages social media activities. 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 range of clients including individuals, high-net-worth investors, and institutional accounts.

Jane Lamay is a financial advisor with Wells Fargo Clearing in Philadelphia, PA, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and has been involved with HomeMaker since 2004. She also serves as a personal representative and holds power of attorney for her mother. 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, using research and analytics grounded in diversification principles and modern portfolio theory.

Robert Philpott is a financial advisor with LPL Financial in Mt Ephraim, NJ, holding Series 63 and Series 65 credentials and 18 years of industry experience. His prior roles include positions at Valic Financial Advisors and Agia. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions through a broad advisory platform offering financial planning, model portfolios, third-party asset management, and institutional services.

Seyoung Strohmeier is a financial advisor with Merrill, holding a Series 66 designation and 19 years of industry experience. She has worked at Merrill since 2005 and has been with Bank of America, N.A. since 2015. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Igor Harlap is a financial advisor with UBS Financial Services in Philadelphia, PA, holding Series 63 and Series 65 designations and 27 years of industry experience. He has been with UBS since 1998. Outside of his advisory role, he serves as Treasurer of the Russian American Chamber of Commerce of Philadelphia. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, offering a broad range of financial products and research to tailor strategies to client goals.

Brent Melrath is a Series 66-licensed financial advisor with 17 years of industry experience, currently with Wells Fargo Clearing since 2016. Prior to that, he held roles at Wachovia Bank, Equitable Advisors, and Ameriprise. He serves on the finance committee of the Oxford Area Neighborhood Services Center, reviewing financial statements as part of his involvement in the local community. Wells Fargo Advisors is a national firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by Wells Fargo Investment Institute research and third-party analytics.

Steven White is a CFP® and holds a Series 66 designation, with 12 years of experience in the financial industry. He is currently with Fisher Investments and has held prior roles at Fidelity Brokerage Services LLC, Bank of America, Merrill, and Morgan Stanley. Fisher Investments provides discretionary portfolio management and advisory services to a global mix of institutional and private clients, utilizing a centralized investment process that combines quantitative and qualitative research to construct diversified portfolios.

Matthew Boatmon is a financial advisor with Ameriprise in Wilmington, DE, holding a Series 66 designation and 28 years of industry experience. He has worked at Ameriprise and its affiliate since 2005. Outside of his advisory role, he serves as a substitute organist at St. Mark's Episcopal Church in Philadelphia and First and Central Presbyterian Church in Wilmington. Ameriprise offers retirement-income planning services aimed at individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations. The firm also provides a wide range of advisory, brokerage, and insurance solutions through its affiliated entities.

John Abbott is a financial advisor with Morgan Stanley in Philadelphia, PA, holding a Series 66 designation and nine years of industry experience. He has been with Morgan Stanley since 2016, including two years at Morgan Stanley Private Bank, N.A. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning and employing firm-approved tools and modeling techniques to assist clients in developing their plans.

Michael Delgaudio is a financial advisor at Fidelity with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Fidelity Investments since 2021. Prior to joining Fidelity, he was employed by Northwestern Mutual in various capacities from 2018 to 2021. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to create model portfolios using mutual funds, ETFs, and ETPs.

James Dotzman is a CFP® professional with 40 years of industry experience, currently affiliated with Ameriprise Financial Services. His prior work includes roles at RBC Capital Markets, Oppenheimer, and Piper Jaffray Investment Management. He holds ownership interest in Lemon Hill Capital Group, LLC, a non-investment-related business involved in leasing office space. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on written retirement-income plans and ongoing tax-aware withdrawal advice. The firm’s approach combines proprietary research and third-party data within a defined investment universe that includes affiliated product options.

Paul Mazurski is a financial advisor at Merrill with one year of industry experience. He holds the Series 66 designation and previously worked at Bank of America and Convene. Outside of his advisory role, he owns a part-time handyman service that provides residential maintenance support to friends and family. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.