Deborah Sheehan is a financial advisor with Merrill, holding a Series 66 designation and 22 years of industry experience. She has been with Merrill since 1983. Merrill provides managed account services through the Select Portfolio Solutions program to a diverse client base, including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm integrates investment strategies from its Chief Investment Office with third-party managers and offers access to a broad range of financial products through its affiliation with Bank of America.

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 bringing 34 years of industry experience. His previous roles include work at Waddell & Reed, Inc. and various insurance carriers, as well as serving briefly as a FINRA non-public arbitrator. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management along with model portfolios and research from multiple sources.

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, holding a Series 66 designation and bringing 21 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and has been associated with Wells Fargo Bank NA and Wells Fargo Advisor, LLC since 2013, as well as Suntrust Investment Services, Inc. since 2007. Outside of her advisory role, she co-owns a pet care services business, Pawsome Time, LLC, where she oversees accounting and financials. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a range of financial products including insurance-related vehicles and bank deposit sweep options.

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 and has prior experience at Morgan Stanley and several hospitality-related companies. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management, tailored to clients' risk profiles and incorporating a mix of in-house and third-party investment 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 in Dresher, PA, holding a Series 66 designation and 18 years of industry experience. He has been with Equitable Advisors since 2007, previously affiliated with Axa Advisors, LLC during the same period. Outside of his advisory role, he operates an outside insurance brokerage business and serves as an administrator or executor of estates and trusts. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and various third-party asset managers. The firm utilizes a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to deliver client recommendations.

Albert Danish is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with LPL Financial since 2008. Danish is also involved in several investment-related activities, including roles with Guidepoint, Acrisure LLC (Doyle Alliance Group), and Golden Years Consultants. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers a wide range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, research, and technologies such as machine learning to support diversified investment strategies.

Patrick Markunas is a CFP® professional with eight years of industry experience. He is currently with Fisher Investments and has previously worked at TD Ameritrade, Hudl, and Charles Schwab. Fisher Investments serves institutional and private clients worldwide, offering discretionary portfolio management across multiple asset classes with a centralized investment decision process that incorporates quantitative and qualitative research.

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 a Series 66 designation and has previously worked at Bank of America and Merrill. He also has experience outside finance, having worked in catering for one year. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning, combining proprietary investment research and algorithmic tools to provide ongoing, tax-aware withdrawal strategies.

Steven Ogorman is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Royal Alliance Associates, Inc. since 2002. Outside of his advisory work, he is also involved as an insurance representative with Pinnacle Taxx. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, employing various tools and third-party platforms to manage portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Bryan Baker is a financial advisor with Wells Fargo Clearing in Philadelphia, PA, holding a Series 63 designation and 39 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he has partial ownership in a real estate business. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

David Smith is a financial advisor at Morgan Stanley with 27 years of industry experience. He worked at Goldman, Sachs & Co. for 22 years before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC in 2020. Outside of his advisory role, he owns Avier LLC, which holds the commercial rights to a musical titled *Little Things*. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools as part of its investment approach.

Justin Buffington is a financial advisor with Equitable Advisors in Bala Cynwyd, PA. He holds a Series 66 designation and has been with Equitable Advisors since 2025. Outside of his advisory role, he works part-time as a bartender at The Borough Pub. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charities, and institutions. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating as both an SEC-registered investment adviser and a broker-dealer.

Christopher Jackowski is a CFP® professional with nine years of industry experience. He is associated with Raymond James Financial and has previously worked at Merrill and Saint Joseph's University. Jackowski is also involved as an associate with Aspire Wealth Group in a support capacity. Raymond James Financial Services Advisors provides financial planning and investment consulting to individual investors, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and state and municipal entities. The firm offers tailored, primarily non-discretionary advisory services and maintains a notable presence in municipal and public finance through its affiliate network.

Sherman Hasselstrom is a financial advisor with J.P. Morgan Securities in Philadelphia, holding a Series 66 designation and five years of industry experience. He previously worked at Morgan Stanley from 2007 to 2023 before joining J.P. Morgan Chase Bank and J.P. Morgan Securities in 2023. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.