William Howley V is a Series 66-credentialed financial advisor with eight years of industry experience. He has been with Equitable Advisors since 2018, following a prior role at AXA Advisors, LLC, and work in packaging and academia at Babcor Packaging and Penn State University. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and a variety of asset management programs through a network of Investment Adviser Representatives and third-party partnerships.

David Oblock is a Series 63–licensed financial advisor with Cambridge Investment Research Advisors, where he has worked since 2012. He has 40 years of industry experience and has held various leadership roles in non-public entities. Outside of finance, he has been a professional musician since 1978. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, and charitable organizations. It offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing both proprietary and third-party investment strategies across multiple platform arrangements.

Kyle Wagner is a financial advisor at Merrill with Series 63 and Series 65 licenses and two years of industry experience. He has held roles at Merrill since 2022 and previously worked at Bank of America, Luttner Financial Group, and KeyBank. 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, pension plans, corporations, and charitable organizations.

Donald Edmunds is a financial advisor at Edelman Financial Engines with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Mariner Wealth Advisors and Wilshire Associates. His background also includes experience with the US Postal Service and Air Star Trans & Limousine Service Inc. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm utilizes a committee-driven modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary investment management with a focus on diversified portfolios and long-term strategies.

Gerald Barkley is a financial advisor at RBC Capital Markets with 25 years of industry experience. He has held positions at Janney Montgomery Scott and has been with RBC Capital Markets since 2017. Barkley holds Series 63 and Series 66 licenses. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers multiple advisory programs and tailors investment strategies to clients’ risk profiles using a mix of in-house and third-party managers.

Darren Morningstar is a financial advisor at Morgan Stanley in Pittsburgh, PA, holding Series 63 and Series 66 licenses with 24 years of industry experience. He has been associated with Morgan Stanley and its related entities since 2009. Outside of his advisory role, Morningstar is involved in organizing sports memorabilia and autograph shows as a former professional athlete. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individual and institutional clients, managing approximately $2.74 trillion in client assets through a structured planning process that utilizes firm-approved tools and market simulations.

Madison Mortimer is a financial advisor with RBC Capital Markets in Pittsburgh, PA, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. Prior to joining RBC, Madison worked at Fidelity Investments, Bank of America, Merrill, and Jackson National Life Distributors. RBC Wealth Management serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, custody, and brokerage services, tailoring investment strategies to clients' risk profiles and utilizing both in-house and third-party investment managers.

Brett Pechersky is a financial advisor at Cambridge Investment Research Advisors with 26 years of industry experience. He holds a Series 66 designation and has been with Cambridge and its affiliated entities since 2013. Pechersky also teaches a non-credit adult education course called Seasoned Investors and serves as comptroller for Temple David Synagogue in Monroeville, PA. Cambridge Investment Research Advisors is a large SEC-registered firm serving a broad mix of clients, including individuals, pension plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals using a variety of portfolio management and model-based solutions.

Jeffrey Ruffing is a financial advisor at OSAIC with 20 years of industry experience. He holds the Series 66 designation and previously worked for Lincoln Financial Advisors Corporation for 10 years. In addition to his advisory role, he acts as an insurance agent offering various health, disability, and life insurance products, and is the sole owner of Ruffing Financial Services LLC, an entity used for business expense management. OSAIC serves a diverse client base that includes individual investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services with an investment approach utilizing asset-allocation tools, risk-tolerance assessments, and access to third-party money managers and managed account solutions.

Zachary Gallagher is a financial advisor at UBS Financial Services with four years of industry experience. He holds a Series 66 designation and has worked at several financial institutions, including LPL Financial and Northwest Bank. Prior to his advisory career, he spent seven years with ZMC Foods Division. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services and offers a broad platform including custody, underwriting, and alternative products.

Kathleen Corrales is a financial advisor with RBC Capital Markets in Pittsburgh, PA, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. She has been with RBC Capital Markets since 2013. Outside of her advisory role, she works as a driver for transportation services including Uber, Lyft, and Amazon Flex. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base ranging from individual investors to institutional clients, offering tailored portfolio management and financial planning through various wrap fee programs. The firm utilizes both in-house and third-party investment managers and emphasizes customizable investment strategies and integrated capital markets capabilities.

Payton Verzilli is a financial advisor with Equitable Advisors in Pittsburgh, PA, holding Series 63 and Series 66 licenses and four years of industry experience. Prior to joining Equitable Advisors in 2022, Verzilli held roles at Duquesne University and was involved with organizations including the Pittsburgh Riverhounds and Lake Mansfield Trout Club. Equitable Advisors serves a wide range of clients, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset management programs. The firm employs a model-driven approach and relies on third-party asset managers and advisory programs for implementation.

Jonathan Heller is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and 42 years of industry experience. He has been with Cambridge Investment Research Advisors and its affiliated entities since 2010. Outside of his advisory role, he is the owner of JG Heller Litigation Consulting, where he serves as an expert witness. Cambridge Investment Research Advisors is a large SEC-registered firm that provides financial planning, investment management, retirement plan advisory, and financial-wellness services to a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers various portfolio management options and employs both proprietary and third-party strategies, supporting a range of custody platforms and discretionary or non-discretionary investment approaches.

Brendan Whelan is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and five years of industry experience. His work history includes roles at Wells Fargo and prior positions in education at the University of Dayton and Fox Chapel Area High School. 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 supported by research from Wells Fargo Investment Institute and third-party sources.

Fallon Zecca is a Series 66-credentialed financial advisor at UBS Financial Services with one year of industry experience. Prior to joining UBS, Fallon has held roles at multiple firms and is involved in entrepreneurial activities including Vincents Pizza and The Om Lounge. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services to tailor investment plans based on proprietary research and model-based asset allocations.

Shane Downey is a Senior Financial Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Mr. Downey earned a Bachelor's Degree from the United States Military Academy and a Master's Degree from George Mason University.

Nicholas Ng is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and has worked at several firms including Citi and PNC. Outside of his advisory role, he serves on the board of directors and finance committee for the Greater Pittsburgh Arts Council, a nonprofit arts advocacy organization, and he advises Carnegie Foundry, a technology firm. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Julie Heckmann is a Wealth Management Advisor at Merrill Lynch Wealth Management with nearly three decades of experience in the industry. She specializes in retirement planning and focuses on creating sustainable retirement income strategies and structuring portfolios around these objectives. Julie's approach integrates clients' values and objectives to align financial planning with their life goals. She holds several professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), Certified Investment Management Analyst® (CIMA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Income Certified Professional® (RICP). Julie earned her bachelor's degree from Grove City College. Her expertise supports the development of custom income solutions that are resilient to market volatility and sophisticated portfolio strategies. In addition to her professional work, Julie is involved in community service with the Westmoreland County Food Bank. She enjoys cooking, bicycling, traveling, and spending time with her family.

John Zalewski is a financial advisor at Merrill with 26 years of industry experience. He holds a Series 66 designation and has worked at Merrill Lynch and Bank of America since 2009, following three years at UBS Financial Services. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Nathan Woods is a CFP® with 12 years of industry experience, currently affiliated with LPL Financial. Prior to joining LPL Financial in 2024, he spent 10 years at Lincoln Financial Securities Corporation. He is also the owner of an insurance agency specializing in life insurance in Bethel Park, PA. 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.