William Burger III is a financial advisor with Mass Mutual Investors Services in Philadelphia, PA, holding a Series 66 designation and three years of industry experience. His work history includes roles at MML Investors Services, MassMutual Life Insurance Company, and Cohick & Associates, as well as an academic affiliation with Dickinson College. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars using firm-approved analytical tools and structured planning engagements.

Marco Testaiuti is a financial advisor with Morgan Stanley in Philadelphia, PA, holding Series 63 and Series 65 licenses and having nine years of industry experience. His career includes roles at Morgan Stanley Private Bank and Santander Securities. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning services, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools but generally does not provide individual security recommendations within standalone plans.

Elizabeth Kwoka is a ChFC® with 17 years of experience in the financial services industry. She has worked at Cambridge Investment Research Advisors since 2017 and previously held positions at Legacy Planning Partners, Securian Financial Services, and Minnesota Life Insurance Co. Outside of her advisory role, she owns businesses providing accounting, bookkeeping, and payroll services. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individual, pension, and charitable organizations by offering financial planning, investment management, and retirement-plan advisory services. The firm manages a multi-billion dollar asset base through thousands of financial professionals and provides access to multiple platforms, third-party advisors, and proprietary model strategies.

Daniel Kichline is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2006. He has more than 25 years of experience in the financial services industry. Prior to his current role, Daniel served as a Private Wealth Manager at Citigroup Global Markets Inc. from 2000 to 2006 and as a Financial Consultant at A. G. Edwards & Sons, Inc. from 1997 to 2000. Throughout his career, Daniel has focused on assisting clients in building financial plans tailored to their individual goals and circumstances. He holds a California Insurance License, which supports his work in financial consulting. Daniel emphasizes the importance of implementing solid financial plans to enable clients to enjoy their financial journeys.

Joseph Dougherty IV is a CFP® professional with 20 years of industry experience, currently serving at Wells Fargo Clearing since 2021. Prior to this, he worked at Edward Jones for seven years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Shawn Gies is a financial advisor at Morgan Stanley in Philadelphia, PA, holding a Series 66 designation with seven years of industry experience. He has been with Morgan Stanley since 2018 and previously worked at Barnes and Noble and Continuum Consulting Group. Outside of advising, he streams video games and chats on Twitch in his personal time. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and modeling techniques to support clients' financial goals.

Dylan Audi is a financial advisor with MassMutual Investors Services, holding a Series 66 credential and one year of industry experience. Before joining MassMutual, he worked for the U.S. House of Representatives and has roles at Sage Settlement Consulting and MassMutual Life Insurance Company. He also provides consulting services related to structured settlements and works as an insurance broker offering life, disability, long-term care insurance, and fixed annuities. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual planning engagements using firm-approved analysis tools and offers specialized programs including estate-settlement and employer-sponsored planning.

Derek Koffel is a financial advisor with Edward Jones in Springfield, PA, holding Series 63 and Series 65 credentials and 19 years of industry experience. Prior to joining Edward Jones in 2017, he worked at Kennedy Insurance Services and Raymond James Financial Services Advisors. Outside of his advisory work, he is a partner in a horse racing business, Aloha West Thoroughbred LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment advisory programs and notable capabilities, including a large network of advisors and affiliated services such as trust and securities-based lending options.

Frank Esposto is a financial advisor at Morgan Stanley with 41 years of industry experience. He holds a Series 63 designation and has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. He is based in Philadelphia, PA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as the Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations to model outcomes.

Grant Garvin is a financial advisor at Fidelity with four years of industry experience. He holds the Series 66 designation and has prior experience at Janney Montgomery Scott LLC. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Laura Bongard is a financial advisor at Merrill with 20 years of industry experience. She holds Series 63 and Series 66 securities licenses. Her work history includes roles at Merrill since 2015 and Bank of America, N.A. since 2018. 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.

David Rivers II is a financial advisor with J.P. Morgan Securities in Philadelphia, PA, holding Series 63 and Series 66 licenses and possessing nine years of industry experience. His prior experience includes roles at Merrill, Morgan Stanley, and Bank of America. Outside of his advisory work, he has also been employed as a seasonal sales associate at Men's Wearhouse. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s approach combines quantitative screens and qualitative research to build model asset allocations and incorporates affiliates for implementation and portfolio services.

Amar Bhatt is a financial advisor at Wells Fargo Clearing with 24 years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Clearing and Merrill in various roles since 2002. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and uses research-driven strategies grounded in diversification and modern portfolio theory.

Nicholas Joesten is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he helps individuals and families make informed decisions about their wealth through personalized financial planning and clear guidance. Nicholas works closely with clients to develop actionable strategies that align with their financial goals. His expertise includes education planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and tax minimization. Nicholas's practice is centered on understanding each client's financial situation through meaningful conversations and delivering tailored strategies that focus on preservation and growth of assets. He holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Nicholas earned a Bachelor's Degree from The Catholic University of America. Outside of his professional work, his personal interests include cooking, running, soccer, traveling, and watching movies.

Michele Lugiano is a financial advisor at LPL Financial with 30 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Merrill, Banc of America Investment Services, and Morgan Stanley prior to joining LPL Financial in 2012. Outside of his advisory role, Michele is involved in alumni engagement at Gloucester Catholic High School. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research tools and diverse investment strategies.

Barry Shatzman is a financial advisor with Wells Fargo Clearing in Philadelphia, PA, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He previously worked at Morgan Stanley Private Bank, National Association from 2015 to 2021. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

John Madzin Jr. is a financial advisor with Morgan Stanley in Philadelphia, PA, holding a Series 63 designation and bringing 42 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and serves clients through direct and corporate financial planning agreements.

Robert Farrell Jr. is a CFP®-certified financial advisor with 29 years of industry experience, currently with Raymond James & Associates since 2025. He previously worked at Janney Montgomery Scott for 16 years. Outside of his advisory role, he serves on the advisory board of a condominium association in Sea Isle City, NJ. 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—and provides a range of financial planning and consulting services supported by multiple portfolio management styles and affiliated research.

Thomas Roycroft is a financial advisor with Cetera who holds a Series 63 designation and has 34 years of industry experience. He has worked with Cetera and its affiliated entities since 2015 and serves as president of Roycroft Financial, an independent financial business. Cetera Investment Advisers LLC is an SEC-registered firm that delivers a range of portfolio management and financial planning services through a large network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers multiple program options and investment strategies, managing over $256 billion in assets across more than 10,000 advisors and approximately 800,000 clients.

James Turner is a financial advisor at Fidelity with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Merrill, Bank of America, and Citizens Securities. Fidelity's Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified portfolios. The firm is noted for its role advising registered investment companies and for its use of systematic methodologies and AI tools in portfolio management.