Dean Howe is a financial advisor with Cetera Wealth Services, holding Series 65 and Series 63 licenses and nine years of industry experience. He is also president of DC Howe & Company, CPA, LLC, where he provides tax preparation, bookkeeping, and accounting services. Additionally, Howe advises small business owners through Howe Financial Group Inc. and is a joint owner of a family home in Antigua used as a rental property. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers across various program structures.

Patrick Kinch is a financial advisor at Morgan Stanley with six years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2019. His prior experience includes a five-year tenure at JPMorgan Chase and a brief role at Kevin Smith Transportation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with tailored financial planning and a range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a planning process that includes structured discovery conversations and firm-approved tools.

Kristi Lucero is a financial advisor with Morgan Stanley in Philadelphia, holding Series 63, 65, and 66 credentials and 19 years of industry experience. She has been with Morgan Stanley and its affiliated entities since 2003, including roles at Morgan Stanley Private Bank, N.A. since 2018. Morgan Stanley Wealth Management offers a wide range of advisory programs for individuals and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Richard Massaux is a financial advisor with Morgan Stanley in Philadelphia, PA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His career includes roles at Morgan Stanley Private Bank and Wells Fargo Clearing, among others. Outside of advisory work, he is the owner of a restaurant bar in Philadelphia. Morgan Stanley Wealth Management is a large SEC-registered adviser and broker-dealer serving individuals and institutions with a range of advisory programs and financial planning services. The firm employs structured planning tools and offers extensive investment and financial solutions through its national platform.

Louis Mastragostino is a Financial Consultant currently working at Fidelity Investments since 2022. He assists clients in defining their financial goals, co-creating customized plans, and implementing strategies to support their financial well-being at various life stages. Prior to his current role, Louis worked as a Financial Advisor at Merrill Lynch from 2009 to 2022, gaining extensive experience in financial planning and advisory services. Details regarding his education, credentials, personal interests, or community involvement have not been provided.

Hayden Dupont is a financial advisor at Morgan Stanley with six years of industry experience. He holds a Series 66 designation and has held positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, MML Investors Services, Mass Mutual Life Insurance Company, The Vanguard Group, Inc., LiftForward Inc., and Building Blocks Lacrosse Club. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning using firm-approved tools and market simulations. The firm manages approximately $2.74 trillion in client assets and offers both direct individual plans and Corporate Financial Planning agreements.

Elizabeth Russell is a financial advisor with Wells Fargo Clearing in Philadelphia, PA. She holds Series 63 and Series 65 designations and has been with Wells Fargo Bank since 2018. Her prior experience includes roles at The Stonebarn and several short-term positions in the hospitality and auction industries. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm uses research and analytics from Wells Fargo Investment Institute and third-party sources, applying diversification principles and modern portfolio theory in its investment evaluations.

Fonda Markley is a CFP® with 16 years of industry experience, currently affiliated with Cetera. Her career includes roles at Wells Fargo Advisors and Morgan Stanley, as well as various positions within Cetera and its affiliated entities. Outside of her advisory work, she serves as communications director for the Give Music Tour for Torch Relay and is a board member of the Polar Bear Foundation, where she coordinates large fundraising events. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, model portfolios, and access to third-party managers.

Hannah Patrignani is a financial advisor with Raymond James & Associates in Philadelphia, PA, holding the Series 66 designation and one year of industry experience. Her prior work includes roles at Janney Montgomery Scott and various positions outside the financial sector, including in hospitality and beverage industries. Raymond James & Associates, Inc. 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, non-discretionary investment consulting, and specialized municipal advisory services.

Wendy Jershky is a financial advisor with Wells Fargo Clearing in Philadelphia, PA, holding Series 63 and Series 66 designations and possessing 29 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wachovia Bank, N.A. since 2002. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions, relying on research and analytics to support diversified investment approaches.

Douglas Di Sesa is a financial advisor with J.P. Morgan Securities in Philadelphia, PA, holding Series 63 and Series 65 licenses. He has 10 years of industry experience, all with J.P. Morgan entities since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative screens and qualitative research to build model asset allocations and may incorporate ESG criteria.

Kimberly Iannarella is a financial advisor at RBC Capital Markets with 26 years of industry experience. She has been with RBC Capital Markets Corporation since 2008 and holds Series 63 and Series 65 licenses. RBC Wealth Management serves a diverse client base including individual investors, institutional clients, corporations, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients' risk profiles, with access to both in-house and third-party investment managers.

Walter Bott Jr. is a Series 66-licensed financial advisor with eight years of industry experience, currently advising at Merrill since 2021. He previously worked at Bank of America and had roles at Verify Brand and Acsis Inc. Outside of his advisory work, Bott is the sole owner of an investment-related business and engages in residential rental property activities in Philadelphia. 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, and institutional investors.

Joseph Gill Jr. is a financial advisor with RBC Capital Markets in Philadelphia, PA, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. His career includes roles at City National Bank, Wells Fargo Clearing, and Wachovia Bank, N.A. He has been with RBC Capital Markets since 2017. RBC Wealth Management, a division of RBC Capital Markets, serves a broad client base ranging from individual investors to institutional clients and offers various advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to each client’s risk profile.

Thomas Jones is a financial advisor at LPL Financial with 11 years of industry experience. He holds the Series 66 designation and previously worked at Harbour Master Diversified Financial Services, Investment Advisors Asset Management, LLC, and OSAIC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutional clients. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Colin Wetherill is a financial advisor with J.P. Morgan Securities in Philadelphia, PA, holding the Series 63 and Series 65 designations and with 21 years of industry experience. He has been with JPMorgan SECURITIES LLC since 2005 and associated with Jpmorgan Chase Bank NA since 2016. Outside of his advisory duties, he serves as an unpaid member of the investment committee at Friends Select School. 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. The firm’s advisory approach combines quantitative screening and qualitative research with a forward-looking capital market framework, incorporating ESG considerations and leveraging affiliate services for implementation.

Paul Porter is a financial advisor with Wells Fargo Clearing in Philadelphia, PA. He holds Series 63 and Series 65 licenses and has 25 years of industry experience. He has worked at Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, 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.

Matthew Mayberry is a Financial Consultant currently working at Fidelity Investments. In this role, he collaborates with clients to develop personalized financial plans tailored to their unique goals and priorities. His work includes areas such as retirement planning, preparing for major purchases, fixed income strategies, tax-efficient investing, and education savings. He maintains ongoing relationships with clients to review their progress and adjust plans as goals and circumstances evolve. He has experience as an Investment Consultant at Fidelity Investments from 2024 to 2026. Prior to that, he served as a Platinum Relationship Manager and Financial Consultant at E*trade from Morgan Stanley between 2022 and 2024. He began his financial advisory career as a Financial Solutions Advisor at Merrill Lynch from 2018 to 2022. Outside of his professional role, Matthew enjoys spending time at the beach, watching football and movies, running, and traveling.

Philip Stern is a CFP® professional with 33 years of industry experience. He is currently with LPL Financial, having joined in 2024 after 26 years at Lincoln Financial Advisors. Stern is co-owner of Resource Group LLC, a business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management options, supported by technology and a broad network of investment adviser representatives.

Jennifer Lingad is a financial advisor with LPL Financial in Cherry Hill, NJ, holding a Series 66 designation and three years of industry experience. She has been with LPL Financial since 2017, following nine years at Verizon Wireless. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a variety of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a network of over 22,800 advisors.