Stanley Minka Jr. is a ChFC® with 43 years of experience in the financial services industry. He is currently affiliated with Mass Mutual Investors Services and MassMutual Life Insurance Company, where he has worked since 2016 and 2017 respectively. Outside of his advisory role, he is involved in the National Association of Insurance & Financial Advisors where he coordinates educational programming for members. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning and asset management services using firm-approved analytical tools and offers event-driven planning programs including divorce and estate-settlement planning.

Robert Protesto IV is a CFP® professional with 18 years of experience in the financial services industry. He is currently with OSAIC and previously worked at American Portfolios Advisors, Inc., American Portfolios Financial Services, PSS Benefits, LLC, and BCG Securities. Protesto holds Series 63 and Series 65 licenses and operates an insurance agency focusing on fixed insurance products. OSAIC serves a wide range of retail and institutional clients, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm utilizes various asset-allocation tools and supports both discretionary and non-discretionary portfolio management, with access to multiple third-party money managers and platforms.

Donna Goldhorn is a financial advisor with Merrill in Bala Cynwyd, PA, holding Series 63 and Series 66 designations and bringing 46 years of industry experience. She has been with Merrill since 2006. 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 strategies for various client types including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Zachary Laidlaw is a financial advisor at Fidelity with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at TD Ameritrade. His background also includes a period devoted to traveling. Strategic Advisers LLC, a Fidelity Investments company where he works, provides investment management and advisory services to retail and institutional clients. The firm uses a combination of proprietary fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs, and it serves multiple registered investment companies and intermediary platforms.

Kyle Lucas is a financial advisor at Equitable Advisors with 14 years of industry experience. He has held roles at Equitable Advisors since 2014 and previously worked with AXA Advisors, LLC. Outside of his advisory work, he is a partner in Lucas Holdings LLC and is involved in servicing health and group benefit clients through Brewer Associates. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by offering financial planning, retirement plan consulting, and a variety of asset management programs. The firm utilizes a combination of proprietary and third-party advisory models and provides ERISA fiduciary services to qualified plans.

Matthew Mcdermott III is a financial advisor with Raymond James & Associates in Greenville, DE. He holds Series 63 and Series 65 licenses and has 31 years of industry experience, including 29 years with Raymond James & Associates. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Christopher Scoffone is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and four years of industry experience. His prior work includes roles at Creative Financial Group and MeFluence LLC, as well as involvement with Applebrook Golf Club. Mass Mutual Investors Services, LLC is a subsidiary of MassMutual that offers financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm provides collaborative, annual financial planning engagements using firm-approved tools and also offers specialized planning programs, including recent additions such as Divorce Planning.

Michaela Kowatch is a financial advisor with LPL Financial in Wilmington, DE, holding a Series 66 designation and six years of industry experience. She previously worked at Morgan Stanley Smith Barney, Raymond James & Associates, and Wells Fargo Advisors Financial Network. 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 range of advisory and brokerage services through a large network of investment adviser representatives and provides access to model portfolios, third-party asset management, and institutional platforms.

William Touey is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and over 26 years of industry experience. He has worked at LPL Financial since 2013 and has operated Touey & Co and Touey and Company LLC CPAs since 1994, where he serves as president of the CPA firm. Outside of his advisory work, he is involved in tax preparation and accounting through his CPA firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives and advanced operational tools.

Gian Mantakounis is a financial advisor with Equitable Advisors, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Envestnet and BNY Mellon, as well as five years working at Hills Quality Seafood. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, charitable organizations, and institutional clients. The firm utilizes a network of Investment Adviser Representatives and offers various program models and third-party advisory solutions.

Christian Reinecker is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been serving the wealth management needs of individuals, families, and business leaders since 1994. His practice focuses on developing personalized strategic solutions tailored to clients' long-term financial goals. Key areas of expertise include individual stock portfolio management, risk management, asset allocation strategies, retirement planning, stock option analysis, hedging and cash flow strategies related to concentrated equity positions, liability management, life insurance, wealth preservation, and estate transfer strategies. Christian holds a Bachelor of Science degree from Loyola College in Baltimore, Maryland. He has earned several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Originally from Washington, DC, he began his career in the DC area before relocating to West Chester, Pennsylvania, where he resides with his wife and four children. Beyond his professional work, Christian is actively involved in community and parish activities at St. Simon and Jude, where he volunteers and coaches. He participates in alumnae-supported events and various charitable organizations. His personal interests include golf, skiing, running and hiking, playing guitar, travel, and outdoor activities.

Matthew Evans is a financial professional at Cetera with seven years of industry experience. He holds a Series 66 designation and has worked at Cetera, Securian Financial Services Inc, and Diamond State Financial Group among other firms. Outside of his advisory role, he was involved with Big League Juices® from 2016 to 2019. Cetera Investment Advisers LLC serves a broad client base including individual investors, employer-sponsored retirement plans, and institutional accounts. The firm offers a range of portfolio management and advisory services through a nationwide network of over 10,000 advisors, utilizing both affiliated and third-party managers across multiple program structures.

Jacklyn Naselli is a financial advisor at MassMutual Investors Services with four years of industry experience. She holds a Series 66 designation and has worked at MassMutual Life Insurance Company since 2020. Outside of her advisory work, she is a property and casualty insurance representative involved in quoting personal and business insurance policies. MassMutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements supported by firm-approved analytical tools, with optional implementation of recommendations through separate brokerage or insurance arrangements.

Cody Rosier is a financial advisor with J.P. Morgan Securities in Newark, Delaware. He holds Series 63 and Series 65 licenses and has one year of industry experience. His prior roles include positions at Tristate Financial Advisors and Piazza JGLR Corp, as well as work outside the financial sector at Fred Beans Family of Dealerships and McCaffrey's Food Market. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Gary Ulrich Jr. is a CFP® professional with 11 years of industry experience, currently affiliated with LPL Financial. He previously worked at Lincoln Financial Securities Corporation for seven years before joining LPL Financial in 2022. 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 investment management solutions, including model portfolios, third-party asset management access, and institutional platforms.

William Stinger is a financial advisor with Mass Mutual Investors Services and holds the ChFC® designation along with Series 63 and Series 66 licenses. He has 27 years of industry experience, including tenure at Metlife Securities Inc. and Mass Mutual Investors Services. Outside of his advisory role, he is also an independent insurance agent specializing in individual and group life, health, and property/casualty insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, utilizing collaborative, annual planning engagements that focus on investment categories and strategies without discretionary authority.

Nicholas Valerio is a Financial Consultant currently working at Fidelity since 2023. In his role, he engages clients in discussions about their short- and long-term financial goals to develop tailored strategies through a holistic planning approach. Nicholas has experience in various financial advisory positions, including serving as an Investment Consultant at Fidelity from 2021 to 2023, Senior Sales Consultant at Vanguard from 2019 to 2021, Annuity and Retirement Savings Specialist at Vanguard from 2018 to 2019, and as a Licensed Associate at Vanguard from 2017 to 2018. His background encompasses investment consulting, annuities, retirement savings, and financial sales. Using the resources available at Fidelity and collaborating with his team, Nicholas aims to support clients and their families in achieving investment success.

Todd Anderson is a financial advisor at Morgan Stanley with 37 years of industry experience. He has held roles at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2013. Outside of his advisory work, Anderson serves as a board member and finance committee member for First State Squash, a youth sports and education organization in Wilmington, Delaware. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning supported by structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Jacob Halem is a financial advisor at Cetera with one year of industry experience. He holds the Series 66 designation and previously worked at Washington College and Koons Automotive Company. Halem is also involved as a financial advisor with Diamond State Financial Group, providing advisory services to assist clients with their financial objectives. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of over 10,000 advisors and manages more than $256 billion in assets.

Bryan Radcliff is a financial professional with 14 years of industry experience, currently with Cetera since 2023. He holds a Series 66 designation and has previously worked at Minnesota Life and Securian Financial Services. Radcliff serves as secretary on the board of DSFG Cares, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered firm that operates as a multi-manager platform serving individual and institutional clients nationwide. The firm offers a range of portfolio management and consulting services through a network of over 10,000 advisors.