Joseph Pancerella is a financial advisor with UBS Financial Services in Philadelphia, holding a Series 66 designation and beginning his industry career in 2025. Prior to joining UBS, he worked at Mondrian Investment Partners from 2022 to 2025 and spent seven years in full-time education. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor solutions. The firm combines institutional trading capabilities with wealth management services and offers a broad range of capital markets and custody services.

Ronald Woods Jr. is a financial advisor at Wells Fargo Clearing with a Series 66 designation and three years of industry experience. He has held positions at Citizens Securities, LPL Enterprise, and The Prudential Insurance Company of America. Outside of his advisory work, he is involved in a shareholder corporation, WoodsBuilt, where he participates in company decisions and operations. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm uses research and analytics to support diversification-based investment strategies and provides both brokerage and advisory solutions.

Megan Maloney is a Series 66-registered advisor with J.P. Morgan Securities in Philadelphia, PA. She has been with J.P. Morgan since 2025, including roles at J.P. Morgan Private Bank and JPMorgan Chase Bank, N.A., and has no prior industry experience before 2024. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative analysis.

Jennifer Horan is a financial advisor at Morgan Stanley with 15 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Morgan Stanley Smith Barney LLC since 2017, following a year at Wells Fargo Clearing. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize structured discovery processes and firm-approved tools to support client planning needs.

Michelle Snyder is a financial advisor at Raymond James & Associates with 33 years of industry experience. She holds Series 63 and Series 65 credentials and previously worked at Janney Montgomery Scott for 16 years. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser overseeing about $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and municipal advisory services through a range of portfolio management styles and affiliated research.

William Cooney is a financial advisor at LPL Financial with 35 years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining LPL Financial in 2025, he worked for Bestvest Investments for 22 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions delivered through a large network of advisers.

Kenneth Carpel is a financial advisor at Cetera with over 58 years of industry experience. He holds the ChFC® and Series 63 designations and has worked previously at Voya Financial Advisors. He is also an insurance agent involved in the sales of fixed insurance products. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Ronald Goldberg is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 43 years of industry experience. He has worked with Pinnacle Wealth Advisors, LLC and Guardian Life Insurance Company, in addition to his long tenure at Cetera. He is a part owner of Pinnacle Wealth Advisors, LLC, a financial services firm. Cetera Investment Advisers LLC is an SEC-registered advisor serving a broad client base, including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and multiple program structures.

Michael Miller is a CFP® professional at OSAIC with 15 years of industry experience. Prior to joining OSAIC in 2025, he worked at Lincoln Financial Advisors for 10 years and held positions at Next Financial Group, Inc. and Cetera Advisors LLC. Outside of his advisory role, he is involved in supporting registered representatives and managing office operations through Integrity 5 LLC. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services utilizing a model-based investment process that incorporates asset allocation, portfolio optimization, and various program options such as Unified Managed Accounts and third-party money manager programs.

Analeigha Ortega is a financial advisor at Merrill with 12 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Merrill and Bank of America since 2018. Prior to that, she was employed by JP Morgan Chase Bank and JP Morgan Securities LLC from 2014 to 2018. Outside of advising, she assists with minor photography editing and administrative tasks for a family business and works occasionally at a plant shop involving retail and horticulture duties. 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 a range of individual and institutional investors.

Aurelio Decaro Jr. is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and City National Bank. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs with customized portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment resources.

Brandon Rosen is a CFP® with 15 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities in Philadelphia. He has worked at JP Morgan Chase Bank and JP Morgan Securities since 2019, following prior roles at Charles Schwab and Merrill. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screens and qualitative research to build model asset allocations, with an emphasis on ESG considerations and broad derivatives and commodities capabilities.

Ronald Donato Jr. is a CFP®-certified financial advisor with 29 years of industry experience. He is currently with Cetera and has previously worked at Avantax and 1st Global Advisors, among other firms. He also serves as Director of Financial Services at Alloy Silverstein Financial Services, Inc. Cetera Investment Advisers LLC is a nationwide SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a multi-manager platform offering portfolio management, financial planning, and various program structures.

David Vafiadis is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and having two years of industry experience. His prior work includes roles at MassMutual Life Insurance Company, Iconic Custom Construction, Saint Joseph's University, and Jackson Public Schools. 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 seminars, structuring its planning engagements as collaborative annual relationships using firm-approved analytical tools.

Joshua Broad is a financial advisor with Fisher Investments, holding Series 63 and Series 65 designations and possessing 25 years of industry experience. He previously worked at Oppenheimerfunds Distributor, Inc. for 19 years and Invesco Distributors, Inc. for one year before joining Fisher Investments in 2020. Fisher Investments serves institutional and private clients worldwide, including pension plans, foundations, investment companies, and high-net-worth individuals. The firm offers discretionary portfolio management across equity, fixed-income, and blended mandates, employing a centralized investment process that integrates quantitative and qualitative research, as well as tax-aware strategies and risk management techniques.

Mary Wood is a financial advisor at Morgan Stanley with 15 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2013. Outside of her advisory role, she operates a small business creating mailing labels, packaging merchandise, balancing books, and listing merchandise during after-hours. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize structured planning tools and industry research to model potential outcomes.

Christopher Bowden is a financial advisor with Charles Schwab who holds Series 63 and Series 66 licenses and has 20 years of industry experience. He has worked at Charles Schwab Bank and Charles Schwab since 2019 and was previously with Fidelity Personal and Workplace Advisors and FIDELITY Brokerage Services LLC. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm provides a combination of non-discretionary advisory recommendations and access to discretionary separately managed accounts, delivering investment guidance through multi-asset model portfolios and research-driven alternative investment options.

Lionel Perkins is a financial advisor at Edelman Financial Engines with four years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Horace Mann Investors, Trinity Wealth Securities, and Amazon. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines a committee-driven proprietary modeling process with planner delivery and online tools, offering diversified portfolios, discretionary and non-discretionary management, and operates as a fiduciary under ERISA and applicable DOL guidance.

Karl Foote is a financial advisor with Raymond James Financial in Cherry Hill, NJ, holding a Series 66 designation and 20 years of industry experience. He has been with Raymond James Financial since 2009 and also worked at Foote Financial, Inc. for 10 years, where he served as associate and co-branch manager. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary planning and consulting using analytical tools to support client goals and maintains advisory programs with specialized services such as municipal finance and SIMPLE IRA Employer Advisory & Consulting Services.

Arielle Washington is a financial advisor at Morgan Stanley with five years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank since 2018. Prior to her career in finance, she was employed at Express Employment Professionals and Nordstrom. Washington is also the CEO of Affirmated LLC, an online retail venture she registered but has not actively launched. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers tailored financial planning and advisory services, managing approximately $2.74 trillion in client assets.