Patrick D’agostino is a financial advisor with Ameriprise Financial Services LLC, holding a Series 63 designation and 28 years of industry experience. His previous roles include positions at Capitol Securities Management, Inc. and Boenning & Scattergood. Outside of his advisory work, he is co-owner of North Point Holdings LLC, where he is involved in property maintenance. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement-income planning, using a combination of investment research, third-party data, and algorithmic tools to provide tailored recommendations.

Robert Hayden is a financial advisor at Wells Fargo Clearing with 29 years of industry experience. He has held roles at Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing in 2016. He holds Series 63 and Series 65 licenses. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering a range of services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with options for discretionary investment management and a broader investment menu that includes insurance-related vehicles and bank deposit sweep programs.

Antoine Stewart is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 10 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC and Wells Fargo Bank, NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s process is guided by investment policy statements and modern portfolio theory, with a range of investment options including insurance-related vehicles and bank deposit sweep programs.

Owen Rahman is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Bank of America and Merrill for 14 years. Outside of his advisory role, he owns Brainiac Universe LLC, which provides tutoring and educational resources. Wells Fargo Clearing offers retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, using an IPS-driven approach grounded in modern portfolio theory. The firm provides both non-discretionary and discretionary services, including investment recommendations, performance reporting, and participant education, with an advisory process tailored to plan objectives and risk tolerances.

Kara Hopkins is a financial advisor at Fidelity with Series 66 and Series 63 credentials and two years of industry experience. Her prior experience includes roles at Vanguard and various positions in other sectors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, specializing in discretionary portfolio management, fund advisory, and algorithm-driven model portfolio construction.

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, LLC. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm emphasizes a structured planning process using firm-approved tools and primarily serves clients in an advisory capacity.

Elizabeth Kwoka is a financial advisor with Cambridge Investment Research Advisors, holding the ChFC® designation and Series 63 and 65 licenses. She has 17 years of industry experience, including prior roles at Legacy Planning Partners, Securian Financial Services, and Minnesota Life Insurance Co. Outside of financial advising, she owns accounting and bookkeeping service businesses. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a range of portfolio management and model-based solutions tailored to client objectives.

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 LLC based in Philadelphia, PA, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. His prior roles include positions at Merrill, Morgan Stanley, and Bank of America. Outside of his advisory work, he is also employed as a seasonal sales associate at Men's Wearhouse. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice and customized performance reporting through a select group of Wealth Advisors. The firm delivers its program on a non-discretionary basis, combining institutional advisory capabilities with brokerage and investment management functions.

Amar Bhatt is a financial advisor with Wells Fargo Clearing in Morrisville, PA, holding a Series 66 designation and 23 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC from 2014 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven and based on modern portfolio theory, serving a broad range of plan objectives with a notable inclusion of insurance-related vehicles and bank deposit sweep options.

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 with LPL Financial, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has been with LPL Financial since 2012. Outside of his advisory role, he is involved with alumni engagement at Gloucester Catholic High School. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs and financial planning services, utilizing both proprietary and third-party research and model portfolios.