Joseph Fermano is a financial advisor at OSAIC with 43 years of industry experience. He holds a Series 63 designation and has previously worked at firms including Securities America Advisors, SSN, Sorrento Pacific Financial, LPL Financial, and Ifmg Securities. Outside of his advisory work, he serves as Board Chair for St. Teresa Regional School in Runnemede, NJ, is a radio host, and is the author of a book featuring positive and inspiring quotations. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment process with a range of portfolio management options and supports various account types and third-party manager programs.

Benjamin Smith is a financial advisor with LPL Financial, holding a Series 66 designation and four years of industry experience. His background includes roles at Kestra Investment Services, the University of Delaware, and the NVRHS School District. 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, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by advanced operational tools and a large network of investment adviser representatives.

James Oconnor is a financial advisor at LPL Financial with 39 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously as an independent insurance agent and with Bestvest Investments. Outside of his advisory role, he spent ten years involved with Twisted Jims. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning and access to various model portfolio programs, with advice delivered primarily through a large network of investment adviser representatives.

Sean Allen is a financial advisor at Raymond James & Associates with three years of industry experience. He holds the Series 66 designation and has previously worked at CoastalOne and Rowan University. 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 municipalities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

James Travis Jr. is a Certified Financial Planner (CFP®) with 31 years of experience in the financial services industry. He has been with UBS Financial Services since 2011 and previously worked at Wells Fargo Clearing from 2004 to 2011. UBS Financial Services Inc. serves individual, corporate, and institutional clients by providing brokerage and investment advisory services, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a comprehensive platform of capital markets and lending solutions.

Sandra Stubbs is a Series 66-licensed financial advisor with 25 years of industry experience. She has been with Merrill since 2009 and previously worked at Banc of America Investment Services, Inc. from 2007 to 2009. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Cary Murphy is a financial advisor with J.P. Morgan Securities in Philadelphia, PA, holding a Series 66 designation and 23 years of industry experience. His prior firms include Wells Fargo Clearing, Credit Suisse Securities, William Blair, and A.G. Edwards & Sons. Murphy is also employed by JPMorgan Chase Bank, N.A., enabling him to offer bank products such as deposit and credit services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory process combines quantitative and qualitative due diligence to deliver non-discretionary asset allocation advice, investment manager searches, and customized performance reporting.

Jay Vincent Jr. is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on helping individuals and families make thoughtful, long-term decisions with their wealth through value-based investing and disciplined portfolio construction. Jay aims to understand each client’s unique goals, priorities, and financial circumstances to develop personalized investment strategies. Jay's client focus areas include executive compensation, services for endowments, foundations, and non-profits, legacy planning, personal retirement planning, philanthropic planning, portfolio management services, and socially responsible, values-based, and ESG investing. He holds a Bachelor's Degree from Rowan University and the Personal Investment Advisor (PIA) designation. Outside of his professional work, Jay is a devoted husband and actively involved in his church community. His faith influences his approach to leadership, stewardship, and service. Jay's personal interests include baseball, basketball, biking, bowling, chess, cooking, football, music, reading, and spending time with his family.

Ian Scheidemann is a financial advisor with LPL Financial, holding a Series 66 designation and four years of industry experience. His career includes roles at Cetera, Avantax Advisory Services, and Barth Tax & Financial Services, where he remains active in tax and financial planning. 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 advisory and brokerage services, utilizing a variety of investment strategies and tools alongside its extensive non-advisory financial activities.

Nicholas Combs is a financial advisor at Fisher Investments with nine years of industry experience. He holds Series 63 and Series 65 designations. Prior to joining Fisher Investments in 2025, he worked at SEI Investments Distribution Co and SEI Investments Management Corp, as well as The Vanguard Group, Inc. Fisher Investments serves institutional and private clients worldwide, including pension plans, foundations, investment companies, and high-net-worth individuals. The firm provides discretionary portfolio management using a centralized Investment Policy Committee that employs quantitative and qualitative research, tax-aware strategies, and risk management techniques.

Gabrielle Giannopoulos is a financial advisor at OSAIC with seven years of industry experience and holds a Series 66 designation. Her prior roles include positions at Lincoln Financial Advisors and Morgan Stanley. She also serves in a support role at Integrity 5 LLC, assisting registered representatives with trading and account management. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering a wide range of financial planning, advisory, and brokerage services through a multi-advisor platform. The firm utilizes a model-based investment process with portfolio optimization tools and offers both discretionary and advisor-managed strategies, supported by a complex network of affiliated broker-dealers, asset managers, and other financial entities.

Matthew Donnelly is a financial advisor at Equitable Advisors with 23 years of industry experience. He holds a Series 66 designation and has been with Equitable Advisors since 2003, previously associated with Axa Advisors. Donnelly serves as a board member for the Medford Lakes Colony, where he helps oversee community infrastructure and common area improvements. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers a range of advisory programs including firm-offered and third-party solutions, with a focus on matching clients to appropriate investment models and discretionary managers.

Christopher Sciarrino is a financial advisor with LPL Financial, holding a Series 66 designation and two years of industry experience. Prior to joining LPL Financial in 2025, he worked at BestVest Investments, Ltd. and Northwestern Mutual. He also has experience outside of finance through a seven-year role at America's Pie. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, combining a broad advisory platform with extensive non-advisory financial services.

Andrew Rifkin is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Morgan Stanley from 2008 to 2010. 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 operates at large scale with over $671 billion in assets under management and more than 14,000 financial advisors, offering both brokerage and advisory solutions.

Cheryl Plunkett is a financial advisor at Merrill with 21 years of industry experience. She holds the Series 63 and Series 66 licenses and has worked at Merrill since 2015, following three years at Morgan Stanley. Outside of her advisory role, she is involved part-time in skincare networking and sales with Rodan + Fields. 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 a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Bryan Messick is a financial advisor at Edward Jones with seven years of industry experience. He holds a Series 66 designation and previously worked at TD Bank NA and Franklin Mint Federal Credit Union. He serves as a board member at large for the Delaware County Estate Planning Council. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm provides a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Ryan O'Neill is a financial advisor at Raymond James & Associates with 19 years of industry experience. He holds a Series 66 designation and has been with Raymond James since 2016. Outside of his advisory role, he serves as a boys varsity soccer coach at WSSD in Wallingford, PA. 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, offering a range of financial planning and consulting services with non-discretionary implementation decisions left to clients.

Alfred Nicolosi is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. His prior work includes roles at Ameriprise Financial Services, Wells Fargo Clearing, and Waddell & Reed. In addition to his advisory work, he is an insurance agent affiliated with various carriers through W&R Insurance Agencies. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Adam Kaufer is a financial advisor with Cetera, holding the CFP® and ChFC® designations and 14 years of industry experience. He is also co-owner of Prism Financial Group LLC and serves as principal and CEO of Kaufer Financial, LLC, specializing in financial planning and wealth management. Outside of his advisory roles, Kaufer serves on the board of Fort Mifflin on the Delaware, a national historic landmark, and is a board member of the Navy League of the United States Philadelphia Council. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services delivered via multiple program structures, with access to affiliated and third-party managers and a multi-manager platform approach.

Samuel Biscotto is a CFP® with 13 years of industry experience and holds Series 63 and Series 65 licenses. He has worked at Fidelity Investments since 2022 and was previously employed at Vanguard from 2013 to 2022. He is associated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including IRS-qualified charitable funds and registered investment companies. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios and advisory services.