James Unger is a CFP® professional with 37 years of industry experience, currently affiliated with Mass Mutual Investors Services since 2017. His prior roles include positions at Metlife Securities Inc., NewSquare Capital, LLC, and New England Securities. Outside of his advisory work, Unger is a musician who occasionally performs in a paid band and serves as a trustee for a coworker. Mass Mutual 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 financial planning engagements using firm-approved analytical tools.

Thomas Wagner is a financial advisor at OSAIC with one year of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including JPMorgan Chase Bank and J.P. Morgan Securities. Outside of finance, Wagner has been involved with Simply Bold Cafe. OSAIC serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients, offering both brokerage and advisory services through a multi-advisor platform. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supporting various strategies and third-party manager selections.

Ally Feinman is a financial advisor with RBC Capital Markets in Chadds Ford, PA, holding a Series 66 designation and 12 years of industry experience. She has been with RBC Wealth Management since 2014. RBC Wealth Management serves a diverse client base including individual investors, institutional clients, corporations, and charitable organizations. The firm provides a range of advisory programs with customized investment strategies implemented through in-house and third-party managers, supported by RBC’s capital-markets capabilities.

Roger Kent serves as a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill since 1994, bringing his extensive experience to multiple generations of clients nationwide. Before joining Merrill, he worked for four years at J.P. Morgan in its Private Banking Group. Roger provides comprehensive financial planning tailored to individual client needs, addressing retirement, wealth transfer, college savings, business succession, tax minimization, and liability management. He emphasizes establishing a strong financial foundation before examining investments, focusing on preparing clients for both likely and unlikely scenarios. His client base includes physicians, small business owners, retired couples, divorcees, and widows. He holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Roger earned a Bachelor's Degree in Business Administration with a concentration in Finance from Villanova University. He serves as a board member of the Villanova Blue White Scholarship Foundation and is actively involved in his community as a CYO Basketball Coach and president of Save Unborn Life. Born in Louisville, he resides in Chester Springs with his wife Melissa and their three children. Outside of work, Roger enjoys long distance running, playing basketball, and spending time with his family.

James Sterrett Jr. is a Financial Advisor at Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Throughout his career, James focuses on providing financial advice and wealth management services to his clients. He earned a Bachelor's Degree from the University of Mansfield Pennsylvania and completed a Master of Business Administration (MBA) degree from Drexel University. These academic credentials support his expertise in financial planning and investment management.

Brian Russo is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 22 years of industry experience. He previously worked at RBC Capital Markets Corporation for 15 years before joining LPL Financial in 2023. 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.

Matthew Greco is a financial advisor with Mass Mutual Investors Services based in Newtown Square, PA. He holds Series 63 and Series 65 licenses and has 20 years of industry experience, including prior roles at MetLife Securities Inc. and MassMutual Life Insurance Company. Outside of his advisory work, he is also licensed as a health and group health insurance agent. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, focusing on collaborative, goal-based planning using firm-approved analytical tools.

Derrick Arnold is a CFP®-certified financial advisor with nine years of industry experience, currently practicing at OSAIC. His prior roles include positions at Royal Alliance Associates, Citizens Securities, CUSO Financial Services, and Citadel FCU. Outside of advisory work, he is involved in insurance sales through Bala Financial Group and assists with tax preparation at Phoenix Tax Consultants. OSAIC serves a diverse client base, including retail investors, retirement plan sponsors, charities, and corporations, offering a broad range of brokerage and advisory services. The firm employs a model-based investment approach with portfolio optimization tools and supports multiple account structures and third-party strategies.

Jessica Skelton is a financial advisor with Osaic Wealth, holding Series 63 and Series 66 credentials and bringing 25 years of industry experience. Her prior roles include positions at Securities America Advisors, H. Beck, Inc., and Campisi Financial Network. Outside of her advisory work, she owns Ingredients for Wellness, LLC, where she coaches clients on holistic health and stress reduction through mindfulness strategies. Osaic Wealth serves a diverse range of clients, including retail investors, retirement plan sponsors, charities, and corporate entities. The firm offers both brokerage and advisory services with an investment approach centered on model-based asset allocation, portfolio optimization, and a multi-advisor platform that supports discretionary and third-party managed strategies.

Keith Ford is a financial advisor with Morgan Stanley in Berwyn, PA, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. His career includes roles at Morgan Stanley Smith Barney since 2009, Morgan Stanley Private Bank since 2015, Citigroup Global Markets in 2009, and Merrill from 2005 to 2009. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and analyses. The firm manages approximately $2.74 trillion in client assets and offers services directly and through corporate financial planning agreements.

Margaret D'agostino is a financial advisor at Merrill with 18 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2004. 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. The firm offers model-based and discretionary strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Evan Walker is a financial advisor at Vanguard Advisers with Series 63 and Series 66 designations and one year of industry experience. He has worked at several organizations, including Infinia Search, Inc. and The Vanguard Group, Inc. Outside of his advisory role, no additional notable activities are indicated. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with proprietary methodologies and primarily invests in Vanguard funds and ETFs, supported by a large-scale digital platform and a team servicing model.

Emil Barretta is a financial advisor at Fidelity with Series 66 and Series 63 licenses and four years of industry experience. Prior to joining Fidelity, he worked at The Vanguard Group and has experience in diverse roles including military service with the US Army Reserve. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Carleigh Conners is a financial advisor at Vanguard Advisers with a Series 66 designation and one year of industry experience. Her prior work includes roles at The Vanguard Group, Inc., Vanguard Marketing Corporation, and Versed Experts, as well as teaching positions at Shippensburg University and James Madison University. She is also involved with Limitless Philly. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, using a goal-based, algorithm-driven approach with portfolios largely constructed from Vanguard funds and ETFs. The firm serves a broad client base through digital delivery and a large network of advisors.

William Guinan Jr. is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials with nine years of industry experience. He has been with The Vanguard Group since 2018, following two years at Randstad. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach that utilizes proprietary methodologies to create personalized portfolios primarily composed of Vanguard funds and ETFs.

David Layo is a CFP®-certified financial advisor with 27 years of industry experience. He is currently with OSAIC and has previously worked at Lincoln Financial Advisors Corporation and Citadel Federal Credit Union. Outside of his advisory roles, he is a co-owner and financial planner at Capital Wealth Management Group, LLC. OSAIC Wealth serves a diverse client base including retail investors, high-net-worth households, retirement plans, charities, and corporations. The firm’s investment approach utilizes model-based asset allocation and portfolio optimization, offering both brokerage and advisory services through a multi-advisor platform.

Nancy Rainer Wallace is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in their Wayne, Pennsylvania office. She joined Merrill Lynch in January 2011 and has been a Wealth Management Advisor since 1982. Prior to her current role, Nancy held senior financial advisory positions at Morgan Stanley and UBS Financial Services. She specializes in delivering comprehensive financial advisory and wealth management solutions tailored to individuals, families, and businesses, considering factors such as risk tolerance, time horizon, liquidity needs, and investment goals. Nancy's expertise includes equity and fixed income portfolio management, retirement planning, annuities, pension and profit sharing services, life insurance, and asset allocation frameworks. She is also licensed in National Commodities Futures and holds FINRA registrations Series 3, 7, 63, and 65. Her professional designations include Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She attended Harriton High School, the University of Hartford, and the University of Miami. Nancy is involved with philanthropic organizations including The Ladies Committee for the Devon Horse Show and the Brandywine Conservancy for the Radnor Hunt Club, and she has served on the women’s board of the Philadelphia American Cancer Society. Nancy and her husband Jim formed the Wallace Rainer Group business partnership in 1995, and they reside in Devon, Pennsylvania with their two daughters. Her personal interests include baseball, billiards, boating, football, golfing, reading, spending time with family, and traveling.

Douglas Hepburn is a CFP® professional with 29 years of industry experience, currently with Cetera, where he has worked since 2013. He is president of Financial Workshops LLC, a financial education business, and founder and executive director of Lower Providence Jr Trap, a youth sports team organization. He also serves as an estate executor and holds a role as an insurance agent. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager investment platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Matthew Callaghan is a CFA® charterholder with 15 years of industry experience. He has worked at The Vanguard Group, Inc. since 2011 and is currently affiliated with Vanguard Advisers. Vanguard Advisers serves retail investors and eligible employer-sponsored retirement plan participants through a combination of automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach to portfolio construction, primarily using Vanguard funds and ETFs, and manages a large client base through its digital platform and team servicing model.

John Patsy is a financial advisor with LPL Financial, holding CFP® and Series 66 designations and 18 years of industry experience. He has been with LPL Financial since 2009. In addition to his advisory role, he is an agent involved with non-variable insurance through LTCi Partners, Crump. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves 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 a large network of investment adviser representatives.