Thomas O'Brien is a financial advisor with Cetera in Lansdowne, PA, holding Series 63 and Series 65 licenses and having 20 years of industry experience. He has operated O'Brien Financial Advisors, LLC since 2012 and has been associated with Cetera and Cetera Financial Specialists LLC since 2005. In addition to his advisory work, he is also a tax preparer for TAX TIME, a business he has been involved with since 1993. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with various program structures and custodial relationships.

Jason Scott is an Investment Consultant at Fidelity Investments, where he has been working since 2021. He specializes in providing insight and guidance to clients concerning investment planning and retirement accounts, helping them work towards their financial goals. Prior to his current role, Jason gained experience as a Relationship Banker at Wells Fargo from 2015 to 2021. He also worked as a part-time Field Representative at Primerica between 2014 and 2015, and held producer positions at American Income Life in 2008 and 2010-2011. These roles have contributed to his understanding of financial services and client relationship management. Outside of his professional career, Jason has personal interests that include art, fitness, parenthood, tennis, and writing.

Giovanni Diomede is a financial advisor with Merrill in Wilmington, DE, holding Series 63 and Series 65 credentials and 11 years of industry experience. His prior roles include positions at JP Morgan Securities LLC and Bank of America, N.A., as well as an academic role at Wilmington University. Merrill, alongside its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Kristen Weil is a financial advisor at Morgan Stanley in Newtown Square, PA. She holds Series 63 and Series 65 licenses and has one year of industry experience. Her prior experience includes roles at J.P. Morgan Securities, J.P. Morgan Private Bank, and Wedbush Securities, as well as multiple positions at Princeton University. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools to support its financial planning process.

Lori Rutkowski is a financial advisor with Osaic Wealth, Inc., holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She previously spent 27 years with Lincoln Financial Advisors Corporation before joining Osaic in 2025. Outside of advising, Lori also provides notary services in Delaware. Osaic serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a broad network of affiliated advisers. The firm offers integrated brokerage and advisory services, utilizing various asset-allocation tools, third-party managers, and managed-account solutions.

Patrick Dever is a financial advisor at Stifel with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Stifel Nicolaus & Co Inc since 2014. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach utilizes a proprietary methodology from its Investment Strategy Group, employing forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and planning.

Mark Mesco is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has one year of industry experience, with prior roles at Accurant Biotech and Mass Mutual Life Insurance Company. 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 financial planning, asset management, and educational seminars, using collaborative, software-assisted approaches to develop client recommendations.

Allyson Defruscio is a financial advisor at Morgan Stanley with four years of industry experience. She holds Series 63 and Series 65 credentials and previously worked at The Vanguard Group. Her background includes roles in education and fitness prior to entering the financial services industry. Morgan Stanley Wealth Management offers advisory services to both individual and institutional clients, providing tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers a broad range of investment programs.

Gennaro Vuono is a financial advisor at LPL Financial with 35 years of industry experience. He holds Series 63 and Series 65 credentials. His prior positions include roles at Bestvest Investments Ltd, where he worked for 12 years, as well as experience at Oppenheimer and Ryan Beck & Co. Vuono also served as an independent insurance agent for 14 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a range of advisory and brokerage services to 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, supporting over 22,800 advisors and managing more than $819 billion in discretionary assets.

Cody Gross is a financial advisor with Ameriprise in Exton, PA, holding a Series 66 designation and eight years of industry experience. He previously worked at Wells Fargo Advisors and Wells Fargo Clearing. Outside of advising, he serves on the Penn Tau Alumni Board of Sigma Phi Epsilon Fraternity and is involved with the West Chester University Marching Band as part of the instructional and coaching staff. Ameriprise Financial Services is a large diversified advisory firm serving both individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning with a non-discretionary implementation approach.

Daniel Maguire is a financial advisor with Mass Mutual Investors Services and holds a Series 63 designation. He has 33 years of industry experience, including prior roles at MetLife Securities and MassMutual Life Insurance Company. In addition to his advisory work, he assists customers with life settlements and the sale of life insurance policies. 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 provides financial planning, asset management, and educational seminars through collaborative, annual engagements.

Michael Crowley is a financial advisor with MassMutual Investors Services who holds a Series 66 designation and has six years of industry experience. Prior to joining MassMutual in 2019, he worked at Litemovers, LLC and was employed by Outback Steakhouse and West Chester University. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm provides a range of planning programs and educational seminars, utilizing firm-approved tools to deliver written recommendations.

Brad Corsi is a financial advisor at Mass Mutual Investors Services with one year of industry experience. He holds the Series 66 designation and has previously worked at MassMutual Life Insurance Co. before joining his current firm. Mass Mutual Investors Services 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 using firm-approved analytical tools and offers specialized planning services including divorce and estate-settlement planning.

Ravi Polu is a financial professional with 12 years of industry experience, currently affiliated with Cetera. He holds Series 63 and Series 66 designations and has worked at Cetera Wealth Services, Diamond State Financial, and Securian Financial Services. He is also involved in insurance sales as an agent and broker through Diamond State Financial Group. Cetera Investment Advisers LLC is an SEC-registered firm that offers a range of portfolio management, financial planning, and retirement services to individual, corporate, and institutional clients. The firm operates a multi-manager platform providing access to various investment strategies through discretionary and non-discretionary programs.

John Benson Jr. is a Series 66-registered financial advisor with Equitable Advisors, based in Bala Cynwyd, PA. He has five years of industry experience, including prior roles at Valic Financial Advisors, The Keyes Company, and Nordstrom Inc. Outside of his advisory work, he serves as a board member for the Greater Lambertville Chamber of Commerce and assists as an associate photographer for a local photography business. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, and charitable organizations. The firm’s approach emphasizes assessing client risk tolerance and matching clients with program models or discretionary managers, utilizing a combination of firm-offered and third-party asset management solutions.

Andrew Hunt is a financial advisor at Edward Jones with 39 years of industry experience. He has been with Edward Jones since 1999 and holds Series 63 and Series 65 designations. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment strategies, operating under a fiduciary standard.

Chad Stein is a Financial Consultant at Fidelity Investments, where he has been working since 2025. He brings over a decade of experience in the financial industry, having held various roles including Planning Consultant at Fidelity Investments from 2021 to 2024, Portfolio Analyst at BNY Mellon Wealth Management from 2019 to 2021, and Account Analyst at BNY Mellon Institutional Accounting from 2017 to 2019. Earlier in his career, he gained experience as an Investment Strategist Intern at Brinker Capital from 2013 to 2016. Chad graduated from the University of Pittsburgh with a focus in Finance and Economics and has completed the Certified Financial Planner designation. He applies his knowledge and experience to collaborate with clients in pursuing their financial goals and providing peace of mind. His work is driven by a passion for serving people and acting as a trusted advisor. Outside of his professional life, Chad has interests that include fitness, football, social events with friends, golf, music, and reading.

Michael Paolone is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has dedicated his entire financial services career to Merrill, where he has developed a strong client base by providing personalized wealth management strategies tailored to individual goals and market conditions. Michael emphasizes accessibility and regular portfolio reviews to ensure clients receive focused attention and support. His expertise includes divorce transition planning, education planning, family wealth management strategies, liquidity management, personal retirement planning, portfolio management, small business strategies, tax minimization, and retirement income planning. Michael holds a Bachelor's Degree from Widener University and an MBA in Finance with a concentration in Investment Management from Drexel University. He has earned several professional designations, including Chartered Retirement Planning Counselor™ (CRPC), Certified Plan Fiduciary Advisor® (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional work, Michael enjoys boating, golfing, skiing, and spending time with his family. His approach centers on working one-on-one with clients to develop personalized financial strategies designed to help pursue long-term goals.

Shelby Tennant is a financial advisor with UBS Financial Services in Greenville, DE, holding a Series 66 designation and six years of industry experience. Tennant has been with UBS since 2017 and previously worked at The Greene Turtle and the University of Delaware Education. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services and proprietary research to tailor investment strategies to clients' goals and risk tolerances.

Jared Kolinsky is a financial advisor at Merrill with Series 63 and Series 65 credentials and one year of industry experience. His prior experience includes roles at The Vanguard Group and Bryn Mawr Trust. Outside of finance, he worked at Yesterday's Creekside Tavern and Kelly's Security Services Inc. Merrill provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies developed by internal and third-party managers.