Christopher Rall is a financial advisor with Morgan Stanley Wealth Management in Newtown Square, PA. He holds Series 63 and Series 65 licenses and has 28 years of industry experience. His tenure includes over a decade with Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. 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 employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Thomas Cooney is a financial advisor with LPL Financial in Wilmington, DE, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. His prior roles include two decades at PNC Investments and two years at J.J.B. Hilliard, W.L. Lyons, LLC. Outside his advisory work, he is involved with Momentum Insurance Services, providing non-variable insurance services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning and third-party asset management, with a platform supporting strategic, tactical, and customized investment approaches.

Craig Hacker is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has more than 38 years of experience specializing in investment, retirement, wealth transfer, and business succession planning for high-net-worth families, individuals, and business owners. Craig focuses on helping clients pursue long-term financial goals through personalized wealth management strategies that reflect their full financial picture. His approach includes goals-based wealth planning and uses tools like Monte Carlo simulation to assess the probability of achieving clients’ objectives over their lifetimes. Craig holds the Chartered Retirement Planning Counselor™ and Personal Investment Advisor designations. He earned a B.S. in Accounting from Pennsylvania State University and an MBA in Finance from Temple University. While he does not provide legal or tax advice, he collaborates closely with clients’ attorneys and tax advisors to integrate all financial and legal considerations into comprehensive wealth and estate plans. He lives in Malvern, Pennsylvania with his wife, Maribeth. Craig is an active member of Paoli Presbyterian Church and the North American Hunting Dog Association. He enjoys training and hunting with his German Pointers, and spending time with his three children and six grandchildren.

Kathy Bauers is a financial advisor at Ameriprise with 28 years of industry experience. She has held positions at Ameriprise and Ameriprise Financial Services, Inc. since 2005. Bauers is a co-owner of P Two P, LLC, where she manages an advisory business. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendations through a centralized consulting team.

Stephanie Smith Christiano is the Senior Resident Director at Merrill, where she has built a career spanning over 28 years. She began her journey with the firm through a college internship and joined full-time in 1998. Stephanie focuses on working with families to help them define and achieve their financial goals through regular meetings to assess progress and adjust plans as needed. Her approach emphasizes building strong relationships with clients and professional partners to simplify financial decision-making. Stephanie holds a Master's degree from Wilmington College and a Bachelor's degree from Wesley College. She has earned 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). Her areas of expertise include college education planning, personal retirement planning, employee financial health, women and wealth, tax minimization, and retirement income. In addition to her professional work, Stephanie is involved in her community as a board member of First State Ballet and a trustee of Delaware Hospice. She also volunteers with the Ronald McDonald House of Delaware. Residing in Delaware with her husband, a teacher, and their daughter, Stephanie balances her professional responsibilities with spending time with her family, cooking, and traveling.

Matthew Kelleher is a financial advisor at Fidelity with one year of industry experience. He holds the Series 66 designation and has prior work experience including roles in higher education at Millersville University, Malone University, and Maryville College. Fidelity Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is noted for its advisory roles to registered investment companies, use of systematic methodologies, and implementation of AI and algorithmic tools in its investment research.

Connor Davis is a financial advisor with Mass Mutual Investors Services in Newtown Square, PA, holding a Series 66 designation and seven years of industry experience. His career has been with Mass Mutual affiliated entities since 2017. Outside of his advisory role, he is a property and casualty insurance broker and owner of a financial planning LLC. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm’s approach emphasizes collaborative annual planning engagements using firm-approved analytical tools to recommend investment strategies without discretionary authority.

Gerald Dowling is a financial advisor at LPL Enterprise with six years of industry experience and holds the Series 66 designation. His prior work experience includes roles at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of advisory work, he has experience in the insurance agency sector through Prudential Sponsored Non-Variable Insurance. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and insurance products through affiliated entities.

Paul Miller is a financial advisor with Equitable Advisors in Wilmington, DE, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has worked at a number of firms including Penn Investment Advisors Inc. and VOYA Financial Advisors, Inc. He serves as Vice Chairman of the Delaware District for the US Tennis Association, promoting the game of tennis. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management programs to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm delivers services through a network of Investment Adviser Representatives and utilizes both proprietary and third-party asset management programs.

Avery Law is a financial advisor with Mass Mutual Investors Services holding a Series 66 credential and two years of industry experience. Prior to joining MassMutual Life Insurance Company and Mass Mutual Investors Services, Avery held roles at Dolan, Bell, Lautner, Gilbert, CPA's, Creative Financial Group, and Stockton University. 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 firm-approved software to develop collaborative, written recommendations tailored to client goals.

Daniel Stroud is a CFP® with 23 years of industry experience, currently serving at Mass Mutual Investors Services since 2017. He previously worked at METLIFE Securities Inc for 14 years. Outside of his advisory role, he is involved in coaching basketball. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations, offering programs that include ongoing planning, educational seminars, and specialized event-driven services.

Kevin Kolmer Sr. is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with Merrill since 2004 and joined his current team in 2007. Kevin works with a wide range of clients, including those early in their careers who are beginning to accumulate wealth, as well as individuals approaching retirement or considering selling their enterprises. Kevin holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification from the Certified Financial Planner Board of Standards. He earned a Bachelor's degree in Business Management from Gettysburg College, where he was active in tutoring, community service, and held leadership roles. In his advisory practice, he focuses on identifying client risks related to retirement cash flow, liability management, and tax consequences, using a planning-based approach that addresses risks beyond portfolio management. Outside of his professional work, Kevin is involved with the Berwyn Paoli Area Little League, where he coaches and serves on the finance committee. He resides in Berwyn, Pennsylvania with his family. His personal interests include golf, paddle tennis, running, following Philadelphia sports teams, and spending family time in Ocean City, New Jersey.

Charles McDonald is a financial advisor with Mass Mutual Investors Services in Newark, Delaware, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 43 years of industry experience, including 38 years with Metlife Securities Inc. and over a decade with MassMutual and its affiliates. He serves as president of the NAIFA-Delaware chapter and participates as a member of a horse racing investment stable. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning, asset management, and educational seminars to individuals, business owners, trusts, and charitable organizations. The firm employs a collaborative planning approach using firm-approved analytical tools and provides event-driven services such as estate settlement and employer-sponsored planning programs.

Robert Gueriera Jr. is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. His career includes roles at Wharton Wealth Management, Wharton Benefits Group, and Fsc Securities Corporation. He is also the owner of Wharton Wealth Management and Wharton Benefits Group, and is involved in the sale of fixed life insurance and annuities. OSAIC serves a wide range of retail and institutional clients, offering integrated brokerage and advisory services through a large network of financial advisers and multiple platforms. The firm utilizes firm-provided asset-allocation tools and a variety of third-party services to construct diversified portfolios that can include stocks, bonds, mutual funds, ETFs, and alternative investments.

Justin Wellen is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2019, following six years at Bank of America and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide range of advisory programs. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools including Monte Carlo simulations and Secular Return Estimates in its process.

Adam Saunders is a financial advisor with Morgan Stanley in Newtown Square, PA, holding Series 63 and Series 66 licenses and having 17 years of industry experience. He has worked at Morgan Stanley and its affiliated entities since 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and methodologies to support clients’ financial goals.

Matthew Deviney is a financial advisor at Charles Schwab with 28 years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 66 licenses. Prior to joining Charles Schwab in 2017, he worked at E*Trade Capital Management and E*Trade Securities LLC from 2015 to 2017. 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 offers a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Peter Ressler Jr. is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2009 to 2016. Ressler serves on the Board of Trustees for Lycoming College, providing oversight on the college endowment and financial operations. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable range of investment options including insurance-related vehicles and bank deposit sweep programs.

Mark Freed is a financial advisor at LPL Financial with 14 years of industry experience. He holds a Series 66 designation and has previously worked at PNC Investments and Investment Centers of America, Inc. Outside of his advisory role, Freed is involved with business entities related to tax and investment purposes as well as a non-variable insurance service. 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 advisory services with a broad range of financial products and partnerships.

John Scarduzio is a financial advisor at Stifel with 12 years of industry experience. He holds the Series 66 designation and previously worked at RBC Capital Markets from 2012 to 2024. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.