Zachary Oser is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. He previously worked at Bank of America and has a background that includes teaching positions at Temple University, North Penn High School, and Pennbrook Middle School. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, employing model-based and discretionary investment strategies developed by internal and third-party managers.

Ratnadeep Damle is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on understanding clients' financial and life priorities to customize strategies that align with their goals. His expertise includes college education planning, international wealth management, legacy planning, personal retirement planning, portfolio management, small business strategies, tax minimization, and retirement income. Before joining Merrill, Ratnadeep managed the international division of an aerospace software company. He holds a Bachelor's Degree from the Massachusetts Institute of Technology and a Master's Degree from Columbia University. He carries the Personal Investment Advisor (PIA) designation. Ratnadeep is involved with community organizations such as Civil Air Patrol, CyberPatriot, and the MIT Alumni Group in the Delaware Valley Region. He speaks English, Marathi, French, Hindi, German, and Japanese. His personal interests include hiking, music, reading, singing, spending time with family, traveling, and yoga.

Jevan Madeira is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. He specializes in serving affluent clients, retirees, entrepreneurs, and business owners by assisting them in managing their wealth through comprehensive financial strategies. Drawing on more than 25 years of experience in financial services, Jevan and his team take a holistic approach to wealth management. They collaborate with a wide network of professionals to evaluate all aspects of a client’s financial life, including tax planning, retirement, estate considerations, and asset allocation. Jevan emphasizes understanding clients’ priorities and goals to create customized, disciplined strategies aimed at meeting their financial objectives and legacy planning needs. Jevan earned a Bachelor’s degree in Business Economics from Marquette University, where he was an Evans Scholars scholarship recipient, and spent a semester studying economics at St. Claire University in Oxford, England. He holds the CERTIFIED FINANCIAL PLANNER® designation from the Certified Financial Planner Board of Standards, Inc., and the Chartered Retirement Planning Counselor™ designation. He serves on the Board of Governors for the Evans Scholars Foundation and is active in various community and alumni organizations. Jevan resides in Madeira with his wife, Kasey, and their three children. In his personal time, he enjoys golfing, reading, skiing, and watching movies.

Jennifer Drahos is a financial advisor at Wells Fargo Clearing with a Series 66 designation and three years of industry experience. She has been with Wells Fargo Bank since 2002 and has worked at Wells Fargo Clearing Services since 2021. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Grace Feudo is a financial advisor with Fidelity in Philadelphia, PA, holding Series 63 and Series 65 credentials and eight years of industry experience. Her prior roles include positions at TIAA-CREF, RBC Capital Markets, and Johnson & Johnson. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a methodology that combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, AI-driven research, and its advisory roles with multiple registered investment companies and fund‑of‑funds.

Traci Hoelzel is a financial advisor with Morgan Stanley in Philadelphia, PA, holding a Series 63 designation and 26 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery conversations and firm-approved tools, with a broad range of retail and institutional investment offerings.

Keith Lecky is a financial advisor with Mass Mutual Investors Services and holds the Series 66 designation. He began his advisory career in 2025 after prior experience in education and retail, including roles at Giant Food Store and several schools. 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, charitable organizations, and employers. The firm offers collaborative, annual planning engagements using firm-approved tools and also provides specialized services such as divorce planning and employer-sponsored programs.

Paola Gonzalez Sierra is a Financial Advisor with Merrill Lynch Wealth Management, based in the Center City Philadelphia office. She is committed to helping individuals, families, and business owners build confidence in their financial futures through personalized guidance, education, and comprehensive wealth planning. Fluent in English and Spanish, Paola aims to make financial advice accessible and empower clients to make informed decisions aligned with their goals and values. Paola joined Merrill Lynch in January 2024 as a Financial Services Representative and advanced to the role of Financial Solutions Advisor, serving clients throughout the Philadelphia market. She has earned her FINRA Series 7 and Series 66 registrations after passing the Securities Industry Essentials (SIE) Exam. Prior to joining Merrill Lynch, Paola spent over a decade at Fulton Bank, where she progressed from a bilingual teller to a Relationship Banker, developing a client-centered approach focused on trust and personalized financial guidance for diverse communities. Originally from the Dominican Republic and raised in Lancaster, Pennsylvania, Paola holds an Associate's Degree from Harrisburg Area Community College and a High School Diploma from Hempfield High School. Outside of her financial advisory practice, she is the Owner and Director of Controla Dance Academy in South Philadelphia, leading a team of instructors and fostering community through dance education and cultural events. Paola's goal is to serve as a trusted partner to her clients, supporting them in navigating financial decisions and achieving their long-term financial objectives.

Brette Husar is a financial advisor at Raymond James & Associates with 18 years of industry experience. She holds Series 63 and Series 66 designations and previously worked at Janney Montgomery Scott for nearly a decade. Outside of her advisory role, she sells photographs that she has taken, edited, and produced. Raymond James & Associates is a large dual-registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, leveraging a variety of portfolio management styles and in-house research.

Vincent Farry is a financial advisor at Merrill with 34 years of industry experience. He has held his current position at Merrill since 1980. His credentials include the Series 63 and Series 66 licenses. 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 a range of model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

William Ferraro is a financial advisor at Wells Fargo Clearing with one year of industry experience. He holds a Series 66 designation and previously worked at Computer Services Inc. from 2021 to 2024. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, with options for both discretionary and non-discretionary services.

Amanda Harver is a financial advisor with Wells Fargo Clearing in Philadelphia, PA, holding Series 63 and Series 66 designations and 16 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wachovia Bank, N.A. and Wells Fargo Advisors LLC. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, retirement plan consulting, and brokerage solutions to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of services including discretionary and non-discretionary retirement plan consulting, leveraging research from Wells Fargo Investment Institute and third-party sources.

John Wilcox is a financial advisor at Ameriprise with 13 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked for The Vanguard Group for 10 years. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

James Cleary is a financial advisor with Mass Mutual Investors Services, holding the ChFC® designation and a Series 63 license. He has 43 years of industry experience, including prior roles at MetLife Securities Inc. and Massachusetts Mutual Life Insurance Company. Outside of his advisory work, Cleary acts as an agent in non-registered insurance brokerage and life settlements, and serves as a trustee for multiple family trusts. MassMutual 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, charitable organizations, and employers. The firm uses detailed client data and proprietary software to develop written financial plans, offering a range of event-driven planning services and educational programs.

Kate Forester is Vice President and Branch Leader at Fidelity Investments, a role she has held since 2019. She leads and coaches a team of financial professionals dedicated to working with clients and their families to develop personalized financial plans aimed at achieving their financial goals and providing peace of mind. Kate has extensive experience in the financial services industry, having held various positions at Fidelity Investments since 1998, including Senior Relationship Manager and Relationship Manager. Prior to joining Fidelity, she worked as a Financial Advisor and Associate at other firms starting in 1996. Outside of her professional responsibilities, Kate enjoys cooking and baking, fitness, reading, skiing, traveling, and volunteering.

Tamara Morton is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo since 2013, including her current role at Wells Fargo Clearing since 2016. 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.

Colby Moneta is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds the Series 66 designation and has worked at JP Morgan Chase Bank, TD Ameritrade, and PNC Bank. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Hanna McCarthy is a financial advisor at Edward Jones with two years of industry experience. Prior to joining Edward Jones, she worked at Johnson & Johnson for three years and was self-employed for five years. Outside of her advisory role, Hanna teaches yoga classes weekly at local fitness centers and is a co-owner of a print advertising business in West Chester, PA. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a broad range of investment strategies and affiliated services, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and tax-efficient overlay services.

Benjamin Yeager is a financial advisor with Mass Mutual Investors Services, holding the ChFC® designation and Series 66 license. He has 16 years of industry experience, including roles at Mass Mutual Investors Services since 2017 and MassMutual Life Insurance Co since 2016. Outside of his advisory work, he operates a financial services LLC that brokers insurance products and manages assets. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, wrap programs, and educational seminars, focusing on collaborative annual planning engagements using firm-approved analytical tools.

Lorraine Zeplinski is a financial advisor with Cetera, holding a ChFC® designation and Series 63 license, and has 41 years of industry experience. She has worked at Cetera and its affiliates since 2021 and previously at VOYA Financial Advisors from 2014 to 2021. In addition to her advisory role, she owns and operates a tax preparation business in Philadelphia. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with a range of portfolio management options and oversees more than $256 billion in assets.