Niraj Singh is a financial advisor at OSAIC with 30 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Royal Alliance Associates and Signator Investors. Singh is the sole owner of First Financial Platform Inc., an entity used for managing business expenses. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through its extensive network of financial advisers and multiple advisory platforms. The firm combines brokerage and investment advisory services with financial planning and retirement consulting, employing asset-allocation tools and automated rebalancing to construct portfolios tailored to clients’ risk tolerance and investment restrictions.

Damon Derstine is a financial advisor at Wells Fargo Advisors with 24 years of industry experience. He has previously worked at Wells Fargo Clearing Services LLC and held roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory work, he is involved in managing farm property and agricultural activities through a family-owned entity. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering a broad range of investment and financial planning services. The firm’s approach includes tailored recommendations supported by Wells Fargo research and planning tools, provided through both brokerage and advisory programs.

Catherine Seklecki is a financial advisor at Fidelity with 38 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Fidelity Investments since 2022, following prior experience at UBS Financial Services and Delaware Distributors, L.P. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio construction. The firm employs a blend of proprietary fundamental research and quantitative analysis supported by algorithmic methodologies and maintains oversight of affiliated and unaffiliated sub-advisers.

Connor Wagner is a financial advisor at Raymond James & Associates with two years of industry experience. He holds Series 63 and Series 65 licenses. Prior to joining Raymond James in 2022, he worked at EXP Realty and has experience in the hospitality and education sectors. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations, supporting implementation through various advisory and portfolio management programs.

Simon Pak is a financial advisor at Fidelity with Series 63 and Series 65 licenses and one year of industry experience. Prior to joining Fidelity, he worked at First National Bank & Trust Company and DoorDash. Outside of his advisory role, he sells items on eBay. Fidelity Strategic Advisers provides investment management and advisory services to a diverse client base, including retail and institutional investors, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary and non-discretionary management, fund advisory, and model portfolios, with a focus on systematic methodologies and long-term asset allocation.

Mark Ward is a financial advisor with Ameriprise in Devon, PA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. Prior to joining Ameriprise in 2020, he worked at Janney Montgomery Scott from 2016 to 2020. He serves on the Board of Directors for Benchmark Federal Credit Union and holds leadership roles with the Society of Cincinnati and the State Society of Cincinnati of Pennsylvania. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to generate written Recommendation Reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Anthony Spangler is a Series 66-licensed financial advisor with 24 years of experience at Thrivent Investment Management and Thrivent Financial for Lutherans, both since 2002. He is also an ordained minister with the Universal Life Church, authorized to officiate religious ceremonies. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits through a network of financial advisors. The firm offers comprehensive, goal-based planning across a variety of topics without discretionary trading authority and allows clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan.”

Patrick Henry is a financial advisor at Morgan Stanley with 37 years of industry experience. He holds Series 63 and Series 65 credentials and has been affiliated with various Morgan Stanley entities since 2007, including Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery and analytical tools but clients are responsible for plan implementation and updates.

Kevin Calvert is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds a Series 66 designation and has been with various Morgan Stanley entities since 2014, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, providing a range of advisory programs and financial planning services supported by firm-approved tools and methodologies.

Albert Heaton Jr. is a financial advisor at LPL Financial with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has been with LPL Financial since 2012. Outside of his advisory work, he serves as an ice hockey referee. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of advisory programs, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management along with research-backed model portfolios.

Anthony Stencler is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and possessing 28 years of industry experience. His prior roles include positions at Wealth Advisory Services and Raymond James Financial Services Advisors. Outside of his advisory work, he is involved with an entity called XTREME XPERIANCE, which is not related to investment activities. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a variety of advisory programs and financial planning services, utilizing discretionary and non-discretionary management supported by research and model portfolios.

Cheryl Tobin is a financial advisor at Merrill with seven years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2016, including time affiliated with Bank of America. She is also associated with an entity named R F W in a limited power of attorney capacity. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individual, high-net-worth, and institutional clients. The firm leverages its integration with Bank of America to offer access to diverse products and services beyond typical managed accounts.

John Richards is a CFP® and ChFC® with 29 years of industry experience. He is currently with LPL Financial, where he has worked since 2024. His prior experience includes roles at Lincoln Financial Securities and Securian Financial Services, among others. Richards also owns and operates an insurance agency and provides insurance advisory services in the Pennsylvania area. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning, advisory programs, and retirement consulting services supported by research and multiple portfolio management options.

Frank Orlando is a financial advisor with LPL Financial in Furlong, PA, holding Series 63 and Series 65 credentials and over 21 years of industry experience. He has been with LPL Financial since 2013. Outside of his advisory role, he is involved with multiple affiliated entities, including serving as an agent at Impact Partnership and Simplicity Life. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network. The firm offers financial planning, various advisory programs, retirement consulting, and brokerage services, utilizing discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Drew Reinhardt is a financial advisor with Morgan Stanley in Blue Bell, PA, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and scenario modeling.

Louis Saltarelli Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and over 31 years of industry experience. Before joining LPL Financial in 2025, he worked for Stifel Nicolaus & Co Inc. for 16 years. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides a range of financial planning and advisory services supported by model portfolios, research, and technology-driven solutions.

Salvatore Alfano Jr. is a CFP®-designated financial advisor with Ameriprise, bringing 15 years of industry experience. He previously worked at Edward Jones for 12 years before joining Ameriprise in 2025. Outside of his advisory role, he is also associated with Double K Group, LLC. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. As a large institutional firm, Ameriprise provides a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Seth Diener is a financial advisor with LPL Financial in Newtown, PA, holding Series 63 and Series 66 designations and bringing 23 years of industry experience. Before joining LPL Financial in 2018, he worked at Nationwide Securities, LLC for 10 years and James Barton Agency for 14 years. He is also involved in a marketing services business called Oak and Stone Marketing. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by in-house and third-party research, with both discretionary and non-discretionary management options.

Andreas Wiersbitzky is a financial advisor at LPL Enterprise with two years of industry experience. He holds a Series 66 designation and has previously worked with The Prudential Insurance Company of America and Pruco Securities LLC. Outside of advisory work, he is involved with Stratum Holdings LLC, a business entity for tax and investment purposes. LPL Enterprise serves a diverse range of clients, including individuals, retirement plans, charitable organizations, and institutional clients, providing financial planning, advisory services, and access to various brokerage and insurance products through an integrated platform.

Thomas McBride III is a financial advisor at Cetera with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including VOYA Financial Advisors and North Penn School District. Outside of his advisory role, he is also a musician involved in local theatrical productions. Cetera Investment Advisers LLC is a nationwide independent advisor network serving individuals, retirement plans, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and financial planning services.