Daniel Barsnica is a financial advisor with LPL Financial, holding a Series 66 credential and 21 years of industry experience. He has worked at LPL Financial since 2024, with prior roles at TFS Securities, Inc. and Ameriprise spanning 19 years. 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, and institutional platforms, utilizing a variety of investment strategies and technological tools.

Karl Crytser is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 44 years of industry experience. His prior roles include positions at Securities America Advisors, National Planning Corporation, and several other firms. He also operates a tax preparation and accounting business under Karl Cryster Financial. 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 wide range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advanced operational tools and a broad spectrum of financial products.

Jason Jones is a financial advisor with Morgan Stanley in Lawrenceville, NJ, holding a Series 66 designation and bringing 21 years of industry experience. He has worked at Morgan Stanley since 2009 and also at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools alongside a range of investment services.

Joseph Sensi is a financial advisor at Cetera with 29 years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Ameriprise and TFS Securities. In addition to his advisory role, he serves as Vice President of Employee Benefits Sales at Nottingham Agency, Inc. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting both discretionary and non-discretionary strategies across multiple program structures.

Daniel Derose is a financial advisor at Cetera with 48 years of industry experience. He holds Series 63 and Series 65 credentials and has held roles at firms including Securian Financial Services and MargFinancial. Outside of his advisory work, he serves as an officer on the board of the Nottingham Babe Ruth Baseball League. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients 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 access to affiliated and third-party investment strategies.

William Dixon is a financial advisor at Merrill with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Merrill since 2017. Outside of his advisory role, he operates a sole proprietorship managing an e-commerce site. 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 delivers model-based and discretionary investment strategies to a diverse client base, including individuals, high-net-worth clients, and institutional investors.

Erin Lindquist is a CFP® with four years of industry experience, currently serving as a financial advisor at Cetera. She has previously worked with Avantax Advisory Services and Avantax Insurance Agency, and maintains a financial advisory role at Zonin Wealth Management, where she provides values-based financial planning and portfolio management. Additionally, Erin is a Notary Public in New Jersey. Cetera Investment Advisers LLC is an SEC-registered firm supporting a large network of independent advisors and serving a diverse client base that includes individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through multiple program structures and custodial relationships.

Mark Elliott is a financial advisor with LPL Financial, holding a Series 63 designation and 29 years of industry experience. He has worked at LPL Financial since 2007 and previously at A. G. Edwards & Sons, Inc. from 2003 to 2007. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a network of over 22,900 advisors.

John Sheridan is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. He has worked with Merrill since 2008, with a two-year tenure at Northwestern Mutual Investment Management from 2011 to 2013. 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.

Philip Clippinger is a financial advisor with Morgan Stanley who holds a Series 66 designation and has 25 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2010 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a range of advisory programs and tailored financial planning services, managing approximately $2.74 trillion in client assets.

Monika Santos is a financial advisor with Fidelity, holding Series 63 and Series 66 licenses and possessing 18 years of industry experience. She has been with Fidelity since 2012, including roles at Fidelity Personal and Workplace Advisors from 2018 to 2025. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a diverse client base including retail and institutional investors, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction in its investment approach.

Brett Scharf is a CFP® professional with 12 years of experience in financial advisory services. He is currently with RBC Capital Markets and City National Bank, having previously worked at Morgan Stanley and Morgan Stanley Private Bank. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services, with investment strategies tailored to clients’ risk profiles and administered through a combination of in-house and third-party managers.

Alexander Kandelaki is a financial advisor with Mass Mutual Investors Services and holds the ChFC® designation along with Series 63 and Series 65 registrations. He has eight years of industry experience, including roles at Mass Mutual Investors Services since 2018 and MassMutual Life Insurance Company since 2017, as well as prior experience with Presidio. He is also involved in outside insurance sales through Kandelaki Solutions, focusing on life, disability, property and casualty, long-term care, fixed annuities, and health insurance products. 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 utilizes firm-approved software for client goal analysis and delivers written recommendations, with implementation requiring separate brokerage or insurance arrangements.

Richard Slater is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Smith Barney since 2009, following an 11-year tenure at Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and firm-approved methodologies in its financial planning process.

Patricia Trapp is a financial advisor at Osaic with 25 years of industry experience. She holds a Series 66 designation and previously worked at UBS Financial Services from 2001 to 2009. In addition to her advisory role, she sells annuities and life insurance through various vendors. Osaic Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients, offering a range of brokerage and advisory services. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by various tools and strategies tailored to client needs.

Kevin Dobes is a financial advisor at Morgan Stanley with one year of industry experience. He holds a Series 66 designation and previously worked at Parx Casino/Sportsbook and Rutgers University Athletics. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and approved tools, offering a range of investment and financial services without providing individual security recommendations as part of standalone plans.

Michael Pine is a CFP® and holds a Series 66 license with Edward Jones, where he has worked since 2013. He has 12 years of industry experience. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets through a large network of financial advisors and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

William Sheehy III is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 40 years of industry experience. He has worked at LPL Financial since 1993 and operates Sheehy Associates, an insurance agency selling life, health, and annuity products. 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 portfolios, third-party asset management, and institutional platforms, supported by research tools and a large advisor network.

Sharon Harshbarger Kucera is a financial advisor at Morgan Stanley with 19 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients. The firm emphasizes structured financial planning supported by proprietary tools and serves clients through both direct relationships and corporate financial planning agreements.

Tony Kelly is a CFP® with 17 years of industry experience, currently serving at Cetera since 2025. He previously worked at Commonwealth Financial Network and LPL Financial, and is also the Director of Financial Planning at King Financial Network, where he provides investment management and financial planning services. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and retirement services, operates a multi-manager platform, and oversees more than $256 billion in assets under management.