Joseph Garagozzo is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has worked at Cetera and its affiliates since 2019 and previously spent 13 years at Royal Alliance Associates. Outside of advisory work, he owns and operates a CPA firm providing tax and consulting services, as well as a life insurance company. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform that supports discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Reynold Cicalese III is a financial advisor at Cetera with 13 years of industry experience and a Series 66 designation. He has held roles at various firms including Avantax and 1st Global Capital Corp, and has a background in accounting with Alloy Silverstein CPAs, where he is expected to become a minority owner. Cicalese serves on the board of the Cooperative Business Assistance Corporation, a nonprofit supporting small business growth in southern New Jersey and Philadelphia, and he is involved with the NJCPA Scholarship Fund. Cetera Investment Advisers LLC is an SEC-registered adviser that provides services through a large network of independent advisors. The firm serves individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a range of portfolio management and financial planning solutions across multiple program structures and custodians.

Travis Mccormack is a financial advisor with Wells Fargo Clearing, holding Series 65 and Series 63 licenses and having three years of industry experience. He has worked at Wells Fargo Clearing since 2022 and Wells Fargo Bank, N.A. since 2009. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors.

Brian Fitzsimmons is a CFP® with 14 years of experience in the financial services industry. He is currently an advisor at Charles Schwab in Philadelphia, PA, having previously worked at firms including Fidelity Investments, Vanguard, and Prudential. Charles Schwab & Co., Inc. serves a large client base of 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by in-house research and alternative investment options.

Raegen Richard is a Series 66-licensed financial advisor with 10 years of industry experience. He is currently with Equitable Advisors and has previously worked at Ameriprise and Edward Jones. Outside of his advisory career, he was involved with Droneprep LLC for nine years. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through multiple third-party programs. The firm uses a hybrid referral and implementation model, offering both advisory and brokerage/insurance services tailored to client goals and risk tolerance.

John Carley is a financial advisor with J.P. Morgan Securities in Philadelphia, PA, holding a Series 66 designation and five years of industry experience. His work history includes roles at JPMorgan Chase Bank, N.A., and Global Indemnity Group. Outside of finance, he was involved with Karley's Chaircover and Specialty Linen Rentals for nine years. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to deliver customized investment advice.

James Owens is a financial advisor with LPL Financial holding a Series 66 designation and two years of industry experience. His prior work includes roles at Lincoln Financial Advisors Corporation and several companies outside the financial sector, including College Hunks Hauling Junk & Moving, Kohls Corporation, and CVS Health. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a variety of advisory programs, retirement plan consulting, and brokerage services with access to model portfolios, third-party research, and multiple management options.

David Debreceni Sr. is a CFP® and ChFC® with nine years of industry experience. He has worked at Edward Jones since 2020 and spent six years at Wellington Management prior to that. Outside of his advisory role, he is involved in coaching education for youth soccer, teaching classes on how to run soccer practices. Edward Jones is a full-service wealth management firm serving both individual and institutional clients, including a broad range of households and organizations. The firm manages over $1 trillion in assets through a large network of advisors and branch offices, offering a variety of advisory programs and affiliated investment products.

Milo Vath is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 65 and Series 63 credentials and has worked at firms including McAdam LLC and JBMP Real Estate Group LLC. He also has a background involving work at Temple University. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Andrew Werkheiser is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley and Bank of America. 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 and investment management capabilities.

Lee Johnson Jr. is a CFA® charterholder with 19 years of experience in the financial services industry. He is currently affiliated with Cetera and has prior experience with Valor Asset Management, which he founded, as well as roles at LPL Financial and Great Valley Advisor Group. Aside from his advisory work, he owns and manages Summer Seclusion, a rental property business. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients including individuals, retirement plans, corporations, and charitable organizations. The firm offers diverse portfolio management and financial planning services through a multi-manager platform that supports a variety of program structures and investment strategies.

Nicci McCann is Vice President and Executive Planning Consultant at Fidelity Investments, a role she has held since 2021. In this capacity, she focuses on creating wealth strategies for clients with an emphasis on incorporating workplace benefits to help them pursue their financial goals. She adopts a consultative approach to build trust and support her clients with personalized and understandable plans. Prior to joining Fidelity Investments, Nicci McCann held several positions at Vanguard, including Senior Advice Strategist from 2019 to 2021, Defined Contribution Relationship Manager from 2017 to 2019, and Senior Wealth Manager from 2015 to 2017. She holds a California Insurance License. Outside of her professional work, Nicci McCann enjoys attending concerts, participating in family activities, fitness, and traveling.

Stephen Corbo is a financial advisor at Raymond James Financial with two years of industry experience. His previous roles include positions at Kennedy Investment Group and JPMorgan Chase. He holds Series 63 and Series 65 designations. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored non-discretionary planning and advisory services using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Thomas Gillespie is a financial advisor with Equitable Advisors in Cherry Hill, NJ, holding a Series 66 designation and 16 years of industry experience. Prior to his current role, he worked at Axa Advisors, LLC from 2010 to 2020 and has operated Gillespie & Associates since 2004. Outside of his advisory work, he is involved in accounting through Gillespie & Associates, LLC, holds management and ownership roles at Panchpa Inc., and is a partner in PanchMedia, LLC. Equitable Advisors serves a diverse client base including individuals, high-net-worth families, retirement plans, corporations, charities, and institutions, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as a dual-registered investment adviser and broker-dealer, utilizing LPL-sponsored and endorsed third-party advisory solutions.

Brittni Sennett is a financial advisor with Mass Mutual Investors Services, holding a CFP® designation and Series 63 and 65 licenses. She has five years of industry experience, including prior roles at Northwestern Mutual Wealth Management Company and MassMutual Life Insurance Company. Outside of her financial advisory work, she has been a yoga instructor at Hot Yoga Philadelphia since 2018. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm offers collaborative, ongoing planning relationships and event-driven planning services such as divorce and estate planning.

Francis Jarmusik is a financial advisor with Wells Fargo Clearing in Barrington, NJ, holding Series 63 and Series 65 credentials and 38 years of industry experience. He has been with Wells Fargo and its affiliates since 2009. Outside of his advisory role, he has a long-standing involvement with the Philadelphia Eagles organization since 2004. 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 incorporates modern portfolio theory, with options for discretionary management and a broader range of investment vehicles including insurance-related products.

Blair Thompson is a financial advisor at J.P. Morgan Securities with 28 years of industry experience. He holds Series 63, 65, and 66 licenses. His prior experience includes roles at Wells Fargo Clearing, Wells Fargo Bank, Bank of America, and Merrill. 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 broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

John Riva is a CFP® with five years of industry experience, currently affiliated with Wells Fargo Clearing. Prior to joining Wells Fargo Advisors in 2021, he held various roles at Johnson & Johnson from 2016 to 2021. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and other sources.

Ryan Markle is a CFP® with seven years of industry experience, currently serving as a financial advisor at Ameriprise Financial Services in Philadelphia. He has worked at Ameriprise since 2018 and has prior experience at Bentley Systems and a brief role with the Philadelphia Eagles. Outside of advisory work, he holds a remote position as an Account Executive in inside sales at Bringg. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning focused on dependable income sources and tax-aware withdrawal strategies.

Michael Castillo is a financial advisor at RBC Capital Markets with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Advisors and Wells Fargo Clearing prior to joining RBC in 2019. Outside of his advisory role, he teaches cooking classes and is involved in retail sales through Williams-Sonoma. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individuals, institutions, and charitable organizations. The firm offers various advisory programs featuring discretionary and non-discretionary portfolio management, tailored to clients’ risk profiles and implemented through a combination of in-house and third-party investment managers.