Jeffrey Schoff is a financial advisor with Raymond James & Associates and holds a Series 66 designation. He has four years of industry experience and previously worked at Tiedemann Advisors for seven years. Schoff also serves in the U.S. Army Reserve, where he has been a member since 2005. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Randal Farabaugh is a financial advisor with Ameriprise who holds the CFP® and ChFC® designations and has 28 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver written, non-discretionary recommendations, supported by a centralized consulting team and algorithmic tools overseen by a retirement income committee.

Andrew Goldman is a financial advisor at Equitable Advisors with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Equitable Advisors since 1999. He has a background that includes nearly two decades at Karr Barth Financial Planning, Inc. Outside of his advisory role, Goldman serves as chairman of the board and executive committee member of the Anti-Defamation League. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm utilizes a range of advisory programs and third-party asset managers to tailor investment solutions for its clients.

Meghan Gallagher is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds a Series 66 designation and previously worked at Bank of America for eight years. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence. The firm applies an ESG eligibility framework in its recommendations and operates within the broader J.P. Morgan financial organization.

Victor Altadonna is a Financial Advisor and partner of a wealth management group in the Philadelphia area, where he works with affluent individuals and families to address their financial goals and streamline their wealth management services. He provides guidance in areas including tax, estate, and education planning, with a focus on helping clients preserve and grow their wealth. Victor's areas of expertise include family wealth management strategies, institutional and corporate benefit services, portfolio management services, small business strategies, and individual and corporate investment strategy. Victor holds a Bachelor of Science degree from Pennsylvania State University and has earned several professional designations, including Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), Accredited Wealth Management Advisor (AWMA), and Personal Investment Advisor (PIA). He is committed to ongoing professional education to stay informed about market changes and new opportunities for his clients. His approach emphasizes personalized financial strategies tailored to individual goals. Outside of his professional work, Victor is involved with the Ed Snider Youth Hockey & Education program and enjoys spending time with his wife Jamie and son Dominic. His personal interests include fishing, golfing, hiking, and scuba diving.

Adonika Watkins is a financial advisor at RBC Capital Markets with 18 years of industry experience. She holds a Series 66 designation and has served as an instructor at Temple University since 2012, teaching a class on investing that focuses on the economic environment and the investment field. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs with tailored strategies that incorporate multiple investment managers and provide discretionary and non-discretionary portfolio management, financial planning, and brokerage services.

Jessica Kienle is a financial advisor at Charles Schwab with 18 years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at TD Ameritrade, TIAA-CREF, and Fidelity. Kienle is also a volunteer board member for the West Chester University Foundation. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a range of advisory, brokerage, and custody services 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 employs multi-asset model portfolios supported by centralized operational and supervisory infrastructure.

Beatriz Gomez is a financial advisor with Merrill in Wayne, PA, holding a Series 66 designation and six years of industry experience. She has been with Merrill since 2001 and worked at Bank of America, N.A. since 2021. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutions.

Frank Ruggiano is a financial advisor with UBS Financial Services in Philadelphia, holding Series 63 and Series 66 licenses and eight years of industry experience. His prior roles include positions at Sanford C. Bernstein & Co., LLC, JPMorgan Securities, LLC, JPMorgan Chase Bank, N.A., GMH Capital Partners, and Marcus and Millichap. He serves as treasurer for the Pennsylvania Bipartisan Climate Initiative, a nonprofit focused on public education around environmental rights and carbon emissions reduction. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining institutional trading capabilities with wealth management services and providing access to proprietary research and a range of investment products.

Carmen Sinker is a financial advisor with Vanguard Advisers in Malvern, PA, holding a Series 66 credential. They have been with Vanguard Advisers and affiliated Vanguard entities since 2026. Prior to this, Carmen has work experience across several industries and roles, including positions at Bucknell University and the Pennsylvania Liquor Control Board. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach using proprietary models to set personalized asset allocations, primarily utilizing Vanguard funds and ETFs with various tax-aware and customization features.

Alvin Kingcade Sr. is a financial advisor with Mass Mutual Investors Services who holds the ChFC® designation and Series 63 license, with 53 years of industry experience. He has worked at MML Investors Services, Inc. since 1988. Outside of his advisory role, he serves as President and Treasurer of the Lena Maloney Community Development Corp., a 501(c)(3) community organization, and is Chairperson of the finance board at Eastwick United Methodist Church. MML 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 ongoing financial planning along with asset management and educational seminars, using firm-approved tools to develop written recommendations in collaborative client relationships.

Edward Ranieri is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has been with LPL Financial since 2022 and previously worked at Cuna Mutual Group and CUNA Brokerage Services for over two decades. 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 broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Eric Donohue is a financial advisor with Mass Mutual Investors Services, holding a Series 66 credential and seven years of industry experience. He has been with Mass Mutual Investors Services and Mass Mutual Life Insurance Co since 2019. Outside of his advisory role, he is also licensed as a life insurance agent. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements using firm-approved analytical tools and offers specialized services such as divorce planning, estate settlement, and employer-sponsored planning programs.

Eric Nichols is a financial advisor with Equitable Advisors, holding a Series 66 designation and 23 years of industry experience. He has been with Equitable Advisors since 2003, including time with its predecessor, Axa Advisors. He is also an author of a financial planning book. Equitable Advisors serves individuals—including both non‑high-net-worth and high-net-worth clients—corporations, pension and profit-sharing plans, and charitable organizations, providing financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party managers.

Arshan Abid is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and nine years of industry experience. His prior work includes roles at The Vanguard Group and multiple positions within Wells Fargo Bank N.A. and Wells Fargo Clearing. 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 combines brokerage and advisory solutions supported by extensive research and analytics.

David Bentley is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2009, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning services supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides planning through Financial Advisors and specialized groups such as Estate Planning Strategies.

Pedro Gomes is a financial advisor with Morgan Stanley in Philadelphia, PA, holding a Series 66 designation and 23 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management offers a wide range of advisory programs to individual and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery conversations and proprietary tools, supporting clients with advisory services but generally without providing individual security recommendations as part of standalone plans.

Joseph Gambone III is a financial advisor with Equitable Advisors in Bala Cynwyd, PA, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. He has worked at Equitable Advisors since 2015 and was previously with Axa Advisors. Outside of his advisory role, he is involved as an agent with Ashar Group and maintains activities with several insurance firms including Aetna and Cigna. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and various asset-management programs. The firm’s approach involves assessing client information and risk tolerance to recommend advisory models and discretionary management, utilizing both proprietary programs and third-party asset managers.

Jacob Baumann is a financial advisor at Mass Mutual Investors Services with one year of industry experience. He holds a Series 66 designation and previously worked at New York Life Insurance Company and NYLIFE Securities LLC. Outside of advising, he is involved with XGolf, an indoor golf entertainment business. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software and ongoing collaborative planning relationships to deliver written recommendations focused on investment categories and strategies.

Christopher Simmons Jr. is a financial advisor with Raymond James Financial in Wilmington, DE, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. His previous roles include positions at Vanguard Advisers, Inc. and Vanguard Marketing Corporation. Simmons is also associated with Wheeler Financial LLC, a non-investment-related support company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and corporate clients. The firm offers tailored, non-discretionary services supported by analytical tools and maintains specialized programs, including municipal advising and SIMPLE IRA employer consulting.