Michal Plonski is a financial advisor with Morgan Stanley in Yardley, PA, holding a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley, he worked at Sun Roofing and Lifetime Fitness. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets through tailored planning processes and a range of investment offerings.

Jennifer Williamson is a financial advisor with LPL Financial based in Yardley, PA. She holds the Series 66 designation and has 11 years of industry experience. Prior to joining LPL Financial in 2021, she worked with Waddell & Reed, INC. and various insurance carriers through W&R Insurance Agencies. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services supported by model portfolios, research, and technology-driven solutions.

Kyle Miller is a financial advisor at LPL Enterprise with 11 years of industry experience. He holds the Series 63 and Series 65 designations. His prior experience includes roles at Lincoln Investment and The Prudential Insurance Company of America. Outside of his advisory work, he bartends on weekends at a craft brewery in Allentown, PA. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients through advisory and brokerage channels. The firm provides financial planning, access to model portfolios, third-party asset management, and a range of brokerage and insurance products supported by an integrated platform.

Murray Fox is a financial advisor with Cetera, holding a Series 63 designation and over 26 years of industry experience. He has been with Cetera and its affiliated entities since 2004 and has operated Creative Financial Services Inc. since 2000. Fox is also a CPA and president of Fox & Company PC CPA’s, a firm providing accounting and tax services since 1983. He serves as president and board member of Rachels Helping Hands Cancer Foundation, a nonprofit organization focused on fundraising and administration. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services through multiple program structures and utilizes both affiliated and unaffiliated third-party managers.

Vito Martutartus is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. His prior roles include seven years at VOYA Financial Advisors and several years with Cetera and Cetera Wealth Services. He is also involved in independent insurance sales through his business activities. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio management options, operating at significant scale with more than 10,000 advisors and $256 billion in assets under management.

Jeremy Bravo Sanmartin is a financial advisor with Merrill, holding a Series 66 designation and beginning his career in the industry. His prior experience includes roles at Bank of America and academic positions at Pennsylvania State University – Lehigh Valley, Northampton Area Community College, and Freedom High School. 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 investment strategies for individuals, high-net-worth clients, and institutional investors.

Mark Spina is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. He has been associated with PFS Investments Inc. and Primerica Financial Services since 2010. Outside of traditional advisory roles, Spina is the owner and president of Focused on Integrity Inc., a business related to Primerica's operations. Primerica Advisors sponsors and manages a wrap-fee asset management program that primarily serves individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm operates at scale with thousands of advisors and offices, offering model-based investment strategies supported by third-party asset managers and custodians.

Elizabeth Luckenbill is a financial advisor at Edward Jones with Series 66 credentials and one year of industry experience. Prior to joining Edward Jones, she worked at Ross Stores Inc for ten years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Edward Mcdevitt III is a financial advisor at UBS Financial Services with 16 years of industry experience. He holds the Series 63 and Series 66 designations and has been with UBS since 2016. Outside of his advisory role, he serves on the finance committee of Bridge House, a nonprofit providing transitional support to the homeless and working poor in Boulder, CO, and he also participates on the board and finance committee of Springside Chestnut Hill Academy, a K-12 educational institution. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides access to proprietary research and a broad range of capital markets services.

Gretchen Carey is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and J. B. Hanauer & Co. since 1999. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s approach includes structured discovery conversations, use of firm-approved planning tools, and a range of retail and institutional investment services.

Patrick Groarke is a financial advisor at Cetera with 34 years of industry experience. He holds a Series 63 designation and has previously worked with Wells Fargo Advisors and Wells Fargo Clearing. Groarke is also the managing director and business owner of Galloway Berkshire Capital LLC, a financial services firm offering brokerage and advisory services. Additionally, he works as an insurance agent selling annuities and long-term care products. Cetera Investment Advisers LLC operates as a multi-manager platform serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services, with access to affiliated and third-party money managers across various program structures.

Timothy Kinley is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his financial services career in 2015 and has developed expertise in various areas including education planning, executive compensation, equity compensation services, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Tim holds a Bachelor's Degree from Pennsylvania State University and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He believes that managing wealth involves collaborating with clients to define what matters most as they prepare for the next stage of life, focusing on key life priorities such as family, finances, health, home, leisure, work, and giving. Outside of his professional role, Tim enjoys trail running and spending time with his family.

Joseph Quinlan is a financial advisor with Merrill in Doylestown, PA, holding Series 63 and Series 66 licenses and having 18 years of industry experience. He has been with Bank of America and Merrill since 2003. Outside of his advisory role, Quinlan is a non-resident fellow at the German Marshall Fund and Johns Hopkins University Center for Transatlantic Relations, where he participates in economic conferences focused on global economics and finance, and he serves as an adjunct professor at Fordham University. He is also under contract with John Wiley & Sons to co-author a book on Gender Lens Investing. 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 offers model-based and discretionary strategies managed by internal and third-party teams, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Shane McMahon is a CFA® charterholder and Series 63 licensed advisor with five years of industry experience. He is currently with Ameriprise and has prior experience at firms including Goldman Sachs, JPMorgan Chase & Co., and Charles Schwab. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement planning advice focused on income sources and tax-aware withdrawal strategies.

Stuart Bristow is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 designations and over 40 years of industry experience. He has been with RBC Capital Markets Corporation since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charities. The firm offers multiple wrap fee advisory programs with tailored strategies based on clients' Advisory Risk Profiles, utilizing a combination of in-house and third-party investment managers and a range of portfolio management and financial planning services.

Lorraine Geraghty is a financial advisor with Morgan Stanley in West Conshohocken, PA. She holds a Series 66 designation and has 22 years of industry experience. Her prior roles include positions at UBS Financial Services and Hightower Advisors. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory programs supported by structured planning tools and investment analysis from its Global Investment Committee.

James Boyd is a CFP® professional with 23 years of experience, currently serving at Mass Mutual Investors Services since 2021. He previously worked at Park Avenue Securities and Guardian Life Insurance Company, accumulating nearly a decade of experience at each. In addition to his advisory role, he is an insurance agent specializing in life, disability, and fixed annuities. MassMutual Investors Services is 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 offers collaborative, annual financial planning engagements using firm-approved analytical tools and supports a range of investment and planning programs.

Robert Salon is a financial advisor at RBC Capital Markets with 29 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Wells Fargo Clearing and Wells Fargo Advisors. Outside of his advisory role, he serves as a co-trustee for his daughter and as executor for his father’s estate. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with a range of advisory programs offering portfolio management, financial planning, and brokerage services. The firm customizes investment strategies based on client risk profiles and employs both in-house and third-party managers, supported by a comprehensive set of integrated capital-markets and asset management capabilities.

Frank Harrison III is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and its Private Bank since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets.

William Hoskins is a financial advisor with Cetera who holds the ChFC® designation along with Series 63 and Series 65 licenses. He has 34 years of industry experience, including roles at Cetera Wealth Services, Summit Financial Group Inc, and Summit Brokerage Services Inc. He is based in Lafayette Hill, PA. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of investment and financial planning services through a large network of independent advisors and provides access to multiple portfolio management options across various program structures.