William Torrance is the Resident Director at Merrill, where he delivers personalized financial advice tailored to the needs of clients at every stage of life. With a career in the financial services industry that began in 2006, William and his team focus on providing a wealth planning experience designed to simplify the complexities of financial life. His expertise encompasses a broad range of areas including college education planning, employee benefits, family wealth management, legacy planning, retirement income, portfolio management, and tax minimization. William holds a Bachelor's degree from the Pennsylvania State University System and has completed studies in Fintech, Cryptocurrency, Crowdfunding, and AI at the Wharton School of Business. He has earned professional designations including Chartered SRI Counselor (CSRIC) and Personal Investment Advisor (PIA). Committed to community involvement, William volunteers with the Hearing Loss Association of America (HLAA). Residing in Newtown, Pennsylvania, William lives with his wife Ginny and their three children. Outside of his professional obligations, he spends time with family and enjoys adventure sports, basketball, football, hunting, running, skiing, swimming, traveling, woodworking, kayaking, and running.

Meagan Hall is a financial advisor with Morgan Stanley in Blue Bell, PA, holding Series 63 and Series 66 licenses and bringing five years of industry experience. Her prior roles include positions at The Vanguard Group and involvement with organizations such as Health Advocate and Sobriety Solutions. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning using firm-approved tools and models.

Michael Farquharson is a CFP® professional with 28 years of experience in the financial services industry. He is currently affiliated with LPL Financial and M&T Securities, where he serves as a Financial Consultant. His prior experience includes roles at Santander Securities LLC and Citizens Securities, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides advisory and brokerage services through a large network of representatives, offering financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Sharina Mack is a financial advisor at Merrill with 15 years of industry experience and holds the Series 66 designation. She has been with Merrill since 2012 and previously worked at Bank of America, N.A. Beginning in 2026. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Todd Lindemuth is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 16 years of industry experience. He has been affiliated with LPL Financial since 2022 and has prior experience at CUNA Mutual Group and Cuna Brokerage Services, Inc. He is involved with the American Heritage Investment & Retirement Center, a business related to his LPL activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies across various platforms.

Keristen Bazile is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. She has been associated with PFS Investments Inc. since 1996 and Primerica Financial Services since 1995. Bazile is also the CEO of Bazile Enterprises LLC, a financial education business focused on improving money management and financial literacy. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and discretionary separately managed accounts for individual and high-net-worth clients. The firm uses third-party asset managers and provides a tiered wrap-fee structure, focusing on curated investment models rather than institutional plan management.

David Mallach is a Wealth Management Advisor and Managing Director at Merrill Lynch Wealth Management, specializing in portfolio management services, socially responsible and ESG investing, special needs planning strategies, individual and corporate investment strategy, and retirement income. He began his career with Merrill Lynch in 1973 and has since developed expertise in assisting affluent clients with strategies for income growth and capital appreciation. He has lectured internationally to investors and investment advisors across the United States, Europe, the Middle East, and Latin America. David has presented his investment presentation on the use of BofA Global Research to Merrill offices worldwide, reflecting his deep knowledge of proprietary research tools. David holds a Bachelor of Science degree in Business from Troy University and completed his secondary education at Cardinal Dougherty. He earned the Personal Investment Advisor (PIA) designation and has served as a FINRA Arbitrator. His professional recognition includes the David Brady Award, which honors commitment to clients, and being named among Barron's top 1,000 financial advisors in America for three consecutive years. David is actively involved in community service through roles such as serving on the boards of Gwynedd Mercy University and the Troy University Foundation. In addition to his financial career, David is a licensed pilot and has authored ten novels. He resides in the Philadelphia area with his wife, Lisa, and their five children, two of whom work alongside him at Merrill Lynch. His personal interests include flying, traveling, and spending time with his family.

John Fair is a financial advisor with LPL Financial in Collegeville, PA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with LPL Financial since 2012 and previously worked at Brooks Brothers for seven years. 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 financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes.

Kevin Cuthill is a CFP® professional with 13 years of industry experience, currently serving at Ameriprise since 2024. Prior to that, he worked at Edward Jones for 12 years. He is also the owner of Cuthill Group, LLC, where he manages an advisory business. Ameriprise offers retirement-income planning services targeted at individuals approaching or in retirement with substantial investable assets. The firm provides a range of advisory, brokerage, and insurance solutions, combining research and modeling with tax-efficient strategies to deliver personalized retirement income recommendations.

Kevin Swantek is a CFP® with 18 years of industry experience, currently affiliated with Osaic Wealth, Inc. He previously spent 17 years at Lincoln Financial Advisors. Swantek is co-owner of several insurance-related businesses and holds roles offering accident, disability, long-term care, and life insurance products. He is also involved in consulting and business management through a co-ownership in SBL Productions Inc. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of advisers. The firm provides integrated brokerage and advisory services with a range of portfolio management options incorporating stocks, bonds, alternatives, and third-party money managers.

Michael Sheehy is a CFP®-designated financial advisor with 34 years of industry experience. He is currently with LPL Financial and has previously worked with Raymond James Financial Services Advisors and Wealth Advisory Services, among others. Based in Doylestown, PA, his career includes multiple roles supporting registered investment advisory businesses. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individual and institutional clients through a large network of investment adviser representatives, offering a range of financial planning, portfolio management, and retirement services.

Omari Thomas is a financial advisor with Equitable Advisors, holding Series 66 and Series 63 credentials and bringing 23 years of industry experience. His prior roles include positions at Merrill, New York Life Insurance Company, and its affiliated broker-dealers. He serves as a board member for Symphony in C and the Camden, NJ planning board. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management programs to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm works with a network of Investment Adviser Representatives and uses a range of third-party asset managers and advisory programs to deliver its services.

Scott Kleiman is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 28 years of industry experience. He has been with LPL Financial (formerly LINSCO/PRIVATE LEDGER CORP.) since 2001. Outside of advisory services, Kleiman is involved in selling fixed annuities and various insurance products, including health, disability, long-term care, whole, universal, and term life insurance. 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 financial planning, model portfolios, third-party asset management, and institutional platforms, combining advisory services with a range of non-advisory financial products.

Ryan Satterthwaite is a financial advisor at LPL Financial with seven years of industry experience. He holds a Series 66 designation and has worked previously at Waddell & Reed Inc. Outside of his advisory role, he is involved with Stone Bridge Financial Partners and Collegeville Tax Services LLC, engaging in tax preparation and accounting activities. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a wide range of strategic and tactical investment approaches.

Robin Clay is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 24 years of industry experience. She has worked at Cetera since 2020 and previously spent nearly two decades with Avantax in various advisory and insurance roles. Outside of her advisory work, she owns a tax preparation and planning business, Tax Returns Plus Financial Services, and is a notary. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a network of independent advisors. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, managing over $256 billion in assets.

Giovanni Astorino II is a financial advisor at Equitable Advisors with one year of industry experience. He holds the Series 66 designation and previously worked at GSA Wealth Management. Outside of his advisory role, Giovanni is associated with an initiative linked to the website ffrpro.com. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through various advisory programs and third-party managers.

Lisa Policare is a financial advisor with Ameriprise Financial Services LLC, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. She previously worked at LPL Financial for 19 years before joining Ameriprise in 2022. Policare serves on the board of the Lenape Valley Foundation and is chair of the Solebury Township Police Foundation. She is also co-owner of FLP Holdings, an LLC that owns the building leased by her firm’s DBA, Penn Wealth Planning LLC. Ameriprise offers a retirement-income planning service for individuals approaching or in retirement, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm serves clients with significant investable assets and integrates advisory, brokerage, and insurance solutions through affiliated entities.

Michael Burns is a financial advisor at Morgan Stanley in Blue Bell, PA, holding Series 66 and Series 63 licenses with three years of industry experience. Prior to joining Morgan Stanley in 2026, he worked at firms including Financial Group of Philadelphia, Wells Fargo Clearing Services, and The Vanguard Group. Outside of finance, he has been involved with Squires Golf Club. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by firm-approved tools and structured discovery conversations. The firm manages approximately $2.74 trillion in client assets and offers diverse investment and planning services.

Thomas Kreider is a financial advisor with Edward Jones in Doylestown, PA, holding Series 63 and Series 66 credentials and 30 years of industry experience. He has been with Edward Jones since 2006. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a wide range of investment strategies and advisory services through a large nationwide network of financial advisors and branch offices.

David Montemurro is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 licenses and 28 years of industry experience. He has previously worked at Prudential Insurance Company of America, Pruco Securities, LLC, and MSI Financial Services, Inc. Outside of his advisory role, he performs as a musician in a local band and volunteers with a nonprofit marine rescue and fire company. LPL Enterprise, LLC provides investment advisory and brokerage services to individuals, high-net-worth investors, retirement plans, banks, and charitable entities through a network of investment adviser representatives. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and insurance product facilitation.