Timothy Gallagher is a Series 66-licensed financial advisor with UBS Financial Services in Mt. Laurel, NJ, where he has been practicing for 10 years within his 15 years of industry experience. Prior to joining UBS in 2016, his background details are not specified. Outside of his advisory role, he operates a sole proprietorship managing real estate-related activities. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, utilizing proprietary research and model-based asset allocations to tailor investment strategies.

William Burrough is a Wealth Management Advisor with Merrill Lynch Wealth Management in the Philadelphia office. He has over 40 years of experience in the financial services industry, including more than 35 years as a financial advisor with Merrill Lynch. William holds the professional designations of CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA), as well as the title of Portfolio Manager. He earned a bachelor's degree in Business Management from The College of New Jersey and a master's degree in Finance from Rider University. William’s expertise includes family wealth management strategies, personal retirement planning, portfolio management services, socially responsible and values-based investing, and retirement income planning. His approach to wealth management emphasizes a fully integrated and holistic process tailored to each client’s specific goals, objectives, and risk tolerance. William has been an active member of his community for over 50 years. He serves on the board of the Haddon Heights Senior Housing Corporation and is involved with Interfaith Caregivers and the First Presbyterian Church of Haddon Heights, where he also serves on the board of deacons. Beyond his professional and community commitments, he enjoys cooking, golfing, hiking, ice hockey, traveling, and spending time with his family.

Victor Ladolcetta is a financial advisor at LPL Enterprise with six years of industry experience. He holds Series 63 and Series 65 licenses and has prior work experience at Prudential Insurance Company of America, Pruco Securities, LLC, Equitable Advisors, and HSBC. Outside of his advisory role, Ladolcetta is also involved with The Clark Group, LLC, providing insurance and financial product sales and services. LPL Enterprise serves a broad range of clients, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering both advisory and brokerage services. The firm’s integrated platform combines adviser programs with financial product sales and provides access to model portfolios, third-party asset management, and insurance products.

Robert Moses is a Certified Financial Planner (CFP®) at UBS Financial Services with 26 years of industry experience. He has been with UBS since 2000. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management to provide a broad range of services.

George Marateo is a financial advisor at Morgan Stanley with 46 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its financial planning process.

Thomas Penrose is a financial advisor with Wells Fargo Clearing in Philadelphia, PA, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2013 to 2016. Outside of his advisory role, he occasionally assists with expediting food service at a family-owned business. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory approach incorporates modern portfolio theory and includes a broad range of investment options, such as insurance-related vehicles and bank deposit sweep programs.

Brandon Valentin is a financial advisor with UBS Financial Services holding a Series 66 designation and has been in the industry since 2022. Prior to joining UBS in 2024, he worked at Merrill Lynch and has experience in the financial sector as well as a brief tenure with the Philadelphia Eagles. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor financial plans and portfolio management.

Rashon Holmes is a Planning Consultant at Fidelity Investments, a position he has held since 2022. In this role, he works closely with clients to develop comprehensive financial plans tailored to their life stages and individual circumstances. Prior to joining Fidelity Investments, Rashon served as a Premier Advisor at Citizens Bank from 2019 to 2022 and as a Relationship Banker at Santander from 2018 to 2019. His experience spans various aspects of financial advising and client relationship management. Rashon emphasizes building long-term relationships based on mutual respect and trust. He leverages the tools available at Fidelity to assist clients throughout their financial journeys, aiming to provide them with confidence in their overall financial plans.

Daniel Heenan is a Certified Financial Planner (CFP®) with 30 years of experience in the financial industry. He has worked at RBC Capital Markets since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a variety of advisory programs and portfolio management services tailored to clients' risk profiles, utilizing both in-house and third-party investment managers.

Thomas Dziubek Jr. is a financial advisor at Cetera with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera and its affiliated entities since 2014, as well as at VOYA Financial Advisors and Falzone Financial Services. In addition to his advisory role, he operates independent insurance and financial services businesses, including preparation of personal tax returns. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform allowing advisors to use affiliated and third-party model portfolios, discretionary and non-discretionary management, and various program structures.

David Schneider is a financial advisor at LPL Enterprise with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Prudential Insurance Company of America, Pruco Securities, LLC, Nylife Securities LLC, and New York Life Insurance Company. Schneider is also a regional director in Prudential’s Property and Casualty division. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset managers through an integrated platform that combines advisory and brokerage capabilities.

Madison Saurman is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he leads the team Saurman, Sciascia, Maher & Associates. He provides sophisticated, goals-based wealth management advice and focuses on risk management, retirement income strategies, long-term care planning, wealth transfer and estate planning, concentrated stock strategies, customized lending solutions, and philanthropic and legacy planning. His approach involves close collaboration with clients' attorneys, tax professionals, and insurance advisors to simplify and clarify their financial lives. Madison began his wealth management career in 1995 at Smith Barney and joined Merrill Lynch Wealth Management in 2009. He holds the CERTIFIED FINANCIAL PLANNER (CFP) and CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) designations, in addition to being a Personal Investment Advisor (PIA) and Retirement Benefits Consultant (RBC). He earned his Bachelor's degree from West Virginia University and completed executive education courses at the Wharton School of Business, Harvard Business School, and Yale School of Business. A native and lifelong resident of Bucks County, Madison resides in Washington Crossing with his wife, Beth, and their daughter. He is a past President of the Newtown Rotary Club and coaches youth soccer with Coach Patriot FC. His personal interests include whitewater kayaking, playing golf, running, and supporting the Philadelphia Eagles and West Virginia Mountaineers.

Michael Fox is a financial advisor with Cetera, holding the ChFC® and Series 63 designations and bringing 55 years of industry experience. He has been affiliated with Cetera since 1994 and has operated his own firms, Financial Planning Works, Inc. and Michael Fox & Associates, Inc., since the 1980s. Fox also engages in tax preparation and bookkeeping through his financial planning business. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a nationwide network of over 10,000 independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management options, financial planning, and access to a range of third-party money managers.

Kevin Gulyas is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities and J.P. Morgan Chase Bank since 2016. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Charles Lynch is a financial advisor at UBS Financial Services with 19 years of industry experience. He previously spent 16 years at Sanford C Bernstein before joining UBS in 2023. Lynch holds the Series 66 designation. Outside of his advisory work, he serves on the boards of the Coral Restoration Foundation and the National Italian American Foundation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary research and model-based asset allocations to tailor portfolios to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, offering a broad range of products and capital markets services.

Myles Koven is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 66 and Series 63 licenses and has worked in various roles within J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. Koven has also been involved in political campaign work, including positions with the PA Senate Democratic Campaign Committee and Allan Domb for City Council. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Damien Ramondo is a financial advisor at RBC Capital Markets with 27 years of industry experience. He has worked at Questar Capital Corporation and Allianz Life prior to his current role. Outside of his financial career, he co-owns a vacation rental property with his wife. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a variety of advisory programs with tailored investment strategies and access to both in-house and third-party managers.

Kyle Elfstrom is a financial advisor at Merrill with 17 years of industry experience and holds a Series 66 designation. He has worked at Merrill since 2008 and at Bank of America, N.A. since 2010. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

David Kushner is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 18 years of industry experience. He has been with Raymond James & Associates since 2012. Outside of his advisory role, he is a partner and investor in the restaurant Farmer's Keep in Philadelphia. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and charitable organizations. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing a range of portfolio management styles supported by affiliated research and model managers.

Brian Leone serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in areas such as college education planning, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, and tax minimization. Brian applies his expertise to help clients develop individual and corporate investment strategies, retirement income planning, and supports women and wealth initiatives. Prior to his current role, Brian transitioned from a background in education, holding a bachelor's degree from Temple University, to financial services. He holds professional designations including Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), and Personal Investment Advisor (PIA). Brian is experienced in developing tailored financial strategies addressing diverse client needs and priorities. Outside of his professional work, Brian enjoys spending time with his family and has interests in baseball, basketball, football, music, soccer, and softball.