Jonathan Oh is a financial advisor with Fidelity Investments based in Philadelphia, PA, holding a Series 66 license and three years of industry experience. His prior work includes roles at The Vanguard Group, Inc. and various entrepreneurial ventures. Outside of advisory work, he participates in mobile app-based activities such as survey completion and remote inspection. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolios constructed through proprietary research and algorithmic methods. The firm is noted for its use of quantitative analysis, AI-driven research, and oversight of affiliated and unaffiliated sub-advisers.

Salvatore Kaufman is a financial advisor at Mass Mutual Investors Services with a Series 66 designation and less than one year of industry experience. His prior experience includes three years at JR Capital and several years in educational roles at Arizona State University and Strath Haven schools. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services 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 programs including estate settlement and employer-sponsored planning.

Stephanie Reiner is a financial advisor at UBS Financial Services with 10 years of industry experience. She holds Series 63 and Series 66 credentials. Her prior work includes roles at J.P. Morgan Securities and Jpmorgan Chase Bank NA. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and affiliated banking programs.

Alain Boletta is a CFP® professional at Morgan Stanley with 19 years of industry experience. His prior roles include positions at The Vanguard Group and Lincoln Investment. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets and offering a range of retail and institutional investment solutions.

Ryan Wall is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior roles include positions at BNY Mellon and Bank of America, N.A. He also worked with Students of Georgetown, Inc. and Georgetown University early in his career. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for a range of clients including individuals, high-net-worth clients, and institutional investors. The firm uses model-based and discretionary investment strategies developed by internal and third-party managers and offers various portfolio implementation options tailored to investor needs.

Thomas Olbrich is a financial advisor with Cetera, holding the ChFC® designation and the Series 63 license, and brings 39 years of industry experience. His prior work includes roles at LPL Financial and INVEST Financial Corp. Outside of his advisory work, he serves as a board member for the Moorestown Lacrosse Club and is involved with the Foxtail Homeowners Association architecture committee. Cetera Investment Advisers LLC is a large SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management, financial planning, and consulting services through a multi-manager platform with options ranging from model portfolios to customized strategies.

Christopher Funkey is a financial advisor with Morgan Stanley in Philadelphia, PA, holding a Series 66 designation and seven years of industry experience. His prior work includes roles at Lord, Abbett & Co. and MacQuarie Investment Management Business Trust. Outside of his advisory work, he serves as a part-time broadcaster and commentator for the Penn State Division I Men's Ice Hockey Team. Morgan Stanley Wealth Management is a large institution serving both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies.

Christopher Reber is a financial advisor with Merrill in Mount Laurel, NJ, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has been with Merrill since 2006. Outside of his advisory role, he is the owner of Reber Capital Group LLC, a for-profit business engaged in passive real estate investing. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies constructed by internal and third-party managers.

Kevin Sporer is a financial advisor with Ameriprise in Marlton, NJ, holding a Series 66 designation and 20 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Sporer serves on the board of the Peggy Spiegler Melanoma Research Foundation. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides retirement income planning through written reports and ongoing advice focused on dependable income and tax-aware withdrawal strategies.

Carl Haag is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has been with Merrill since 2011. 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 a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Anittah Patrick is a Financial Advisor at Merrill Lynch Wealth Management, specializing in services for endowments, foundations, non-profits, women and wealth, and tax minimization. She approaches financial planning with analytical rigor and practical execution to help clients clarify complexity and build financial systems that support their evolving lives. She holds a Personal Investment Advisor (PIA) designation and received her education from Yale University and The Indiana Academy for Science, Mathematics, & Humanities. Anittah focuses on helping clients make confident financial decisions that consider opportunity, time, and tradeoffs, aiming to create freedom and possibilities that foster long-term well-being. Anittah is involved with the Yale Alumni Association and balances her professional work with personal interests that include basketball, gardening, genealogy, hiking, reading, spending time with family, and writing.

Peter Klein is a financial advisor with MassMutual Investors Services in Newtown Square, PA. He holds a Series 66 designation and has five years of industry experience. His prior work includes positions at MASSMUTUAL Life Insurance Co/Creative Financial Group and Herman Goldner Company. Klein is also the owner of Klein Consulting, LLC, a pass-through entity for commissions. MassMutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser, offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides planning engagements through collaborative, annual relationships and uses firm-approved analytical tools to develop recommendations tailored to client goals.

Jason Checksfield is a Series 66-licensed financial advisor with UBS Financial Services in Philadelphia, PA, where he has worked since 1999. He has 22 years of industry experience. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and operates as a broker-dealer, investment adviser, and futures commission merchant.

Anthony Scarpino is a financial advisor at MassMutual Investors Services with Series 66 credentials and one year of industry experience. His prior roles include positions at American Settlement Funding and DRB Capital. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm employs collaborative, goal-based planning using firm-approved analytical tools and offers specialized programs including divorce planning and estate-settlement services.

Americo Santella is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of finance, he owns and operates a dog grooming business, POSH PETS LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory and tailored to plan-specific objectives and risk tolerances.

Douglas Bobrow is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at J.P. Morgan Chase Bank and J.P. Morgan Securities since 2015. Outside of his advisory role, he serves on the Investment Committee of the Phi Beta Kappa Society and is a partial owner of On-Point Nutrition LLC, a retail business specializing in weight loss and nutrition products. 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. The firm operates within the broader J.P. Morgan organization and delivers services on a non-discretionary basis.

Jared Crouse is a CFP® professional with 20 years of industry experience, currently serving at Wells Fargo Clearing since 2016. His background includes a prior role at WELLS FARGO Advisors, LLC. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Kai Calabretta is a Planning Consultant at Fidelity Investments, a role he has held since 2024. He previously worked as an Investment Solutions Representative at Fidelity Investments from 2021 to 2024. Prior to joining Fidelity, Kai was an Onboarding Specialist at The Vanguard Group in 2021 and served as a Licensing and Commissions Representative at Pacific Life from 2019 to 2020. Kai values clients' opinions and experiences to better understand their individual situations. His professional background includes experience in investment solutions, client onboarding, and licensing and commissions within the financial services industry. Outside of his professional work, Kai has interests in art, fitness, playing musical instruments, visiting museums, and snowboarding.

Vivian Hoang is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and possessing nine years of industry experience. She has been with Wells Fargo Clearing since 2016 and has worked with Wells Fargo Bank since 2014. Outside of her advisory role, she owns a commercial property leased to an Italian restaurant in Philadelphia. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Patrick Welde is a financial advisor with Merrill and holds a Series 66 designation. He has 14 years of industry experience, working with Bank of America and Merrill since 2012. Outside of his advisory role, he owns a sole proprietorship focused on publishing children's books and serves on a committee for Project HOME, a nonprofit working to improve conditions for the homeless population in Philadelphia. 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, pension plans, corporations, and charitable organizations.