Mesmin Pelerin is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 35 years of industry experience. He has previously worked at firms including Waddell & Reed, Ameriprise, Merrill, and PNC Wealth Management. He also served as a FINRA non-public arbitrator in 2021. 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 other institutions. The firm offers financial planning, managed portfolio programs, third-party asset management access, and institutional platforms, supporting a wide range of investment strategies and technologies.

Justin Eney is a financial advisor at Equitable Advisors in Bala Cynwyd, PA, holding a Series 66 designation with approximately one year of experience. His prior roles include positions at Mass Mutual Greater Philadelphia and unrelated work in education and fitness settings. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management primarily through a network of Investment Adviser Representatives and third-party advisory programs.

Nicole Orlowski is a financial advisor at UBS Financial Services with a Series 66 designation and three years of industry experience. Before joining UBS in 2021, she worked at Digital Dragon and Rat Sound Systems. Outside of her advisory role, she freelances as a live sound engineer for concerts and events in New Mexico. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and proprietary research to tailor client plans.

Sara Soucie is a financial advisor with Wells Fargo Clearing in Philadelphia, PA, holding a Series 66 designation and bringing 21 years of industry experience. Her prior work includes roles at Suntrust Investment Services, Inc., Chase Investment Services Corp., and Banc One Securities Corporation. Outside of her advisory work, she co-owns a pet care services business, Phoenix Waggy Tails, where she oversees accounting and financials. 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 offers both brokerage and advisory solutions.

Neil Newman is a financial advisor at UBS Financial Services with 46 years of industry experience. He holds Series 63 and Series 65 credentials and has been with UBS since 2009. UBS Financial Services Inc. 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 utilizes proprietary research and model-based asset allocations to tailor advice to clients’ goals and risk tolerances.

Oluseun Onitiri is a financial advisor at RBC Capital Markets with one year of industry experience. He holds the Series 66 designation. Prior to joining RBC, he had roles at Morgan Stanley and several hospitality and legal firms. RBC Wealth Management serves a wide range of clients including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

Sara Egan is a financial advisor at Morgan Stanley with 13 years of industry experience. She holds a Series 66 designation and has previously worked at JPMorgan Securities, LLC and JPMorgan Chase Bank, N.A., in addition to earlier tenure at Morgan Stanley. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools, with an emphasis on client responsibility for plan implementation and updates.

John Owsiak is a financial advisor with Equitable Advisors, holding a Series 66 designation and 19 years of industry experience. He has worked at Equitable Advisors since 2007, including time under its prior name, Axa Advisors, LLC. Outside of his advisory work, he is involved in an outside insurance brokerage business and serves as an administrator, executor, or trustee for trusts and estates. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and various asset management programs. The firm utilizes a network of Investment Adviser Representatives and third-party managers, offering a range of investment options without sponsoring its own wrap fee program.

David Bruno is a financial advisor with LPL Enterprise, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 37 years of industry experience, including a long tenure at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise, LLC serves a diverse client base including individuals, high-net-worth investors, retirement plans, banks, and charitable organizations. The firm provides investment advisory and brokerage services, utilizing model-driven investment strategies and offering access to third-party asset managers, financial planning, and insurance products through affiliated entities.

Ryan Murray is a financial advisor with Ameriprise based in Jamison, PA, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has worked with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, Murray serves as Treasurer for Nestlewood Estates, is a member of the finance committee at Solomon's Lodge No. 3, and holds leadership positions including Honorary Chairman of the Business Advisory Council and President of Alternative Care Concepts. He also supports local education through involvement with the Jamison Elementary Home & School Association. Ameriprise offers retirement-income planning services aimed at individuals approaching or in retirement with significant investable assets, providing detailed Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary advice, primarily focusing on assets held in Ameriprise Managed Accounts.

Patrick Markunas is a CFP®-certified financial advisor with nine years of industry experience. He is currently with Fisher Investments, where he has worked since 2021. His prior roles include positions at TD Ameritrade, Charles Schwab, and Hudl. Fisher Investments serves a global mix of institutional and private clients, offering discretionary portfolio management and sub-advisory services across equity, fixed-income, and blended mandates. The firm employs a centralized investment approach combining quantitative and qualitative research to construct diversified portfolios.

David Mebs is a financial advisor with Equitable Advisors in Conshohocken, PA, holding Series 65 and Series 63 licenses and having 13 years of industry experience. He has worked at Equitable Advisors since 2016, following earlier roles with Axa Advisors and MSI Financial Services. Outside of his advisory work, Mebs is involved with independent insurance sales and settlement consulting through FIRSTRUST Financial Resources and Sage Settlement Consulting. Equitable Advisors serves a broad client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives. The firm utilizes a range of third-party advisory models and provides ERISA fiduciary services, without sponsoring its own wrap fee program or advertising hypothetical performance.

Kate Hershey is a financial advisor at Raymond James Financial with 23 years of industry experience. She holds a Series 66 designation and has worked with PNC Financial Services Group since 2006. Hershey is also a licensed employee at Fulton Bank, where she dedicates a significant portion of her time. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and supports municipal and public-finance work through unique affiliations.

Monique Castillo is a financial advisor with Cetera in Philadelphia, holding a Series 66 license and 18 years of industry experience. Her prior roles include positions at Oppenheimer & Co Inc and Concourse Financial Group Securities Inc. She also operates a financial services business, Higher Ground Financial Services, offering investment and insurance services. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a variety of portfolio management and financial planning services, employing a multi-manager platform with access to affiliated and third-party managers.

Marc Bianchi is a financial advisor with Morgan Stanley in Blue Bell, PA, holding a Series 66 designation and 23 years of industry experience. He has worked at various Morgan Stanley entities since 2007, including Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and investment research.

Spencer Markoe is a financial advisor at Ameriprise with nine years of industry experience. He holds the Series 66 designation and previously worked at Bank of America and Merrill. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning through written recommendations and annual advice on income sources and tax-aware withdrawal strategies.

Steven Ogorman is a financial advisor with OSAIC based in Cherry Hill, NJ, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has worked at Royal Alliance Associates, Inc. since 2002. Outside his advisory role, he serves as an insurance representative for Pinnacle Taxx, a tax and investment-related business. OSAIC Wealth serves a diverse client base including retail investors, retirement plans, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm employs a model-based investment process with various portfolio management options and is noted for its scale, affiliate network, and private-equity ownership.

Bryan Baker is a financial advisor with Wells Fargo Clearing in Philadelphia, PA, holding a Series 63 designation and 40 years of industry experience. He has been with Wells Fargo Clearing since 2016. 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 offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

David Smith is a financial advisor with Morgan Stanley in Philadelphia, PA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He previously worked at Goldman, Sachs & Co. for 22 years before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC in 2020. Outside of finance, he is the sole proprietor and officer of Avier LLC, which holds the commercial rights to the musical *Little Things*. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, offering tailored financial planning supported by firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and provides planning services both directly and through corporate agreements.

Justin Buffington is a financial advisor with Equitable Advisors in Bala Cynwyd, PA, holding a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, he was self-employed for four years and has worked in various roles including part-time bartender at The Borough Pub. Equitable Advisors serves individual clients across wealth segments, as well as pension plans, corporations, and nonprofits, offering financial planning, retirement consulting, and asset-management programs. The firm utilizes a combination of proprietary and third-party advisory models and emphasizes matching clients with suitable investment solutions based on risk tolerance and personal information.