Michael Johnson is a financial advisor at Morgan Stanley with seven years of industry experience. He holds Series 63 and Series 66 designations and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2018. Outside of his advisory role, he has been involved with MRJ Sports, operating the basketball-related business Hoopaholics since 2004. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning that utilizes firm-approved planning tools and models, managing approximately $2.74 trillion in client assets.

Mark Bean is a financial advisor at Merrill with 19 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2006 and Bank of America, N.A. since 2013. Outside of his advisory role, he serves as a board member for the Wild Bird Research Group, a nonprofit focused on bird conservation research in the Americas. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed accounts, third-party manager selection, discretionary portfolio management, brokerage, and custody services. The firm integrates closely with Bank of America affiliates and emphasizes managed account and manager-selection capabilities supported by a CIO-managed platform.

Brett Osborn is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and has worked previously at National Comfort Products, State Farm, Giant Fitness, and Kutztown University. Outside of advising, he is involved in tax preparation and administrative work with Penn Wealth Accounting Group. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver personalized recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.

Alexander Struck is a financial advisor at Merrill with 16 years of industry experience. He holds a Series 66 designation and has been with Merrill 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 plans, corporations, and charitable organizations.

Doug Prosser is Vice President and Executive Planning Consultant at Fidelity Investments, where he has been serving since 2017. In this role, he partners with executives to help them understand and optimize their employer benefits, employing a consultative approach to tailor financial plans that align with their individual goals and objectives. Doug's career in financial services spans several roles and companies since 1994, including positions at Fidelity Investments, TIAA-CREF, TD Ameritrade, Waterhouse Securities, and L.C. Wegard. His experience includes financial consulting, wealth management advising, client relationship management, investment consulting, and branch management. Outside of his professional work, Doug enjoys boating, cars, fishing, spending time at the lake, motorcycles, and surfing.

Stephen Walker Jr. is a financial advisor at Ameriprise with over 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 1995. In addition to his advisory role, he owns WX3 Practice Management, a practice management business. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service that focuses on dependable income sources and tax-aware withdrawal strategies.

Scott Marshall is a CFP® with 29 years of industry experience, currently serving at Cambridge Investment Research Advisors since 2005. He has held roles at affiliated Cambridge entities since 2002. Outside of his advisory work, he serves as a board member of the Lenape Valley Foundation, a nonprofit organization in Doylestown, PA. Cambridge Investment Research Advisors, Inc. serves a wide range of individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services. The firm manages a multi-billion dollar asset base through thousands of financial professionals and provides access to multiple platforms and proprietary model strategies.

Robin Wedeking is a Series 66-licensed advisor with Merrill, based in Pennington, NJ, and has 21 years of industry experience. He has been with Merrill for multiple tenures totaling over 30 years, including a brief period at BofA Securities in 2019. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services primarily 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 investors, and institutional accounts.

Richard Lepard is a financial advisor with Primerica Advisors in Chalfont, PA, holding Series 63 and Series 65 licenses and two years of industry experience. His prior work includes roles at Corelogic, Ice Mortgage Technology, Black Knight, and a long tenure with Primerica Financial Services dating back to 1999. Primerica Advisors manages a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-delivery strategies created by unaffiliated asset managers and provides support through BNY Mellon Advisors and Pershing for trade execution and custody.

Eric Whitsett is a financial advisor at Merrill with 27 years of industry experience. He holds Series 63 and Series 66 licenses and 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

James Korman is a financial advisor at LPL Enterprise with a Series 66 designation and one year of industry experience. His work history includes roles in education and marketing, with current teaching responsibilities at Lafayette College and involvement in language learning services through Kreyco Educational Services. He has also served in the U.S. Army Reserve. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm utilizes model-driven investment implementation and offers financial planning, access to third-party asset managers, and participation in a wrap program, while also facilitating insurance product sales through affiliated entities.

Victoria James is a financial advisor at Merrill with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 2013. Outside of her advisory role, she participates as a shopper and delivery person for Instacart. 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 and profit-sharing plans, corporations, and charitable organizations.

William Palisca is a financial advisor with OSAIC who holds Series 63 and Series 66 designations and has 25 years of industry experience. He has worked at James Startzell since 2000 and joined OSAIC in 2023. Palisca also operates a sole proprietorship under the name Legacy Financial Services Group, providing sales and service support to clients. OSAIC Wealth serves a diverse client base including retail investors, high-net-worth households, retirement plan sponsors, charities, and corporate clients. The firm employs a model-based investment process featuring portfolio optimization and multiple advisory platforms, supported by a broad affiliate network and private-equity ownership.

Trina Tirpak is a financial advisor at Fidelity with 19 years of industry experience. She holds the Series 66 designation and has worked previously at Wells Fargo Clearing Services LLC, RBC Capital Markets Corporation, and J. B. Hanauer & Co. prior to joining Fidelity. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios. The firm serves a diverse client base, including registered investment companies and charitable funds, and employs systematic methodologies with oversight controls to address conflicts of interest.

Brendan Daly is a financial advisor with MassMutual Investors Services, holding a Series 66 designation and four years of industry experience. His previous roles include positions at Deloitte Tax LLP and Equitable Advisors LLC. Outside of advisory work, he is engaged as a tax specialist with Julian Sur, CPA, where he prepares tax returns and performs accounting services. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, using detailed client data and firm-approved analytic tools to deliver written recommendations.

Zachary Williams is a financial advisor at Merrill with nine years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America since 2017. Prior to that, he was employed at MarketGrader Capital and D&P Optical. 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.

Gracelyn Paul is a financial advisor with Primerica Advisors holding Series 63 and Series 65 licenses. She has been working in the financial services industry since 2025. Outside of her advisory work, she has experience running Olive Oil Etcetera, a business she has operated since 2016. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-based strategies managed by third-party asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Bennett Zaba is a CFP® professional with eight years of experience in the financial advisory industry. He is currently with Cambridge Investment Research Advisors and has prior experience at The Vanguard Group, City National Rochdale, and self-employment. Outside of his advisory role, he volunteers as a coach for the Catholic Youth Organization (CYO) in Warminster, PA. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages assets on multiple platforms with discretionary and non-discretionary services and provides proprietary and third-party model strategies.

Lauren Dale is a financial advisor at Fidelity with 29 years of industry experience. She holds Series 63 and Series 66 licenses and has worked with Strategic Advisers and Fidelity Personal and Workplace Advisors prior to her current role. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional investors, as well as charitable funds and registered investment companies. The firm employs a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction, managing multi-manager and fund-of-funds structures and delivering model portfolios through systematic methodologies.

Matthew Cramer is a CFP® professional with 27 years of industry experience, currently serving as a financial advisor at Charles Schwab since 2013. He is also the managing principal of Cramer Management LLC, a business involved in the operation of a franchise branch. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by centralized custody and operational infrastructure.