Joseph Cesario is a Planning Consultant at Fidelity Investments, where he collaborates with clients and financial advisors to develop comprehensive financial plans. His approach focuses on understanding clients' financial goals as well as their family and charitable priorities to create tailored long-term strategies. Joseph's experience includes roles as a Relationship Manager and Financial Representative at Fidelity Investments, where he gained expertise in client relationship management and financial services. This progression highlights his commitment to supporting clients in achieving their financial objectives. Outside of his professional work, Joseph has personal interests in beach activities, cooking and baking, fitness, gardening, golf, and spending time with pets.

Niki Falco is an Investment Consultant at Fidelity Investments, where she focuses on helping clients achieve their financial goals through personalized planning and ongoing support. She emphasizes building meaningful relationships with clients to better understand their unique circumstances and provide tailored financial guidance. Her professional experience includes roles as a Financial Representative at Fidelity Investments in 2024, a Corporate Actions Analyst at BlackRock from 2022 to 2024, and positions at Vanguard from 2020 to 2022, including Corporate Actions Administrator and Corporate Actions Communications Specialist. This background has given her a broad understanding of investment services and corporate actions. Outside of her professional work, Niki enjoys fitness, social events with friends, hiking, movies, music, and spending time with pets.

Jeffrey Miller is a financial advisor at Fidelity with Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Fidelity in 2026, he worked at Pacer Financial, Inc. for four years and has held various roles outside of finance, including positions in painting and landscaping. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and fund advisory services.

Richard Ranauto is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing since 2016, following six years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Jeffrey Filoon Sr. is a financial advisor with MassMutual Investors Services in Radnor, PA, holding Series 63 and Series 66 credentials and six years of industry experience. His prior work includes roles at NYLIFE Securities LLC and New York Life Insurance Co. Outside of finance, he was involved with Three Monkeys Cafe for six years. MassMutual Investors Services, a subsidiary of MassMutual, provides financial planning, asset management, and educational seminars to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual planning engagements using firm-approved analytical tools.

Christopher Fallon is a financial advisor with Mass Mutual Investors Services, holding the ChFC® designation and Series 63 and 65 licenses. He has 20 years of industry experience, including roles at MetLife Securities Inc. and Massachusetts Mutual Life Insurance Company. Fallon is also licensed as an agent for individual and group life, health, and long-term care insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, utilizing firm-approved analytical tools to deliver tailored investment strategies without discretionary authority.

Margaret Todd is a CFP® with 18 years of industry experience, currently with Wells Fargo Clearing since 2016. She previously worked at Wells Fargo Advisors LLC from 2015 to 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 provides a range of brokerage and advisory solutions supported by extensive research and analytics.

Joseph Shultz is a financial advisor with Wells Fargo Clearing in Radnor, PA, holding Series 63 and Series 65 designations and 15 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2010 to 2016. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, employing research and analytics to support its investment approach.

Greg Maxey is a Financial Consultant currently working at Fidelity Investments. He has been with Fidelity since 2022, holding various roles including Financial Representative, Relationship Manager, Investment Consultant, and Financial Consultant. Prior to joining Fidelity, he worked as a Financial Consultant at Equitable Advisors. As a Certified Financial Planner, Greg works with both new and experienced investors to develop clear, actionable financial strategies. He utilizes digital tools to monitor progress, identify opportunities, and adjust plans over time to keep them aligned with clients' evolving goals. His approach centers on simplifying complex financial concepts and providing practical guidance through each step of the planning process.

Robert Stofa Jr. is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and over 30 years of industry experience. He has been with Morgan Stanley Smith Barney since 2011 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs with a focus on tailored financial planning, managing approximately $2.74 trillion in client assets.

Jeffrey Simpson is a financial professional with 31 years of industry experience, currently affiliated with Cetera. He holds the ChFC® designation along with Series 63 and Series 65 licenses. His prior experience includes long-term roles at Minnesota Life and Securian Financial Services, as well as ongoing involvement with Wechsler/Marsico Agency and Wexco Financial Group. Outside of advisory work, he serves on the advisory board of the Rocky Run YMCA. Cetera Investment Advisers LLC operates a large nationwide network of independent advisors serving individuals, retirement plans, and institutional clients. The firm offers a range of portfolio management and financial consulting services, utilizing a multi-manager platform that includes automated and bespoke investment strategies.

Michal Pieczonka is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 14 years of industry experience. He previously worked at Bank of America and Merrill from 2011 to 2024 before joining J.P. Morgan Securities in 2024. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

David Swaney Jr. is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. His previous roles include tenures at Prudential Insurance Company of America, Pruco Securities, AXA Advisors, and Farmers Insurance Group. He is also involved in selling Medicare Advantage, Medicare Supplement, auto, and homeowners insurance through affiliated agencies. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth clients, retirement plans, banks, and charitable entities through a network of investment adviser representatives. The firm employs a model-driven investment approach, offering financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

David Marsico is a CFP® professional with 20 years of industry experience. He is currently affiliated with Cetera and Diamond State Financial Group and has worked previously at BNY Mellon Advisors, Minnesota Life Insurance Co, and Securian Financial Services Inc. Outside of his advisory roles, Marsico owns business entities used for tax purposes. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering a range of portfolio management and financial planning services through a large network of independent advisors. The firm operates a multi-manager platform with various program structures and custodial relationships.

John Patterson Jr. is a CFP®-designated financial advisor with 34 years of industry experience, currently with Ameriprise Financial Services. His prior roles include positions at LPL Financial, IC Advisory Services, The Investment Center, and TFS Securities. Outside of advising, he serves as treasurer on the board of Chester Rural Cemetery, a nonprofit organization, and acts in a fiduciary capacity for the David S Gerber Insurance Trust. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides clients approaching or in retirement with written recommendation reports and ongoing tax-aware withdrawal strategies, supported by a centralized service team and proprietary research.

Graydon Schunkewitz is a CFP® certificant based in Exton, PA, with 10 years of industry experience. He has worked at The Vanguard Group and its affiliates for a decade before joining LPL Financial, where he has been an advisor since 2026. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services through a large network of investment adviser representatives, offering financial planning, model portfolios, third-party asset management, and institutional platforms.

Daniel Scribner is a financial advisor with Ameriprise in Wilmington, DE, holding a Series 66 designation and nine years of industry experience. He has been with Ameriprise and its related entities since 2015. Scribner is also co-owner of Truecore LLC, where he manages an advisory business. Ameriprise provides retirement-income planning services primarily for individuals with substantial investable assets, combining research, modeling, and tax-efficient strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Joseph Valdrini is a financial advisor at Merrill with 47 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Merrill since 1979, concurrently serving at Bank of America since 2011. Outside of his advisory work, he is a limited partner in Desolina LLC. 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, retirement plans, corporations, and charitable organizations.

Daniel First is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and 26 years of industry experience. He has worked with Mass Mutual Investors Services since 2017 and previously with MetLife Securities Inc. from 2015 to 2017. Outside of his advisory role, he coaches basketball at Bishop Shanahan High School. Mass Mutual 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 seminars, utilizing collaborative, annual planning processes with firm-approved analytical tools.

Mark Mccaffrey is a financial advisor with Charles Schwab in Wilmington, DE, holding Series 63 and Series 66 credentials and bringing 20 years of industry experience. His career includes roles at Charles Schwab Bank, The Vanguard Group, and managing his own insurance agency for 14 years. Charles Schwab serves a large client base primarily consisting of 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 offers a combination of non-discretionary and discretionary investment options, supported by a multi-asset model portfolio approach and integrated operational infrastructure.