Lester Gallagher IV is a financial advisor with Equitable Advisors, holding a Series 66 designation and bringing 20 years of industry experience. He has worked at Equitable Advisors since 2008 and previously at BNY Mellon Advisors, Inc. from 2007 to 2008. Gallagher is also involved in insurance and benefits-related activities outside his advisory role. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by providing financial planning, retirement plan consulting, and asset-management programs. The firm offers a range of advisory models mostly implemented through third-party managers and provides ERISA fiduciary services to qualified plans.

Evan Dupuis is a financial advisor with Mass Mutual Investors Services in Kennett Square, PA. He holds a Series 66 designation and has been in the industry since 2025. Prior to his advisory role, he worked at Christian Camps of Pittsburgh Inc. for seven years and attended High Point University. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and investment services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers asset management, wrap and money-manager programs, and educational seminars.

Rebekah Allen is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and having 10 years of industry experience. She has been with Primerica Advisors since 2015 and currently operates under the Diehl Financial Group name for certain sales activities. In addition to her advisory work, she is involved in selling loan products through Primerica Mortgage and refers clients to home security and automation services via Primerica Client Services. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure while delegating trading responsibilities to BNY Mellon Advisors.

Derek Koffel is a financial advisor with Edward Jones in Springfield, PA, holding Series 63 and Series 65 credentials and 19 years of industry experience. Prior to joining Edward Jones in 2017, he worked at Kennedy Insurance Services and Raymond James Financial Services Advisors. Outside of his advisory work, he is a partner in a horse racing business, Aloha West Thoroughbred LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment advisory programs and notable capabilities, including a large network of advisors and affiliated services such as trust and securities-based lending options.

Patrick Mc Cann Jr. is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and two years of industry experience. His background includes roles at MML Investors Services, LLC and MassMutual Life Insurance Co, as well as entrepreneurial experience in the food and hospitality sectors. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, providing collaborative, goal-oriented planning supported by firm-approved analytical tools.

Robert Budakian is a CFA® charterholder with 32 years of industry experience and has been with Stifel since 2015. He holds Series 63 and Series 65 licenses and is based in Greenville, Delaware. Outside of his advisory role, he serves as a board member for KAU Little League, contributing to youth sports in his local community. Stifel serves a diverse client base including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach incorporates proprietary methodologies developed by its Investment Strategy Group to provide clients with capital market and asset allocation guidance.

Steven Schriver serves as Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2022. In his work, he focuses on collaborative financial planning, emphasizing its importance as a foundational aspect of his clients' financial well-being. Prior to joining Fidelity Investments, Steven was a Wealth Client Partner at Citizens Securities Inc. for ten years, from 2012 to 2022. His experience in these roles centers on comprehensive financial consulting and partnership with clients. Outside of his professional responsibilities, Steven enjoys a range of personal interests including baseball, concerts, family activities, fitness, music, and traveling.

Matthew Winarski is a financial advisor with Equitable Advisors in Bala Cynwyd, PA, holding Series 63 and Series 65 licenses and having 10 years of industry experience. He has worked at Equitable Advisors since 2018 and previously held positions at AXA Advisors and TD Bank. He serves as a board member of the International Spring Festival at the Lansdale Library. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm utilizes a range of advisory programs delivered through Investment Adviser Representatives, with a focus on personalized risk assessment and client-specific investment solutions including third-party managed accounts.

Arta Vitolo is a CFP®-credentialed financial advisor at Wells Fargo Advisors with 38 years of industry experience. She has worked within various Wells Fargo entities since 2009, including Wells Fargo Clearing and Wells Fargo Advisors LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering a broad range of investment and fee-based financial planning services. The firm provides tailored recommendations using proprietary research and planning tools, covering diverse planning areas such as retirement, education, business-owner transition, and special-needs analysis.

Romana Popewiny is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and possessing 33 years of industry experience. She has worked at Cetera and its affiliated firms since 2015 and previously spent 27 years at Foresters Financial. She is also a notary. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and operates a multi-manager platform with various program options and custodial relationships.

Steven Lucas is a CFP® professional with 20 years of industry experience, currently affiliated with Edward Jones since 2006. He holds Series 63 and Series 66 licenses. Outside of his advisory role, he is involved with SL Rentals LLC, a rental property business. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

David Rivers II is a financial advisor with J.P. Morgan Securities LLC in Philadelphia, PA, holding Series 63 and Series 66 credentials and nine years of industry experience. He has previously worked at Merrill, Morgan Stanley, Bank of America, and several banking institutions. Outside of his advisory role, he has worked as a seasonal sales associate for Men's Wearhouse. 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 applying an ESG eligibility framework when recommending investment strategies.

Joseph Carr is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 28 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and was previously employed by MetLife Securities Inc. from 2015 to 2017. Carr also serves as a trustee and insurance agent outside his advisory role. Mass Mutual Investors Services operates as a subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes collaborative, annual planning engagements using firm-approved tools, with optional implementation through separate brokerage or insurance arrangements.

Kyle Mallach is a Senior Financial Advisor and Senior Portfolio Manager at Merrill Lynch Wealth Management. He has been with Merrill since 2001 and focuses on portfolio construction, comprehensive wealth management strategies, estate planning, and offers insurance services alongside lending and banking solutions through Bank of America. As a Senior Portfolio Manager, Kyle manages personalized or defined strategies on a discretionary basis and works with a diverse range of clients, including investors, business owners, executives, non-profits, and multigenerational families. Kyle holds a bachelor's degree in finance from Saint Joseph's University's Haub School of Business and also studied at the University of Queensland in Australia. He earned his high school diploma from LaSalle College High School. He holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Kyle has also served as a member of the La Salle College High School Leadership Council. Residing in the suburban Philadelphia area with his family, Kyle participates in the St. Katherine of Siena community and supports local charities such as CARIE and the Bucks County SPCA. He and his family are involved in promoting local performance arts, yoga, health, and wellness initiatives. Kyle enjoys fishing, hiking, running, traveling, and spending time with his family.

James Terranova is a financial advisor with Equitable Advisors in Bala Cynwyd, PA, holding Series 63 and Series 65 registrations and bringing 44 years of industry experience. He has been associated with Equitable Advisors for over 40 years and has prior experience with Karr Barth Financial Planning, Inc. In addition to his advisory role, he is involved as an owner and principal in several financial planning and investment-related firms. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management programs. The firm’s approach includes matching clients to advisory models or discretionary managers through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment solutions.

Sean Deming is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His prior work includes positions at Raymond James & Associates, Charles Schwab Bank, and Schwab & Co., Inc. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of investment program options, including discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Douglass Tietbohl is a financial advisor with Morgan Stanley in Newtown Square, PA, holding a Series 66 designation and 22 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2011 and 2015, respectively. Outside of his advisory role, he serves as a successor executor in an estate-related capacity. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to both individual and institutional clients, delivering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations and Secular Return Estimates in its financial planning process.

Daniel Butler is a financial advisor with Raymond James Financial who holds Series 63 and Series 65 designations and has 37 years of industry experience. He has been affiliated with Raymond James Financial Services, Inc. since 1997 and has operated Butler Financial, Ltd since 2004. Butler serves on the finance and investment committee of his church and is the author of the book *Financial Stability For Life*. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and supports institutional consulting and portfolio management across a large advisor network.

Patrick Morocco is a financial advisor with LPL Financial, holding a Series 66 credential and two years of industry experience. His prior work includes roles at Covenant Wealth Strategies and multiple positions at Liberty University. Patrick has also worked in non-financial roles, including at Cinnabon and a golf club. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced research tools and a broad non-advisory financial services network.

Thomas Roycroft is a financial advisor with Cetera who holds a Series 63 designation and has 34 years of industry experience. He has worked with Cetera and its affiliated entities since 2015 and serves as president of Roycroft Financial, an independent financial business. Cetera Investment Advisers LLC is an SEC-registered firm that delivers a range of portfolio management and financial planning services through a large network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers multiple program options and investment strategies, managing over $256 billion in assets across more than 10,000 advisors and approximately 800,000 clients.