Ryan Burke is a financial advisor with Wells Fargo Clearing in Chesterbrook, PA. He holds the CFP® designation and securities licenses Series 63, 65, and 66, with four years of industry experience. Prior to his current role, he has been associated with Wells Fargo bank since 2005. Outside of his advisory work, he has majority ownership in a media company and is involved in several real estate ventures with his spouse. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Carmine Ciccolella is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 1994. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Carmine specializes in retirement planning strategies, fixed income portfolio construction, and wealth management for affluent individuals and small business owners. His approach emphasizes preservation of capital, cash flow, and tailoring recommendations to align with each client’s income and growth objectives. Carmine holds a Bachelor of Science degree from the United States Naval Academy and a Master of Science degree from Golden Gate University. Following his graduation in 1986, he served as a Naval Officer for seven years, gaining experience in financial and logistics responsibilities. His professional focus includes family wealth management, liquidity management, tax minimization, investment planning, and estate transfer strategies. Carmine works closely with a Registered Wealth Management Client Associate to provide comprehensive financial advisory services. Residing in Hockessin, Delaware, Carmine is married with two sons. He is active in his local church and alumni association groups. Outside of work, he enjoys baseball, golfing, reading, and spending time with his family.

Brian Peers is a financial advisor at Ameriprise with 31 years of industry experience. He holds Series 63 and Series 66 designations and has been with Ameriprise and its affiliates since 2005. He is based in Gilbertsville, PA. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet certain asset thresholds. The firm’s approach includes research-driven, non-discretionary recommendation reports focused on income sources, Social Security options, and tax-smart withdrawal strategies, supported by algorithmic tools and a centralized consulting team.

Susan Helm is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. She has been with LPL Financial since 2014. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management and providing access to research, model portfolios, and various investment strategies.

Caryn Schwartzberg is a financial advisor with Vanguard Advisers, holding a Series 66 designation and five years of industry experience. She has worked at The Vanguard Group since 2021 and previously held positions at Randstad and Cirillo Cosmetic Dermatology Spa. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs.

John Kane is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 37 years of industry experience. He has been with Wells Fargo Clearing since 2016, following three years at Wells Fargo Advisors LLC. Outside of his advisory role, he serves as a trustee for his children’s investment trusts. Wells Fargo Clearing specializes in retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services based on an IPS-driven approach grounded in modern portfolio theory. The firm’s investment options include insurance-related vehicles and bank deposit sweep programs, providing a broader range of products than typical among large institutional advisers.

Sabine De Ruijter is a financial advisor at Morgan Stanley with one year of industry experience. Prior to joining Morgan Stanley, she worked for five years at Villanova University and six years at Goois Lyceum. She holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning supported by structured discovery processes and advanced modeling tools.

Richard Hartman Jr. is a financial advisor with Raymond James & Associates, holding a Series 63 designation and offering 47 years of industry experience. He has been with Raymond James since 2006. Outside of his advisory role, he has supported his family by cosigning a mortgage for his daughter’s home. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, providing financial planning, non-discretionary consulting, and municipal advisory services through a network of nationwide advisers.

Francesco Carafa is a financial advisor at Vanguard Advisers with credentials including Series 63 and Series 66. He has held various roles since 2014 at firms including PNC Investments, National Life Group, and The Barclay Group. He has also been self-employed since 2022 and has experience with multiple Vanguard affiliates. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants. The firm uses a goal-based, algorithm-driven investment approach centered on personalized asset allocations primarily constructed from Vanguard funds and ETFs, supported by a large team of advisors and a digital delivery platform.

Anthony Boxler is a Financial Consultant at Fidelity Investments, a role he has held since 2024. He has experience as a Wealth Advisor and Senior Financial Advisor at Vanguard, where he worked from 2019 to 2024. Anthony focuses on collaborating directly with clients to understand their motivations and goals, developing strategies that align financial plans with their priorities. Throughout his career, Anthony emphasizes ongoing partnerships with clients to ensure financial plans adjust to changes in their needs and circumstances. Outside of his professional work, he has interests that include hiking, music, outdoor adventures, parenthood, pets, and puzzles.

Adam Goldin is a Senior Financial Advisor with Merrill Lynch Wealth Management. He brings over 20 years of experience in the financial industry, having previously worked as a municipal bond analyst and economist. In his current role, Adam focuses on creating comprehensive, goals-based wealth management plans that address all aspects of a client’s financial life, including family, finances, health, home, work, leisure, and giving. Adam’s expertise encompasses retirement planning, portfolio management, tax minimization, college education planning, family wealth management, legacy planning, liquidity management, and small business strategies. He emphasizes the importance of helping individual savers navigate the complexities and risks of personal finance, especially given the decline of private pensions and the increasing need for informed decision-making. Adam holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned his bachelor’s degree from Binghamton University and holds master’s degrees from George Washington University and Fordham University. Outside of his professional work, Adam enjoys baseball, biking, football, hiking, ice hockey, reading, tennis, traveling, watching movies, and spending time with his family.

Cristian Surdykowski is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and three years of industry experience. Prior to joining Equitable Advisors in 2022, he worked briefly at Janney Montgomery Scott, LLC and has experience in food retail and education sectors. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, providing both advisory and brokerage channels tailored to client goals and risk tolerance.

Ian Rose is a financial advisor with Equitable Advisors in Bryn Mawr, PA, holding a Series 66 designation and 24 years of industry experience. He has been with Equitable Advisors since 2001, including time at AXA Advisors, LLC prior to its transition. Outside of his advisory role, he is involved with Surgeons Capital Management and Attorneys Capital Management. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement-plan support, and access to asset management through LPL programs and various third-party asset managers. The firm uses a hybrid referral and implementation model that incorporates client intake processes and customized advisory programs.

Ethan Wang is a CFA® charterholder and Series 63 licensee with six years of industry experience. He has worked at The Vanguard Group, Inc. in various roles since 2014 and was affiliated with the University of Pennsylvania for two years. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to construct portfolios primarily from Vanguard funds and ETFs, offering a range of customization options and managing hundreds of thousands of client relationships through its digital platform and advisory team.

Jadan Mcdermott is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and three years of industry experience. He has worked at multiple Vanguard entities since 2022 and has prior experience at various organizations including Tufts University and The Simmons Law Firm. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs. The firm serves a large client base through a digital platform and a team servicing model.

Laura Thomas is a financial advisor at Morgan Stanley with 30 years of industry experience. She has been with Morgan Stanley since 2009 and holds Series 63 and Series 65 designations. 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 and tailored financial planning services, managing approximately $2.74 trillion in client assets.

Joseph Azzara is a CFP® professional with 31 years of industry experience. He has worked at Wells Fargo Advisors since 2017 and previously worked at Ameriprise Financial Services, Inc. from 2009 to 2017. In addition to his advisory role, he owns Azzara Wealth Management, LLC, an independent financial practice. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including niche services like business-owner transition and special-needs analysis. The firm integrates advisory services with various financial products and referral channels.

Dominic Marinucci is a financial advisor with Mass Mutual Investors Services in Exton, PA. He holds a Series 66 designation and has 16 years of industry experience, including 15 years with Mass Mutual and its affiliated firms. Outside of his advisory role, he serves as a course instructor at Delaware County Community College. Mass Mutual Investors Services 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 offers comprehensive planning using firm-approved tools and educational seminars, serving a diverse client base including high-net-worth individuals.

Gregory Melara is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with Merrill since 1997. Outside of his advisory role, he serves as an advisory board member on the parish finance council at St. Andrew the Apostle Church, a charitable organization. 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 a range of clients including individuals, high-net-worth clients, and charitable organizations.

Lisa Karlin is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. She has worked with Cetera and its related entities since 2013 and also serves as an insurance agent selling life, health, disability, annuities, and long-term care insurance. Outside of her advisory role, Karlin is active in her community as committee chair for the social action committee at Congregation Ohev Shalom, where she oversees scholarships, donations, and educational programs. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, planning, and consulting services through a multi-manager platform that includes affiliated and third-party managers, with over $256 billion in assets under management across more than 10,000 advisors.