Joel Frankel is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including RBC Capital Markets, Ferris, Baker Watts, LLC, and Janney Montgomery Scott. Outside of his advisory role, he is involved in an online retail business on eBay. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes firm-approved planning tools and models as part of its structured financial planning process.

Jeromia Burger is a financial advisor with MassMutual Investors Services, holding the ChFC® and Series 66 designations and bringing 18 years of industry experience. He has worked with UFinancial, MML Investor Services, LLC, and MassMutual Life Insurance Company since 2009. Outside of his advisory role, he is involved as an insurance broker specializing in health, group life, and group disability coverage. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm utilizes detailed client data and firm-approved analytical tools to develop collaborative, goal-oriented financial plans.

Matt Rifkin is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds Series 63 and Series 66 registrations and previously worked for Global Atlantic Financial Group and Global Atlantic Distributors, LLC. Rifkin is based in Newtown Square, PA. Morgan Stanley Wealth Management serves individuals and institutional clients by providing a range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and committee-reviewed investment return estimates.

John Chessock is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and having 26 years of industry experience. He has been with Wells Fargo Advisors since 2013. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services using proprietary research and tools, with an emphasis on tailored recommendations and optional implementation through various brokerage or advisory programs.

David Vazquez is a financial advisor at Edelman Financial Engines with four years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at The Vanguard Group, Bank of America, and Merrill. Outside of finance, he works part-time as a server and bartender in the food service industry. Edelman Financial Engines provides technology-enabled investment advisory services focusing on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios, offers sub-advisory services, and serves a large client base through advisor-led and online platforms.

John Mazzola is a financial advisor with Mass Mutual Investors Services holding the ChFC® designation and Series 63 license. He has 40 years of industry experience, including previous roles at MetLife Securities Inc. and MassMutual Life Insurance Company. Mazzola serves as a board member on the audit committee for United Savings Bank and is a partner in Innovative Planners, LLC, a business management firm. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes annual, collaborative planning relationships using firm-approved analytical tools and offers event-driven planning programs such as divorce and estate settlement services.

Hugh Mergan is a Wealth Management Advisor at Merrill Lynch Wealth Management with over 25 years of experience in the financial services industry, both domestically and internationally. His practice centers on delivering wealth management strategies tailored to business owners, corporate executives, emerging entrepreneurs, nonprofit organizations, and individuals or families undergoing significant transitions such as retirement, inheritance, divorce, or the sale of a business. Hugh provides advisory services including investment management, retirement and estate planning, education funding, and insurance strategies, while coordinating with clients' tax and legal professionals to offer comprehensive support. He also assists institutions with employee retirement plans, executive compensation plans, and nonprofit investment management. Hugh holds both a Master’s and Bachelor’s degree from Johann Wolfgang Goethe University Frankfurt. He has earned several professional designations, including Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), and Certified Plan Fiduciary Advisor (CPFA). He is known for employing a consultative process that focuses on understanding each client's values and goals to provide customized recommendations that address unique needs and long-term objectives. Accessibility and proactive communication are priorities in his client relationships, as he aims to provide clients with reliable assistance and comprehensive resources. Outside of his professional role, Hugh enjoys traveling, learning about different cultures and languages, and participating in activities such as soccer, cycling, and yoga. He is also committed to community support through helping families in need. Hugh is fluent in English, German, and Persian.

Christopher Gange is a financial advisor at Vanguard Advisers with 24 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Morgan Stanley, E*Trade Securities, and PNC Investments. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Vanguard Personal Advisor services, serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach and manages a high volume of client relationships through a digital platform supported by a large advisory team.

Shaleah Ingram is a financial advisor at Primerica Advisors with Series 65 and Series 63 credentials and five years of industry experience. Her work history includes roles at Club Pilates, PFS Investments Inc., Primerica Financial Services, Excellence In Motions Associates, EB Media, and Reach Gospel Radio/Faith City. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale, using model-delivery strategies managed by unaffiliated asset managers and offers a range of investment models with support from BNY Mellon Advisors and Pershing.

Sharon Davis is a financial advisor with Vanguard Advisers in Malvern, PA, holding the Series 66 and Series 63 licenses and with 10 years of industry experience. Her work history includes roles at The Vanguard Group, Inc. since 2015, as well as prior entrepreneurial ventures including operating an Etsy store and providing notary services. Vanguard Advisers delivers automated and human-supported investment advice primarily to retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven approach to portfolio construction, utilizing Vanguard funds and ETFs, and offers a range of customizable investment solutions through a large-scale digital platform.

Ian Reitman is a financial advisor with Raymond James Financial in Wayne, PA, holding Series 65 and Series 66 licenses and having 12 years of industry experience. Since 2014, he has worked with Raymond James Financial Services Advisors Inc., Raymond James Financial Services, Inc., and Birch Run Financial LLC. He also serves as Vice President of Birch Run Financial LLC, focusing on servicing existing clients and acquiring new ones. 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, pension plans, and institutional clients. The firm uses tailored, non-discretionary planning and risk profiling tools and supports a broad network of advisors with specialized programs and consulting services.

John Pulcinella is a CFP® professional with 10 years of industry experience, currently serving as an advisor at Vanguard Advisers. He has been with The Vanguard Group, Inc. since 2016 and has also been self-employed since 2019. Outside of his financial advisory work, John is involved in acting. Vanguard Advisers provides automated and human-supported investment advice through services like Vanguard Digital Advisor and Vanguard Personal Advisor, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary models and constructs portfolios mainly from Vanguard funds and ETFs with various customization options.

Jimmy To is a financial advisor at Vanguard Advisers with eight years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Citizens Securities, TD Private Client Wealth, TD Bank, and HSBC. Vanguard Advisers delivers automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach featuring proprietary models and primarily Vanguard funds and ETFs, serving a large client base through a digital platform supported by a team of over 2,200 advisors.

Michael Logan is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 65 and Series 63 designations and having 18 years of industry experience. He previously worked at Warren Financial Service for 14 years before joining Raymond James in 2022. Outside of his advisory role, he assists clients with tax preparation and works as an associate at Brandywine Valley Financial Services, LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, corporations, and institutional entities. The firm offers tailored, non-discretionary planning and consulting using analytical tools to illustrate potential outcomes and supports advisory programs across a large advisor network.

Joseph Marcelli is a CFP® with four years of industry experience, currently serving as a financial advisor at Vanguard Advisers. Prior to joining Vanguard, he worked for six years at The Glenmede Trust Company, N.A. He is involved in fundraising for the High Fives Foundation, a nonprofit organization. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach and manages portfolios largely composed of Vanguard funds and ETFs, offering a range of customization options.

Kristy Douglas is a financial advisor at Cetera with eight years of industry experience and holds a Series 66 designation. She previously worked at Avantax Advisory Services and 1st Global Advisors before joining Cetera. Outside of her advisory role, she serves on the financial advisory committee for the Goshen Fire Company and owns a CPA firm providing tax and accounting services. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, supporting both discretionary and non-discretionary accounts across multiple program structures.

Matthew Mc Kenzie is a financial advisor at Morgan Stanley with 10 years of industry experience. He has held roles at Morgan Stanley Private Bank since 2018 and previously worked at PNC Bank NA from 2001 to 2018. Mc Kenzie holds Series 63 and Series 66 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers comprehensive financial planning and advisory programs, managing approximately $2.74 trillion in client assets.

Paul Abeln is a financial advisor with Morgan Stanley in Berwyn, PA, holding a Series 66 designation and bringing 15 years of industry experience. He has been with Morgan Stanley and its affiliates since 2011, including roles at Morgan Stanley Private Bank, N.A. Prior to that, he worked at Merrill from 2011 to 2014. Abeln is listed as having a business marketing consulting entity, though it has been inactive since 2009. Morgan Stanley Wealth Management serves a wide range of individual and institutional clients, offering advisory programs that include tailored financial planning and estate strategies. The firm uses structured planning tools and firm-approved methodologies but generally acts in an advisory capacity without providing specific security recommendations under standalone planning programs.

Michael Paternostro is a financial advisor at Vanguard Advisers with a Series 66 designation and one year of industry experience. His prior roles include positions at Prudential, LPL Enterprise, and multiple Vanguard entities. Outside of advisory work, he is a mortgage loan originator with Vanguard Lending LLC, focusing on residential loan origination. Vanguard Advisers provides automated and human-supported investment advice for retail investors and employer-sponsored retirement plans, using a goal-based, algorithm-driven approach that incorporates personalized asset allocations and tax-aware strategies. The firm manages a large number of client relationships with a digital delivery model supported by over 2,400 advisors.

Robert Hagenberg is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and bringing 29 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and previously worked at Metlife Securities Inc. from 2015 to 2017. Outside of his advisory role, he owns Creative Premier Agency LLC, which focuses on individual life, long-term care, and disability insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and investment services to individuals, business owners, trusts, estates, charitable organizations, and employers. Their approach includes collaborative annual planning utilizing firm-approved software tools, with implementation of recommendations offered through separate brokerage or insurance arrangements.