William Krempa is a CFP® professional with 36 years of industry experience. He is currently affiliated with Cambridge Investment Research Advisors and previously worked at Ic Advisory Services, Inc. and The Investment Center, Inc. Outside of his advisory role, he is involved in a family-operated racing business. Cambridge Investment Research Advisors serves a diverse client base, including individuals, retirement plans, trusts, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a range of portfolio management strategies and custody arrangements.

Dana Brown is a financial advisor at Merrill with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Merrill since 2013. Outside of his advisory role, he is the sole owner of a rental property and serves as an executor for an estate. 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 serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Marcita Reese is a financial advisor at Merrill with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including J.P. Morgan Securities, Wells Fargo, Ameriprise, and Santander. In addition to her advisory role, she is the general partner and managing member of M.Bookkeeping LLC, which provides bookkeeping services to close friends and family businesses. Merrill, together with its affiliate Managed Account Advisors LLC, delivers 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 institutional accounts.

Christopher Hensley is a financial advisor at Merrill with 18 years of industry experience. He holds Series 66 and Series 63 licenses and has been with Merrill since 2002. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Akash Patel is a financial advisor at Wells Fargo Clearing with eight years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo Clearing and Wells Fargo Bank NA since 2014. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach 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.

David Peters is a financial advisor with Ameriprise, holding a Series 63 designation and 29 years of industry experience. He has worked with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is involved with the Mercer County Republican Party committee, which helps select Republican candidates for local and state offices. Ameriprise provides retirement-income planning services tailored to individuals approaching or in retirement who meet specific asset thresholds. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary, personalized recommendation reports, primarily focusing on assets held within Ameriprise-managed accounts.

Josephine Aynat Molina is a financial advisor with Primerica Advisors in Perkasie, PA, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. She has been with Primerica Advisors since 1989 and Primerica Financial Services since 1988. In addition to her advisory role, she is a notary and engages in part-time referrals for home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited number of separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure while overseeing portfolio management and trading through established custodians.

Casey Urkuski is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Prior to joining Merrill, Casey worked at Jefferson for seven years. He serves as a board member for Perkiomen Valley Youth Wrestling, where he helps organize home meets and assists with tournament registration. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Zachary Padersky is a financial advisor at Equitable Advisors with five years of industry experience and holds the Series 66 designation. His prior work includes roles at Danville Sales, Inc and Perlow Productions, LLC, as well as time spent at The College of New Jersey and South Jersey Elite Baseball. Equitable Advisors serves a diverse client base including individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, utilizing a range of program sponsors and third-party managers to deliver advisory and brokerage solutions.

Eric Pirog is a financial advisor at Merrill with 21 years of industry experience. He holds a Series 66 designation and has been with Merrill since 2006. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Richard Williams is a Senior Financial Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Richard earned a Bachelor's Degree from St. Francis University. His role involves providing financial advisory services within the wealth management sector.

Jon Rosenwald is a financial advisor at Merrill with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 2006 and Bank of America since 2009. 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 to individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

Isaac Smith Walker is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior work history includes roles at Bank of America, Hand & Stone Massage and Facial Spa, and service in the United States Air Force. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm employs a combination of model-based and discretionary strategies developed by internal and third-party managers, with portfolio implementation that includes strategic asset allocation and tax-aware options.

James Potoka is a CFP®-credentialed financial advisor with 44 years of industry experience. He is currently affiliated with OSAIC and previously spent 25 years with FSC Securities Corporation. Potoka is also an independent insurance agent offering long-term care, life, disability, and health insurance products through his sole proprietorship. OSAIC serves a diverse client base including individual, high-net-worth, pension, and corporate investors, providing integrated brokerage and advisory services through a large network of affiliated advisors. The firm employs asset-allocation tools, risk-tolerance assessments, and offers access to various investment vehicles and third-party managed accounts.

Michael Mattia is a CFP® with eight years of industry experience, currently serving at LPL Enterprise since 2024. His prior work includes roles at The Prudential Insurance Company of America, Pruco Securities LLC, Bank of America, and Merrill. He is also the owner of Priceless Painting LLC, a construction and investment business. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels, offering financial planning, model portfolio access, third-party asset management, and a range of financial products. The firm combines adviser programs with active sales of other financial products, including insurance, and utilizes co-investment and referral relationships with third-party sponsors and trust custodians.

Justin De Luca is a financial advisor with LPL Financial in Ambler, PA, holding a Series 66 designation and 19 years of industry experience. He previously worked at Lincoln Investment for nine years before joining LPL Financial in 2025. Outside of his advisory work, he is involved in a musical group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including model portfolios and research from LPL Research and third-party subadvisors.

Alf Markussen is a financial advisor at LPL Enterprise with three years of industry experience. He holds the Series 66 designation and has worked previously at firms including The Prudential Insurance Company of America, Bank of America, and Merrill. Outside of his advisory role, Markussen operates an eBay store and owns Markussen Associates, a business entity for tax and investment purposes. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset managers through an integrated platform that combines advisory programs with brokerage and insurance products.

Leigh Mayer is a financial advisor at Merrill with 21 years of industry experience. He holds the Series 66 designation and has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2001. 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 and profit-sharing plans, corporations, and charitable organizations.

Jagruti Panwala is a financial advisor at OSAIC with 27 years of industry experience. She holds Series 63 and Series 65 credentials and has previously worked at Royal Alliance Associates, Inc. and Signator Investors, Inc. She serves as an executive member of the American Hotel and Lodging Association Board of Directors and participates as a panel speaker for the nonprofit Castell College. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers and advisory platforms. The firm offers integrated brokerage and investment advisory services across diverse asset classes, utilizing asset-allocation tools and third-party money managers to construct portfolios on both discretionary and non-discretionary bases.

Patrick Foley is a CFP® with over 31 years of industry experience and has been with Robert W. Baird & Co. since 2009. He serves as a board member and on the investment committee for Mt. Saint Joseph Academy. Foley is also a partner in the self-published book "Winning at Retirement," where he manages the website and digital advertising. He is part of the DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which advises individuals, families, pensions, corporations, and institutional clients. The group offers tailored financial planning and portfolio management services, utilizing a range of investment strategies and both in-house and third-party managers.