Patricia Mcnamara is a CFP® professional with 42 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services grounded in modern portfolio theory and tailored to client plan objectives and risk tolerances. The firm is notable for including insurance-related vehicles and bank deposit sweep options among its investment offerings.

Michael St. Amour is a financial advisor at OSAIC with 30 years of industry experience. He holds Series 63 and Series 65 designations and has worked at OSAIC since 2007. He is also the owner and president of Capital Benefit Consultants Inc., a firm focused on investment and employee benefits. OSAIC Wealth, Inc. serves a diverse range of clients including individual investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing various tools and third-party solutions to construct and manage portfolios across multiple asset classes.

Gabriel Garner is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 licenses and two years of industry experience. He previously worked at Cetera Investment Services, Citadel Credit Union, and Equitable Advisors. 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 offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and other sources.

Adam Lambert is a financial advisor at UBS Financial Services in Philadelphia, PA, holding a Series 66 designation with 16 years of industry experience. He previously worked at Goldman, Sachs & Co. for 11 years before joining UBS in 2021. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining institutional trading capabilities with wealth management services to deliver tailored financial plans based on proprietary research and model-based asset allocations.

Amber Almeida is a financial advisor at Ameriprise with 18 years of industry experience. She holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2008. Almeida is based in Mullica Hill, NJ. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver written, non-discretionary recommendation reports, supporting clients through a centralized consulting team and an algorithm-assisted process.

Najd Hanna is a financial advisor at Edward Jones in Philadelphia, PA, holding a Series 66 designation with 18 years of industry experience. Hanna has been with Edward Jones since 2017. 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 under management and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

John Rafter is a financial advisor with Cetera, holding a Series 66 designation and 12 years of industry experience. He has been a partner at Rafter, Lewis & Paolino Financial Advisors since 2022 and operates Rafter Lewis Financial Advisors LLC. Outside of his advisory work, he co-owns an accounting and CPA practice that assists with tax and accounting matters and serves on the board of First National Bank of Elmer. Cetera Investment Advisers LLC is an SEC-registered adviser that provides a broad range of portfolio management and financial planning services to individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers multiple program structures and investment options, including model portfolios, third-party managers, and bespoke strategies, managing assets across discretionary and non-discretionary accounts.

Steven Haines is a financial advisor with Wells Fargo Clearing in Philadelphia, PA, holding Series 63 and Series 66 credentials and bringing 20 years of industry experience. He worked at PNC Investments for 18 years before joining Wells Fargo in 2026. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, utilizing research and analytics to support its investment approach.

Nicholas Johnson is a financial advisor with LPL Financial holding a Series 66 designation and less than one year of industry experience. His prior work includes roles outside the financial sector, such as positions at the Deauville Inn and Italian Affair Restaurant. 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 and model portfolio programs, supported by a network of over 22,800 investment adviser representatives.

Delores Nuamah is a Wealth Management Planning Consultant at Fidelity Investments, where she collaborates with Wealth Management Advisors to deliver service and support in a team-based environment. In her role, she assists clients in preparing for in-depth guidance discussions focused on their long-term objectives of growing, protecting, and transferring wealth. Her professional experience spans over two decades in the financial services industry. Prior to her current position, she served as a Planning Consultant at Fidelity Investments from 2020 to 2024. She has held various roles including Financial Planning Director at Mass Mutual - NJNYC from 2017 to 2020, Financial Planning Specialist at Mass Mutual TriState from 2012 to 2017, and Financial Planning Case Consultant at MetLife from 2007 to 2012. Earlier in her career, she worked as a Financial Advisor at Financial Resources Credit Union and UBS, as an Internal Annuity Wholesaler at Traveler's Life & Annuity - Citigroup, and as a Retirement and Wealth Management Specialist at Merrill Lynch. The information provided does not include details on her education, credentials, personal interests, or community involvement.

Vito Mastromonaco is a financial advisor at Charles Schwab with a Series 66 credential and one year of industry experience. His prior roles include positions at Prudential, Wealth Enhancement Group, and several other financial firms. He is based in Philadelphia, PA. Charles Schwab & Co., Inc. serves primarily 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized supervisory and operational infrastructure.

Frank Myers is a financial advisor at Edward Jones in Mantua, NJ, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, he worked at Morgan Lewis & Bockius LLP and held various roles in the hospitality industry, including positions at Chicks Restaurant and Windrift Hotel and Restaurant. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large nationwide network of financial advisors and branch offices.

Benjamin Melone is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a range of investment advisory services, financial planning, and retirement plan consulting, using research and analytics grounded in diversification principles and modern portfolio theory.

Branden Doherty is a financial advisor at Equitable Advisors with one year of industry experience. He holds the Series 66 designation and has previously worked at MassMutual Life Insurance Co, Thrivent Investment Management, and has held roles outside finance including at LifeTime Fitness and Northampton Country Club. He also has experience working in education and retail sectors. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives. The firm utilizes a variety of advisory models and third-party asset managers, offering access to mutual funds, ETFs, separately managed accounts, and select alternative investments.

Sharon Hobaugh is a financial advisor with LPL Financial, holding a Series 66 license and 21 years of industry experience. Her career includes roles at M&T Securities, Wilmington Brokerage Services Company, and Ameriprise before joining LPL Financial in 2021. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a wide range of investment strategies implemented by its network of advisors.

Stephanie Cohan is a financial advisor at UBS Financial Services with 26 years of industry experience. She has been with UBS since 2005 and holds Series 63 and Series 65 designations. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and employs proprietary research and model-based asset allocations to tailor client strategies.

Nicholas Santoro is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been providing financial advisory services since 2014. He specializes in creating tailored wealth management strategies that align with clients' individual goals and family wealth. His areas of focus include education planning, investment consulting for defined contribution plans, legacy planning, personal retirement planning, special needs planning strategies, tax minimization, and retirement income. Nick holds a Bachelor's of Science degree in finance from Albright College. He is a Chartered Financial Consultant (ChFC), a Certified Financial Planner (CFP), and a Personal Investment Advisor (PIA). He emphasizes personalized financial strategies based on clients' unique goals and visions for life after retirement rather than relying solely on age-based models. Nicholas lives in Columbus, New Jersey with his family. Outside of his professional work, he enjoys playing the guitar and spending time with his family.

Michael Billiris is a financial advisor at RBC Capital Markets with 11 years of industry experience. He holds the Series 63, Series 65, and Series 66 designations. His prior roles include positions at SEI Investments Management Corp., JOHCM Funds Distributors, Foreside Financial Services, JOHCM (USA) Inc., and Wells Fargo Private Bank. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individuals, institutions, pension plans, corporations, and charities. The firm offers a range of advisory programs combining discretionary and non-discretionary portfolio management with financial planning, utilizing both in-house and third-party investment managers.

Albert Tedesco is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. He also serves as a power of attorney for a parent. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies developed by internal and third-party teams, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Nicolo Sollena is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 credentials and bringing 23 years of industry experience. He has worked at Raymond James Financial since 2009 and previously at RMN Properties and Fulton Financial Advisors. Outside of his advisory role, he is involved in investment sales and service with Fulton Financial Advisors. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and supports municipal and public-finance activities, alongside specialized advisory programs such as SIMPLE IRA Employer Advisory & Consulting Services.