Tracy Caruso is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. She previously worked at Morgan Stanley Smith Barney for nine years and Deutsche Bank Securities for three years. Caruso is based in Philadelphia, PA, and is an employee of both JPMorgan Securities and JPMorgan Bank, enabling her to offer certain banking products alongside investment services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research with forward-looking capital market assumptions to develop model asset allocations.

John Gallagher is a financial advisor at LPL Financial with 46 years of industry experience. He holds the Series 63 designation and has worked at LPL Financial since 2020. Prior to this, he held roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney from 2009 to 2020. Outside of his advisory work, he has involvement with Costa Ventures LLC, a home-based business entity for tax and investment purposes. 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 a wide range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by technology tools and a large network of advisors.

Jacob Heyser is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2022. He joined Fidelity in 2020 as an Investment Consultant before advancing to his current position. Prior to Fidelity, Jacob worked as a Private Wealth Advisor at Lincoln Financial from 2017 to 2020. In his role, Jacob partners with clients to understand their immediate and long-term financial goals and helps build tailored financial plans. He focuses on identifying strategies that improve clients' overall financial situations through trust, reliability, and dedication. Outside of his professional responsibilities, Jacob has interests in baseball, beach activities, football, soccer, and yoga.

Kyle Garstkiewicz is a financial advisor with Fidelity in Philadelphia, holding a Series 66 designation and one year of industry experience. His previous roles include positions at Affinity Wealth Management, Equitable Advisors, and Northwestern Mutual. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across a broad investable universe.

Michael De Persia is a financial advisor at LPL Financial with one year of industry experience. He holds the Series 66 designation and has previously worked in basketball coaching and operations roles, including as Director of Basketball Operations and Basketball Coach. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a broad range of advisory and brokerage services through a large network of investment adviser representatives, offering various investment strategies and operational tools.

James Wilson is a financial advisor at Cetera with 18 years of industry experience and holds a Series 66 designation. He has worked at firms including Avantax Advisory Services and 1ST Global Advisors. Outside of advising, he is a partner in MacAlpine Carll & Co LLC, a CPA firm that oversees tax, auditing, and accounting functions. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and a multi-manager platform.

Douglas Roskos is a CFP®-certified financial advisor with 24 years of industry experience. He is currently with Raymond James Financial Services Advisors, Inc., having joined in 2023 after prior roles at Bank of America, N.A. and Merrill. Outside of his advisory work, he is a partner in Uncle Dave's Homemade Ice Cream LLC. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individual and institutional clients. The firm provides tailored, non-discretionary planning and consulting using risk profiling and modeling tools, and supports its municipal advisory work through a unique affiliation uncommon among large institutional advisors.

Todd Panto is a financial advisor with LPL Financial, holding a Series 66 license and 15 years of industry experience. He previously worked at Bank of America and Merrill from 2011 to 2022. Outside of his advisory role, he is involved with Medicare Coach LLC, a business related to non-variable insurance. 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 wide range of advisory and brokerage services, including financial planning and model portfolio programs, and supports its advisors with research tools and multiple investment strategies.

Nick Meyers is a CFP® with 42 years of industry experience. He has been with LPL Financial since 2024 and previously spent 26 years at Lincoln Financial Advisors Corporation. 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 financial planning and investment solutions, including advisory and brokerage services supported by LPL Research model portfolios, third-party subadvisors, and technology tools for operational and research support.

Kevin Gianfortune is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 18 years of industry experience. His prior roles include positions at Lincoln Financial Advisors Corporation and Hornor Townsend And Kent, Inc. Outside of his advisory duties, he is involved in several insurance-related business activities, including non-variable insurance sales and financial planning entities. 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 operational tools and oversight of substantial discretionary assets.

Joel Reitzes is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds the Series 66 designation and previously worked at UBS for seven years before joining Morgan Stanley in 2021. 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, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Christy Bravo is a financial advisor with Morgan Stanley in Philadelphia, holding a Series 66 designation and 20 years of industry experience. Her career includes roles at Morgan Stanley Smith Barney, Citigroup Global Markets, and Gunnallen Financial, Inc. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning and advisory programs that incorporate firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides a broad range of investment and planning services.

Gregory Gambale is a financial advisor at Charles Schwab with 20 years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes 18 years with The Vanguard Group, Inc. and related entities. 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 a large client base with an integrated structure offering both non-discretionary and discretionary investment solutions, supported by centralized custody and operational capabilities.

Chris Rilling is the Vice President and Executive Planning Consultant at Fidelity Investments. He has been with Fidelity since 2000, progressing through roles including Financial Representative, Financial Consultant, and now Executive Planning Consultant since 2017. With over two decades of experience in financial services, Chris focuses on helping clients make informed decisions by identifying risks and opportunities within their overall financial plans. His work aims to ensure that clients and their families can enjoy their preferred lifestyles with confidence. Prior to joining Fidelity Investments, Chris worked as a Financial Representative at American Express in 2000.

Brian Lorenz is a financial advisor with Equitable Advisors, holding the Series 66 designation and possessing two years of industry experience. Prior to joining Equitable Advisors, he worked at Center Stage Antiques and has been involved with the Medford Soccer Club as a coach since 2021. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management programs to a diverse client base, including individuals, corporations, and charitable organizations. The firm works with various third-party asset managers and offers a range of advisory models implemented through these partnerships.

David Kay is a financial advisor with Wells Fargo Clearing in Philadelphia, PA, holding a Series 66 designation and 19 years of industry experience. He previously worked at Bank of America, N.A. and Merrill Lynch, Pierce, Fenner & Smith Incorporated. Outside of his advisory role, he serves as a power of attorney for a family member. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with an advisory process tailored to plan objectives, demographics, and risk tolerances.

George Di Biase is a Financial Advisor at Merrill Lynch Wealth Management. He works one-on-one with clients to define their financial goals and develop portfolio strategies designed to achieve them. George provides ongoing advice and adapts clients' portfolios as their situations change. He holds the CERTIFIED FINANCIAL PLANNER (CFP) designation and Personal Investment Advisor (PIA) credential. George earned a Bachelor's Degree and a Master of Business Administration (MBA), both from Fairleigh Dickinson University. Outside of his professional role, George enjoys a variety of activities including baseball, boating, football, hiking, hunting, pickleball, running, wood working, and yoga. He values spending time with his family and engaging in his community.

Aidan Fegley is a financial advisor at LPL Financial with a Series 66 designation and one year of industry experience. His prior roles include positions at UBS Financial Services, Inc. and Fidelity Investments. 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 provides a wide range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms.

Jane Robinson is a financial advisor at UBS Financial Services with 42 years of industry experience. She has held her current position at UBS since 2007 and holds Series 63 and Series 65 licenses. UBS Financial Services Inc. serves individual, corporate, and institutional clients by providing brokerage and investment advisory services, including financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and supports its advisors with proprietary research and model-based asset allocations.

Robert Marasa is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and Jpmorgan Chase Bank, N.A. since 2025, following prior roles at The Prudential Insurance Co. of America and Wells Fargo. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative due diligence to build model asset allocations, utilizing an ESG eligibility framework and broader derivatives and commodities capabilities.