Andrew Norton is a financial advisor at OSAIC with 16 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Lincoln Financial Advisors Corporation, Citadel FCU, and CUSO Financial Services LP. Outside of his advisory role, he is involved as a selling agent at Delphi Insurance Management Group LLC, offering various insurance products including health, disability, long-term care, and life insurance. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services with a range of investment options and uses firm-supported tools for portfolio construction and management.

Charles Coyle Jr. is a financial advisor at Equitable Advisors with five years of industry experience. He holds a Series 66 designation and has worked at Equitable Advisors since 2020. Prior to his current role, his work history includes positions outside the financial sector, such as at The Churchville Inn and Sandy Run Country Club. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to a broad client base that includes individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm utilizes a variety of advisory models, often implemented through third-party asset managers and sponsored programs, and offers a range of investment products including mutual funds, ETFs, separately managed accounts, and select alternative investments.

Elise Laskas is a financial advisor at Morgan Stanley with 21 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory role, she is a partner at Big Barn Records, a media production business, and serves on the finance committee of the YWCA in West Chester, providing financial advice. Morgan Stanley Wealth Management offers a broad range of advisory programs to both individual and institutional clients, emphasizing structured financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services that include tailored financial planning and estate strategies.

David Hubbs is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 66 licenses and has held roles at firms including Citizens Bank, Lockwood Advisors, Merrill, and New York Life Insurance Company prior to joining J.P. Morgan in 2019. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm offers non-discretionary services delivered by select Wealth Advisors and maintains a range of registrations that enable access to diverse product types.

Peter Zonino is a financial advisor with Mass Mutual Investors Services in Newtown Square, PA. He holds a Series 63 designation and has 40 years of industry experience. His prior work includes roles at Metlife Securities Inc., New England Securities, and The Travelers. He also works as an agent specializing in individual and group life and health insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative, goal-based financial planning supported by firm-approved tools and offers various event-driven and educational programs.

Nathan Leo is a financial advisor with LPL Enterprise based in Newark, DE, holding a Series 66 credential and five years of industry experience. Prior to joining LPL Enterprise in 2024, he worked with The Prudential Insurance Company of America and Pruco Securities LLC. Outside of advising, he is an active member of the IATSE Local 52 union. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and charitable entities through a network of investment adviser representatives. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and affiliated insurance and trust services.

David Forman is a financial advisor with Morgan Stanley in Greenville, DE, holding Series 63 and Series 65 licenses and with 29 years of industry experience. He has been with Morgan Stanley since 2013 in various roles. Outside of his advisory work, he is a partner at Forman and Berkowitz LLC, a real estate-related business based in Baltimore. Morgan Stanley Wealth Management offers a wide range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured discovery conversations and firm-approved planning tools but generally acts in an advisory capacity without providing individual security recommendations in standalone planning.

Kevin Connelly is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Lincoln Financial Distributors. 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 advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Michael Rifkin is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and integrates structured planning tools such as Monte Carlo simulations and the Global Investment Committee’s Secular Return Estimates in its process.

Annelise Chayka is a financial advisor with LPL Financial, holding a Series 66 designation and 14 years of industry experience. Her prior roles include positions at Lincoln Financial Advisors and Capital One advisors. She also serves as an executor for an estate in a fiduciary capacity. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by technology tools and a wide network of over 22,800 advisors.

Vincent Gulotti III is a financial advisor with Wells Fargo Advisors, holding Series 63, 65, and 66 licenses and 19 years of industry experience. He joined Wells Fargo Advisors Financial Network LLC in 2020, following roles at Chatham Bay Group and Grace Inspired Ministries. Gulotti is also involved in investment-related business activities through partial ownership in multiple investment advisory firms in Wilmington, DE. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services using proprietary research and tools, with optional implementation through brokerage or advisory programs.

Gilbert Scarborough IV is a financial advisor with Wells Fargo Clearing in Wilmington, DE, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. His prior experience includes nine years at J.P. Morgan Chase Bank and over a decade managing his own investment entities. He also serves as a trustee on a family trust account. 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 process is IPS-driven and incorporates modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Jennifer Sheppard is a financial advisor with Merrill in Wilmington, DE, holding Series 63 and Series 65 licenses and 23 years of industry experience. She has worked at Merrill since 2012 and Bank of America, N.A. since 2016. Outside of her advisory role, she provides bookkeeping support for a family-owned trucking company. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Jennifer Giles is a CFA® charterholder with 13 years of industry experience, currently serving as a financial advisor at RBC Capital Markets since 2021. Her prior work history includes roles at Hays Talent Solutions and time spent in homemaking. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base that includes individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs with discretionary and non-discretionary portfolio management, tailoring strategies to clients’ risk profiles and utilizing both in-house and third-party investment managers.

Carl Meister III is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 licenses and 32 years of industry experience. Prior to joining Ameriprise, he worked at Morgan Stanley and Citigroup Global Markets. Outside of his advisory role, he co-owns a horse farm and serves as secretary on the board of the Pennsylvania Hunt Cup Committee, as well as working as a steeplechase race announcer. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service that provides written recommendations and ongoing advice focused on dependable income and tax-aware withdrawal strategies.

Scott Chapin is a financial advisor with OSAIC, holding a Series 66 designation and 24 years of industry experience. He previously worked at Woodbury Financial Services Inc. for 10 years before joining OSAIC in 2024. Chapin is also the owner of The Chapin Group, a sole proprietorship involved occasionally in insurance needs for clients. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing a range of tools and third-party solutions to construct diversified portfolios tailored to client needs.

Alexander Stewart is a financial advisor with Mass Mutual Investors Services in Newtown Square, PA, holding Series 63 and Series 65 licenses and having seven years of industry experience. He has worked at Mass Mutual and Mass Mutual Life Insurance Company since 2019 and previously was associated with Saint Joseph's University and Familetti Contractors. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using firm-approved tools to develop written recommendations tailored to clients' goals.

Jared Schwarz is a CFP® with 21 years of industry experience currently serving at OSAIC since 2024. He previously worked at Financial Group of Philadelphia and Woodbury Financial Services, Inc, where he was employed for over a decade. Outside of his advisory work, he holds an independent contractor position selling traditional life and disability income insurance products. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and advisory services, including financial planning, retirement plan consulting, and access to third-party money managers. The firm employs asset-allocation tools and risk-tolerance assessments to construct diversified portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Kevin Leszczynski is a financial advisor at Cetera with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera and its affiliated entities since 2013. He is also a fixed insurance agent and operates Sanderling Financial Group, a financial services firm established in 1998. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors, using both affiliated and third-party managers across various program structures.

Cameron Flowers is a financial advisor at Vanguard Advisers with Series 63 and Series 66 designations and four years of industry experience. He has held roles at various Vanguard entities since 2022 and previously worked in marketing and technology sectors including Semrush and SAP. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and employer-sponsored retirement plan participants. The firm uses a goal-based, algorithm-driven approach with portfolios mainly composed of Vanguard funds and ETFs, emphasizing customization options and tax-aware strategies.