Charles Cutshall is a financial advisor with Merrill in Wayne, PA, holding Series 63 and Series 65 licenses and 29 years of industry experience. He has been with Merrill since 1997 and Bank of America since 2011. Outside of his advisory work, Cutshall serves as vice president of Love Kidder Township, a social welfare organization focused on environmental wellbeing, and owns a fly fishing guide business where he provides instruction. Merrill, in partnership with Managed Account Advisors LLC, delivers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering both model-based and discretionary investment strategies for a range of individual and institutional clients.

Michael Antoni is a financial advisor at Raymond James & Associates with eight years of industry experience. He holds a Series 66 designation and has previously worked at Gagliardi Insurance Services. Outside of his advisory role, Antoni serves as an assistant hockey coach at Drexel University and acts as a co-trustee of a charitable trust. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering non-discretionary financial planning and consulting tailored through risk profiling and software-driven analyses.

Pari Magura is a financial advisor at RBC Capital Markets with 17 years of industry experience. She holds a Series 66 designation and previously worked at Wells Fargo Clearing and Morgan Stanley. Outside of advising, Magura serves as an investment committee chair for the Samuel S. Fels Fund, is a board member of The Philadelphia Foundation, and volunteers as a Girl Scouts troop leader. RBC Wealth Management serves a diverse client base including individuals, institutions, pension plans, corporations, and charitable organizations. The firm offers tailored portfolio management and financial planning services through various wrap fee advisory programs, utilizing both in-house and third-party investment managers.

Andrew Lainoff is a financial advisor at Vanguard Advisers with a Series 66 designation and one year of industry experience. His prior work includes roles at WealthFD, LLC, Kupiec Investment Group LLC, Target Corporation, and Temple University. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to construct portfolios primarily from Vanguard funds and ETFs, offering a range of customization options and managing a large client base through both digital and team-servicing models.

Roberto Calderon is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management. In his role, he serves successful professionals, business owners, and families by helping them navigate financial complexities and make informed wealth management decisions. His approach focuses on enhancing the efficiency of clients' financial lives by identifying opportunities, preventing costly errors, and organizing the various components of their financial landscape. Roberto's expertise covers areas including college education planning, executive and equity compensation services, family wealth management strategies, personal retirement planning, portfolio management, small business strategies, special needs planning, tax minimization, and retirement income. He holds the Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA) designations and earned a bachelor's degree from Florida International University. Roberto is fluent in English and Spanish. Outside of his professional duties, Roberto enjoys engaging in sports such as tennis, padel, golf, and volleyball, and spends time experimenting with new recipes in the kitchen. He is also involved with The Ability Experience community organization.

Susan Walla is a CFP® with 30 years of experience, currently serving as a financial advisor at Cetera. She has an extensive background with Avantax Advisory Services and Avantax Investment Services spanning over two decades before joining Cetera. Outside of her advisory work, she serves as treasurer and comptroller of Chalfont United Methodist Church, managing its financial activities. Cetera Investment Advisers LLC is a large, SEC-registered firm that offers portfolio management, financial planning, and consulting services through a nationwide network of independent advisors. The firm serves a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts, providing a range of program options and access to multiple third-party money managers.

Ryan Burke is a financial advisor with Wells Fargo Clearing in Chesterbrook, PA. He holds the CFP® designation and securities licenses Series 63, 65, and 66, with four years of industry experience. Prior to his current role, he has been associated with Wells Fargo bank since 2005. Outside of his advisory work, he has majority ownership in a media company and is involved in several real estate ventures with his spouse. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Carmine Ciccolella is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 1994. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Carmine specializes in retirement planning strategies, fixed income portfolio construction, and wealth management for affluent individuals and small business owners. His approach emphasizes preservation of capital, cash flow, and tailoring recommendations to align with each client’s income and growth objectives. Carmine holds a Bachelor of Science degree from the United States Naval Academy and a Master of Science degree from Golden Gate University. Following his graduation in 1986, he served as a Naval Officer for seven years, gaining experience in financial and logistics responsibilities. His professional focus includes family wealth management, liquidity management, tax minimization, investment planning, and estate transfer strategies. Carmine works closely with a Registered Wealth Management Client Associate to provide comprehensive financial advisory services. Residing in Hockessin, Delaware, Carmine is married with two sons. He is active in his local church and alumni association groups. Outside of work, he enjoys baseball, golfing, reading, and spending time with his family.

Brian Peers is a financial advisor at Ameriprise with 31 years of industry experience. He holds Series 63 and Series 66 designations and has been with Ameriprise and its affiliates since 2005. He is based in Gilbertsville, PA. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet certain asset thresholds. The firm’s approach includes research-driven, non-discretionary recommendation reports focused on income sources, Social Security options, and tax-smart withdrawal strategies, supported by algorithmic tools and a centralized consulting team.

Susan Helm is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. Her prior roles include positions at Morgan Stanley, Citigroup Global Markets, and Wells Fargo Clearing. She has been with LPL Financial since 2014. 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 offers a broad range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Caryn Schwartzberg is a financial advisor with Vanguard Advisers, holding a Series 66 designation and five years of industry experience. She has worked at The Vanguard Group since 2021 and previously held positions at Randstad and Cirillo Cosmetic Dermatology Spa. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs.

John Kane is a financial advisor with Wells Fargo Clearing in Conshohocken, PA, holding a Series 63 designation and bringing 38 years of industry experience. He has been with Wells Fargo Clearing since 2016. Kane also serves as trustee for his children's trusts. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm utilizes research and analytics to support diversified investment strategies and offers a broad range of brokerage and advisory solutions.

Sabine De Ruijter is a financial advisor at Morgan Stanley with one year of industry experience. Prior to joining Morgan Stanley, she worked for five years at Villanova University and six years at Goois Lyceum. She holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning supported by structured discovery processes and advanced modeling tools.

Richard Hartman Jr. is a financial advisor with Raymond James & Associates, holding a Series 63 designation and offering 47 years of industry experience. He has been with Raymond James since 2006. Outside of his advisory role, he has supported his family by cosigning a mortgage for his daughter’s home. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, providing financial planning, non-discretionary consulting, and municipal advisory services through a network of nationwide advisers.

Francesco Carafa is a financial advisor at Vanguard Advisers with credentials including Series 63 and Series 66. He has held various roles since 2014 at firms including PNC Investments, National Life Group, and The Barclay Group. He has also been self-employed since 2022 and has experience with multiple Vanguard affiliates. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants. The firm uses a goal-based, algorithm-driven investment approach centered on personalized asset allocations primarily constructed from Vanguard funds and ETFs, supported by a large team of advisors and a digital delivery platform.

Anthony Boxler is a Financial Consultant at Fidelity Investments, a role he has held since 2024. He has experience as a Wealth Advisor and Senior Financial Advisor at Vanguard, where he worked from 2019 to 2024. Anthony focuses on collaborating directly with clients to understand their motivations and goals, developing strategies that align financial plans with their priorities. Throughout his career, Anthony emphasizes ongoing partnerships with clients to ensure financial plans adjust to changes in their needs and circumstances. Outside of his professional work, he has interests that include hiking, music, outdoor adventures, parenthood, pets, and puzzles.

Adam Goldin is a Senior Financial Advisor with Merrill Lynch Wealth Management. He brings over 20 years of experience in the financial industry, having previously worked as a municipal bond analyst and economist. In his current role, Adam focuses on creating comprehensive, goals-based wealth management plans that address all aspects of a client’s financial life, including family, finances, health, home, work, leisure, and giving. Adam’s expertise encompasses retirement planning, portfolio management, tax minimization, college education planning, family wealth management, legacy planning, liquidity management, and small business strategies. He emphasizes the importance of helping individual savers navigate the complexities and risks of personal finance, especially given the decline of private pensions and the increasing need for informed decision-making. Adam holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned his bachelor’s degree from Binghamton University and holds master’s degrees from George Washington University and Fordham University. Outside of his professional work, Adam enjoys baseball, biking, football, hiking, ice hockey, reading, tennis, traveling, watching movies, and spending time with his family.

Cristian Surdykowski is a financial advisor at Equitable Advisors with three years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Janney Montgomery Scott, LLC. Outside of his advisory role, he has been involved with financial sales activities connected to an outside business website. Equitable Advisors serves individuals ranging from non-high-net-worth to high-net-worth clients, as well as pension plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party advisory models.

Ian Rose is a financial advisor with Equitable Advisors, holding a Series 66 designation and 25 years of industry experience. He has worked at Equitable Advisors and its predecessor, AXA Advisors, LLC, since 2001. Outside of his advisory role, he is involved with Surgeons Capital Management and Attorneys Capital Management. Equitable Advisors serves a broad range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment strategies.

David Bloom is the Senior Vice President and Resident Director of the Media, Pennsylvania office of Merrill Lynch Wealth Management. With over 27 years of experience in financial advising, he leads The Bloom Vermeil Wealth Management Group, focusing on providing clients with comprehensive wealth management services tailored to simplify and manage the complexities of their financial lives. His clients include a diverse group of professionals and retirees. David's expertise encompasses retirement planning, tax-smart investment management, wealth transfer planning, and supporting families with estate, long-term care, and Medicaid planning decisions. Holding the CERTIFIED FINANCIAL PLANNER® certification since 2000, and having practiced law previously, he collaborates closely with clients' accountants and attorneys to support their financial goals. Prior to joining Merrill Lynch in 2019, David worked with The Vanguard Group, U.S. Trust Company of New York, and J.P. Morgan Private Bank. He earned a Bachelor's degree with honors from Villanova University and a Juris Doctorate from Widener University Delaware Law School. Residing in Swarthmore, Pennsylvania, with his wife and two sons, David enjoys outdoor activities such as chess, fishing, golfing, reading, running, and skiing. He is also actively involved in his community, having served on boards including the Children's Literacy Initiative, Benchmark School, Delaware County Estate Planning Council, and Swarthmore Swim Club.