Frances Gardner is a CFP® with 35 years of industry experience, currently serving as an advisor at OSAIC since 2026. She previously worked with Kestra Advisory and Kestra Investment Services for seven years and spent two decades at Hornor Townsend & Kent. Gardner is also involved with Gardner Wallace Financial Solutions LLC, where she provides insurance sales and services. OSAIC Wealth serves a diverse range of clients, including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services through a multi-advisor platform with a model-based investment approach emphasizing asset allocation, portfolio optimization, and risk management.

Patrick Wallace is a financial advisor at Osaic with 19 years of industry experience. He holds the ChFC® and Series 63 designations and has worked with Kestra Advisory, Kestra Investment Services, Penn Mutual Life Insurance, and Hornor Townsend and Kent. Outside of his primary roles, he teaches financial planning classes for corporations and municipalities. Osaic Wealth serves a broad range of retail and institutional clients through a multi-advisor platform offering both brokerage and advisory services. The firm utilizes model-based asset allocation and portfolio optimization tools and provides a variety of programs including unified managed accounts and retirement plan consulting.

Andrew Gardner is a CFP® professional with 17 years of industry experience, currently serving as an advisor at OSAIC Wealth since 2026. Prior to joining OSAIC, he worked at Kestra Advisory and Kestra Investment Services from 2019 to 2026 and has held roles at Penn Mutual Life Insurance Company and Hornor Townsend & Kent Inc. He also teaches financial literacy classes for corporations and municipalities. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, providing a range of managed portfolio solutions and third-party manager programs.