Frances Gardner is a CFP® professional with 34 years of experience in the financial industry. She currently works at Osaic Wealth and previously spent 20 years at Hornor Townsend & Kent, followed by seven years with Kestra Advisory and Kestra Investment Services. Outside of her advisory role, she is involved with Gardner Wallace Financial Solutions LLC, focusing on insurance and investment advisory services. Osaic Wealth serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a broad network of advisors and advisory platforms. The firm offers integrated brokerage and investment advisory services, using advanced asset allocation tools and multiple third-party solutions to construct diversified portfolios.

Patrick Wallace is a financial advisor with Osaic Wealth, Inc. He holds the ChFC® designation and the Series 63 license, and has 19 years of industry experience. Prior to joining Osaic in 2026, he worked at Kestra Advisory and Kestra Investment Services from 2019 to 2026, and at Penn Mutual Life Insurance Company since 2006. He also teaches financial planning classes at corporations and municipalities through Gardner Wallace Financial Solutions, where he is a partner and financial planner. Osaic Wealth, Inc. serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, employing asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios that can include a variety of investment types on both discretionary and non-discretionary bases.

Andrew Gardner is a CFP® professional with 17 years of industry experience, currently affiliated with OSAIC Wealth. His prior experience includes over a decade at Hornor Townsend & Kent Inc and seven years at Kestra Advisory and Kestra Investment Services. Gardner is a partner and financial planner at Gardner Wallace Financial Solutions, where he teaches financial literacy classes for corporations and municipalities. OSAIC Wealth serves a diverse clientele including individual, high-net-worth, institutional, corporate, and charitable clients through a large network of advisers and advisory platforms. The firm uses a range of investment tools and offers integrated brokerage, advisory, and financial planning services.