Jeffery Smith is a CFP® with 10 years of industry experience, currently affiliated with Guardian Life and Park Avenue Securities. His work history includes multiple roles at Guardian Life Insurance and Park Avenue Securities since 2016. He serves as President of the Rotary Club of Troutman. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage services, financial planning, and investment advisory programs to individuals, pension plans, charitable organizations, and corporate clients. The firm offers both discretionary and non-discretionary advisory relationships and incorporates proprietary and third-party model portfolios.

Peter Gebre is a financial advisor at Guardian Life with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked with OneAmerica Securities, American United Life, and Voya Financial Partners. His current role includes serving clients through Park Avenue Securities, a subsidiary of Guardian Life. Park Avenue Securities LLC provides brokerage, financial planning, retirement consulting, and investment advisory services to individuals, pension plans, charitable organizations, and corporate clients. The firm offers a range of advisory solutions, including discretionary and non-discretionary portfolio management and digital advisory services.

William Mcclanahan is a CFP® with seven years of industry experience, currently affiliated with Guardian Life and Park Avenue Securities. His prior roles include positions at Valic Financial Advisors and TIAA. Mcclanahan also engages in an insurance-related business outside of Guardian Life. Park Avenue Securities LLC, doing business as Park Avenue® Wealth Management, is a dually registered broker-dealer and SEC-registered investment adviser serving individuals, pension and profit-sharing plans, charitable organizations, and corporate clients with a range of brokerage and advisory services.

Misty Petrosino is a financial advisor with Primerica Advisors based in Charlotte, NC, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. She has worked at Park Avenue Securities LLC and Guardian Life Insurance Co of America since 2017 and previously spent 13 years with Metropolitan Life Insurance Company and MetLife Securities Inc. Outside of her advisory role, she is involved with Target Market Institute, LLC, a business activity unrelated to investments. Park Avenue Securities LLC serves a diverse retail client base including individual and high-net-worth investors, charitable organizations, and corporate clients, offering both brokerage and advisory services alongside financial and retirement planning. The firm uses a combination of proprietary and third-party investment strategies and supports discretionary and non-discretionary account management with a variety of investment options.

Thomas Dumas is a CFP® and ChFC® with 25 years of experience, currently affiliated with Guardian Life and Park Avenue Securities in Charlotte, NC. He has worked at both firms since 2001. Outside of his advisory role, he represents other carriers for life, health, disability, and long-term care insurance products. He is part of Park Avenue Securities, a subsidiary of The Guardian Life Insurance Company of America, which serves individuals, pension plans, charitable organizations, and corporate clients with brokerage services, financial planning, and a variety of investment advisory programs.

Genie Theimer is a financial advisor with Primerica Advisors based in Charlotte, NC. She holds the ChFC® designation along with Series 63 and Series 65 licenses and has 43 years of industry experience. Her career includes over two decades at Park Avenue Securities and Guardian Life Insurance Company since 2005. Park Avenue Securities LLC serves a diverse retail client base, offering brokerage and advisory services, financial planning, and retirement-plan consulting. The firm employs a range of investment strategies through proprietary models, third-party managers, and digital advice platforms, managing approximately $15 billion in regulatory assets with a network of nearly 1,900 investment adviser representatives.

James Matthews is a CFP® professional with 18 years of experience in the financial services industry. He is currently with Primerica Advisors and has previously worked at Aon Hewitt Financial Advisors LLC and Guardian Life Insurance Company. Matthews is involved in writing for his firm and serves on the Peer Review Board for the Journal of Financial Planning. Primerica Advisors serves a broad retail client base, offering brokerage and advisory services along with financial planning, retirement-plan consulting, and business consulting. The firm employs a variety of investment strategies through proprietary and third-party models and supports both discretionary and non-discretionary account management.

Michael Thompson is a financial advisor with Primerica Advisors based in Charlotte, NC, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at Park Avenue Securities since 2012 and has been affiliated with Guardian Life Insurance Co. since 2001. Outside of his work with Guardian, he operates Thompson Planning Group Insurance, focusing on the sale of traditional insurance products. Park Avenue Securities serves a diverse retail client base, including individuals, high-net-worth investors, charitable organizations, and corporate clients. The firm offers both brokerage and advisory services, employing a range of proprietary and third-party investment strategies and supporting various account-level features such as lending solutions and tax-harvesting.

Tony Montini is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has worked with Park Avenue Securities and Guardian Life Insurance Company since 2011. Montini is also licensed for insurance sales with multiple carriers. Park Avenue Securities serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients, offering both brokerage and advisory services alongside financial planning and retirement consulting. The firm utilizes a range of investment strategies through proprietary and third-party managers, supporting various account types and lending solutions.

Brady Hemmerle is a CFP® with eight years of industry experience currently with Guardian Life. His career includes roles at The Vanguard Group and Stash Wealth. He also maintains an outside insurance business. Guardian Life’s subsidiary, Park Avenue Securities LLC, provides brokerage services, financial planning, and investment advisory programs to individuals, pension plans, charitable organizations, and corporate clients, utilizing a range of proprietary and third-party models.

Holly Curtis is a financial advisor with Guardian Life, holding Series 63 and Series 66 licenses and 15 years of industry experience. She has worked at Guardian Life, Park Avenue Securities, and LPL Financial. Curtis is based in Charlotte, NC. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management and a subsidiary of The Guardian Life Insurance Company of America, serves individuals, pension plans, charitable organizations, and corporate clients with brokerage, financial planning, retirement consulting, and investment advisory programs. The firm offers both discretionary and non-discretionary advisory relationships and utilizes a variety of in-house and third-party model portfolios.

Brayden Curtis is a financial advisor with Guardian Life and holds a Series 66 license. He has been in the industry since 2026, previously working at Consolidated Planning Holdings, Inc. and Park Avenue Securities. Outside of finance, he has experience with Meowtel and the Best Friends Animal Society. Guardian Life’s subsidiary, Park Avenue® Wealth Management, serves individuals, pension and profit-sharing plans, charitable organizations, and corporate clients with brokerage services, financial planning, and investment advisory programs. The firm offers both discretionary and non-discretionary advisory solutions, including hybrid digital options, and integrates proprietary and third-party investment strategies.

Emma Brandt is a financial advisor with Primerica Advisors in Charlotte, NC, holding a Series 66 designation and two years of industry experience. Her prior work includes positions at Guardian Life Insurance Company and Equitable Advisors, as well as roles in academia and event management. Primerica Advisors is part of Park Avenue Securities LLC, which serves a diverse retail client base with brokerage and advisory services, including financial planning and retirement consulting. The firm offers a range of investment strategies through proprietary and third-party platforms, managing approximately $15 billion in regulatory assets under management.

Robert Armstrong is a Series 66-licensed financial advisor at Primerica Advisors with 12 years of industry experience. He has worked at Guardian Life Insurance Company, Park Avenue Securities, and other firms throughout his career. Outside of his advisory role, Armstrong serves as president of a local BNI chapter and participates in peer-to-peer car rental through Turo. Park Avenue Securities LLC serves a diverse retail client base, including individuals, high-net-worth investors, charitable organizations, and corporations, offering brokerage and advisory services alongside financial planning and retirement consulting. The firm utilizes a range of proprietary and third-party investment strategies delivered through various platforms and supports both discretionary and non-discretionary account management.

Benjamin Cheaney is a financial advisor with Primerica Advisors and holds a Series 66 designation. He has one year of industry experience and previously worked at Ernst & Young and Morningstar. Primerica Advisors serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers brokerage and advisory services, financial planning, and retirement-plan consulting through a variety of proprietary and third-party investment programs.

Daniel Barry Jr. is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and having 10 years of industry experience. His prior roles include positions at BrightHouse Securities, MetLife, Guardian Life Insurance, and Park Avenue Securities. Park Avenue Securities LLC serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients, offering both brokerage and fee-based advisory services. The firm employs a range of investment strategies through proprietary model portfolios, third-party managers, and digital advice solutions, managing approximately $15 billion in regulatory assets under management.

Nicole Pilo is a financial advisor with Primerica Advisors in Charlotte, NC, holding a Series 66 designation and 14 years of industry experience. She has worked at Park Avenue Securities and Guardian Life Insurance Company since 2011. Outside of her advisory role, she serves on the board of Freedom School Partners. Park Avenue Securities LLC serves a diverse retail client base with both brokerage and advisory services, offering proprietary and third-party investment programs and financial planning solutions. The firm manages approximately $15 billion in regulatory assets under management and supports a range of investment strategies, including discretionary and non-discretionary accounts.

Daniel Mullane is a financial advisor with Guardian Life in Charlotte, NC, holding a Series 66 credential and 11 years of industry experience. He has been with Guardian Life since 2013. Mullane is the majority owner of Talcott Group LLC and conducts insurance sales with carriers other than Guardian. Guardian Life’s subsidiary, Park Avenue Securities LLC, serves individual, pension, charitable, and corporate clients by providing brokerage services, financial planning, retirement plan consulting, and a range of investment advisory programs, including discretionary and non-discretionary models as well as a digital advisory solution.

William Miller is a Chartered Financial Consultant (ChFC®) with 31 years of experience in the financial services industry. He is currently with Primerica Advisors and has worked at Park Avenue Securities and Guardian Life Insurance Company of America since 2008. Outside of his advisory role, he serves as a deacon at Westminster Presbyterian Church in Charlotte, NC. Park Avenue Securities LLC serves a diverse retail client base, including individuals, high-net-worth investors, charitable organizations, and corporate clients, providing brokerage and advisory services along with financial and business consulting. The firm offers multiple proprietary and third-party investment programs and supports a range of account-level services such as lending solutions and donor-advised funds.

Andrew Brincefield is a financial advisor at Primerica Advisors with over 21 years of industry experience. He holds the CFP® and ChFC® designations and has worked at Park Avenue Securities since 2023 and Guardian Life Insurance Company since 2004. He is also the owner and CEO of Consolidated Planning Holdings, Inc., a financial planning firm focusing on insurance and wealth management solutions. Primerica Advisors is part of a large enterprise serving individual investors, businesses, and retirement plans through both brokerage and advisory services. The firm offers a range of proprietary investment programs and third-party solutions delivered via model-based platforms and provides clients access to alternative investments and lending options.

Colton Mendenhall is a financial advisor with Primerica Advisors in Charlotte, NC, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Park Avenue Securities, Guardian Life Insurance Company, Consolidated Planning, and Wells Fargo. He is also engaged in independent insurance sales outside of Guardian Life. Primerica Advisors serves a broad retail client base with both brokerage and advisory services, offering proprietary advisory programs and access to third-party investment platforms. The firm supports a range of investment strategies and account-level services for individual, high-net-worth, and institutional clients.

Ernest Glass Jr. is a financial advisor with Primerica Advisors in Charlotte, NC, holding Series 63 and Series 65 licenses and over 44 years of industry experience. He has been with Primerica Advisors since 1999 and has concurrently worked with Guardian Life Insurance Co., Inc. since 1997. Outside of his advisory role, he serves as Secretary/Treasurer for the Orient Point Homeowners Association, managing its financial records. Primerica Advisors operates as part of Park Avenue Securities LLC, which serves a diverse retail client base through a combination of brokerage and advisory services, proprietary and third-party investment programs, and comprehensive financial planning solutions.

Michael Harris is a financial advisor with Primerica Advisors in Charlotte, NC, holding Series 63 and Series 66 licenses and 15 years of industry experience. He has been affiliated with Guardian Life Insurance Co. and Park Avenue Securities, LLC since 2013. Outside of his advisory role, he serves as a contingent executor and contingent power of attorney for family members. Park Avenue Securities LLC serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers both transaction-based brokerage and fee-based advisory relationships, providing a range of financial planning, retirement-plan consulting, and business consulting services through proprietary and third-party investment platforms.

Boyd Cauble II is a financial advisor with Primerica Advisors, holding Series 65 and Series 66 licenses and bringing 24 years of industry experience. He has worked with Guardian Life Insurance Company and Park Avenue Securities since 2010. Cauble also utilizes CBS brokerage as a resource for life insurance policies for clients. Park Avenue Securities LLC serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients, offering both brokerage and advisory services along with financial and business consulting. The firm employs a range of investment strategies through proprietary and third-party portfolios and supports various account-level services such as lending solutions and donor-advised funds.

Katherine Jamil is a CFP® professional with 16 years of experience in the financial services industry. She is affiliated with Guardian Life and currently works at Park Avenue Securities, LLC. Her prior experience includes roles at Mutual Securities, Cornerstone Wealth Group, LPL Financial, Kestra Investment Services, and NRP Advisors. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a broker-dealer and SEC-registered investment adviser serving individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers brokerage services, financial planning, retirement plan consulting, and a range of investment advisory programs, including hybrid digital advisory solutions and discretionary or non-discretionary model portfolios.

Michael Acosta is a financial advisor with Guardian Life and Park Avenue Securities, holding CFP® and ChFC® designations and over nine years of industry experience. He previously worked at Diamonds Direct and Adhesion Wealth Advisor Solutions. Acosta serves as a NexGen Board member of the Charlotte Chapter of the Financial Planning Association and sits on the Wingate University Alumni Advisory Board. Park Avenue Securities LLC, under Guardian Life, provides brokerage, financial planning, and retirement plan consulting services to individuals, including high-net-worth clients, as well as pension plans, charitable organizations, and corporate clients. The firm offers a range of advisory programs with both discretionary and non-discretionary options, combining proprietary and third-party investment models.

Tyler Odonnell is a CFP® with three years of industry experience currently affiliated with Guardian Life and Park Avenue Securities. His prior roles include positions at Consolidated Planning Inc. and Macmillan Holdings, LLC. Outside of finance, he has experience working with the YMCA of Greater Charlotte. Park Avenue Securities, a subsidiary of The Guardian Life Insurance Company of America, serves individuals, pension and profit-sharing plans, charitable organizations, and corporate clients with brokerage services and investment advisory programs that include both proprietary and third-party model portfolios.

Esther Park is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 63 and Series 66 designations and 28 years of industry experience. Her career includes roles at Guardian Life Insurance Company and Park Avenue Securities, with a noted sabbatical to start Maid Pretty. She also provides support to another advisor, Orrin Magill, in a non-investment capacity. Park Avenue Securities LLC, a wholly owned subsidiary of The Guardian Life Insurance Company of America, serves individual and institutional clients through brokerage, financial planning, retirement consulting, and advisory programs that include both proprietary and third-party models.

William Von Husen III is a financial advisor with Primerica Advisors based in Indian Trail, NC, holding Series 63 and Series 65 designations and bringing 25 years of industry experience. His prior work includes fifteen years at CETERA Financial Specialists LLC and multiple roles at Guardian Life Insurance Company and Park Avenue Securities. Outside of his advisory work, he is involved with Doxa Retirement Services, LLC, a non-investment-related activity. Primerica Advisors serves a broad retail client base, offering both brokerage and advisory services along with financial planning and retirement-plan consulting. The firm utilizes a mix of proprietary and third-party investment strategies and supports a range of account-level services, including lending solutions and donor-advised funds.

Rick Burger is a financial advisor with Primerica Advisors based in Charlotte, NC, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. He has worked with Park Avenue Securities and Guardian since 2015. In addition to his advisory work, he serves as a successor executor for friends and holds power of attorney for his wife. Park Avenue Securities LLC serves a broad retail client base, offering both transaction-based brokerage and fee-based advisory services, including financial planning and retirement-plan consulting. The firm employs a range of investment strategies through proprietary and third-party portfolios and supports various account-level services such as lending solutions and donor-advised funds.

Lisa Hund is a financial advisor with Primerica Advisors and holds the ChFC® designation along with Series 63 and Series 65 licenses. She has 16 years of industry experience and has worked extensively with Park Avenue Securities and Guardian Life Insurance Company. Outside of her advisory role, she serves on the Board of Trustees for the Rock Hill Elks Lodge 1318, co-chairs its Entertainment Committee, plays trumpet for her church and other congregations, and is a board member of the Carolina Wind Orchestra. Park Avenue Securities LLC serves a diverse retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers a range of brokerage and advisory services, utilizing proprietary and third-party investment strategies across various asset classes and account types.

Kathryn Hughes is a financial advisor with Guardian Life and holds Series 63 and Series 66 licenses. She has seven years of industry experience, including roles at Pruco Securities and Park Avenue Securities, where she currently works. Outside of her advisory work, she serves as a Certified Divorce Financial Analyst and consults on divorce-related financial decisions through her company, Smart Divorce Decisions, LLC. Guardian Life’s subsidiary, Park Avenue Securities LLC, provides brokerage and investment advisory services to individuals, pension plans, charitable organizations, and corporate clients. The firm offers a range of investment programs and financial planning solutions, including discretionary and non-discretionary advisory relationships.

Neal Patel is a financial advisor with Guardian Life and holds a Series 66 designation. He has one year of experience as an advisor, currently with Park Avenue Securities since 2026. Prior to his advisory role, he worked in legal services at Egenberg Trial Lawyers and in operations with the New Orleans Pelicans and New Orleans Saints. Park Avenue Securities LLC operates as Park Avenue® Wealth Management, a broker-dealer and SEC-registered investment adviser serving individuals, pension and profit-sharing plans, charitable organizations, and corporate clients with a range of financial planning and investment advisory services.

Joseph Pagani is a financial advisor at Guardian Life and Park Avenue Securities with six years of industry experience. He holds a Series 66 designation and previously worked at Bermuda Sands Apparel. He is also involved in other insurance-related business activities in Charlotte, NC. Park Avenue Securities LLC, a subsidiary of Guardian Life, serves individuals, retirement plans, charitable organizations, and corporate clients with brokerage services, financial planning, and investment advisory programs that include both proprietary and third-party strategies.

Jeffrey Howard is a ChFC® with over 36 years of experience in the financial services industry. He has been with Primerica Advisors since 1999 and is also affiliated with Guardian Life Insurance Co of America. Based in Charlotte, NC, he has a long-standing career that includes ownership and management of several real estate investment entities. Primerica Advisors operates as part of Park Avenue Securities LLC, serving a broad retail client base with both brokerage and advisory services. The firm offers a range of investment programs and financial planning solutions, utilizing proprietary and third-party strategies to manage approximately $15 billion in assets.

Jennifer Daley is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 63 and Series 66 credentials and bringing 11 years of industry experience. She serves on the board of directors for Screven Christian Academy and is president of a local Business Network International chapter. Park Avenue Wealth Management, a subsidiary of The Guardian Life Insurance Company of America, offers brokerage services, financial planning, and investment advisory programs to individuals, pension plans, charitable organizations, and corporate clients. The firm provides both discretionary and non-discretionary advisory relationships and utilizes a mix of proprietary and third-party investment models.

Joseph Vaughn is a financial advisor with Guardian Life in Charlotte, NC, holding Series 63 and Series 66 credentials and three years of industry experience. Prior to joining Guardian Life in 2026, he worked at LPL Financial from 2023 to 2026. Guardian Life’s subsidiary, Park Avenue® Wealth Management, serves individuals, pension and profit-sharing plans, charitable organizations, and corporate clients by providing brokerage services, financial planning, retirement plan consulting, and a range of investment advisory programs.

Nicholas Todd is a financial advisor at Primerica Advisors with a Series 66 designation and one year of industry experience. His prior work includes roles at Park Avenue Securities and Guardian Life Insurance. Outside of his advisory work, he is involved in community activities such as organizing basketball lessons, serving as a networking chair for the Charlotte Clemson Club Board, and participating on the boards of local professional networking groups. Park Avenue Securities LLC serves a broad retail client base, offering brokerage and advisory services along with financial planning and retirement-plan consulting. The firm employs a variety of investment strategies through proprietary and third-party portfolios and supports both discretionary and non-discretionary account management.

Jeffrey Collins is a financial advisor with Primerica Advisors based in Charlotte, NC, holding a Series 66 license and 15 years of industry experience. His prior roles include positions at Park Avenue Securities, Guardian Life Insurance Company, Independent Advisor Alliance, LLC, and LPL Financial, LLC. Park Avenue Securities LLC serves a broad retail client base, offering both brokerage and advisory services, including financial planning and retirement-plan consulting. The firm utilizes a range of investment strategies through proprietary and third-party manager platforms and supports accounts with features such as securities-based lending and tax harvesting.

Dennis Myers III is a financial advisor with Primerica Advisors and holds Series 63 and Series 66 licenses. He has 24 years of industry experience, including roles at Park Avenue Securities and Guardian Life Insurance Company of America since 2004. Myers also engages in insurance activities outside of Guardian-fixed annuities. Park Avenue Securities serves a diverse retail client base with brokerage and advisory services, offering proprietary and third-party investment programs alongside financial and business consulting. The firm manages assets through a combination of model portfolios and external strategists, supporting both discretionary and non-discretionary accounts.

Joel Gardner is a financial advisor with Primerica Advisors who holds a Series 66 designation and has eight years of industry experience. He has worked with Park Avenue Securities and Guardian Life Insurance Company since 2017. Outside of his advisory role, he is involved in outside insurance sales focused on fixed insurance products, including health, life, and fixed annuities. Park Avenue Securities serves a diverse retail client base, offering brokerage and advisory services alongside financial planning and retirement consulting. The firm employs a range of investment strategies through proprietary and third-party platforms and supports various account-level services such as lending solutions and donor-advised funds.

Charles Stegall is a financial advisor with Primerica Advisors in Charlotte, NC, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Primerica Advisors since 1999 and has longstanding affiliations with CP Advisory Services, Inc. and Guardian Life Insurance Company. Outside of his advisory work, he is a passive owner of an HVAC installation company and has invested in a resort development project in the Bahamas. Primerica Advisors serves a broad retail client base, offering both brokerage and fee-based advisory services, including financial planning and retirement consulting. The firm employs a range of investment strategies through proprietary and third-party platforms and supports various account-level services such as securities-based lending and tax-harvesting.

Robert Holmes is a financial advisor with Primerica Advisors based in Charlotte, NC, holding the ChFC® and Series 63 designations and bringing 51 years of industry experience. He has been affiliated with Park Avenue Securities and Guardian Life Insurance since 2013. Holmes serves as a board member of the Society of Financial Services Professionals. Park Avenue Securities LLC serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients, offering a range of brokerage and advisory services along with financial and business consulting. The firm implements investment strategies through proprietary and third-party model portfolios and supports various account-level services such as lending solutions and donor-advised funds.

Shawna Minervini is a financial advisor at Primerica Advisors with 22 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at firms including Park Avenue Securities, Guardian Life Insurance Company, and MassMutual. Outside of advising, she is also a licensed real estate broker with Farms & Estates Realty. Park Avenue Securities serves a broad retail client base with both brokerage and advisory services, offering financial planning, retirement-plan consulting, and business consulting. The firm employs a range of investment strategies through proprietary portfolios, third-party managers, and digital advice solutions.

Keith Taylor is a financial advisor with Primerica Advisors based in Charlotte, NC. He holds the ChFC® designation and the Series 66 license, and has 25 years of industry experience. He has worked at Park Avenue Securities since 2000. Outside of his advisory work, he teaches pickleball part-time in Charlotte. Park Avenue Securities serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers both transaction-based brokerage and fee-based advisory services, employing a variety of investment strategies through proprietary models, third-party managers, and digital advice platforms.