Daniela Espinal Baez is a financial advisor with PNC Wealth Management in Easton, PA, holding Series 63 and Series 66 licenses and six years of industry experience. Her career includes roles at PNC Investments LLC since 2022 and multiple positions at Wells Fargo Bank and Wells Fargo Clearing from 2015 to 2022, as well as a year at Family First Life. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital discretionary model account available by invitation to employees with existing PNC Bank online-banking credentials. The firm’s approach involves algorithm-driven model selection, third-party portfolio implementation, and an automated rebalancing process using mutual funds and ETFs.

Jon Maitz is a financial advisor at Hornor, Townsend & Kent, LLC with 17 years of industry experience. He holds the ChFC® designation and Series 63 and 65 licenses. Maitz has been with Hornor, Townsend & Kent and Penn Mutual Life Insurance Company since 2014. Outside of his advisory role, he operates a multi-line insurance brokerage and is involved in financial planning services and property management activities. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a network of advisers, offering advisory programs, financial planning, and retirement plan consulting. The firm provides both discretionary and non-discretionary investment options and maintains a dual registration as an SEC-registered adviser and FINRA-member broker-dealer.

Daniel Flood is a financial advisor with Truist Advisory Services, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has been with Truist Advisory Services and Truist Investment Services since 2018, following prior roles at BB&T Securities and BBTIS. Flood serves as vice president and treasurer of Lauren's Hope Foundation, a nonprofit organization dedicated to raising funds for brain-injured children. Truist Advisory Services provides investment consulting and advisory services to individuals, corporations, retirement plan sponsors, and charitable organizations. The firm offers a range of services including asset allocation, investment policy analysis, and fiduciary support, utilizing a combination of discretionary manager relationships and non-discretionary consulting supported by AI-enhanced research and inter-affiliate integration.

David Mitchell is a CFP® and ChFC® with 22 years of experience in the financial industry. He has been with Centaurus Financial, Inc. since 2012. Outside of his advisory role, he is involved in tax consulting and the sale of fixed, non-indexed insurance products through related businesses. Centaurus Financial, Inc. provides advisory and brokerage services to individuals, families, small businesses, and institutional clients. The firm offers a range of financial planning and portfolio management services, employing both discretionary and non-discretionary arrangements and a combination of fundamental and technical analysis.

Dwayne Marsh is a financial advisor at Truist Advisory Services with 15 years of industry experience and a Series 66 designation. He has worked at Truist Advisory Services and Truist Investment Services since 2021 and previously held positions at Citizens Bank and Citizens Securities from 2015 to 2021. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, offering asset allocation, fiduciary support, and a manager‑selection program. The firm combines discretionary and non‑discretionary strategies, using third‑party platforms and AI‑enhanced research tools to support investment decisions.

Casey Giraud is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and six years of industry experience. He has worked at Commonwealth Financial Network and SteelPillars Financial since 2019. Outside of advisory work, he is involved in fixed insurance sales. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm offers a range of advisory programs and support services, enabling affiliated advisors to provide customized portfolio management and wealth planning solutions.

Ralph Capristo is a financial advisor with Centaurus Financial, Inc. in Allentown, PA, holding the CFP® designation and multiple securities licenses, with 12 years of industry experience. He previously worked at Umpqua Bank before joining Centaurus Financial in 2019. Capristo serves as an advisory council member for Misericordia University’s Business Department and is a board member of the Kutztown Rotary Foundation. Centaurus Financial, Inc. provides advisory and brokerage services to individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management through its CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services with a mix of discretionary and non-discretionary arrangements.

Shawn Hines is a financial advisor with Private Advisor Group, LLC, holding Series 63, 65, and 66 licenses and bringing 33 years of industry experience. He has been with Private Advisor Group and LPL Financial since 2012, with prior experience at New England Securities. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering discretionary and non-discretionary portfolio management, financial planning, and access to various advisory programs. The firm employs a fiduciary-based model that combines client goal assessment with portfolio management or manager selection, utilizing proprietary technology platforms and third-party strategists.

Brian Wagner is a financial advisor with J. W. Cole Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His career includes 15 years at Guardian Life Insurance Company and Park Avenue Securities before joining J. W. Cole Advisors in 2017. Outside of his advisory role, he is principal of Heritage Holdings of PA LLC, involved in fixed insurance sales. J. W. Cole Advisors, Inc. serves individual, high-net-worth, and institutional clients through a large network of independent advisers, offering fee-based portfolio management, financial planning, retirement services, and access to multiple investment platforms. The firm combines discretionary and non-discretionary account management using fundamental and technical strategies, alongside digital advice and third-party managers.

Clinton Osmun is a financial advisor with Truist Advisory Services holding Series 65 and Series 63 licenses and 11 years of industry experience. He has worked at various Citizens Bank and Securities entities from 2015 until joining Truist Advisory Services in 2021. He is also a registered notary public in Pennsylvania. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors and participants, and charitable organizations. The firm combines discretionary manager relationships with non-discretionary consulting and uses third-party platforms and AI-enabled research tools to support its investment approach.

Susan Lobello is a financial advisor at Janney Montgomery Scott with 33 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Merrill, Morgan Stanley Smith Barney, and Morgan Stanley & Co. Incorporated. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, corporate and retirement plan sponsors, and municipal clients, offering brokerage services, financial planning, and advisory programs.

Phyllis Williams is a financial advisor with Guardian Life who holds Series 65 and Series 66 credentials and has 27 years of industry experience. She has worked with Guardian Life Insurance Company since 2024 and has been affiliated with Park Avenue Securities for 10 years. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a dually registered broker-dealer and SEC-registered investment adviser that serves individuals, pension plans, charitable organizations, and corporate clients with a range of brokerage, financial planning, and investment advisory services.

Timothy Mack is a financial advisor with Truist Advisory Services, holding Series 63 and Series 65 licenses, and has five years of industry experience. His prior roles include positions at Bank of America and Wells Fargo, covering both clearing and banking services. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, fiduciary support, and a manager-selection program, utilizing both discretionary and non-discretionary approaches along with AI-enabled research tools.

Pouran Esrafily is a financial advisor at Bankers Life Advisory Services, Inc. with four years of industry experience. She holds a Series 65 designation and has prior work experience at Ethan Allen. In addition to her advisory role, she is also an insurance agent specializing in Medicare supplements, nursing home care coverage, life insurance, and fixed annuities. Bankers Life Advisory Services, Inc. provides discretionary portfolio management and investment consulting primarily to mass-affluent and high-net-worth individuals, focusing on customized asset allocation, tax efficiency, and a combination of fundamental and technical analysis. The firm emphasizes individual client service and integrates investment advisory with affiliated broker-dealer and insurance entities.

Christopher Held is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 65 and Series 63 licenses and 18 years of industry experience. He has worked at both Guardian Life Insurance Company and Park Avenue Securities since 2014. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a dually registered broker-dealer and SEC-registered investment adviser serving individuals, pension plans, charitable organizations, and corporate clients. The firm offers brokerage services, financial planning, retirement plan consulting, and a range of investment advisory programs.

Chad Erceg is a financial advisor with Commonwealth Financial Network in Bethlehem, PA, holding the ChFC® designation and Series 63 and 65 licenses. He has 18 years of industry experience, including 17 years at LPL Financial before joining Commonwealth and Lehigh Valley Investment Group in 2025. His other business activities include fixed insurance sales conducted at his branch location. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and back-office support, including investment management, technology, compliance, and practice-management services.

Rebecca Salabsky is a Series 66 licensed advisor with J. W. Cole Advisors, Inc. in Bethlehem, PA, with two years of industry experience. Her prior roles include positions at Mass Mutual Investors Services and MassMutual Life Insurance Co. She is also involved in fixed insurance sales and operates a DBA, Comprehensive Wealth Strategies. J. W. Cole Advisors is a large enterprise serving individuals, high-net-worth clients, and institutional accounts through fee-based portfolio management, financial planning, and retirement plan services. The firm offers a range of managed program options and access to third-party investment platforms, employing both fundamental and technical analysis strategies.

Michael Rothrock is a Certified Financial Planner® with 27 years of industry experience. He has been with Hornor, Townsend & Kent, LLC since 2014 and also works with Penn Mutual Life Insurance Company. Rothrock operates a life insurance brokerage under the name Rock Capital Group, offering insurance sales and financial planning services. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a network of advisers, providing advisory programs, financial planning, and retirement plan consulting. The firm combines advisory and broker-dealer services with substantial assets under management and maintains various third-party asset manager relationships.

Justin Walter is a financial advisor with Janney Montgomery Scott in Bethlehem, PA, holding Series 63 and Series 65 credentials and having 15 years of industry experience. He has been with Janney Montgomery Scott since 2016. Outside of his advisory work, Walter is actively involved in youth sports coaching, serving as a basketball and baseball coach for multiple local youth organizations and participating as a board member in Lehigh Little League. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base ranging from individuals and families to municipal clients, offering brokerage services, financial planning, and advisory programs supported by in-house and third-party portfolio management.

Conrad Wyatt is a financial advisor with PNC Wealth Management, holding a Series 66 designation and 15 years of industry experience. He has been with PNC Investments since 2014, working in various roles within the organization. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account pilot for employees. The firm uses algorithm-driven risk assessments and delegates portfolio implementation to third parties, employing mutual funds and ETFs with annual rebalancing.