August Ferretti is a financial advisor with Bankers Life Advisory Services, Inc., holding Series 63 and Series 65 credentials and bringing nine years of industry experience. He has been with Bankers Life Advisory Services since 2018 and also serves as an insurance agent and unit sales manager with Bankers Life & Casualty since 2002. Outside of his advisory role, he owns and operates an LLC managing a vacation rental property in Kitty Hawk, North Carolina, which offers rental services through the website obxluxuryrentals.com. Bankers Life Advisory Services, Inc. is an SEC-registered investment adviser serving mass-affluent and high-net-worth individuals with discretionary portfolio management, investment consulting, and retirement plan services. The firm combines fundamental, technical, and cyclical analysis to tailor asset allocations and portfolio management aligned with clients' goals and risk tolerances.

Valerie Downs is a CFP® with seven years of industry experience, currently serving as a financial advisor at MAI Capital Management, LLC. Her prior roles include positions at LWS Wealth Advisors, Inc., Wealth Edge, and Allied Wealth Partners. MAI Capital Management provides investment management, wealth management, retirement plan consulting, and family-office services to a diverse client base, including high-net-worth individuals, families, sports professionals, trusts, and institutional clients. The firm manages a broad range of strategies and integrates financial planning and tax services into its client relationships.

Kyle Vito is a financial advisor at PNC Wealth Management with 12 years of industry experience. He holds a Series 66 designation and has previously worked at Equitable Advisors and AXA Advisors, LLC. PNC Wealth Management provides retail brokerage and advisory services through several model-based programs, including an online, discretionary model account offered as an invitation-only employee pilot. The firm uses algorithmic digital questionnaires to recommend investment risk bands and implements portfolios primarily through mutual funds and ETFs with annual rebalancing.

Adam Skot is a financial advisor with GWN Securities Inc. in Bridgewater, NJ, holding a Series 66 credential and 15 years of industry experience. He has been with GWN Securities since 2016. Outside of his advisory role, he is involved in selling life and health insurance on a commission basis. GWN Securities provides investment advisory and related services to individual and corporate clients through various managed account programs and financial planning offerings. The firm employs a mix of affiliated and unaffiliated sub-advisers and incorporates market-timing and momentum-based strategies within some of its legacy programs.

Christine Taylor is a financial advisor at Janney Montgomery Scott with 19 years of industry experience. She holds a Series 66 designation and previously worked at UBS for 10 years before joining Janney Montgomery Scott in 2022. 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 including individuals, families, trusts, corporations, and charitable organizations, offering brokerage services, financial planning, and advisory programs through a combination of in-house and third-party portfolio management.

Omar Olivieri is a Chartered Financial Consultant (ChFC®) with 12 years of industry experience. He is currently with PNC Wealth Management and has held prior roles at Santander Securities, Santander Bank, Lovesac, and J.P. Morgan Chase Bank. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including the Portfolio Solutions Strategist Digital Offering, an invitation-only online discretionary model account that uses algorithmic risk assessment and employs third-party strategists to manage investments via mutual funds and ETFs.

Dennis Huergo is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding CFP® and ChFC® designations and seven years of industry experience. His prior roles include positions at Altfest Personal Wealth Management, Facet Wealth, and New York Life. He also serves as an adjunct professor at Seton Hall University’s Stillman School of Business, teaching the CFP curriculum to undergraduates. Wealth Enhancement Advisory Services is an SEC-registered enterprise advisory firm serving a diverse client base, including individuals, trusts, charitable organizations, corporations, and retirement plans. The firm employs a strategic investment approach combining passive and active management, guided by an internal Investment Committee and supported by quantitative and fundamental research.

Sheldon Ferriss Jr. is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His career includes roles at Wells Fargo Advisors and its clearing division before joining Janney in 2018. Janney Montgomery Scott LLC is a large broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base and provides investment advice through a combination of in-house portfolio management and third-party managers across multiple advisory programs.

Roger Marvinney is a financial advisor with PNC Wealth Management, holding Series 63 and Series 66 designations and bringing 20 years of industry experience. He has been with PNC Investments LLC since 2013. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account that uses algorithmic questionnaires to recommend investment strategies implemented via mutual funds and ETFs.

Timothy Hyland is a CFP® with 25 years of industry experience, currently affiliated with Hornor, Townsend & Kent, LLC. He has worked at Penn Mutual and Hornor, Townsend & Kent since 2002. Outside of his advisory role, he is the proprietor of Stone Hill Financial LLC, a multi-line insurance business involved in employee benefits and insurance sales. Hornor, Townsend & Kent serves individuals, trusts, businesses, charities, and retirement plans through a broad network of advisers, offering advisory programs, financial planning, and retirement consulting. The firm operates both advisory and broker-dealer services, managing substantial assets under management through third-party asset manager relationships and providing tailored investment solutions.

Scott Silver is a financial advisor at Lido with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Lido Advisors since 2025. Prior to that, he held positions at Fountainhead AM, Fountainhead Capital Management, and Mass Mutual Investors Services. Silver serves as Finance Trustee of the Reeves-Reed Arboretum in Summit, NJ. Lido advises high-net-worth and ultra-high-net-worth individuals, family offices, trusts, estates, charitable organizations, corporations, and pooled investment vehicles. The firm employs an integrated wealth management approach that includes diversification across multiple asset classes and options-based strategies, often managing assets on a discretionary basis and utilizing third-party managers when appropriate.

Douglas Shirley is a financial advisor with TD Private Client Wealth LLC, holding Series 63 and Series 65 designations and bringing 25 years of industry experience. His prior roles include positions at Charles Schwab and TD Ameritrade, among others. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail TDIS clients. The firm utilizes a combination of affiliated and third-party sub-managers within its portfolio construction and employs a wrap fee structure that differentiates it from many peers.

Christopher Alberti is a financial advisor with GWN Securities Inc. in Bridgewater, NJ, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MetLife Securities Inc. Outside of his advisory work, Alberti is an independent insurance agent offering life, disability, accident, health, and long-term care insurance, as well as fixed insurance products through Shockproof Insurance LLC. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients with discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios. The firm manages approximately $3.65 billion across over 37,000 accounts and offers a range of managed-account programs, including SMA, UMA, and fund-strategist options on the Fidelity-supported FMAX platform.

Terrence Norton is a financial advisor with PNC Wealth Management, holding Series 63 and Series 66 licenses and 26 years of industry experience. He has been with PNC Investments since 2008 and worked at Merrill from 2003 to 2008. Outside of his advisory role, he has been involved as a landlord in a non-investment business. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account for employees that uses algorithmic risk assessment and manages portfolios via approved strategies with mutual funds and ETFs.

Mary Earl is a financial advisor with GWN Securities Inc. in Bridgewater, NJ, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. Her career includes roles at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, MetLife Securities Inc., and Metropolitan Life Insurance Co. Outside of her advisory work, she serves as president of two tennis clubs, the Eagle Rock Racquet Club in Vermont and the Westfield Tennis Club in New Jersey. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios. The firm manages approximately $3.65 billion across more than 37,000 accounts and offers a range of investment programs, including traditional asset allocation and legacy momentum-based strategies.

Philip Deangelis is a financial advisor with TD Private Client Wealth LLC, holding Series 63 and Series 65 credentials and five years of industry experience. His work history includes roles at TD Private Client Wealth LLC and TD Bank N.A. since 2017, as well as earlier experience with State Farm’s Bob Witmer Agency. TD Private Client Wealth LLC offers discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail investors. The firm uses strategic and tactical asset allocation combined with both affiliated and third-party sub-managers to construct portfolios, providing ongoing portfolio management, financial planning support, and custody services.

Dennis Gunn is a CFP® with 41 years of industry experience, currently serving at Hornor, Townsend & Kent, LLC. He has been with the firm and its affiliate Penn Mutual Life Insurance Company since 2010. Outside of his advisory role, he is actively involved in life insurance brokerage through Primary Financial and Stone Hill Financial, focusing on life insurance, annuities, disability, and pension plan investments. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans with advisory programs and financial planning services. The firm offers both advisory and broker-dealer capabilities, managing approximately $8.37 billion in discretionary assets under management as of December 31, 2025.

Nicholas Cooper is a financial advisor at Commonwealth Financial Network with four years of industry experience. He holds the Series 65 designation and previously worked at RMR Wealth Builders, Inc. and WMS Partners, LLC. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and managing around $212.7 billion in client assets. The firm provides a broad adviser-support platform, including managed-account programs, access to third-party asset managers, and custody services.

Michael Dilella is a financial professional with 42 years of industry experience, currently affiliated with GWN Securities Inc. since 2017. His prior experience includes roles at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and METLIFE Securities Inc. He is also an independent insurance agent selling property and casualty insurance through Aegis Risk Solutions Group LLC. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individuals and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios. The firm manages approximately $3.65 billion across more than 37,000 accounts and offers a range of managed-account programs that include both traditional asset-allocation and legacy market-timing strategies.

Amanda Glanz is a CFP® with 24 years of industry experience. She is currently with NewEdge Advisors and previously worked at Janney Montgomery Scott, LLC and UBS Financial Services Inc. Ms. Glanz is also a licensed insurance agent. NewEdge Advisors is an enterprise-scale registered investment adviser serving individuals, including high-net-worth clients, pension plans, corporations, and charitable organizations through a network of independent advisers. The firm offers a wide range of portfolio management and consulting services, utilizing both in-house and third-party investment strategies supported by centralized due diligence and technology tools.