Jacob Kovar is a CFP® professional with one year of industry experience, currently affiliated with Wealth Enhancement Advisory Services, LLC. His prior roles include positions at Northwestern Mutual and Bleakley Financial Group. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving a diverse client base including individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm offers financial planning, asset management, and specialized retirement consulting, employing a strategic investment process that combines passive and active management guided by an internal Investment Committee.

Dharshan Premaratne is a financial advisor with TD Private Client Wealth LLC, holding Series 63 and Series 65 licenses and six years of industry experience. He has been with TD Private Client Wealth LLC and TD Bank since 2020, following eight years at TD Bank from 2012 to 2020. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services primarily to institutional clients, high-net-worth private clients, and retail TDIS (US) clients. The firm uses a combination of strategic and tactical asset allocation with investments from both affiliated and third-party sub-managers.

Michael Gallagher is a financial advisor at PNC Wealth Management with 10 years of industry experience. He holds a Series 66 designation and has been with PNC Investments LLC since 2016. Outside of his advisory role, he has been involved with the YMCA of Burlington & Camden Counties for over 20 years. PNC Wealth Management offers retail brokerage and advisory services through several model-based programs, including an invitation-only digital portfolio offering designed for employees. The firm uses algorithmic tools to recommend risk-based strategies implemented with mutual funds and ETFs, with portfolio management delegated to third parties.

Lawrence Ennis is a financial advisor at Janney Montgomery Scott with 49 years of industry experience. He holds a Series 63 designation and has been with Janney Montgomery Scott in various roles since 2009. Outside of his advisory work, Ennis serves as Secretary and Treasurer for the North Jersey Cardinals, a youth baseball organization for players aged 14-18. Janney Montgomery Scott is a large 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 charitable organizations, offering brokerage, financial planning, consulting, and advisory services through a variety of managed account programs.

Rodger Guerra is a financial advisor with GWN Securities Inc. in Bridgewater, NJ, holding Series 63 and Series 65 licenses and having 27 years of industry experience. His prior firms include Cetera Advisors LLC and his own firm, Guerra Financial Services. Outside of advisory work, he serves as a basketball referee for high school games in Burlington and Camden Counties, NJ. GWN Securities provides investment advisory and related services to individual and corporate clients through multiple managed account programs and financial planning. The firm employs a mix of affiliated and unaffiliated sub-advisers and utilizes model-based allocations grounded in asset allocation and Modern Portfolio Theory, with certain legacy programs employing trading and tactical strategies.

Dylan Pardo is a financial advisor with Empower Advisory Group and holds a Series 66 designation. He has one year of industry experience, with prior roles at firms including Equitable Advisors, Pendry Natirar, and LPL Financial. Outside of finance, he has experience working at Mastercard and in the hospitality sector. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as retail brokerage clients. The firm emphasizes point-in-time financial plans and managed account solutions delivered through an integrated model connected to Empower’s administrative platforms.

Francis D'alia II is a financial advisor with Principal Financial Services, holding Series 66, 63, and 65 licenses and eight years of industry experience. He has worked at firms including Dimensional Fund Advisors, The Vanguard Group, and Merrill. Outside of his advisory role, he is involved in the sales and service of fixed insurance products such as life, annuities, and health insurance. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement consulting, and access to third-party money managers through distinct advisory and promoter arrangements.

Gregory Muscavage is a financial advisor at GWN Securities Inc. with 36 years of industry experience. He holds a Series 65 designation and has worked at GWN Securities since 2018, following prior roles at Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Company. Outside of his advisory role, Muscavage is an independent insurance agent specializing in dental and group disability income, disability, fixed annuities, life/accident/health, and long-term care insurance. GWN Securities provides investment advisory services to individual and corporate clients through multiple managed account programs and financial planning offerings. The firm employs a mix of affiliated and unaffiliated sub-advisers and uses model-based portfolio allocations, including tactical market-timing and momentum strategies in certain legacy programs.

Robert Rooyakkers is a CFA® charterholder with 29 years of industry experience. He is currently affiliated with Empower Advisory Group and has held roles at GWFS Equities, Inc., Prudential Investment Management Services, Prudential Insurance Company of America, and PRUCO Securities, LLC. Empower Advisory Group provides financial planning and investment management primarily for employer-sponsored retirement plan sponsors and their participants, as well as select IRA and retail brokerage clients. The firm delivers integrated services connected to Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and annual rebalancing within plan lineups approved by plan sponsors.

Peter Hoglund is a CFP® with 13 years of industry experience, currently serving as a financial advisor at Wealth Enhancement Advisory Services, LLC since 2019. Prior to this, he worked at AEPG Wealth Strategies from 2010 to 2019. His other business activities include involvement with Wealth Enhancement Group’s non-variable insurance operations. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving individuals, trusts, charitable organizations, corporations, and retirement plans through a large network of advisors. The firm’s investment approach combines strategic asset allocation with both passive and active management, supported by an internal Investment Committee and a range of specialized programs.

Matthew Monahan is a financial advisor with GWN Securities Inc. in Basking Ridge, NJ. He holds Series 63 and Series 65 credentials and has seven years of industry experience. Prior to joining GWN Securities in 2019, he worked at Northwestern Mutual Investment Services LLC and Northwestern Mutual Life Insurance Company. Outside of his advisory role, he assists clients with final expense planning to provide liquidity for estate-related costs. 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 offers a range of managed-account programs, including SMA, UMA, and fund-strategist options, supporting both traditional and active investment approaches.

Nah'rya Walker Pierson is a financial advisor with Empower Advisory Group, holding Series 63 and Series 66 credentials and seven years of industry experience. Her prior work includes roles at GWFS Equities, Inc., Prudential Investment Management Services LLC, The Prudential Insurance Company of America, and Merrill. Outside of her advisory work, she owns Blissful Harmony Doula Services, providing birthing support, and volunteers as a play group leader with Triangle Area Parenting Support. Empower Advisory Group delivers financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and retail brokerage clients. The firm emphasizes long-term portfolio returns and integrates its services with Empower’s recordkeeping and administrative platforms.

Jennifer Bell is a financial advisor at &Partners with 26 years of industry experience. She holds the Series 66 designation and has previously worked at Wells Fargo Clearing Services LLC and Merrill Lynch, Pierce, Fenner & Smith, Inc. &Partners serves a diverse client base including high-net-worth individuals, retirement plans, charitable organizations, and private businesses. The firm offers investment management, financial and tax planning, and retirement plan consulting, utilizing a combination of fundamental, technical, and quantitative analysis through both proprietary and third-party strategies.

Emil Defeo is a financial advisor at PNC Wealth Management with 40 years of industry experience. He holds the ChFC® designation along with Series 63 and 65 licenses, and has been with PNC investments since 2007. PNC Wealth Management offers retail brokerage and advisory services through several model-based programs, including an invitation-only digital discretionary account pilot aimed at employees. The firm uses algorithmic risk assessments and delegates portfolio implementation to third-party strategists, focusing on investments primarily in mutual funds and ETFs with annual rebalancing.

Randolph Warren is a financial advisor with GWN Securities Inc. based in Bridgewater, NJ, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. His prior roles include positions at Vanderbilt Securities, Gitterman Wealth Management, and Triad Advisors. He also maintains a life insurance agent role focused on client needs and solutions. GWN Securities provides investment advisory and related services to individual and corporate clients through various managed account programs, financial planning, and third-party manager introductions. The firm employs a combination of affiliated and unaffiliated sub-advisers and uses model-based allocations incorporating asset allocation and Modern Portfolio Theory, with distinctive use of market-timing and momentum-based strategies in select legacy programs.

Daniel Colluccio is a Series 66-credentialed financial advisor with 19 years of industry experience. He is currently with Schwab Wealth Advisory Inc. and has previously worked at firms including Charles Schwab & Co., Wilmington Trust, M&T Securities, BlackRock Fund Advisors, and Merrill. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice, financial planning, and point-in-time wealth management consultations based on Charles Schwab’s asset-allocation models and internal research tools.

Dustin Rudman is a CFP® with 22 years of industry experience, currently affiliated with GWN Securities Inc. since 2018. He previously worked at Mass Mutual Investors Services and MetLife Securities. Outside of his advisory role, he serves as a board member of the Rolling Acres Home Owners Association and is involved in managing fixed annuity and insurance products through Schockproof Insurance LLC. 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 offers a range of managed-account programs and investment strategies, including legacy market-timing and momentum-based approaches.

Nicolas Chaparro is a Financial Advisor at Merrill Lynch Wealth Management. In this role, he provides clients with financial advice and services tailored to their individual needs. Nicolas holds a Bachelor's Degree from West Virginia University. Further details about his experience, expertise, or personal interests are not provided.

Christopher Ibrahim is a CFP® professional with 10 years of industry experience, currently serving as a financial advisor at Steward Partners Investment Advisory, LLC. He has previously worked at Raymond James Financial Services and Janney Montgomery Scott. Ibrahim is also associated with Ibrahim Wealth Advisory Group, where he contributes significant time as a financial advisor. Steward Partners Investment Advisory, LLC is an SEC-registered enterprise-scale RIA managing approximately $36.7 billion in regulatory assets. The firm provides financial planning and investment advisory services to individuals, pension plans, corporations, trusts, estates, and charitable organizations, offering both discretionary and non-discretionary portfolio management through a variety of proprietary and third-party solutions.

Paul Holman is a financial advisor with over 13 years of industry experience, currently affiliated with Wealth Enhancement Advisory Services, LLC. He holds Series 66 and Series 63 credentials and has worked at firms including LPL Financial and First Republic Investment Management. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting to individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and employs a diversified, risk-class based investment approach using both passive and active managers, supported by an internal Investment Committee.