Jon Walton is a CFP® professional with 42 years of industry experience, currently affiliated with Commonwealth Financial Network since 2008. He is also the founding partner and CEO of Independence Wealth Advisors, Inc., a role he has held since 2007. Outside of his advisory work, he is involved in car collecting and trading as a sole proprietor. Commonwealth Financial Network serves a national network of nearly 3,000 advisors and their clients, providing a range of advisory programs and support services including wealth management and retirement plan consulting. The firm offers its advisors access to diverse investment products and discretionary model portfolios managed by its in-house Investment Management and Research team.

Carolyn Humphrey is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. She has been with Hornor Townsend And Kent, Inc since 2006. Humphrey serves on the American College Alumni Advisory Board, where she participates in board meetings and provides philanthropic support. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans by offering advisory programs, financial planning, and retirement plan consulting. The firm operates both advisory and broker-dealer services, providing a range of custody, execution, and brokerage capabilities alongside investment advice.

Michael Bertotti is a financial advisor at PNC Wealth Management with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Wells Fargo Clearing and Wells Fargo Bank NA. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a selective digital platform that utilizes algorithmic risk assessment and delegates portfolio management to approved strategists and third parties.

Ryan Zemke is a CFP® with eight years of industry experience, currently with Janney Montgomery Scott in Wilmington, DE. He has worked at Janney since 2018 and also held positions at Bank of America, Merrill, and Grant Thornton LLP. Outside of advisory work, he volunteers as an educational presenter on investment, tax, and retirement planning topics for The Money School in Greenville, DE, and is a member of the Penn State University Alumni Association, Chester County Chapter. 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, estates, and institutional clients, offering brokerage services, financial planning, and advisory programs with a combination of in-house and third-party asset management.

Daniel Kearns is a financial advisor with PNC Wealth Management in Wilmington, DE, holding Series 63 and Series 65 licenses with 13 years of industry experience. He has worked at PNC Investments since 2020 and previously held positions at Wells Fargo Clearing and Wells Fargo Bank NA. PNC Wealth Management offers retail brokerage and advisory services through several model-based programs, including an invitation-only digital portfolio solution that uses algorithmic questionnaires to recommend risk bands and implements investments via approved model strategies managed by PNC or third-party strategists.

Steven Cooper is a Certified Financial Planner (CFP®) with 27 years of industry experience. He is currently with Janney Montgomery Scott and has previous experience at Bank of America and Merrill. Cooper has been with Janney since 2019. 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, offering brokerage, financial planning, consulting, and advisory programs, and integrates both in-house and third-party portfolio management.

William Williamson is a financial advisor at Citigroup Global Markets with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Citigroup since 2015. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies and is notable for its large institutional scale and unique market roles, including in-house research and derivatives services.

Ryan Burns is a financial advisor with Janney Montgomery Scott, holding a Series 66 designation and 11 years of industry experience. He has been with Janney Montgomery Scott since 2014. 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, corporate and retirement plan sponsors, and municipal clients, offering brokerage services, financial planning, consulting, and various advisory programs.

Nicholas Frake is a financial advisor with Commonwealth Financial Network and co-owner of Haven Private Wealth LLC. He holds Series 63 and Series 66 licenses and has 22 years of industry experience. His career includes roles at WSFS Bank from 2007 to 2025 and Commonwealth Financial Network since 2015. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing advisory programs, wealth management, and retirement plan consulting. The firm supports its advisors with operations, trading, technology, investment management, compliance, and practice management services.

Richard Suermann is a financial advisor with Principal Financial Services in Wilmington, DE, holding Series 63 and Series 65 licenses and with 32 years of industry experience. He has worked at Financial Advisors Of Delaware Valley since 2008 and at Principal Life Insurance Company and Principal Securities Inc. since 2002. Outside of his advisory role, he provides tax preparation services to family and friends on a volunteer basis. Principal Securities offers brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty U.S. military personnel overseas. The firm’s advisory services include direct advisory programs, financial planning, retirement plan consulting, and access to third-party money managers under various advisory and promoter arrangements.

Jody Boyer is a CFP® with three years of industry experience, currently serving as a financial advisor at Janney Montgomery Scott in Wilmington, DE. Prior to joining Janney, Boyer held roles at Financial Growth Partners and has diverse experience including work in the hospitality and construction sectors as well as at Big Oyster Brewery. 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 broad range of clients, including individuals, families, trusts, corporate and retirement plan sponsors, and municipal clients, offering brokerage, financial planning, consulting, and advisory services through in-house and third-party portfolio management.

William Gallagher is a financial advisor at Commonwealth Financial Network with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at WSFS Bank. Gallagher also engages in fixed insurance sales as a secondary business activity. Commonwealth Financial Network serves a national network of approximately 2,950 advisors, providing advisory programs, wealth management, and retirement plan consulting. The firm supports its advisors with operations, trading, technology, investment management, compliance, and practice-management services.

Vesnaann Tucker is a CFP® professional with six years of industry experience, currently affiliated with Private Advisor Group, LLC. She has previously worked with LPL Financial, LLC, and has a background that includes roles outside of finance, such as participating in the hospitality and home care sectors. Additionally, she is involved in a non-investment related side activity creating commissionable lifestyle content for Rewardstyle. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering portfolio management, financial planning, and retirement plan consulting. The firm employs a fiduciary-based advisory model utilizing multiple investment strategies and technology platforms while providing access to proprietary and third-party managed account solutions.

Dennis Wallace is a financial advisor with Private Advisor Group, LLC who holds Series 63 and Series 65 credentials and has 39 years of industry experience. He has been with Private Advisor Group since 2012 and has worked at LPL Financial since 2006. Wallace also has experience at Eagle Strategies, where he worked from 1998 to 2006. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by providing portfolio management, financial planning, retirement plan consulting, and access to various advisory programs. The firm employs a fiduciary-based advisory model and uses multiple strategies and third-party managers to tailor investment solutions.

Danielle Fava is a financial advisor at Carson Wealth with a Series 65 credential and three years of industry experience. Her prior roles include positions at Envestnet Embedded Advisory, Envestnet, and TD Ameritrade. Outside of her advisory work, she serves as a board member and investor in several businesses, including Language Consulting Worldwide, which provides culture and bias training solutions, and holds board roles in marketing and fintech ventures. CWM, LLC is an SEC-registered investment adviser managing approximately $50.6 billion through a network of over 650 advisors. The firm offers discretionary asset management, financial planning, and retirement plan services, utilizing an Investment Committee to construct and monitor model portfolios and providing tailored solutions including custom indexing and alternative investments.

David Dively is a financial advisor with Truist Advisory Services and holds a Series 66 designation. He has 23 years of industry experience, including roles at Truist Investment Services, Bb&T Securities, and BBTIS. Truist Advisory Services provides investment consulting and advisory services to individuals, corporations, retirement plan sponsors, and charitable organizations. The firm uses a combination of discretionary manager relationships and non-discretionary consulting, supported by third-party platforms and AI-enabled research tools.

Scott Tapper is a financial advisor with Private Advisor Group, LLC and holds Series 63 and Series 65 licenses. He has 32 years of industry experience, including over 24 years with LPL Financial and 12 years with Private Advisor Group. Tapper is involved in offering group benefits and qualified retirement plans through a financial planning association. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by providing discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm utilizes a fiduciary-based advisory model and offers a range of managed account solutions, including proprietary and third-party platforms.

Kenneth Vance is a financial advisor with Commonwealth Financial Network based in Kennett Square, PA. He holds Series 63 and Series 66 licenses and has nine years of industry experience. His prior work includes roles at Retirement Capital Advisors, Pacer Advisors, and Columbia Management Investment Distributors. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, providing a range of advisory programs and services with a focus on operations, technology, investment management, and practice-management support.

Kelly Mecca is a CFP® professional with 10 years of industry experience, currently serving at Private Advisor Group, LLC and LPL Financial since 2020. Prior to this, Mecca worked at Merrill from 2014 to 2020. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering a range of portfolio management and financial planning services. The firm employs a fiduciary-based advisory model and utilizes various technology platforms and third-party managers to implement investment strategies.

Heidi Jones is a financial advisor at Janney Montgomery Scott with 21 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Janney Montgomery Scott in various capacities since 2016. Outside of her advisory role, she serves as a board member and volunteer shepherd at Greenbank Mill and Phillips Farm in Wilmington, Delaware. 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 wide range of clients, including individuals, families, trusts, estates, and institutional sponsors, offering brokerage services, financial planning, and multiple advisory programs.