Jerome Goldberg is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. He has been affiliated with both Penn Mutual and Hornor, Townsend & Kent since 2002. Goldberg is also involved in multiple life insurance brokerage ventures, including Primary Financial and Goldberg Financial Associates, where he focuses on life insurance and annuities sales. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a broad advisory platform that includes financial planning and retirement consulting. The firm offers a range of advisory programs alongside broker-dealer services, featuring discretionary and non-discretionary account options and managing substantial assets under management.

Patrick Housen is a CFP® and holds a Series 65 license with 14 years of industry experience. He has worked at Mariner Wealth Advisors, Lincoln Investment, and Capital Analysts Incorporated. Outside of advising, he owns an LLC that invests in a franchise store. Mariner serves a diverse range of clients including individuals, pension plans, and charitable organizations, offering investment management, financial planning, retirement consulting, and coordinated tax services. The firm combines in-house research with third-party managers, provides customized discretionary portfolios, and integrates tax and accounting services uncommon for enterprises of its size.

John Ransom is a financial advisor with Guardian Life and holds the ChFC® and Series 63 designations, with 39 years of industry experience. He has worked at Guardian Life Insurance and Park Avenue Securities since 2016 and previously spent over two decades at International Planning Alliance, LLC. Outside of Guardian, he is involved in other insurance activities. Guardian Life’s subsidiary, Park Avenue Securities LLC, offers brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm provides a combination of advisor-led discretionary management, model-based strategies, and digital advisory solutions tailored to client needs.

Jonathan Bernstein is a CFP® and PFS™ with 24 years of industry experience. He is a financial advisor at Wealthspire Advisors and has previously worked at Purshe Kaplan Sterling Investments and co-owns Bernstein & Bernstein CPA's LLP, where he provides accounting and tax services. Bernstein also advises clients on life insurance as a producer outside of his advisory role. Wealthspire Advisors is an SEC-registered investment adviser serving individuals, high-net-worth clients, corporate and pension plans, nonprofits, and foundations. The firm employs an institutional-style asset allocation strategy using mutual funds, ETFs, private investments, and outside managers, with an active approach to client service and investment oversight.

Tyler Cicero is a financial advisor with Guardian Life and holds a Series 66 designation. He has one year of industry experience and previously worked at Target and Wegmans before joining Guardian Life and its subsidiary Park Avenue Securities. Park Avenue Securities LLC, a wholly owned subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a range of financial planning and consulting services, combining advisor-led discretionary management with model-based strategies delivered through proprietary and third-party platforms.

Gregory Kuras is a financial advisor with Osaic Advisory Services, LLC, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. He previously worked at American Portfolio's Financial Services for 19 years and Froehlich Financial Group Ltd. for three years. In addition to his advisory role, he is president and part-owner of New Jersey Senior Tax Advisors, a business involved in tax advice and Medicare insurance services. Osaic Advisory Services is an SEC-registered enterprise firm serving a diverse client base, including individuals, pension plans, corporate and charitable entities, and sovereign wealth funds. The firm employs various investment strategies and offers a range of managed programs and consulting services, supported by platform relationships and affiliated managers.

Michael Fish is a financial advisor at Kestra Advisory with 18 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Dynasty Advisors LLC Wealth Management and Commonwealth Financial Network for nine years. Outside of his advisory role, he is involved in coaching ice hockey. Kestra Advisory Services provides investment advisory and retirement plan consulting to plan sponsors and a diverse range of institutional and individual clients, offering services such as fiduciary consulting, plan-level investment advice, and employee education. The firm serves large institutional investors, including sovereign wealth funds, and supports a variety of management platforms and third-party solutions.

Richard Dworzak is a CFP® with 27 years of industry experience, currently advising at Benjamin F. Edwards & Company, Inc. since 2017. His prior experience includes roles at Bank of America and Merrill Lynch, among others. Outside of his advisory work, he serves as a power of attorney for his son's IRA. Benjamin F. Edwards & Company is a broker-dealer and SEC-registered investment adviser serving individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate clients through more than 500 advisors. The firm offers a range of advisory and brokerage services, including managed solutions that blend proprietary strategies with third-party models, supported by an internal trading desk and custody services.

Michael Mcclelland is a financial advisor with Hornor, Townsend & Kent, LLC who holds a Series 66 credential and has 11 years of industry experience. He has been associated with Penn Mutual Life Insurance Company and Hornor Townsend & Kent since 2014. Outside of his advisory role, Michael is involved in several insurance brokerage ventures and acts as a background actor for TV and movies. Hornor, Townsend & Kent serves individuals, trusts, businesses, charities, and retirement plans by providing advisory programs, financial planning, and retirement plan consulting. The firm operates as both an SEC-registered adviser and a FINRA-member broker-dealer, offering a range of discretionary and non-discretionary portfolio management options supported by third-party asset managers.

Steven Horvath is a financial advisor at Equity Services, Inc. with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Hornor Townsend and Kent, Inc., and Penn Mutual Life Insurance Company. Horvath is also the founder of Protection USA, a firm engaged in the sale and servicing of fixed insurance products. Equity Services, Inc., doing business as ESI Financial Advisors, provides financial planning, consulting, and asset management to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms, frequently utilizes third-party asset managers and model portfolios, and combines long-term strategies with options for shorter-term trading and specialized instruments.

Dominic Carter is a financial advisor with NewEdge Advisors holding Series 63 and Series 65 licenses and has two years of industry experience. His prior work includes positions at LPL Financial LLC and Equitable Advisors, LLC. Outside of finance, he is involved with Friends Cafe in New Brunswick, NJ. NewEdge Advisors is an enterprise-scale registered investment adviser serving individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations. The firm offers a broad range of services including portfolio management, financial planning, retirement plan consulting, and access to third-party managers through multiple program structures combining in-house manager selection and third-party strategies.

Rachel Vergari is a financial advisor with Eagle Strategies (NY Life) and holds a Series 63 designation. She has 24 years of industry experience, including roles at New York Life Insurance Co. and John Hancock. Vergari is also a board member of the DreamCatchers Youth Foundation, an organization supporting children with life-threatening illnesses. Eagle Strategies serves a diverse client base including individual investors and institutional plan sponsors, offering financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and manages the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Nicholas Pontilena is a Certified Financial Planner® with 24 years of industry experience, currently practicing at Equity Services, Inc. since 2013. He is also affiliated with National Life Group and serves as an instructor teaching continuing education courses to insurance and SEC-licensed professionals. Pontilena is a member of the advisory board for the Stillman School of Business at Seton Hall University. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management to individuals, corporations, trusts, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms that combine long-term strategies with options for shorter-term trading, utilizing third-party asset managers and model portfolios.

Sean Obrien is an investment advisor representative with Kestra Advisory, holding Series 63 and Series 65 credentials and 33 years of industry experience. He has been with Kestra Advisory Services, LLC since 2016 and is the founder of O'Brien Wealth Management, LLC, which provides investment advisory services through Kestra. He serves on the endowment committee at Christian Brothers Academy, overseeing the management of their endowment fund. Kestra Advisory Services offers investment advisory and retirement-plan consulting to a diverse client base including institutional and individual investors. The firm provides fiduciary consulting, plan-level investment advice, and access to multiple management platforms while serving clients such as large institutional investors and sovereign wealth funds.

Robert Bennett Jr. is a financial advisor with Janney Montgomery Scott who holds Series 63 and Series 66 designations and has 38 years of industry experience. He has been with Janney Montgomery Scott since 1990. 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, estates, corporate and retirement plan sponsors, and municipalities, offering brokerage services, financial planning, and multiple advisory programs.

James Muro is a CFP® and ChFC® with 34 years of industry experience. He is affiliated with Equity Services, Inc. and National Life Group, where he has worked since 2013. Muro is involved with The Objective Room, a website used for marketing purposes that offers financial services, literacy, and education. Equity Services, Inc., doing business as ESI Financial Advisors, provides financial planning, consulting, and asset management to a diverse clientele including individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm uses multiple advisory platforms and third-party asset managers to offer both long-term strategies and specialized investment options.

Christopher Paglia is a CFP® professional with 33 years of experience in the financial services industry. He is currently with Sanctuary Advisors, LLC and has held prior positions at Sanctuary Securities, Wells Fargo Clearing, Morgan Stanley, and Citigroup Global Markets. Sanctuary Advisors, LLC serves a diverse client base including individuals, corporations, pension and profit-sharing plans, and charitable organizations through a network of over 400 independent investment adviser representatives. The firm offers portfolio management, financial planning, and retirement plan consulting, employing a range of analytical approaches and acting as a fiduciary when advisory agreements are in place.

Joseph Scotti is a CFP® with 11 years of experience, currently serving at Equity Services, Inc. He has worked with National Life Group and Integrated Financial Concepts since 2015. Scotti is involved in educational initiatives related to pension and insurance topics, producing videos and providing guidance to professionals on retirement portfolios and pension planning. Equity Services, Inc., operating as ESI Financial Advisors, offers financial planning, consulting, and asset management services to a range of clients including individuals, corporations, trusts, and retirement plans. The firm utilizes multiple advisory platforms and third-party asset managers, combining long-term strategies with options for shorter-term trading and specialized instruments.

Matthew Moore is a financial advisor with Park Avenue Securities, a subsidiary of Guardian Life Insurance Company of America. He holds a Series 66 designation and has three years of industry experience. Prior to his current role, he has held positions at Bank of America, Merrill, and UBS Financial Services. He serves on the Board of Trustees for The Somerset County 200 Club. Park Avenue Securities provides brokerage and investment advisory services to individuals, corporations, retirement plan sponsors, and charitable organizations. The firm offers a range of financial planning and consulting services, combining advisor-led discretionary management with model-based strategies and access to proprietary and third-party platforms.

Zachary Zenda is a financial advisor with NewEdge Advisors, holding a Series 66 designation and 13 years of industry experience. He previously worked at Mass Mutual Investors Services and MassMutual Life Insurance Company for a decade before joining NewEdge Advisors and LPL Financial in 2023. Outside of his advisory roles, he is a co-owner of Emeritus Wealth, LLC, a business entity for tax and investment purposes. NewEdge Advisors is an enterprise-scale registered investment adviser serving individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations through a network of independent investment adviser representatives. The firm offers a broad range of portfolio management and consulting services, supported by centralized due diligence, technology tools, and multiple program structures that integrate in-house and third-party manager strategies.