John Ransom is a financial advisor with Guardian Life and holds the ChFC® and Series 63 designations. He has 39 years of industry experience, including over two decades with International Planning Alliance, LLC, and multiple engagements with Guardian Life and Park Avenue Securities. In addition to his advisory role, he is involved in other insurance activities outside of Guardian. Park Avenue Securities LLC, doing business as Park Avenue® Wealth Management, is a dually registered broker-dealer and SEC-registered investment adviser affiliated with The Guardian Life Insurance Company of America. The firm serves individuals, pension and profit-sharing plans, charitable organizations, and corporate clients with brokerage services, financial planning, and investment advisory programs.

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.

Michael Vitkansas is a financial advisor at Kestra Advisory with 40 years of industry experience. He holds the ChFC® designation and Series 63 and Series 65 licenses. In addition to his advisory role since 2016, he has been president of multiple businesses focused on employee benefit services and retirement income strategies since the mid-1980s. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors, institutional, and individual clients. The firm offers services including fiduciary consulting, plan design, and employee education, and serves a broad client base that includes large institutional investors such as sovereign wealth funds.

Kathleen Reilly is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and nine years of industry experience. She has worked at Commonwealth Financial Network since 2021 and has prior experience with MML Investors Services and Mass Mutual Life Insurance Company. Reilly is also co-owner of Reilly Financial Group, LLC. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing over $212 billion in client assets. The firm provides a broad range of managed-account programs, access to third-party asset managers, and comprehensive back-office support services.

Tyler Cicero is a financial advisor with Park Avenue Securities, a subsidiary of Guardian Life. He holds a Series 66 designation and has one year of industry experience. His prior work includes roles at Guardian Life Insurance Company, International Planning Alliance, Target, and Wegmans. Park Avenue Securities LLC provides brokerage services, financial planning, and retirement plan consulting to individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm uses a combination of proprietary and third-party investment advisory programs and offers both discretionary and non-discretionary advisory relationships.

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® professional with 27 years of industry experience. He is currently an advisor at Benjamin F. Edwards & Company, Inc., where he has worked since 2017. Prior to that, he held positions at Bank of America, N.A., and Merrill Lynch, Pierce, Fenner and Smith Incorporated. Benjamin F. Edwards & Company, Inc. serves a diverse client base, including individuals, pension plans, charitable organizations, and corporations, offering comprehensive financial planning and investment management services through a range of discretionary and non-discretionary wrap programs. The firm supports several hundred advisors and manages tens of billions in assets, utilizing various actively and passively managed strategies monitored by an Investment Strategy Committee.

Meizhen Chen is a financial advisor at Transamerica Financial Advisors with 20 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Transamerica Financial Advisors since 2012. Chen also has experience with Century 200 Group, LLC and World Financial Group, Inc. In addition to her advisory role, she serves as a Medicare sales agent with Spark Insurance Services, helping clients select suitable Medicare plans. Transamerica Financial Advisors serves a diverse client base including individuals, pension plans, trusts, and corporations, offering both advisory and broker-dealer services. The firm employs a combination of proprietary and third-party model portfolios and manages approximately $2.1 billion in assets under management as of December 2025.

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 the Series 63 designation. She has 23 years of industry experience, including roles with New York Life Insurance Co. and John Hancock. Outside of her advisory work, she serves as a board member for the DreamCatchers Youth Foundation Inc., which supports children with life-threatening illnesses. Eagle Strategies serves a broad mix of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated representatives. The firm emphasizes tailored recommendations and manages a significant portion of assets on a non-discretionary basis, particularly in connection with insurance and annuity products.

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.

Philip Prasad is a financial advisor at SPC with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with SPC since 2006. His prior work includes roles at Sigma Financial Corporation and Banc Of America Investment Services, Inc. He also maintains various insurance appointments through multiple companies. SPC serves individual clients, charitable organizations, corporations, and employer-sponsored retirement plans through a network of over 460 advisors managing approximately $5.66 billion in assets. The firm offers portfolio management, financial planning, and ERISA-related retirement plan services, delivering both discretionary and nondiscretionary management tailored to client needs.

John Palmeri is a financial advisor with Primerica Advisors, holding a Series 63 designation and bringing 11 years of industry experience. He has worked at Park Avenue Securities, Guardian Life Insurance, Mass Mutual Investors Services, and MetLife Securities. Outside of his advisory role, Palmeri owns MJJ Billiards LLC, a pool hall, game room, and bar in Staten Island, NY. Park Avenue Securities serves a broad retail client base, including individual and high-net-worth investors, offering brokerage and advisory services alongside financial and retirement planning. The firm utilizes a combination of proprietary and third-party investment strategies and supports a range of account-level services and lending solutions.

Ka Lee is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at Transamerica Financial Advisors since 2012 and has prior experience with companies including Green Dragon Wood Products Co. and WFGIA. Outside of advisory work, he owns Apex Consulting Services, which engages in the import-export of goods. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, charitable organizations, and corporations. The firm offers both advisory and broker-dealer services, providing access to proprietary and third-party investment models with discretionary and non-discretionary options.

Diego Correa is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 65 and Series 63 credentials and bringing 18 years of industry experience. He has worked with Penn Mutual Life Insurance Co, MML Investors Services, and MassMutual, and he is also the proprietor of DAC Financial, an insurance brokerage specializing in multi-line insurance sales and service. Additionally, he provides financial planning focused on advising attorneys through a dedicated insurance brokerage channel. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory programs, financial planning, and retirement plan consulting. The firm operates both as an SEC-registered adviser and a FINRA-member broker-dealer, managing a multi-billion-dollar portfolio with a range of discretionary and non-discretionary investment options.

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.