David Haase is a CFP® professional with 29 years of industry experience, currently serving as an advisor at GWN Securities Inc. since 2017. Prior to this, he worked at Legend Equities Corporation for 13 years. Outside of his advisory role, Haase serves as a council member of Faith Lutheran Church and is involved in business consulting. GWN Securities provides investment advisory and related services to individual and corporate clients through multiple managed account programs and financial planning solutions. The firm employs a combination of affiliated and unaffiliated sub‑advisers and incorporates both strategic and tactical portfolio approaches.

Monique Thacker is a financial advisor at Valic Financial Advisors with 29 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked for HSBC Bank USA N.A. for 11 years. Thacker is also involved with Mindful Departure LLC, operating as The Core Room. Valic Financial Advisors serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and wrap programs through a large network of advisors and employs a technology-driven approach utilizing unified managed accounts and model solutions.

Michael Melly is a financial advisor at Valic Financial Advisors with ChFC®, Series 65, and Series 63 credentials. He has held various roles in the financial services industry since 2020 and has experience with firms including Cetera and Mass Mutual Life Insurance Co. Outside of his advisory work, Melly has been involved with Celtic Shores Realty since 2010 and Sutton Place Occupational Therapy from 2010 to 2025. Valic Financial Advisors serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and consulting services, utilizing a technology-driven approach with discretionary managed accounts and overlay services.

Frank Deluca is a financial advisor with OSAIC Institutions, Inc., holding Series 65 and Series 63 credentials and 24 years of industry experience. His prior roles include positions at Financial Resources Federal Credit Union, CUSO Financial Services, L.P., Pruco Securities LLC, and Beacon Trust Company. He serves as trustee for the Deluca Family Trust, where he manages investment decisions and asset distributions. OSAIC Institutions, Inc. is an SEC-registered adviser serving individuals, retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments within a hybrid adviser/broker-dealer structure.

Nancy Vandergoot is a financial advisor with TD Private Client Wealth LLC, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. Her prior roles include positions at TIAA-CREF, JP Morgan Securities, and Merrill Lynch. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional, high-net-worth, and retail clients, utilizing both affiliated and third-party managers through a variety of portfolio solutions.

Henry Scalzo is a financial advisor at Commonwealth Financial Network with a Series 66 designation and one year of industry experience. His prior work history includes roles at Elevate Wealth Planning, Johnson & Wales University, and various other companies. 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 roughly $212.7 billion in client assets. The firm provides a broad adviser-support platform that includes discretionary and nondiscretionary managed-account programs, access to third-party asset managers, retirement and plan consulting, and custody/clearing services.

Gelber Castillo is a Series 66-licensed financial advisor with Valic Financial Advisors, based in Berkeley Heights, NJ, and has three years of industry experience. His prior roles include work at Agia and involvement with the Immigration and American Citizenship Organization. Castillo also serves as an agent for non-securities insurance products. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models to construct client portfolios.

Richard Whippee II is a financial advisor with Bankers Life Advisory Services, Inc., holding a Series 65 credential and eight years of industry experience. He has worked at Bankers Life Advisory Services since 2019 and has been with Bankers Life and Casualty since 1995, where he is also active as an insurance agent and branch sales manager. Bankers Life Advisory Services primarily serves mass-affluent and high-net-worth individuals with discretionary portfolio management, investment consulting, and retirement plan consulting. The firm uses a combination of fundamental, technical, and cyclical analysis to develop tailored asset allocations and ongoing portfolio management aligned with clients’ goals and risk tolerances.

Christopher Tarnowski is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 65 and Series 63 licenses and having seven years of industry experience. He has been with Hornor, Townsend & Kent and Penn Mutual Life Insurance Company since 2019. Outside of advising, Tarnowski is the owner and president of WT Music & Son LLC, a company specializing in the rental, sale, and repair of brass, woodwind, and stringed instruments. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory programs, financial planning, and retirement plan consulting through a network of advisers. The firm provides both advisory and broker-dealer services, including custody and execution, with a platform that incorporates third-party asset manager relationships and a combination of discretionary and non-discretionary account options.

Michael De Paola is a financial advisor with GWN Securities Inc. in Bridgewater, NJ, holding Series 65 and Series 66 credentials and five years of industry experience. His prior experience includes roles at Cetera Wealth Services and Mid Atlantic Resource Group. In addition to his advisory work, he serves as an independent agent placing life, disability, and long-term care insurance products through Crump Life Insurance Services. GWN Securities provides investment advisory and related services to individual and corporate clients through multiple managed account programs and financial planning offerings. The firm utilizes a blend of affiliated and unaffiliated sub-advisers and employs both asset allocation principles and market-timing strategies in its portfolio management.

Robert Schmidt is a financial advisor with \u0026Partners, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Citigroup Global Markets. \u0026Partners serves a diverse client base that includes high-net-worth individuals, institutions, retirement plans, and charitable organizations. The firm offers a range of investment management and financial planning services through both discretionary and non-discretionary approaches, utilizing a combination of fundamental, technical, and quantitative analysis.

Perry Koplik is a financial advisor at Kestra Advisory with 40 years of industry experience and holds a Series 63 designation. His career includes roles at PF Compass, Commonwealth Financial Network, Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, Metlife Securities, and New England Securities. Koplik is co-owner of PF Compass, LLC, a group benefits firm. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients. The firm offers services including fiduciary consulting, plan-level investment advice, and pooled plan solutions, serving a client base that includes large institutional investors such as sovereign wealth funds.

Jared Brown is a financial advisor with GWN Securities Inc. in Bridgewater, NJ, holding Series 63 and Series 65 licenses and bringing 22 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, he is an independent insurance agent and a sales broker for Creative Risk Management. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients through a large network of advisors. The firm offers discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios, with a distinctive legacy use of market-timing and momentum-based investment strategies.

David Cerchio is a financial advisor with Guardian Life in Somerville, NJ, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. He has been with Guardian Life since 2007 and previously worked at International Planning Alliance, LLC. Outside of his advisory role, he serves on the board of the Middletown South Alumni Organization. Guardian Life’s subsidiary, Park Avenue® Wealth Management, offers brokerage and investment advisory services to individuals, retirement plan sponsors, and charitable organizations, combining advisor-led discretionary management with model-based strategies through proprietary and third-party platforms.

Daniel Mulligan is a financial advisor with Kestra Advisory Services, holding Series 63 and Series 66 licenses and seven years of industry experience. His prior roles include positions at Commonwealth Financial Network, Preferred Financial Partners, Hightower, Bank of America, Merrill, and Hennion & Walsh. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a diverse range of institutional and individual clients. The firm offers services such as fiduciary consulting, plan design, employee education, and access to multiple management platforms, serving clients including large institutional investors and sovereign wealth funds.

Robert Defina is a financial advisor with TD Private Client Wealth LLC, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. His career includes roles at Wells Fargo Clearing, Wells Fargo Bank, and PNC Investments, among others. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth individuals, and retail clients, utilizing a combination of strategic and tactical asset allocation with investments from both affiliated and third-party sub-managers.

Kenneth Orenstein is a financial advisor at Brookstone Capital Management LLC with six years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Bedrock Investment Advisors and operates Brokerage Consulting, where he advises business owners and federal employees on group health, Medicare benefits, and employee retirement plans. Brookstone Capital Management is an SEC-registered adviser that provides fee-based asset management and financial planning through a turnkey asset management platform and wrap-fee programs. The firm serves a diverse client base including individuals, retirement plans, corporations, charitable organizations, other registered investment advisers, sovereign wealth funds, and banking institutions.

Chris Schiffer is a CFP® with 20 years of industry experience, currently serving as a financial advisor at Wealth Enhancement Advisory Services, LLC since 2019. His prior experience includes six years at AEPG Wealth Strategies. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm offers financial planning, asset management, and specialized retirement plan consulting, utilizing a strategic investment process that combines passive and active management guided by an internal Investment Committee.

Elizabeth Espinal is a financial advisor at TIAA-CREF with 24 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at LPL Financial, LLC and Santander Securities, LLC. She is based in Princeton, NJ. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing TIAA-administered employer retirement plan relationships. The firm provides discretionary management through model portfolios and customized solutions, applying a fiduciary standard within a vertically integrated structure that includes affiliated funds.

Morgan Castner is a CFP® professional with 16 years of industry experience. He has worked at \u0026PARTNERS since 2026 and previously spent 10 years with Wells Fargo Clearing. \u0026PARTNERS serves a diverse client base, including high-net-worth individuals, institutions, and charitable organizations. The firm provides a range of investment management and financial planning services, utilizing a mix of analytical approaches and offering both discretionary and non-discretionary account management.