Theodore Zak is a CFP® professional with 34 years of industry experience, currently serving at &Partners since 2024. He previously worked at Wells Fargo Advisors and Wells Fargo Clearing from 2009 to 2024. Outside of his advisory role, Zak volunteers as a teacher of investing principles at the University of Delaware Osher Academy, teaches continuing education courses for CPAs, serves on an advisory board for Surgent Professional Education, and holds leadership and board positions with the Rotary Club of Longwood Foundation and the Andrew McDonough B+ Foundation. &Partners serves a diverse client base, including high-net-worth individuals, retirement plans, charitable organizations, and corporations, offering investment management, financial and tax planning, and retirement consulting. The firm employs a mix of fundamental, technical, and quantitative strategies, with investment management available on both discretionary and non-discretionary bases.

Colin Cissne is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 65 designations and bringing 17 years of industry experience. He previously worked at Janney Montgomery Scott before joining Private Advisor Group and LPL Financial in 2016. Private Advisor Group, LLC is an SEC-registered advisory firm managing over $41 billion across more than 135,000 client relationships, serving individuals, trusts, estates, charitable organizations, and corporate and retirement plan clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, retirement plan consulting, and access to third-party asset management programs and separately managed account strategies.

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 with PNC Wealth Management holding Series 63 and Series 66 licenses and 11 years of industry experience. His prior roles include positions at Wells Fargo Clearing, WELLS FARGO Advisors, LLC, and Wells Fargo Bank NA. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including the Portfolio Solutions Strategist Digital Offering, an invitation-only, online discretionary model account that uses algorithmic risk assessments and implements investments via approved model strategies with mutual funds and ETFs.

Devon Daniels is a financial advisor at Creative Planning with 25 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining Creative Planning in 2023, he was with Daniels + Tansey, LLP for 16 years. Outside of his advisory role, he serves as president of Daniels & Daniels, Inc., an insurance brokerage. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm employs a financial planning-led investment process with a focus on low-cost indexing and buy-and-hold strategies, supported by a broad team and integrated investment infrastructure.

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. He holds Series 63 and Series 65 designations and has 13 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors, LLC. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including the Portfolio Solutions Strategist Digital Offering, an invitation-only online discretionary account that uses algorithm-driven risk assessment and invests in approved model strategies via mutual funds and ETFs.

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.

William Masten is a financial advisor at SPC with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at SPC since 2017. Prior to SPC, he was with Investment Center of America and has a longstanding role at Pennsville National Bank, where he serves as Chairman and President of Penn Bancshares, Inc. He is also a member of the Pennsville Sewerage Authority. SPC serves a diverse client base including individuals, charitable organizations, corporations, and retirement plans, managing approximately $5.66 billion in assets. The firm offers portfolio management, financial planning, and ERISA-related retirement services, with a service model that includes discretionary and nondiscretionary management options and a corporate structure integrating affiliated broker-dealers and insurance agencies.

John Ferullo is a financial advisor with GWN Securities Inc. in West Chester, PA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. His prior roles include long tenures at Nationwide Advisory Services, Nationwide Securities, and Nationwide Insurance. Outside of advising, he is the principal of Ferullo Insurance Agencies LLC and is involved in forming an LLC for future investments in real estate or startups; he is also a member of the Union League of Philadelphia’s investment club. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients with discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios. The firm supports a wide range of investment programs, including legacy market-timing and momentum strategies, and operates through a large network of approximately 423 advisors managing over $3.6 billion.

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 bringing 31 years of industry experience. He has worked at Financial Advisors of Delaware Valley since 2008 and has been affiliated with Principal Life Insurance Company and Principal Securities Inc. since 2002. Outside of his advisory role, he prepares tax returns for family and friends at no charge. 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 plan consulting, and access to third-party money manager solutions through 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.

George Reilly is a CFP® professional with 12 years of experience in financial advisory. He currently works at Kestra Advisory Services, LLC and has held prior roles at Dunlap Bennett & Ludwig, PLLC, Safe Harbor Tax Services, LLC, Zeiders Enterprises, Reilly Law, PLC, and Safe Harbor Financial Advisors, LLC. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a broad mix of institutional and individual clients, offering services including fiduciary consulting, plan design, compliance testing, and employee education. The firm manages approximately $79.8 billion in assets and serves large institutional investors, including sovereign wealth funds, through a range of management platforms and third-party solutions.

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 experience in the financial services industry. She is currently with Private Advisor Group, LLC and has previously worked at LPL Financial, LLC. Outside of her advisory role, she is involved in creating commissionable links for lifestyle and clothing products through Rewardstyle and serves as a minority inspector of election for the Township of Ridley. Private Advisor Group, LLC is an SEC-registered advisory firm managing over $41 billion across more than 135,000 client relationships. The firm serves individuals, trusts, estates, charitable organizations, and corporate and retirement plan clients, offering portfolio management, financial planning, and access to third-party asset management programs.

Dennis Wallace is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Private Advisor Group since 2012 and also has a long tenure with LPL Financial dating back to 2006. Private Advisor Group, LLC is an SEC-registered advisory firm managing over $41 billion across more than 135,000 client relationships. The firm serves a diverse client base including individuals, trusts, estates, charitable organizations, and retirement plans, offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party asset management programs.