Melanie Allen is a financial advisor with Principal Financial Services in Wilmington, DE, holding Series 63, 65, and 66 licenses and bringing 16 years of industry experience. Her prior roles include positions at Morgan Stanley and Capital One Advisors, with a ten-year period as a homemaker. She also writes outside insurance policies covering life, health, disability, long-term care, medical, dental, and annuities for both group and individual plans. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty military personnel. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Luke Cantwell is a financial advisor with TD Private Client Wealth LLC, holding Series 63 and Series 65 licenses and two years of industry experience. His prior experience includes roles at Mass Mutual Investors Services and MassMutual Life Insurance Company. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail investors. The firm employs a combination of strategic and tactical asset allocation utilizing both affiliated and third-party sub-managers and offers comprehensive portfolio management and financial planning support.

Evan Ratnow is a financial advisor at Citigroup Global Markets with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Citigroup since 2010. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and custody services. The firm implements multi-asset, multi-manager strategies through both discretionary and non-discretionary programs and maintains large institutional infrastructure, including in-house research and derivatives services.

Michael Creighton is a financial advisor with Equity Services, Inc. in Media, PA. He holds Series 63 and Series 65 licenses and has seven years of industry experience. Prior to joining Equity Services, he worked at Valley Forge Financial and M Holdings Securities, Inc. from 2019 to 2024, and at GMH Ventures from 2011 to 2019. Outside of his advisory role, he is a partner in CM Advisors LLC and involved with several other financial and insurance-related businesses. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm employs multiple advisory platforms and third-party asset managers, offering both discretionary and non-discretionary portfolio management.

Christopher O'Reilly is a Series 66-licensed financial advisor with 24 years of industry experience. He has been with Truist Advisory Services since 2022, having previously worked at Key Investment Services LLC for six years. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, investment policy analysis, fiduciary support, and a manager-selection program, implementing advice through a combination of discretionary and non-discretionary arrangements supported by third-party platforms.

Michael Porter is a financial advisor at Janney Montgomery Scott with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Janney Montgomery Scott across multiple periods since 2016. Outside of his advisory work, he owns and operates a farm where he raises cattle and shares crop responsibilities with a farmer. 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, and offers a range of brokerage, advisory, and financial planning services supported by in-house and third-party portfolio management.

Lauren Boyce is a CFP® professional with 17 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. She has previously worked at Vanguard, BNY Mellon, and Morgan Stanley. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services to clients in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, using proprietary asset-allocation models and internal research tools. The firm offers tailored recommendations with client authorization required for trades, focusing on a range of investment options including mutual funds, ETFs, and alternative investments.

Louis Himelreich is a CFP® and ChFC® with 22 years of experience in financial services. He is currently affiliated with Principal Financial Services and Andmore Wealth Partners LLC, a firm he co-founded to provide comprehensive financial planning and investment services. His prior experience includes roles at Financial Advisors of Delaware Valley, MetLife Securities, and Massachusetts Mutual Life Insurance Company. Outside of his advisory work, he serves as the Community Service Chair for the Rotary Club of Newark (Delaware). Principal Securities offers brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and corporate entities. The firm provides a variety of advisory programs, financial planning, and access to third-party money manager solutions, with investment implementation typically managed on a discretionary basis by those third-party managers.

Katherine Bear is a financial advisor at Janney Montgomery Scott with 21 years of industry experience. She holds a Series 66 designation and has worked at Janney since 2019, following prior roles at Bank of America and Merrill. 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 charitable and municipal organizations, offering brokerage, financial planning, consulting, and multiple advisory programs.

Bryce Bergey is a financial advisor with Principal Financial Services in Malvern, PA, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. He has been with Principal Securities Inc and Principal Life Insurance Company since 2015. In addition to his advisory role, Bergey serves as a bank/trust officer to support Principal’s retirement plan account relationships. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty military personnel. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions under both advisory and promoter arrangements.

Lawrence Richards is a CFP® with 33 years of industry experience, currently serving as a financial advisor at Janney Montgomery Scott. He has worked at Janney Montgomery Scott since 2012. 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, financial planning, consulting, and multiple advisory programs.

Jeremy Lambert is a financial advisor with Janney Montgomery Scott in Wilmington, DE, holding a Series 66 designation and 20 years of industry experience. He has spent the bulk of his career at Janney Montgomery Scott since 2016. Outside of his advisory role, he owns and manages a small real estate rental business on a limited basis. 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 clientele, including individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering a range of brokerage, financial planning, and advisory services.

Bruce Cumby is a financial advisor with Eagle Strategies (NY Life) based in Newtown Square, PA. He holds Series 63 and Series 65 licenses and has 42 years of industry experience. Cumby has been associated with New York Life and its affiliates since 1980 and operates Cumby, Spencer & Associates Financial Group and Exit Planning Strategies, focusing on brokering non-registered insurance products. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to a diverse client base that includes individuals, institutional investors, and plan sponsors. The firm offers multiple program types and emphasizes tailored recommendations, managing the majority of its assets on a non-discretionary basis within the integrated New York Life affiliate structure.

Raymond Ferry is a financial advisor at TD Private Client Wealth LLC with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Raymond James Financial Services Advisors Inc. and Christopher Financial Group. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail clients. The firm employs a combination of strategic and tactical asset allocation with investments from both affiliated and third-party sub-managers.

Jeremiah Keating is a financial advisor at Beacon Pointe Advisors, LLC with three years of industry experience. He holds a Series 66 designation and previously worked at Merrill and Bank of America. Beacon Pointe Advisors provides wealth advisory, consulting, financial planning, and outsourced chief investment officer services to individual investors, corporations, pension plans, and other institutional clients. The firm employs a mix of active and passive strategies across public and private asset classes, utilizing third-party independent managers selected through quantitative and qualitative due diligence.

Jill Steinberg is a financial advisor at Beacon Pointe Advisors, LLC with 25 years of industry experience. She holds a Series 65 designation and has worked at Beacon Pointe Advisors and its related entities since 2016, following a decade at Walden Capital Advisors. Steinberg is also a licensed insurance agent involved in the sale of life and health insurance products. Beacon Pointe Advisors provides investment advisory and consulting services to a diverse client base, including individuals, institutions, and retirement plans. The firm uses a manager-of-managers approach, employing both active and passive strategies, and sponsors proprietary investment vehicles while serving as an operating general partner for multiple private funds.

Andrew Alcarese is a CFP®-designated financial advisor with 28 years of industry experience. He has been with Janney Montgomery Scott since 2013. 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, charitable organizations, and municipal clients through a combination of in-house portfolio management and third-party managers.

Gabrielle Bruno is a financial advisor at Integrity Alliance, LLC with a Series 65 credential and one year of industry experience. She is also the sole proprietor of Angel Army Associates, LLC, a law firm, and works as a caregiver with Samaritans At Last, LLC. Prior to her current roles, she held positions at Jauregui Law Firm, Robertson Center for Constitutional Law, and Regent University School of Law. Integrity Alliance serves a diverse client base including individuals, charitable organizations, corporations, and retirement plans through a network of 164 independent adviser representatives. The firm offers continuous asset management, financial planning, retirement plan consulting, and access to third-party manager programs, employing a range of investment approaches and custodial platforms.

Andrew Nehrbas is a financial advisor with Janney Montgomery Scott in Bryn Mawr, PA. He holds a Series 63 designation and has 50 years of industry experience, including over 16 years with Janney. He serves as a board member of the Crescent Homeowners Association in Wilson, WY, where he assists in maintaining common area trails and streams. Janney Montgomery Scott LLC is a large enterprise firm managing approximately $110 billion in client assets. The firm serves a diverse client base with a range of brokerage, financial planning, and advisory services, utilizing both in-house and third-party portfolio management across multiple wrap programs and model portfolios.

Lynn Erskine is a CFP® and CFA® with 15 years of industry experience, currently serving as a financial advisor at Janney Montgomery Scott. Her prior experience includes roles at The Vanguard Group and Drexel Morgan Capital Advisers. 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, and institutional sponsors, offering brokerage services, financial planning, and advisory programs supported by both in-house and third-party portfolio management.