Timothy Hyle is a financial advisor at Truist Advisory Services with 20 years of industry experience. He holds a Series 66 designation and has worked at Truist Advisory Services and Truist Investment Services since 2021, following roles at BB&T Securities and BB&T Investments. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary and non-discretionary manager relationships supported by third-party platforms and AI-enabled research tools.

Julian Brown is a Series 66-licensed financial advisor with five years of industry experience. He is currently with Private Advisor Group, LLC and LPL Financial, LLC. Brown also serves as a board member of Cousincation, a for-profit organization. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by offering discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm employs a fiduciary-based advisory model and utilizes a range of investment strategies implemented through third-party managers and technology platforms.

Eric Decker is a financial advisor at Janney Montgomery Scott with 25 years of industry experience. He holds a Series 66 designation and has worked previously at Wells Fargo Clearing, Citigroup Global Markets, and Legg Mason Wood Walker. Outside of his advisory work, he owns rental property managed by a third-party company. 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 through brokerage, financial planning, consulting, and multiple advisory programs, combining in-house and third-party portfolio management.

Ryan Flanders is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 11 years of industry experience. He has worked at Commonwealth since 2018 and previously was affiliated with 1st Global Advisors, Inc. and 1st Global Capital Corp. Outside of his advisory role, Flanders is involved in tax preparation and accounting through his ownership of David A Flanders CPA, LLC. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their retail and institutional clients. The firm offers a range of advisory programs and services, including discretionary model portfolios and customized investment solutions, while providing operational, trading, technology, compliance, and practice-management support to affiliated advisors.

Kenneth Arnold is a financial advisor with GWN Securities Inc. in Salisbury, MD, holding a Series 66 designation and five years of industry experience. Prior to joining GWN Securities, he worked at Benfield Electric Company, Inc. for 13 years. Arnold is also active as a life insurance agent, focusing primarily on term coverage and long-term care insurance through partnerships with New Directions Financial Group and Osborne Financial Group. Additionally, he serves as a SmartVestor Pro, providing investment guidance to clients referred by Dave Ramsey. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers. The firm manages approximately $3.65 billion across more than 37,000 client accounts and offers a range of managed-account programs and model portfolios, including strategies that combine traditional asset allocation with legacy market-timing and momentum-based approaches.

Louis Defidelto is a CFP® and ChFC® with 22 years of experience in the financial industry. He has worked with Centaurus Financial, Inc. since 2011 and The Eagle Group Financial Advisors since 2004. In addition to his advisory career, he serves as a captain and flight officer for United Airlines. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base, including individuals, families, businesses, trusts, and foundations. The firm offers a range of financial planning and portfolio management solutions, utilizing both discretionary and non-discretionary approaches with various analytical methods and specialized advisory services.

John Troiano is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 66 credentials and possessing 27 years of industry experience. His prior work includes over a decade at Stifel Nicolaus & Co., Inc. He serves as an ex officio, non-voting member on the board of an alcoholism treatment program, where he explains financial matters. 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 with services that include brokerage, financial planning, consulting, and various wrap/advisory programs, using a combination of in-house and third-party portfolio management.

Frederick Creutzer V is a financial advisor with Integrity Alliance, LLC, holding Series 63 and Series 65 licenses and having nine years of industry experience. He has worked at Integrity Alliance since 2017 and operates Creutzer Financial Services, where he sells fixed insurance and fixed annuities. Integrity Alliance is a large advisory network with over 300 independent representatives managing approximately $5.4 billion in assets. The firm serves a diverse client base including individual investors, corporations, and qualified retirement plans, offering portfolio management, financial planning, and both wrap and non-wrap programs through various platforms and advisory approaches.

Yang Yang is a Series 66–registered financial advisor at PNC Wealth Management with 10 years of industry experience. Prior to joining PNC in 2026, Yang worked at JPMorgan Chase Bank and J.P. Morgan Securities from 2022 to 2026, and at Bank of America and Merrill from 2009 to 2022. PNC Wealth Management provides retail brokerage and advisory services through several model-based programs, including an invitation-only digital discretionary model account offered to employees. The firm uses approved model strategies implemented via mutual funds and ETFs, with portfolio management delegated to third parties and relies on algorithmic tools for enrollment and model selection.

John Pauliny is a financial advisor at Janney Montgomery Scott with 21 years of industry experience and holds a Series 66 designation. He has been with Janney since 2015. Outside of his advisory role, he serves as a board member of the Aberdeen Rotary and previously was involved with the Havre de Grace Decoy Museum’s board. 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, corporations, retirement plans, charitable organizations, and municipal clients, offering brokerage, financial planning, and advisory services through a combination of in-house and third-party portfolio management.

Ryan Pellegrino is a financial advisor at Centaurus Financial, Inc. He holds the Series 66 designation and has one year of industry experience. Prior to joining Centaurus Financial, he worked at Oliver Wyman for six years. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management through the CLASSIC Plus platform, retirement-plan consulting, and specialized advisory management of annuity and variable life sub-accounts.

Manuel Zavala is a financial advisor with Empower Advisory Group in West Grove, PA, holding Series 63 and Series 65 licenses and having 15 years of industry experience. He has been with Gwfs Equities, Inc. since 2015. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors, participants, and certain retail clients. The firm offers point-in-time financial plans and optional managed account solutions, operating through an integrated model connected to Empower’s recordkeeping and administrative platforms.

Ronald Tydings is a financial advisor with PNC Wealth Management in Bel Air, MD, holding Series 63 and Series 66 licenses with 28 years of industry experience. He has worked at PNC Investments LLC since 2008. PNC Wealth Management provides retail brokerage and advisory services through model-based programs, including an invitation-only digital offering for employees that uses algorithmic risk assessment to recommend investment strategies implemented with mutual funds and ETFs.

David Flanders is a CFP® professional with 15 years of industry experience, currently affiliated with Commonwealth Financial Network since 2018. Prior to joining Commonwealth, he worked at 1ST Global Advisors, Inc. and 1st Global Capital Corp from 2010 to 2018. He is also the sole owner of David A. Flanders, CPA, LLC, a tax preparation firm. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs, operational support, and investment management services, allowing advisors discretion in portfolio construction alongside access to model portfolios managed by Commonwealth’s Investment Management and Research team.

John Goles is a financial advisor with Janney Montgomery Scott in Bel Air, MD, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Janney Montgomery Scott since 2013. Outside of his advisory role, he serves as Treasurer on the Finance Committee for Boys Hope Girls Hope Baltimore, a nonprofit supporting at-risk youth. 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 wide range of clients, including individuals, families, trusts, and institutions, providing brokerage services, financial planning, and advisory programs through a combination of in-house and third-party portfolio management.

David Dively is a financial advisor with Truist Advisory Services and holds a Series 66 designation. He has 23 years of industry experience, including roles at Truist Investment Services, Bb&T Securities, and BBTIS. Truist Advisory Services provides investment consulting and advisory services to individuals, corporations, retirement plan sponsors, and charitable organizations. The firm uses a combination of discretionary manager relationships and non-discretionary consulting, supported by third-party platforms and AI-enabled research tools.

Bryan Tiger is a financial advisor at PNC Wealth Management with 14 years of industry experience. He previously worked at Bank of America and Merrill from 2011 to 2024. He holds the Series 66 designation. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a discretionary online Portfolio Solutions Strategist Digital Offering available as an invitation-only pilot for employees. The program uses algorithmic risk assessment and approved model strategies managed by PNC or third-party strategists, primarily investing in mutual funds and ETFs with annual rebalancing.

Ronald Fisher Jr. is a financial advisor at Private Advisor Group, LLC with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Private Advisor Group since 2012 and LPL Financial since 2011. He also operates Fisher Financial Services, which has been active since 1990, providing financial planning, portfolio management, and educational seminars. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm employs a fiduciary-based advisory model using a variety of investment strategies and technology platforms, often implementing advice through third-party managers and managed account programs.

Joseph Conroy is a financial advisor at Private Advisor Group, LLC with 18 years of industry experience. He holds a Series 66 designation and has previously worked at Synergy Financial Group, LPL Financial, and Ameriprise. Outside of advising, he is the author of the book *Decades & Decisions*. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering portfolio management, financial planning, retirement plan consulting, and access to various managed account solutions. The firm employs a fiduciary-based advisory model, utilizing technology platforms and a range of investment strategies while often implementing advice through third-party managers and turnkey asset management platforms.

Michael Englehart is a CFP® professional with 40 years of industry experience. He is currently with Steward Partners Investment Advisory, LLC and related Steward Partners entities since 2022. His prior experience includes roles at Raymond James Financial Services, Wells Fargo Clearing, Citigroup Global Markets, and Legg Mason Wood Walker. Outside of his advisory work, he serves on the finance committee of Sovereign Grace Church and volunteers with Children of Zion, an orphanage in Namibia. Steward Partners Investment Advisory, LLC is an SEC-registered enterprise-scale RIA managing approximately $36.7 billion in regulatory assets. The firm serves a diverse client base including individuals, pension plans, corporations, trusts, and charitable organizations, offering a broad range of investment advisory and financial planning services with multiple portfolio management options and third-party manager selections.