Joseph Scalzo is a financial advisor with Commonwealth Financial Network in Clinton, NJ, holding Series 63 and Series 65 licenses and 29 years of industry experience. He previously worked at Edward Jones for 15 years and MetLife Investment Fund Services LLC for one year. He also engages in fixed insurance sales, spending a small portion of his time on this activity. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and hundreds of thousands of clients. The firm offers a broad support platform including managed-account programs, third-party asset manager access, and custody services, managing roughly $212.7 billion in client assets.

Kyle Vito is a financial advisor at PNC Wealth Management with 12 years of industry experience. He holds a Series 66 designation and has previously worked at Equitable Advisors and AXA Advisors, LLC. PNC Wealth Management provides retail brokerage and advisory services through several model-based programs, including an online, discretionary model account offered as an invitation-only employee pilot. The firm uses algorithmic digital questionnaires to recommend investment risk bands and implements portfolios primarily through mutual funds and ETFs with annual rebalancing.

Stella Desantis is a financial advisor at Oppenheimer with 30 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Oppenheimer since 2013, following two years at Morgan Stanley. Oppenheimer is a registered investment adviser and broker-dealer that serves individuals, corporations, pension and profit-sharing plans, charitable organizations, and IRAs. The firm offers a broad range of investment and consulting services, managing both discretionary and non-discretionary accounts across various asset classes.

Timothy Hyland is a CFP® with 25 years of industry experience, currently affiliated with Hornor, Townsend & Kent, LLC. He has worked at Penn Mutual and Hornor, Townsend & Kent since 2002. Outside of his advisory role, he is the proprietor of Stone Hill Financial LLC, a multi-line insurance business involved in employee benefits and insurance sales. Hornor, Townsend & Kent serves individuals, trusts, businesses, charities, and retirement plans through a broad network of advisers, offering advisory programs, financial planning, and retirement consulting. The firm operates both advisory and broker-dealer services, managing substantial assets under management through third-party asset manager relationships and providing tailored investment solutions.

Dennis Gunn is a CFP® with 41 years of industry experience, currently serving at Hornor, Townsend & Kent, LLC. He has been with the firm and its affiliate Penn Mutual Life Insurance Company since 2010. Outside of his advisory role, he is actively involved in life insurance brokerage through Primary Financial and Stone Hill Financial, focusing on life insurance, annuities, disability, and pension plan investments. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans with advisory programs and financial planning services. The firm offers both advisory and broker-dealer capabilities, managing approximately $8.37 billion in discretionary assets under management as of December 31, 2025.

Nicholas Cooper is a financial advisor at Commonwealth Financial Network with four years of industry experience. He holds the Series 65 designation and previously worked at RMR Wealth Builders, Inc. and WMS Partners, LLC. 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 around $212.7 billion in client assets. The firm provides a broad adviser-support platform, including managed-account programs, access to third-party asset managers, and custody services.

J Gilbert is a financial advisor with Equity Services, Inc. holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. His prior roles include positions at Flagship Harbor Advisors, LLC, LPL Financial, and National Life. He is also involved in fixed insurance sales through his activities with Gilbert Financial Services and The Vermont Agency. 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 offers multiple advisory platforms, often employing third-party asset managers and model portfolios with a combination of long-term strategies and options for shorter-term trading.

Amanda Glanz is a CFP® with 24 years of industry experience. She is currently with NewEdge Advisors and previously worked at Janney Montgomery Scott, LLC and UBS Financial Services Inc. Ms. Glanz is also a licensed insurance agent. NewEdge Advisors is an enterprise-scale registered investment adviser serving individuals, including high-net-worth clients, pension plans, corporations, and charitable organizations through a network of independent advisers. The firm offers a wide range of portfolio management and consulting services, utilizing both in-house and third-party investment strategies supported by centralized due diligence and technology tools.

Paul De Biasse is a Series 66-registered financial advisor with Eagle Strategies (NY Life) and has eight years of industry experience. He previously worked at Horizon Wealth Strategies, LLC for five years and spent 12 years with Zignago Glass USA Inc. 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 advisers. The firm offers tailored solutions including fee-based advice and retirement plan consulting, with most assets managed on a non-discretionary basis.

Cory Gearhart is a financial advisor with PNC Wealth Management, holding Series 63 and Series 65 licenses and 18 years of industry experience. He has been with PNC Investments, LLC since 2013. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model portfolio available to employees with PNC Bank online credentials. The program uses algorithm-driven risk assessment and approved model strategies managed by PNC or third parties, with portfolio implementation delegated to external service providers.

John Wirtz is a financial advisor with PNC Wealth Management in Washington, NJ, holding a Series 66 designation and 23 years of industry experience. He has been with PNC Investments since 2004 and previously worked at Equitable Advisors in 2003. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital discretionary model account available via an invitation-only employee pilot. The firm utilizes approved model strategies managed by PNC or third-party strategists, focusing on mutual funds and ETFs with algorithm-driven enrollment and annual rebalancing.

Daniela Espinal Baez is a financial advisor with PNC Wealth Management in Easton, PA, holding Series 63 and Series 66 licenses and six years of industry experience. Her career includes roles at PNC Investments LLC since 2022 and multiple positions at Wells Fargo Bank and Wells Fargo Clearing from 2015 to 2022, as well as a year at Family First Life. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital discretionary model account available by invitation to employees with existing PNC Bank online-banking credentials. The firm’s approach involves algorithm-driven model selection, third-party portfolio implementation, and an automated rebalancing process using mutual funds and ETFs.

Christopher Nichols is a financial advisor with Hornor, Townsend & Kent, LLC, holding a Series 66 designation and 22 years of industry experience. He has been with Hornor, Townsend & Kent in various capacities since 2006 and concurrently works with Penn Mutual Life Insurance since 2018. Nichols is also involved in insurance brokerage through several entities, including roles as an agent and proprietor in multi-line and life insurance sales. Hornor, Townsend & Kent serves a broad client base including individuals, trusts, businesses, charitable organizations, and retirement plans. The firm offers advisory programs, financial planning, and retirement plan consulting, combining advisory and broker-dealer services with third-party asset manager relationships and a dual registration as an SEC-registered adviser and FINRA-member broker-dealer.

Brian Fischer is a financial advisor with Commonwealth Financial Network, holding a Series 63 designation and over 44 years of industry experience. He has been with Commonwealth since 2011 and maintains leadership roles in several related entities, including Economic Concepts, Inc., where he serves as president. Outside of his advisory work, he is part owner of La Familia LLC, an entity created to own and operate a boat. Commonwealth Financial Network is a nationally recognized dual-registered broker/dealer and SEC-registered investment adviser supporting approximately 2,900 affiliated advisors and managing over $212 billion in client assets. The firm offers a comprehensive adviser platform that includes managed-account programs, access to third-party asset managers, plan consulting, and custody services.

Ryan Goldschmitt is a financial advisor at NewEdge Advisors with 19 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at JP Morgan Chase Bank, N.A. and J.P. Morgan Securities. In addition to his advisory role, he is involved in insurance planning as a referrer for First Element Planners. NewEdge Advisors is an enterprise-scale registered investment adviser serving individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations through independent adviser representatives. The firm offers diversified portfolio management, financial planning, retirement consulting, and access to various advisory programs, utilizing technology and centralized due diligence to support clients and advisors.

Kevin Bostory is a financial advisor with Empower Advisory Group, holding a Series 66 designation and 17 years of industry experience. His career includes roles at firms such as TD Ameritrade, Scottrade, Merrill, Charles Schwab, and Bank of America. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to IRA and retail brokerage clients. The firm emphasizes long-term portfolio returns and integrates its advisory services closely with Empower’s recordkeeping and administrative platforms.

John Rachel is a CFP® with 30 years of experience in the financial services industry. He is affiliated with Guardian Life and Park Avenue Securities, where he has worked since 1994 and 2022 respectively. Outside of his advisory role, he also places term policies and health insurance. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers advisor-led discretionary management alongside model-based strategies, integrating proprietary and third-party platforms to deliver tailored financial planning and consulting services.

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.

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.

Emeline Singh is a financial advisor at Empower Advisory Group with 25 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Fidelity Investments, Pruco Securities LLC, and The Prudential Insurance Company of America. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders, using an integrated model tied to Empower’s recordkeeping and administrative platforms.