Jay Patadia is a financial advisor at Hornor, Townsend & Kent, LLC with the PFS™ designation and one year of industry experience. He previously worked at Veritas Planning Advisors and Veeco Instruments. Outside of advisory work, he owns a tax preparation business and is active in insurance brokerage, focusing on life insurance products. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a network of advisers, offering advisory programs, financial planning, and retirement plan consulting. The firm combines advisory and broker-dealer services and manages over $8 billion in discretionary assets.

Elijah Lewis is a financial advisor with TD Private Client Wealth LLC, holding a Series 66 designation and four years of industry experience. His career includes roles at Merrill and Bank of America, where he worked from 2020 to 2026. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional and high-net-worth clients, offering portfolio management, financial planning support, and access to a range of investment products through a combination of affiliated and third-party managers.

Jacob Kovar is a CFP® professional with one year of industry experience, currently affiliated with Wealth Enhancement Advisory Services, LLC. His prior roles include positions at Northwestern Mutual and Bleakley Financial Group. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving a diverse client base including individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm offers financial planning, asset management, and specialized retirement consulting, employing a strategic investment process that combines passive and active management guided by an internal Investment Committee.

Gavin Kreitz is a financial advisor with TLG Advisors, Inc., holding a Series 66 credential and no prior industry experience. His work history includes roles at Simplicity Investments Inc., Gideon Strategic Partners LLC, Leste Group, Med-Metrix, and academic positions at the University of Miami and Lafayette College. TLG Advisors, Inc. serves a diverse client base, including individuals, trusts, charities, corporations, and institutional investors. The firm focuses on manager selection and monitoring, using fundamental analysis and Modern Portfolio Theory to build diversified portfolios, and offers both sub-advised accounts and direct-to-consumer digital investment programs.

David Dobin is a CFP® professional with 25 years of experience in the financial services industry. He has been with VALIC Financial Advisors since 2003 and holds Series 63 and Series 66 licenses. Outside of his advisory work, he volunteers by selling merchandise at cost to support a colleague battling an illness. VALIC Financial Advisors primarily serves U.S.-domiciled individual investors, including 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 for portfolio construction.

Dharshan Premaratne is a financial advisor with TD Private Client Wealth LLC, holding Series 63 and Series 65 licenses and six years of industry experience. He has been with TD Private Client Wealth LLC and TD Bank since 2020, following eight years at TD Bank from 2012 to 2020. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services primarily to institutional clients, high-net-worth private clients, and retail TDIS (US) clients. The firm uses a combination of strategic and tactical asset allocation with investments from both affiliated and third-party sub-managers.

Michael Whittemore is a financial advisor at Beacon Pointe Advisors, LLC with 18 years of industry experience. He holds the CFP® and CFA® designations and has worked at firms including U.S. Trust – Bank of America and Heller Wealth Advisors. Beacon Pointe Advisors provides wealth advisory, consulting, financial planning, retirement-plan services, and outsourced chief investment officer solutions to individuals, corporations, pension plans, and institutional clients. The firm employs both active and passive strategies across public and private assets and combines proprietary asset-allocation modeling with third-party independent managers selected through ongoing due diligence.

William Smalls is a financial advisor with Eagle Strategies (NY Life) based in Edison, NJ. He holds Series 63 and Series 65 licenses and has four years of industry experience. Prior to joining Eagle Strategies in 2025, he worked with NYLife Securities LLC and New York Life Insurance Company. Outside of his advisory role, he serves as President of the Deacon's Union and Women's Auxiliary of Monmouth & Adjacent Counties, promoting Christian education for local churches. Eagle Strategies serves a diverse range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisors. The firm emphasizes tailored recommendations and manages a substantial majority of assets on a non-discretionary basis, with a focus on fiduciary responsibilities to retirement investors.

Keith Balla is a financial advisor at Cetera Planning Partners with 12 years of industry experience. He holds a Series 66 designation and has previously worked with Avantax Advisory Services and 1st Global Advisors. Outside of his advisory role, he serves as the Mayor of the Borough of Watchung and is president of a general construction contracting firm. Cetera Planning Partners serves individual and high-net-worth clients, particularly pre-retirees and retirees, offering investment management, comprehensive financial planning, Social Security optimization, and retirement advice. The firm’s investment approach centers on diversified allocations using mutual funds and ETFs tailored to client objectives and risk tolerance, supported by ancillary services including tax planning, bookkeeping, payroll support, and estate planning.

Christopher Risko is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. His prior roles include positions at Signature Realty, Horner Townsend and Kent, and Penn Mutual Life Insurance Company. In addition to advisory work, he is involved in managing sales agents and placing insurance products with affiliated companies. Transamerica Financial Advisors serves a wide range of clients, including individual investors, pension plans, trusts, and corporations, offering both advisory and broker-dealer services. The firm utilizes proprietary and third-party model portfolios and provides discretionary and non-discretionary investment programs.

Michael Bokach is a financial advisor with Valic Financial Advisors, holding a Series 66 designation and eight years of industry experience. His work history includes roles at Agia and 1Force before joining Valic Financial Advisors. Outside of his advisory work, he is involved with Agia as an insurance agent focusing on non-securities insurance products. 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 utilizes discretionary unified managed accounts via Envestnet’s platform and offers portfolio management and financial planning through a large network of advisors.

Lawrence Ennis is a financial advisor at Janney Montgomery Scott with 49 years of industry experience. He holds a Series 63 designation and has been with Janney Montgomery Scott in various roles since 2009. Outside of his advisory work, Ennis serves as Secretary and Treasurer for the North Jersey Cardinals, a youth baseball organization for players aged 14-18. Janney Montgomery Scott is a large 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 organizations, offering brokerage, financial planning, consulting, and advisory services through a variety of managed account programs.

Yong Lin is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and 14 years of industry experience. His work history includes roles at Aetna, Emerson Reid, and Wfgia, alongside his longstanding position at Transamerica Financial Advisors. He is also the owner of Lin Family Dynasty Inc. Outside of investment advisory, Lin assists clients with health insurance enrollment through affiliated firms. Transamerica Financial Advisors serves a broad client base including individuals, retirement plans, trusts, estates, charitable organizations, and businesses. The firm utilizes model portfolios and third-party managers to deliver advisory services through a large network of advisors and multiple program platforms.

Joseph Falisi is a financial advisor with Ameritas Advisory Services, LLC, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. His career includes roles at Ameritas Advisory Services since 2021, Mulberry Lane Advisors since 2016, and Independent Financial Solutions since 2015. Falisi is also involved in managing and training agents in the sale of life insurance and annuities and develops personalized Social Security claiming strategies through his other business activities. Ameritas Advisory Services, LLC provides investment advisory and planning services to individuals, high-net-worth investors, retirement plans, charitable organizations, and businesses. The firm offers a range of portfolio management options utilizing model portfolios, mutual funds, ETFs, interval funds, and individual securities, supported by multiple program platforms and third-party technology.

Rodger Guerra is a financial advisor with GWN Securities Inc. in Bridgewater, NJ, holding Series 63 and Series 65 licenses and having 27 years of industry experience. His prior firms include Cetera Advisors LLC and his own firm, Guerra Financial Services. Outside of advisory work, he serves as a basketball referee for high school games in Burlington and Camden Counties, NJ. GWN Securities provides investment advisory and related services to individual and corporate clients through multiple managed account programs and financial planning. The firm employs a mix of affiliated and unaffiliated sub-advisers and utilizes model-based allocations grounded in asset allocation and Modern Portfolio Theory, with certain legacy programs employing trading and tactical strategies.

Jie Sun is a financial advisor with TLG Advisors, Inc. and holds Series 63 and Series 66 licenses. Jie has five years of industry experience, with prior roles at firms including Fidelity Investments, Citigroup Global Market Inc., and The Vanguard Group. TLG Advisors, Inc. serves a diverse client base including individuals, high-net-worth clients, trusts, charitable organizations, corporations, pension and retirement plans, and other institutional investors. The firm’s investment approach emphasizes manager selection and monitoring using fundamental analysis and Modern Portfolio Theory, and it offers services through independent advisor representatives, sub-advisors, and a direct-to-consumer digital program called Starlight Portfolios.

Dylan Pardo is a financial advisor with Empower Advisory Group and holds a Series 66 designation. He has one year of industry experience, with prior roles at firms including Equitable Advisors, Pendry Natirar, and LPL Financial. Outside of finance, he has experience working at Mastercard and in the hospitality sector. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as retail brokerage clients. The firm emphasizes point-in-time financial plans and managed account solutions delivered through an integrated model connected to Empower’s administrative platforms.

Anubhav Bhatyal is a financial advisor at Citizens Securities, Inc. with one year of industry experience. He holds the Series 66 designation and has prior experience at Bank of America, Merrill, ICICI Bank, Ernst & Young LLP, and IL&FS Financial Services. Citizens Securities serves a broad retail client base including individual and high-net-worth investors and offers investment advisory programs alongside brokerage and insurance services. The firm provides a digital advisory program featuring ETF-based portfolios managed through proprietary algorithms as well as a Managed Account program.

Peter Floersch is a financial advisor with Cetera Planning Partners, holding a Series 66 designation and over 25 years of industry experience. His prior work includes roles at Avantax Advisory Services and a partnership at PKF O'Connor Davies LLP, a public accounting firm where he performed attest services. He is involved with FMRTL Wealth Advisors, providing financial advisory services alongside his primary role. Cetera Planning Partners serves individual and high-net-worth clients, particularly pre-retirees and retirees, offering investment management, comprehensive financial planning, Social Security optimization, and retirement advice. The firm integrates tax planning, bookkeeping, payroll support, and estate-planning services through third-party providers, using a formal planning process centered on diversified mutual fund and ETF allocations matched to client objectives and risk tolerance.

Parimal Patel is a CFP® professional with 27 years of experience, currently serving as an advisor at Hornor, Townsend & Kent, LLC. He has worked with Penn Mutual Life Insurance Company and Hornor, Townsend & Kent since 2010. Outside of his advisory role, Patel is involved in multi-line insurance brokerage activities, including investment-related life, health, and annuity sales. 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, managing significant discretionary and non-discretionary assets while employing a network of third-party asset managers under a comprehensive supervisory framework.