Robert Flannigan is a financial advisor with Janney Montgomery Scott in West Chester, PA, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. His prior roles include positions at RBC Capital Markets, The Vanguard Group, and Substitute Teacher Service, Inc. 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—and offers brokerage services, financial planning, consulting, and multiple advisory programs.

Zachary Vanhorn is a financial advisor at GWN Securities Inc. with one year of industry experience. He holds the Series 66 designation and previously worked at DINKINC3 and Hometown Diner. Outside of his advisory role, he is involved in the sale of fixed annuities through a separate financial services business. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients, including high-net-worth individuals. The firm offers discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios, utilizing a range of investment strategies including both traditional and legacy market-timing approaches.

Sean Eicher is a financial advisor with Bankers Life Advisory Services, Inc. He holds the Series 66 designation and has seven years of industry experience. In addition to his advisory role since 2018, he has been involved with Bankers Life and Casualty since 2008, where he manages a team of agents focusing on Medicare supplement, life insurance, long-term care, and annuity products. Bankers Life Advisory Services, Inc. provides discretionary portfolio management and investment consulting primarily to mass-affluent and high-net-worth individuals. The firm emphasizes customized asset allocation, tax efficiency, and uses a combination of fundamental, technical, and cyclical analysis in its investment process.

Robert Dollfus Jr. is a financial advisor at Hornor, Townsend & Kent, LLC with 40 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Nationwide Insurance and Nationwide Advisory Services for over three decades. He is also the proprietor of Dollfus Insurance & Financial Services, a multi-line insurance brokerage. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a combination of advisory programs, financial planning, and retirement consulting. The firm operates as both a registered investment adviser and broker-dealer, offering custody, execution, brokerage, and third-party asset manager relationships across discretionary and non-discretionary account options.

Robert Karalius is a financial advisor with Eagle Strategies (NY Life) in Wayne, PA, holding the ChFC® designation and Series 63 license. He has 37 years of industry experience, including longstanding roles at New York Life Insurance and Nylife Securities Inc. since the late 1980s. He operates Karalius & Associates Insurance and Financial Services, LLC, brokering non-registered insurance products alongside his advisory work. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to a diverse client base, including individuals, institutional sponsors, and charitable organizations. The firm emphasizes tailored solutions across multiple service programs and manages a significant portion of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

John Battista is a CFP®-designated financial advisor at Janney Montgomery Scott with 51 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors LLC, spanning 11 years before joining Janney in 2023. 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—and offers brokerage, financial planning, consulting, and multiple advisory programs.

Andrew Lombard is a financial advisor at Janney Montgomery Scott with Series 63 and Series 65 credentials and 33 years of industry experience. He has been with Janney Montgomery Scott since 1992. 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 plans, and charitable organizations, offering a range of brokerage, financial planning, and advisory services.

Brian Nash is a CFP® professional with six years of industry experience. He is currently with Schwab Wealth Advisory, Inc. and Charles Schwab & Co., Inc., having joined both firms in 2025. Prior to this, he worked at The Vanguard Group, Inc. from 2019 to 2025 and had brief roles at Wells Fargo Advisors and McCaffrey's Food Markets. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice as part of the Schwab Wealth Advisory program, delivering annual financial reviews and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees, distinguishing its service model from many other enterprise wealth managers.

Carol Dittert is a financial advisor with Janney Montgomery Scott LLC, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. She has been with Janney Montgomery Scott since 2009. 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, offering brokerage services, financial planning, consulting, and various advisory programs.

Jeffrey Hunter is a financial advisor with TD Private Client Wealth LLC, holding Series 63, Series 65, and Series 66 licenses and 23 years of industry experience. He has worked at TD Bank N.A. and its affiliated entities since 2013, currently based in Exton, PA. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional, high-net-worth private, and retail clients. The firm utilizes a combination of strategic and tactical asset allocation with investments from both affiliated and third-party sub-managers, offering financial planning support and custody through third-party custodians.

Brian Howles is a CFP®, CFA®, and Series 65 credentialed advisor with 18 years of industry experience. He has worked at Focus Partners Wealth, LLC since 2024, following prior roles at GYL Financial Synergies and Flagship Capital Management. Focus Partners Wealth serves a diverse client base including individuals, high-net-worth families, corporate, retirement plan, and institutional clients. The firm utilizes a long-term, tax- and fee-sensitive investment approach combining fundamental and quantitative analysis, offering a wide range of services such as investment management, financial counseling, retirement plan fiduciary services, and sub-advisory solutions.

Evan Allvord is a CFP® professional affiliated with Schwab Wealth Advisory, Inc. in Radnor, PA, with eight years of industry experience. He has worked at The Vanguard Group, Wilmington Trust, and Charles Schwab & Co., Inc., including his current roles since 2026. Prior to his financial advisory career, he was employed by Restaurant Associates at Longwood Gardens. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice primarily to clients enrolled in the Schwab Wealth Advisory program. The firm offers annual financial reviews, retirement and planning discussions, and investment recommendations, using Charles Schwab’s asset allocation models and research tools while leaving final trading decisions to clients.

Christopher Clavin is a financial advisor at Janney Montgomery Scott with 31 years of industry experience. He holds Series 63 and Series 65 licenses. Prior to joining Janney in 2022, Clavin worked at Wells Fargo Clearing and Wells Fargo Advisors LLC from 2009 to 2022. He serves as treasurer for Metro Travel Consultants, a travel agency owned by his wife and her business partner, though his involvement is minimal and uncompensated. Janney Montgomery Scott is a large enterprise firm managing approximately $110 billion in client assets, serving individuals, families, trusts, corporate and retirement plan sponsors, and other entities. The firm offers brokerage, financial planning, and advisory services using both in-house and third-party portfolio management across multiple programs.

Stephen Gephart is a financial advisor at Equity Services, Inc. with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Equity Services since 2018. His prior experience includes roles at Northwestern Mutual Wealth Management Company and Northwestern Mutual Investment Services. Outside of his advisory work, he is involved in several insurance-related business activities and also participates in music publishing. Equity Services, Inc. provides financial planning, consulting, and asset management to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms and combines long-term investment strategies with options for short-term trading and specialized instruments, utilizing both discretionary and non-discretionary management.

John Seifried is a financial advisor at TIAA-CREF with 32 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has been with TIAA-CREF since 2006. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients connected through TIAA-administered employer retirement plans. The firm acts as adviser to a donor-advised fund and provides a mix of model and customized portfolio management under a fiduciary standard.

Nicole Serio is a financial advisor at Hightower Advisors with four years of industry experience. She holds the Series 65 and Series 66 designations. Prior to joining Hightower Advisors, she held several roles at Saint Joseph’s University and the Packanack Lake Community Association. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individual and institutional investors. The firm employs a multi-manager approach utilizing affiliated and third-party managers and offers a variety of investment vehicles and portfolio management solutions.

Dale Morra is a financial advisor with TD Private Client Wealth LLC, holding Series 63 and Series 65 licenses and possessing five years of industry experience. He has worked within TD Bank and its affiliated entities since 2012. Outside of his advisory role, Morra volunteers as a certified lifeguard at the YMCA Rocky Run. 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 integrates strategic and tactical asset allocation using both affiliated and third-party managers, offering comprehensive portfolio management and financial planning support.

Michael Kernicky is a CFP® professional with 16 years of industry experience, currently serving as an advisor at Janney Montgomery Scott since 2018. His prior roles include positions 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, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering a range of brokerage, financial planning, consulting, and advisory services.

Ryan Brim is a financial advisor at Schwab Wealth Advisory with a Series 66 designation and four years of industry experience. His prior work includes roles at Charles Schwab & Co., Charles Schwab Bank, Caneel Group LLC, A2C Mortgage LLC, and Wells Fargo Home Mortgage. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations based on Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab and does not directly charge clients fees or exercise discretionary trading authority.

Carlos Gonzalez is a financial advisor with Sequoia Financial Group, L.L.C., holding Series 63 and Series 66 licenses and 16 years of industry experience. His prior roles include positions at Morgan Stanley and SG Americas Securities. Outside of his advisory work, he is the sole proprietor and partner of KCG Capital LLC, a real estate business based in Dallas, TX. Sequoia Financial Advisors, LLC provides wealth planning, investment management, and retirement-plan and business-consulting services to a diverse client base including high-net-worth individuals, charitable organizations, corporations, and family offices. The firm employs a combination of in-house model portfolios, custom accounts, and third-party manager selection, supported by an Investment Policy Committee and extensive research resources.