Ian Mc Laughlin is a CFP® with 14 years of experience in the financial services industry. He currently works at Janney Montgomery Scott and previously held positions at Lincoln Investment, Charles Schwab & Co., Inc., and SII-Acorn Financial Services. 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 wide range of clients including individuals, families, trusts, corporate and retirement plan sponsors, and charitable organizations, offering brokerage services, financial planning, and various advisory programs.

Linda Farquhar is a financial advisor with TIAA-CREF and holds a Series 66 designation. She has seven years of industry experience, including prior self-employment and business ownership with Entredonovan Wholesale LLC and Entredonovan LLC. She is active in her community as Co-Chair of the social committee for the Westover Hills Woods Homeowners Association and serves on the board of the University of Pennsylvania Alumni Club of Delaware. TIAA-CREF provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing retirement plan relationships. The firm offers both model portfolio and customized portfolio management under a fiduciary standard.

Kimberly Beil is a CFP® professional with over 22 years of experience in the financial services industry. She has been with Janney Montgomery Scott since 2002. 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 and municipal organizations, offering brokerage, financial planning, consulting, and advisory programs.

Michael Kernicky is a CFP® with 43 years of experience in the financial industry. He currently works at Janney Montgomery Scott, where he has been since 2018. His prior experience includes roles at Bank of America and Merrill. Kernicky serves as Secretary and Rear Commodore on the board of the Yacht Club of Sea Isle City in New Jersey. 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 through a variety of brokerage, financial planning, and advisory programs, combining in-house portfolio management with third-party managers.

Bernard Audet is a financial advisor at GWN Securities Inc. with 40 years of industry experience and holds a Series 63 designation. His career includes positions at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, MetLife Securities Inc., and over four decades at Creative Financial Planning Org. GWN Securities provides investment advisory services to individual and corporate clients through a variety of managed account programs and financial planning offerings. The firm utilizes both affiliated and unaffiliated sub-advisers and employs market-timing and momentum-based strategies within certain legacy programs.

Joseph De Sipio is a financial advisor with Eagle Strategies (New York Life), holding the ChFC® designation and Series 63 license, with 10 years of industry experience. He has worked at Eagle Strategies since 2022 and has been affiliated with New York Life and its related entities since 2016. Eagle Strategies serves a diverse range of individual and institutional clients, offering financial planning, investment management, and retirement-plan advisory services primarily through a large network of affiliated investment adviser representatives. The firm emphasizes tailored recommendations and manages the majority of its assets on a non-discretionary basis.

Christian Correa is a financial advisor at Empower Advisory Group with Series 66 and Series 63 licenses and two years of industry experience. His prior work includes positions at Northern Lights Distributors, Toews Corporation, and Marsh & McLennan Companies. Outside of his advisory role, he has experience teaching at Eastern University and Temple University and was involved with VIVANCO Painting, LLC. 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. The firm’s integrated model combines financial planning with recordkeeping and administrative platforms, focusing on long-term portfolio returns and annual rebalancing within the investment options selected by plan sponsors.

Daniel Blum is a financial advisor at Janney Montgomery Scott in Philadelphia, PA, with 20 years of industry experience. He has been with Janney Montgomery Scott since 2011. Outside of his advisory role, he owns an online retail sales business, DNV Ventures, LLC. 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 clientele, including individuals, families, trusts, corporate and retirement plan sponsors, and municipal clients, offering a range of brokerage, financial planning, and advisory services.

Gregg Somerville is a CFP® with over 41 years of experience in the financial industry. He is currently with Independent Financial Partners and has previously worked at Realta Equities, Inc. and Realta Investment Advisors for 11 years. Outside of his advisory role, he owns and operates Somerville Investments, a business focused on portfolio management and financial projections. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisers. The firm is noted for its decentralized investment approach and formal retirement-plan advisory and pension consulting capabilities.

Nicholas Lombardo is a CFA® charterholder affiliated with Commonwealth Financial Network in Chadds Ford, PA. He has one year of industry experience, including prior roles at Independence Wealth Services and the State of Delaware, as well as a lengthy tenure at DuPont Capital Management. Commonwealth Financial Network is a dual-registered broker-dealer and SEC-registered investment adviser supporting a national network of approximately 2,900 advisors and managing over $212 billion in client assets. The firm offers a broad platform including managed-account programs, access to third-party asset managers, and custody services, providing both discretionary and nondiscretionary investment solutions.

Fabienne Sarnecki is a CFP®-credentialed financial advisor with 11 years of industry experience. She is currently with Citigroup Global Markets and has held prior roles at RBC Capital Markets, Morgan Stanley Private Bank, Morgan Stanley, and Lincoln Financial Distributors. Outside of her advisory work, she serves as an associate board member for Girls on the Run Southeastern Suburban PA, supporting fundraising and community outreach efforts. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles such as swap dealer and futures commission merchant, supporting large-scale and bespoke advisory solutions.

Lisa Kohut is a CFP® professional with 22 years of experience in the financial services industry. She has been with Citigroup Global Markets Inc. since 2007 and has also worked at Wachovia Bank, N.A. since 2005. Kohut is based in Philadelphia, PA. Citigroup Global Markets Inc. serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies and operates with significant institutional scale, including unique market roles such as swap dealing and futures commission merchant activities.

Vishal Gaur is a financial advisor with Private Advisor Group, LLC, holding the ChFC® designation and a Series 63 license. He has 33 years of industry experience and has worked at firms including LPL Financial and Raymond James Financial. He is also involved with Gaur Financial Associates, LLC. 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 provides managed account solutions through proprietary platforms and third-party managers, using a fiduciary-based advisory model tailored to client goals and risk tolerances.

Nicholas Matt is a financial advisor at Voya Financial Advisors, Inc. with two years of industry experience. He holds a Series 66 designation and has worked at firms including LPL Enterprise LLC, Fidelity Investments, and Coppell Advisory Solutions. His background also includes service in the United States Marine Corps and involvement with various non-investment roles prior to his advisory career. Voya Financial Advisors, Inc. serves individual and institutional clients such as retirement plan sponsors, charitable organizations, corporations, and high-net-worth individuals. The firm offers financial planning, portfolio management, and consulting services through multiple program structures, including Unified Managed Account wrap programs and third-party money manager programs, primarily focusing on non-discretionary advisory relationships.

Brian Sanford is a CFP® with 11 years of industry experience. He is currently affiliated with Commonwealth Financial Network and Union Street Financial. Previously, he spent nine years at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing over $210 billion in client assets. The firm provides a comprehensive adviser-support platform including managed-account programs, access to third-party asset managers, and custody and clearing services.

Rayona Bowens is a financial advisor at Janney Montgomery Scott in Philadelphia, PA, holding a Series 66 designation with three years of industry experience. Her prior roles include positions at Reliance Standard Life Insurance Company, Philadelphia Insurance Companies, and Philadelphia Federal Credit Union. 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 organizations, offering brokerage, financial planning, consulting, and multiple advisory programs.

Gail Kelly Brown is a financial advisor at Janney Montgomery Scott with 20 years of industry experience. She holds a Series 66 designation and has been with Janney Montgomery Scott since 2006. 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.

Trevor Hickman is a CFP® with one year of experience at TIAA-CREF and seven years with TIAA. His prior experience includes a role at Bank of the West and work at the University of St Andrews. He is based in Philadelphia, PA. TIAA-CREF Individual & Institutional Services, LLC offers financial planning and discretionary managed account programs primarily to individuals with existing ties to TIAA-administered employer retirement plans, as well as to trusts, estates, and small retirement plans. The firm provides both point-in-time planning and ongoing management through customizable portfolios and model-based solutions.

Charles Creighton is a financial advisor with Equity Services, Inc., holding the ChFC® designation and a Series 63 license. He has 42 years of industry experience, with his career spanning from Shevlin Gladden Associates and Equity Services, Inc., where he has worked since 1982 and 1984 respectively. He also serves as a volunteer member of the West Goshen Township Pension Committee. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management services to a variety of clients including individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm combines multiple advisory platforms with a mix of long-term strategies and shorter-term trading options, utilizing both discretionary and non-discretionary management approaches.

Martin Arslanian Torre is a financial advisor with TIAA-CREF, holding Series 63 and Series 65 designations and seven years of industry experience. His prior roles include positions at Wells Fargo Clearing, Citizens Securities, and TD Bank. Outside of advisory work, he owns a residential rental property. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, and various entities, often serving clients with existing TIAA employer retirement plan relationships. The firm’s advisory services distinguish between one-time planning and ongoing portfolio management, offering both model and customized portfolio options.