Steven Perlman is a financial advisor with Wealthcare Advisory Partners LLC, holding Series 63 and Series 66 licenses and 28 years of industry experience. He previously worked at LPL Financial and MML Investors Services, Inc., as well as MassMutual Life Insurance Company. Perlman is involved in non-variable insurance through Delval Senior Advisors. Wealthcare Advisory Partners LLC provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, estates, retirement plans, charitable organizations, and businesses. The firm uses a goals-based financial advising approach combined with proprietary software and behavioral economics, offering both passive and active portfolio management alongside dynamic rebalancing and specialized retirement plan advisory services.

Daniel Mccarthy is a CFP® certificant with 13 years of experience in financial advising. He has worked with Wealthcare Advisory Partners LLC and LPL Financial since 2016. Wealthcare Advisory Partners LLC provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, estates, retirement plans, charitable organizations, and businesses. The firm employs a goals-based advising approach supported by proprietary software and quantitative metrics, combining passive and active investment strategies along with dynamic rebalancing when appropriate.

Gary Droz is a financial advisor with CW Advisors, LLC, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has worked at CW Advisors since 2023 and previously spent over a decade at MainLine Private Wealth, LLC and MainLine Securities LLC. Outside of advising, he is a licensed insurance producer and owns a small property management business. CW Advisors, LLC is a multi-team registered investment adviser managing approximately $15 billion in assets for individuals, families, trusts, and institutions. The firm employs a Core-and-Satellite investment approach integrating active, passive, and ESG strategies and offers services including wealth management, retirement plan advisory, family-office, and sub-advisory solutions.

Michael Reynolds Jr. is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at Janney Montgomery Scott. Prior to joining Janney, he worked in recreation services at the University of Delaware. 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, and charitable organizations, offering a range of financial planning, consulting, and investment management services.

Alexander Fernberger is a financial advisor at William Blair with 15 years of industry experience. He holds a Series 66 designation and previously worked at Raymond James and Associates for eight years before joining William Blair in 2024. William Blair’s Private Wealth Management division offers discretionary and non-discretionary investment management, financial planning, and wealth services to individuals, foundations, pension, and corporate clients. The firm employs an active, research-driven approach across multiple asset classes and provides proprietary models, access to private funds, and co-investment opportunities.

Stuart Ettingoff is a financial advisor at J.W. Cole Advisors, Inc. with 44 years of industry experience. He holds Series 63 and Series 65 designations and has worked at J.W. Cole Advisors, Inc. and J.W. Cole Financial, Inc. since 2019, following a three-year tenure at Wells Fargo Clearing. J.W. Cole Advisors operates a large network of independent Investment Adviser Representatives and offers fee-based portfolio management, financial planning, retirement plan services, and access to multiple third-party investment platforms for individuals, high-net-worth clients, and institutions. The firm utilizes a variety of discretionary and non-discretionary management strategies, combining fundamental and technical analysis with model and manager-based approaches.

Mark Weller is a CFP® professional with 16 years of industry experience, currently affiliated with Eagle Strategies (NY Life). He has worked with NYLIFE Securities LLC and New York Life Insurance Co since 2009 and operates Karalius & Associates Insurance and Financial Services, LLC, where he brokers non-registered insurance products. Outside of his advisory work, Weller serves as Vice President of a local BNI networking group and is a board member of the Royersford Parks and Recreation Commission. Eagle Strategies serves a diverse client base including individual investors and institutional plans, offering financial planning, investment management, and retirement-plan advisory services. The firm provides tailored solutions through multiple program types and primarily manages assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Guglielmo Tullio is a financial advisor with TIAA-CREF, holding Series 63 and Series 66 designations and eight years of industry experience. His prior roles include positions at Clarfeld, Citizens Securities, Inc., and Wells Fargo Clearing. 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 with existing employer retirement plan relationships. The firm provides tailored portfolio management under a fiduciary standard and acts as adviser to a donor-advised fund, utilizing a vertically integrated approach with affiliated funds.

Patrick Mullen is a financial advisor at Citizens Securities, Inc. with 22 years of industry experience. He holds Series 63 and Series 66 licenses. His prior work includes roles at Cetera Investment Services, First National Bank of Pennsylvania, PNC Investments, Key Investment Services, and Santander Securities. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans. The firm offers investment advisory programs as well as brokerage and insurance services, including a digital advisory program that utilizes proprietary algorithms to recommend ETF-based portfolios.

Bruce Lord Jr. is a financial advisor at Janney Montgomery Scott with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Morgan Stanley Private Bank. He serves as an elected School Board Director for the Springfield School District in Pennsylvania. 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, and institutional clients, offering a range of brokerage, financial planning, and advisory services.

Julie Aranowitz is a financial advisor with GWN Securities Inc. in Wayne, PA, holding CFP®, Series 63, and Series 65 credentials and having 11 years of industry experience. She has worked at GWN Securities since 2015 and at Kades-Margolis Corporation since 2014. Outside of her advisory role, she is licensed as an insurance agent specializing in life and long-term care insurance. GWN Securities provides investment advisory services to individual and corporate clients through various managed account programs and financial planning, utilizing both affiliated and unaffiliated sub-advisers. The firm incorporates market-timing and momentum-based strategies alongside model-based allocations in its portfolio management approach.

Ashley Mc Neely is a financial advisor at Hornor, Townsend & Kent, LLC with five years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Ameriprise, Charles Schwab, Cetera Advisors LLC, and Thrivent Financial, among others. Outside of her advisory role, she manages an advisory business through Certainty of the Uncertainty, LLC. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans by offering advisory programs, financial planning, and retirement plan consulting. The firm combines advisory and broker-dealer services and utilizes third-party asset manager relationships to provide both discretionary and non-discretionary account options.

David Jwanier is a financial advisor with Carson Wealth, holding Series 63 and Series 65 licenses and eight years of industry experience. He has previously worked at firms including Cetera, Voya Financial Advisors, and Capital One Investing. Outside of his advisory role, he is a fractional owner of racehorses through The Stable.ca and Hold the Line Stable. Carson Wealth is an SEC-registered investment adviser managing approximately $50.6 billion across a network of more than 650 advisors. The firm offers discretionary asset management, financial planning, and retirement plan services, utilizing model portfolios and tailored solutions supported by a dedicated Investment Committee and integrated technology and custodial relationships.

Ashley Nimon is a CFP® and holds a Series 65 license with four years of industry experience. She has worked at Corient since 2022 and previously held roles at Radnor Financial Advisors, MassMutual Greater Philadelphia, and Northwestern Mutual. Outside of financial services, she was involved with the Smokehouse Tavern and has experience connected to Temple University. Corient provides investment advisory and financial planning services to individual and high-net-worth clients, trusts, pension plans, charitable organizations, and corporate entities. The firm uses a goals-based, team investment approach that integrates in-house strategies with third-party manager solutions, employing risk management tools and alternative investment options tailored to client objectives.

William Zittle V is a financial advisor at Citizens Securities, Inc. with one year of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Trinity Wealth Securities, LLC, Florida Financial Advisors DBA Tristate Financial Advisors, and Enterprise Mobility. He has business experience outside finance, including a role at Wickleins Native Plants. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs as well as brokerage and insurance services. The firm operates both digital and managed account advisory platforms and is fully owned by Citizens Bank, N.A.

J Corle is a CFP®-designated financial advisor with Kestra Advisory Services, bringing 30 years of industry experience. He has worked with Kestra Advisory since 2016 and has longstanding ties to Kestra Investment Services, LLC and Tycor Benefit Administrators, Inc. Outside of his advisory role, Corle is the owner of Tycor Financial Group, which provides consulting and business oversight services. Kestra Advisory Services offers investment advisory and retirement-plan consulting to a wide range of institutional and individual clients, including plan sponsors. The firm provides fiduciary services, plan design, investment due diligence, and access to multiple management platforms and third-party solutions, serving approximately $79.8 billion in assets, including large institutional investors such as sovereign wealth funds.

Bryan Benner is a financial advisor at Commonwealth Financial Network with 28 years of industry experience. He holds the CFP® and ChFC® designations, along with a Series 66 license. Prior to joining Commonwealth in 2017, he worked at firms including American General Life, Tegler Machenry, Legancy Planning Partners, Securian Financial Services, and Vanguard Advisers. Benner is also the sole owner of an operating company that manages his marketing and entertainment business expenses. 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 hundreds of thousands of clients. The firm manages roughly $212.7 billion in assets and offers a range of managed-account programs, third-party asset manager access, retirement consulting, and custody services.

Daniel Flamma is a financial advisor with Equity Services, Inc. (ESI Financial Advisors) and holds Series 63 and Series 66 credentials. He has 24 years of industry experience, including roles at Wells Fargo Clearing, PNC Wealth Management, and Lincoln Financial Distributors. Outside of his advisory work, he serves as a treasurer for the Shadowbrook Home Owners Association and has been involved as a board member and boys field coordinator for a lacrosse league. 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, frequently incorporating third-party asset managers and model portfolios, and combines long-term strategies with options for shorter-term trading and specialized instruments.

David Najim is a financial advisor at Guardian Life with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Guardian Life and its affiliated entities since 2010. Najim has also worked with Park Avenue Securities since 2024. 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 a range of financial planning, consulting, and investment management solutions, combining advisor-led discretionary management with model-based strategies and access to both proprietary and third-party platforms.

Patrick Brough is a financial advisor with Eagle Strategies (NY Life) based in Havertown, PA, holding the ChFC® and Series 63 credentials and bringing 36 years of industry experience. He has been affiliated with Nylife Securities Inc. since 1989. Outside of his advisory role, Brough is involved in insurance brokering and serves as a wholesale general agent of employee benefits. Eagle Strategies serves a diverse client base including individual investors, retirement plans, and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple advisory programs and emphasizes tailored recommendations, with the majority of its assets managed on a non-discretionary basis.