Mary Francesca Miller is a financial advisor at Schwab Wealth Advisory with a Series 66 designation and one year of industry experience. Her prior work includes roles at Bank of America, Merrill Lynch, UBS Financial Services, and Charles Schwab. She also spent over a decade in full-time education before entering the financial services industry. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations. The firm’s advice is based on Charles Schwab’s asset allocation models and research tools, with clients retaining final trading decisions.

Samuel Pemberton is a CFP® professional with 14 years of industry experience, currently serving at TD Private Client Wealth LLC. His prior experience includes roles at The Vanguard Group, LPL Financial, Citrin Cooperman Wealth Management, and Mass Mutual Investors Services. TD Private Client Wealth LLC offers discretionary wrap-fee managed account programs and brokerage services to institutional and high-net-worth private clients. The firm manages portfolios using a combination of strategic and tactical asset allocation with investments from affiliated and third-party sub-managers.

Thomas Simons is a financial advisor at Hornor, Townsend & Kent, LLC with 30 years of industry experience. He has been with Hornor, Townsend & Kent since 1996 and is registered with a Series 66 designation. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a network of advisers. The firm offers advisory programs, financial planning, and retirement plan consulting, combining SEC-registered advisory services with broker-dealer capabilities.

Gurpreet Singh is a financial advisor at Citizens Securities, Inc. with five years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at JP Morgan Securities LLC and JP Morgan Chase Bank, N.A. His background includes roles at Bank of America and Broker Genius. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and retirement plans, offering both advisory programs and brokerage and insurance services. The firm’s offerings include a digital advisory program that uses proprietary algorithms and client risk assessments to recommend ETF-based portfolios, alongside managed account programs.

Matthew Horan is a financial advisor at Corient with a Series 65 designation and less than one year of industry experience. His prior work includes roles at Temple University, My CIO Wealth Partners, and Aronimink Golf Club. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high‑net‑worth clients, trusts, pension plans, charitable organizations, and corporate entities. The firm employs a goals‑based, team investment approach that integrates individual security strategies with third‑party manager solutions and specialized offerings through affiliates.

Mitchell Kaup is a financial advisor at Hornor, Townsend & Kent, LLC with two years of industry experience. He holds a Series 66 designation and has prior work experience with Penn Mutual Life Insurance Company, Ameritas Investment Company, Ameritas, the University of Nebraska Lincoln, and Marshall Engines. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory programs, financial planning, and retirement plan consulting. The firm offers both advisory and broker-dealer services, with a platform that includes third-party asset manager relationships and provides discretionary and non-discretionary account options.

Michael Welsh is a financial advisor at Citizens Securities, Inc. in Conshohocken, PA, holding a Series 66 designation with four years of industry experience. His previous roles include positions at Bank of America, Merrill, and P.J. Schneiders & Company. 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’s advisory offerings include a digital advisory program and a Managed Account program, operating as both a broker-dealer and an insurance agency.

Sean Murphy is a financial advisor with GWN Securities Inc. in Wayne, PA, holding a Series 66 designation and two years of industry experience. Prior to joining GWN Securities in 2023, he worked at Kades-Margolis Corporation and has experience in life and health insurance sales. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios. The firm manages approximately $3.65 billion across more than 37,000 accounts and offers a range of investment programs including SMA, UMA, and fund-strategist options on the Fidelity-supported FMAX platform.

James Murray is a financial advisor with Principal Financial Services, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked at Principal Securities since 2016 and has been with Financial Advisors of Delaware Valley and Principal Life Insurance Company since the early 2000s. Outside of his advisory role, he is president of the Committee to Benefit the Children, a Philadelphia-based charity, and serves as a board member of The Springhaven Club. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed accounts.

Ernest Martinelli is a financial advisor at Centaurus Financial, Inc. with 40 years of industry experience. He holds a Series 63 designation and has worked at Centaurus since 2017, following prior roles at Mass Mutual Investors Services and AXA Advisors. Outside of his advisory work, he is involved in the sale and service of group benefit plans and advises clients on property and casualty insurance. Centaurus Financial, Inc. provides advisory and brokerage services to individuals, families, businesses, and institutions. The firm offers a range of financial planning and portfolio management services, employing both discretionary and non-discretionary strategies supported by a variety of analytical approaches.

Kevin Kulak is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 63 and Series 65 licenses and totaling 11 years of industry experience. His prior roles include positions at Brinker Capital, Sanford C. Bernstein & Co., and The Vanguard Group. Kulak is also involved in the sale of insurance products outside of Guardian’s offerings. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management and a subsidiary of Guardian Life Insurance Company of America, serves individuals, pension plans, charitable organizations, and corporate clients with brokerage, financial planning, retirement consulting, and investment advisory services. The firm offers discretionary and non-discretionary advisory relationships using a range of proprietary and third-party model portfolios.

Patrick Bello is a financial advisor with GWN Securities Inc. in Wayne, PA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. His prior roles include positions at Merrill and Mutual of Omaha Investor Services. He is also associated with Kades-Margolis Corporation as a DBA. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients with discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios. The firm manages approximately $3.65 billion across more than 37,000 client accounts through a network of about 423 advisors.

David Little is a CFP®-credentialed financial advisor with 28 years of industry experience. He is currently with RBC Rochdale, LLC and has previously worked at CNR Securities, LLC, BNY Mellon Advisors, Inc., and Lockwood Financial Services, Inc. His career spans roles at notable firms including two separate tenures at BNY Mellon Advisors. RBC Rochdale serves a diverse clientele, including high net worth individuals, corporations, charitable organizations, and government entities. The firm employs an active, multi-strategy investment process that integrates quantitative and fundamental analysis, utilizing proprietary tools and a range of asset classes to tailor portfolios to clients’ Investment Policy Statements.

Thomas Macaluso is a CFA® charterholder and Series 63 licensee with six years of industry experience. He has worked at HighTower Advisors since 2020 and previously held positions at The Vanguard Group, Link Industrial Properties, and True Value Hardware. Outside of his advisory role, he is a limited partner at The Classic Swing Golf Lounge, where he contributes to bookkeeping review and operational analysis. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individuals, institutions, pension plans, and charitable organizations. The firm emphasizes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers along with proprietary research and a range of investment vehicles.

Michael Calafati is a financial advisor with Eagle Strategies (New York Life) in Harleysville, PA, holding Series 63 and Series 66 credentials and 29 years of industry experience. He has worked with Eagle Strategies since 2008 and operates Calafati Financial Group, which sells New York Life products and brokers non-registered insurance products. He is also a passive investor in BLOCS Scholarship LLC. Eagle Strategies serves a diverse client base, including individuals and institutional investors, offering financial planning, investment management, and retirement-plan advisory services through a network of affiliated representatives. The firm emphasizes tailored advice and primarily manages assets on a non-discretionary basis, working within an integrated New York Life affiliate structure.

Steven Lane is a CFP® with 23 years of industry experience, currently affiliated with Janney Montgomery Scott where he has worked since 2009. He serves on the endowment committee board of Westminster Presbyterian Church. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets, serving a diverse range of clients through a combination of in-house portfolio management and third-party managers across multiple advisory programs.

Meghan Kelly is a financial advisor at Citizens Securities, Inc. with five years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Wells Fargo and Northwestern Mutual. Kelly serves on the boards of two nonprofit organizations, Friends of Delaware County Women and Pennsylvania Resources Council. Citizens Securities serves individual and high-net-worth investors with a range of brokerage, advisory, and insurance services. Its offerings include a digital advisory program and managed accounts, supported by the firm’s affiliation with Citizens Bank, N.A.

Justin Hales is a financial advisor at PNC Wealth Management with Series 63 and Series 66 credentials and four years of industry experience. His prior work includes roles at Equitable Advisors, The Rhoads Garden, and a 17-year tenure at The Vanguard Group. PNC Wealth Management provides retail brokerage and advisory services through model-based programs, including an invitation-only digital offering that uses discretionary model accounts managed by PNC or third-party strategists.

David Courlang is a financial advisor at Principal Financial Services with five years of industry experience. He holds Series 63 and Series 65 designations and has worked at multiple firms including Principal Securities, NYLIFE Securities, and Primerica Advisors. In addition to his advisory role, he writes life, annuity, disability, long-term care, group, and individual insurance policies through various carriers. Principal Securities provides brokerage and registered investment advisory services to a wide range of clients, including individuals, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty military personnel abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Melissa Howard is a financial advisor with Citizens Securities, Inc. in Conshohocken, PA, holding a Series 66 credential and 11 years of industry experience. Her prior work history includes roles at Santander Securities, LLC, and Santander Bank, NA. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors as well as retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm’s offerings include a digital advisory program with ETF-based portfolios managed via proprietary algorithms, in addition to commission-based brokerage services.