Benjamin Dzialo is a CFA® charterholder with 20 years of industry experience. He is currently with Foundations Investment Advisors LLC and has previously worked at Alt Fund Distributors, Abbey Capital (US) LLC, and Help To Retire Group. In addition to his advisory role, he acts as an insurance agent for Combined Benefits United. Foundations Investment Advisors, LLC provides financial planning and portfolio management services to individual and high-net-worth clients, employer-sponsored retirement plans, and registered investment companies. The firm employs a combination of fundamental, technical, and cyclical analysis, using model portfolios and discretionary authority through a broad network of affiliated advisers.

Alphonso Brown is a financial advisor with Principal Financial Services, holding Series 63 and Series 65 licenses and five years of industry experience. He previously worked at Morgan Stanley for 30 years and spent four years at NYLIFE Securities LLC before joining Principal. 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 managers through distinct adviser and promoter arrangements.

William Oppenheim Jr. is a financial advisor with Oppenheimer, holding Series 63 and Series 65 credentials and bringing 47 years of industry experience. He previously worked at Deutsche Bank Securities Inc. from 2001 to 2008 before joining Oppenheimer in 2008. Outside of his advisory role, he serves as a trustee or co-trustee for numerous family trusts and is involved with the Franklin Memorial/Farmington Hospital Finance Committee. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, pooled investment vehicles, and IRAs. The firm offers a range of advisory programs across equity, balanced, and fixed-income portfolios, with both discretionary and non-discretionary management.

Alex Szczepanski is a financial advisor at Janney Montgomery Scott with a Series 66 designation and one year of industry experience. Prior to joining Janney, he held roles at Dereli Hospitality Corp and Jetrod Restaurant Depot, among other positions. He has also been involved with Binghamton University and the Developmental Disabilities Institute. 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, and institutional clients, offering brokerage services, financial planning, and advisory programs through a combination of in-house and third-party portfolio management.

Daniel Elmlinger is a financial advisor at TIAA-CREF with 37 years of industry experience. He holds Series 63 and Series 66 licenses and has been with TIAA-CREF since 2004. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning, discretionary managed accounts, and broker-dealer services primarily to individuals connected to TIAA-administered retirement plans, as well as to trusts, estates, and small retirement plans. The firm offers both point-in-time financial planning and ongoing portfolio management, including customized portfolios managed under client-approved investment policies.

Eloy Nava is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at Commonwealth Financial Network since 1996 and is also involved with Nava Stamp Company, a business he has operated since 2000. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients, offering a variety of advisory programs and services. The firm provides technology, trading, compliance, and practice-management support while allowing advisors discretion in portfolio construction and access to managed model portfolios through its Investment Management and Research team.

Vincent Cagnina is a financial advisor with Guardian Life, holding Series 63 and Series 65 licenses and nine years of industry experience. His prior roles include positions at Kingswood Wealth Advisors, Northwestern Mutual, Raymond James Financial Services, and various divisions of Guardian Life. He is also involved in health insurance brokerage through PGP. Guardian Life’s subsidiary, Park Avenue® Wealth Management, offers brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm combines advisor-led discretionary management with model-based strategies and provides access to proprietary programs, third-party solutions, and insurance products through its established relationship with Guardian Life.

Mark Renna is a financial advisor at Citigroup Global Markets with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Citigroup since 2014. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs, broker-dealer execution, and custody services. The firm utilizes multi-asset, multi-manager strategies with both discretionary and non-discretionary options, supported by in-house research and specialized market roles.

Shaun Flegal is a CFA® charterholder with 14 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. He previously worked at Morgan Stanley Smith Barney LLC for 10 years and Merrill for two years. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm follows standardized asset-allocation models with tailored recommendations based on client goals and risk tolerance, offering guidance on a range of investments while requiring client authorization for all trades.

Pascal Lanotte is a CFP® with 34 years of industry experience, currently affiliated with Commonwealth Financial Network. He has a long tenure with Securities America Advisors, Inc., spanning over two decades before joining his current firm. Lanotte also spends time in fixed insurance sales. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser supporting a national network of approximately 2,900 advisors. The firm provides a comprehensive adviser-support platform with managed-account programs, third-party asset manager access, and extensive custody and clearing services.

Lawrence Keller is a CFP® and ChFC® with 34 years of industry experience. He is affiliated with Guardian Life and Park Avenue Securities, where he has worked in various capacities since 2003. Outside of his advisory role, he engages in professional public speaking on insurance topics, including disability and life insurance. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers tailored financial planning and investment solutions through a combination of advisor-led discretionary management and model-based strategies.

Andrew Galimi is a financial advisor at Citigroup Global Markets with 24 years of industry experience. He holds Series 63 and Series 65 designations and has been with Citigroup Global Markets since 2007. Outside of his advisory role, he is a co-owner of 23 Suburban Avenue LLC. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset and multi-manager investment programs through discretionary and non-discretionary approaches. The firm operates with large institutional scale, providing a range of advisory, execution, and custody services, including derivatives and futures trading.

Bradley Cammett is a CFP® with five years of industry experience, currently serving as a financial advisor at Hightower Advisors since 2025. His prior roles include positions at Fidelity Investments and Safran Aerospace Composites, as well as work tied to Bentley University and Market Basket. Hightower Advisors provides investment advisory and planning services to a broad range of individual and institutional clients, emphasizing manager selection and multi-manager solutions through affiliated and third-party managers. The firm offers discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting, supported by proprietary research and operational features catering to complex investment needs.

John Marcel is a financial advisor with Guardian Life and Park Avenue Securities, holding the CFP® and Series 63 designations and bringing 48 years of industry experience. He has worked at Guardian Life since 1997 and with Park Avenue Securities since 2007. Outside of his advisory role, he is co-executor of a family estate and is involved with Madison Park Consultants, Inc., which places insurance products beyond those offered by Guardian. Park Avenue Securities LLC, a subsidiary of Guardian Life, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers tailored financial planning and advisory solutions through a combination of discretionary management, model-based strategies, and digital platforms.

Paul Kim is a CFA® charterholder with 14 years of industry experience. He has worked at Commonwealth Financial Network since 2017 and previously at National Planning Corporation from 2011 to 2017. Kim is also involved with Paris International Corp, where he has been active since 2010. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and support services, including wealth management and retirement plan consulting, while offering advisors discretion to construct portfolios using various securities and insurance products.

Gina Martinez is a financial advisor with Hightower Advisors, holding Series 63 and Series 66 registrations and bringing 24 years of industry experience. Prior to joining Hightower in 2020, she worked with United Asset Strategies, Eagle Strategies, New York Life Insurance Company, and NYLife Securities. Outside of her advisory role, she serves as a spin instructor at Gold’s Gym. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individual and institutional investors such as pension plans, charitable organizations, and corporations. The firm’s approach emphasizes multi-manager solutions, utilizing both affiliated and third-party managers with a range of investment strategies and operational features tailored to complex portfolios.

Robert Gallo is a financial advisor at TIAA-CREF with 20 years of industry experience. He holds Series 63 and Series 65 credentials and has been with TIAA-CREF since 2014. TIAA-CREF Individual & Institutional Services, LLC provides financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals connected to TIAA-administered retirement plans, as well as various institutional clients. The firm offers a distinct advisory model separating one-time planning services from ongoing discretionary management and acts as adviser to a donor-advised fund.

Bruce Somer is a financial advisor at Janney Montgomery Scott with Series 63 and Series 65 licenses and 32 years of industry experience. He has held positions at Morgan Stanley Smith Barney and Citigroup Global Markets. 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 municipal clients, offering brokerage services, financial planning, and advisory programs.

Howard Mascoe Jr. is a financial advisor at Equity Services, Inc. with eight years of industry experience. He holds the Series 63 and Series 66 designations. His prior work includes roles at National Life Group, Equitable Advisors, LLC, and Primerica Advisors, among others. Outside of his advisory work, he has been a sales associate at Venus Et Fleur. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm employs multiple advisory platforms and third-party asset managers, blending long-term strategies with options for shorter-term trading, and offers both discretionary and non-discretionary management approaches.

Marc Scharf is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 65 licenses and eight years of industry experience. He previously worked at Advisory Services Network, LLC for three years before joining Private Advisor Group in 2018. In addition to his advisory role, Mr. Scharf consults for the National Network of Accountants and Independent Captive Associates, focusing on investment advisory revenue streams and business development. Private Advisor Group serves individuals, trusts, businesses, and retirement plans with discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm employs a fiduciary-based advisory model that includes access to proprietary and third-party managed account solutions and utilizes multiple investment strategies implemented through a variety of platforms and portfolio managers.