Ethan Collins is a financial advisor at Hightower Advisors with 24 years of industry experience. He holds a Series 66 designation and has been with Hightower Advisors and its affiliated broker-dealer, Hightower Securities, LLC, since 2014. The firm provides investment advisory and planning services to a diverse client base, including individuals, institutions, pension plans, charitable organizations, and corporations. Hightower's advisory approach emphasizes manager selection and multi-manager solutions, utilizing proprietary research and a range of investment vehicles such as mutual funds, ETFs, and alternative investments.

Christine Curtiss is a financial advisor at Citigroup Global Markets with 23 years of industry experience. She holds Series 65 and Series 63 designations and has worked at BNY Mellon Securities Corporation and BNY Mellon prior to joining Citigroup. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and features in-house research and unique market roles such as swap dealing and futures commission merchant activities.

Daniel Rowles is a CFP® and holds a Series 66 license with 22 years of industry experience. He has worked at Private Advisor Group, LLC and LPL Financial since 2011 and previously held roles at Ridgeway Conger Advisory Services, Merrill, PNC Wealth Management, and Citigroup Global Markets. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by providing portfolio management, financial planning, retirement plan consulting, and access to various advisory programs. The firm employs a fiduciary-based model that incorporates third-party managers and technology platforms to implement diversified investment strategies.

Tyler Foley is a financial advisor at Key Investment Services LLC with nine years of industry experience. He holds Series 63 and Series 66 designations and has worked at Key Investment Services and KeyBank, among other firms, since 2017. Key Investment Services LLC serves a diverse client base including individuals, trusts, estates, small businesses, and corporate clients through various advisory programs and investment products. The firm emphasizes client direction in investment decisions and provides oversight of third-party advisory products, while operating within the KeyCorp group and collaborating closely with affiliated financial entities.

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.

Alia Mendez Taylor is a financial advisor at Transamerica Financial Advisors with eight years of industry experience. She holds a Series 66 credential and has previously worked at Janney Montgomery Scott LLC, LPL Financial, and M Financial Planning Services. Transamerica Financial Advisors serves a broad client base, including individual investors, pension plans, trusts, and charitable organizations. The firm provides both advisory and broker-dealer services, offering proprietary and third-party model portfolios with discretionary and non-discretionary management options.

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.

Yale Joseph is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 65 designations and bringing 34 years of industry experience. His prior work includes ten years at Wells Fargo Clearing and one year at Wells Fargo Advisors LLC. 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 sponsors, offering a range of brokerage services, financial planning, and advisory programs through both in-house and third-party managers.

Robert Eberly is a financial advisor at Janney Montgomery Scott with 44 years of industry experience. He holds a Series 63 designation and has been with Janney Montgomery Scott since 2009. The firm is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. Janney serves a wide range of clients, including individuals, families, trusts, corporate and retirement plan sponsors, and charitable organizations, offering brokerage services, financial planning, and advisory programs through both in-house and third-party portfolio management.

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.