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 two years of industry experience. He holds the Series 63 and Series 66 designations and has prior experience at Northern Lights Distributors, Toews Corporation, and Marsh & McLennan Companies. Outside of advising, he has worked with Community Action of Delaware County’s VITA IRS program and taught at Eastern University and Temple University. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain IRA and retail brokerage clients. The firm’s integrated approach combines proprietary and third-party methodologies focused on long-term returns and annual rebalancing, delivered at scale through close affiliation with Empower’s recordkeeping and administrative platforms.

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.

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.

Waseem Khan is a financial advisor at TD Private Client Wealth LLC with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at TD Private Client Wealth LLC and TD Bank N.A. since 2022, following prior roles at Wells Fargo Clearing, Wells Fargo Advisors, LLC, and Wells Fargo Bank NA. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail investors, using a combination of strategic and tactical asset allocation with investments from both affiliated and third-party sub-managers.

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 Series 63 license, and has 33 years of industry experience. He has been with Private Advisor Group and LPL Financial since 2014 and operates Gaur Financial Associates, LLC. Private Advisor Group serves a diverse client base including individuals, businesses, trusts, estates, and charitable organizations, offering portfolio management, financial planning, and retirement plan consulting. The firm provides access to third-party asset managers, turnkey asset management platforms, and its own WealthSuite separately managed accounts program.

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.

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.

Gregory Kupiec is a financial advisor at Private Advisor Group, LLC with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at LPL Financial since 2003. Kupiec is also involved in insurance sales, including fixed annuities, term and whole life insurance, and health and accident insurance. Private Advisor Group, LLC manages over $41 billion across more than 135,000 client relationships, serving individuals, trusts, estates, charitable organizations, and corporate and retirement plan clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party asset management programs, employing various investment strategies and coordinating services through multiple custodians.

Khalid Najadat is a financial advisor at TD Private Client Wealth LLC in Philadelphia, PA, holding Series 63 and Series 65 designations with three years of industry experience. His prior work includes roles at Bank of America and AFH Sotheby's International Realty. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional, high-net-worth, and retail clients, combining strategic and tactical asset allocation through portfolios managed by affiliated and third-party sub-managers.