Brian Daly is a financial advisor with Guardian Life in Raritan, New Jersey, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Guardian Life Insurance Co of America for 20 years. Daly is also involved in managing an LLC through which he sells non-Guardian insurance products. Guardian Life’s subsidiary, Park Avenue® Wealth Management, 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 and consulting services, combining advisor-led management with model-based strategies and proprietary programs, supported by platforms such as Envestnet and Pershing.

Joseph Scalzo is a financial advisor with Commonwealth Financial Network in Clinton, NJ, holding Series 63 and Series 65 licenses and 29 years of industry experience. He previously worked at Edward Jones for 15 years and MetLife Investment Fund Services LLC for one year. He also engages in fixed insurance sales, spending a small portion of his time on this activity. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and hundreds of thousands of clients. The firm offers a broad support platform including managed-account programs, third-party asset manager access, and custody services, managing roughly $212.7 billion in client assets.

Carmine Tango is a financial advisor at Janney Montgomery Scott with 13 years of industry experience. He holds a Series 66 designation and has worked at Janney since 2020. Prior to that, he was employed at Bank of America and Merrill. 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, offering brokerage services, financial planning, consulting, and multiple advisory programs, utilizing both in-house and third-party portfolio management.

August Ferretti is a financial advisor with Bankers Life Advisory Services, Inc., holding Series 63 and Series 65 credentials and bringing nine years of industry experience. He has been with Bankers Life Advisory Services since 2018 and also serves as an insurance agent and unit sales manager with Bankers Life & Casualty since 2002. Outside of his advisory role, he owns and operates an LLC managing a vacation rental property in Kitty Hawk, North Carolina, which offers rental services through the website obxluxuryrentals.com. Bankers Life Advisory Services, Inc. is an SEC-registered investment adviser serving mass-affluent and high-net-worth individuals with discretionary portfolio management, investment consulting, and retirement plan services. The firm combines fundamental, technical, and cyclical analysis to tailor asset allocations and portfolio management aligned with clients' goals and risk tolerances.

Kyle Vito is a financial advisor at PNC Wealth Management with 12 years of industry experience. He holds a Series 66 designation and has previously worked at Equitable Advisors and AXA Advisors, LLC. PNC Wealth Management provides retail brokerage and advisory services through several model-based programs, including an online, discretionary model account offered as an invitation-only employee pilot. The firm uses algorithmic digital questionnaires to recommend investment risk bands and implements portfolios primarily through mutual funds and ETFs with annual rebalancing.

Christine Taylor is a financial advisor at Janney Montgomery Scott with 19 years of industry experience. She holds a Series 66 designation and previously worked at UBS for 10 years before joining Janney Montgomery Scott in 2022. 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, corporations, and charitable organizations, offering brokerage services, financial planning, and advisory programs through a combination of in-house and third-party portfolio management.

Omar Olivieri is a Chartered Financial Consultant (ChFC®) with 12 years of industry experience. He is currently with PNC Wealth Management and has held prior roles at Santander Securities, Santander Bank, Lovesac, and J.P. Morgan Chase Bank. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including the Portfolio Solutions Strategist Digital Offering, an invitation-only online discretionary model account that uses algorithmic risk assessment and employs third-party strategists to manage investments via mutual funds and ETFs.

Sheldon Ferriss Jr. is a financial advisor at Janney Montgomery Scott with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing, Flagstar Securities, Inc., Citigroup Global Markets, and Citicorp Investment 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 diverse client base including individuals, families, trusts, corporate and retirement plan sponsors, and municipal clients, offering a range of brokerage, financial planning, and advisory services.

Timothy Hyland is a CFP® with 25 years of industry experience, currently affiliated with Hornor, Townsend & Kent, LLC. He has worked at Penn Mutual and Hornor, Townsend & Kent since 2002. Outside of his advisory role, he is the proprietor of Stone Hill Financial LLC, a multi-line insurance business involved in employee benefits and insurance sales. Hornor, Townsend & Kent serves individuals, trusts, businesses, charities, and retirement plans through a broad network of advisers, offering advisory programs, financial planning, and retirement consulting. The firm operates both advisory and broker-dealer services, managing substantial assets under management through third-party asset manager relationships and providing tailored investment solutions.

Terrence Norton is a financial advisor with PNC Wealth Management, holding Series 63 and Series 66 licenses and 26 years of industry experience. He has been with PNC Investments since 2008 and worked at Merrill from 2003 to 2008. Outside of his advisory role, he has been involved as a landlord in a non-investment business. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account for employees that uses algorithmic risk assessment and manages portfolios via approved strategies with mutual funds and ETFs.

Dennis Gunn is a CFP® with 41 years of industry experience, currently serving at Hornor, Townsend & Kent, LLC. He has been with the firm and its affiliate Penn Mutual Life Insurance Company since 2010. Outside of his advisory role, he is actively involved in life insurance brokerage through Primary Financial and Stone Hill Financial, focusing on life insurance, annuities, disability, and pension plan investments. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans with advisory programs and financial planning services. The firm offers both advisory and broker-dealer capabilities, managing approximately $8.37 billion in discretionary assets under management as of December 31, 2025.

Nicholas Cooper is a financial advisor at Commonwealth Financial Network with four years of industry experience. He holds the Series 65 designation and previously worked at RMR Wealth Builders, Inc. and WMS Partners, LLC. 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 managing around $212.7 billion in client assets. The firm provides a broad adviser-support platform, including managed-account programs, access to third-party asset managers, and custody services.

Amanda Glanz is a CFP® with 24 years of industry experience. She is currently with NewEdge Advisors and previously worked at Janney Montgomery Scott, LLC and UBS Financial Services Inc. Ms. Glanz is also a licensed insurance agent. NewEdge Advisors is an enterprise-scale registered investment adviser serving individuals, including high-net-worth clients, pension plans, corporations, and charitable organizations through a network of independent advisers. The firm offers a wide range of portfolio management and consulting services, utilizing both in-house and third-party investment strategies supported by centralized due diligence and technology tools.

Paul De Biasse is a Series 66-registered financial advisor with Eagle Strategies (NY Life) and has eight years of industry experience. He previously worked at Horizon Wealth Strategies, LLC for five years and spent 12 years with Zignago Glass USA Inc. Eagle Strategies serves a broad mix of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers. The firm offers tailored solutions including fee-based advice and retirement plan consulting, with most assets managed on a non-discretionary basis.

Nicole Kramlick is a financial advisor at Janney Montgomery Scott with 33 years of industry experience. She holds the Series 63 and Series 66 designations and has been with Janney Montgomery Scott since 2009. Janney Montgomery Scott LLC is a large 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, financial planning, and advisory services.

Joan Check is a CFP®-certified financial advisor with 22 years of industry experience. She is currently affiliated with Empower Advisory Group and has held prior roles at firms including Empower Retirement Services, Eagle Strategies LLC, and New York Life Insurance Company. Outside of her advisory work, she serves as executrix for a personal estate and receives trailing commissions from a formerly operated property and casualty insurance agency. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain retail clients. The firm utilizes an integrated model tied to Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Cory Gearhart is a financial advisor with PNC Wealth Management, holding Series 63 and Series 65 licenses and 18 years of industry experience. He has been with PNC Investments, LLC since 2013. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model portfolio available to employees with PNC Bank online credentials. The program uses algorithm-driven risk assessment and approved model strategies managed by PNC or third parties, with portfolio implementation delegated to external service providers.

Suzana Romine is a financial advisor at Transamerica Financial Advisors with 18 years of industry experience. She holds a Series 66 designation and has previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Romine performs home office functions for other business units within Transamerica Financial Advisors. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a wide range of clients, including individuals, employer-sponsored plans, trusts, and charitable organizations. The firm utilizes model portfolios and third-party managers across multiple platforms to deliver its services, managing approximately $1.7 billion in assets under management.

John Riebling is a financial advisor with Eagle Strategies (New York Life) based in Chester, NJ, holding Series 63 and Series 65 credentials and with 29 years of industry experience. He has been affiliated with Eagle Strategies Corp, Nylife Securities Inc., and New York Life Insurance since 1997 and operates Riebling Wealth Strategies, LLC. Outside of his advisory roles, he is an investor in Mountain Laurel Spirits, LLC, a company that distills, ages, bottles, and sells rye whisky. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated investment adviser representatives. The firm offers a variety of program types and emphasizes tailored recommendations, managing the vast majority of regulatory assets on a non-discretionary basis.

Karen Kursar is a financial advisor with PNC Wealth Management in Bridgewater, NJ, holding a Series 66 designation and 19 years of industry experience. Her career includes roles at PNC Investments, PNC Investments LLC, PNC Bank, and Ameriprise. PNC Wealth Management provides retail brokerage and advisory services, including a model-based digital offering that uses algorithm-driven risk assessments to manage investments via approved strategies executed with mutual funds and ETFs. This invitation-only, employee pilot program emphasizes model implementation with limited direct client trading options.