Robert Halligan is a ChFC® with 43 years of experience in the financial services industry. He has been with Hornor, Townsend & Kent, LLC since 1988 and maintains a long-standing relationship with Penn Mutual Life Insurance Company dating back to 1979. Outside of his advisory role, he owns and operates Halligan Financial Partners, a life insurance brokerage. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory programs, financial planning, and retirement plan consulting. The firm provides both advisory and broker-dealer services, managing approximately $8.37 billion in discretionary assets under management as of December 31, 2025.

Theodore Cohn is a ChFC® credentialed advisor with 47 years of industry experience, currently with Lincoln Investment since 2012. He also has a longstanding affiliation with Capital Analysts Incorporated dating back to 2001. In addition to his advisory work, he owns a business focused on the sale of fixed and group insurance products and has been involved in non-variable life settlement transactions. Lincoln Investment Planning, LLC is a large enterprise firm serving a diverse client base including individual and high-net-worth investors, trusts, charities, and retirement plans. The firm provides financial planning, portfolio management, and advisor-led consulting, supported by an in-house investment management team and use of third-party managers.

Heather Robb is a financial advisor at Janney Montgomery Scott with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Janney Montgomery Scott since 2008. 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 organizations, offering brokerage, financial planning, consulting, and various advisory programs.

Christopher Pellegrino is a financial advisor with Citizens Securities, Inc. in Conshohocken, PA, holding Series 63 and Series 65 licenses with 22 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Bank, as well as CCO Investment Services and Citizens Bank. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm’s advisory offerings include a digital advisory program managed with SigFig and a Managed Account program, operating also as a broker-dealer and insurance agency.

David Sandstead is a financial advisor with Principal Financial Services in Wayne, PA, holding Series 63 and Series 65 licenses and having 28 years of industry experience. He has worked with Principal Securities Inc. since 2016 and with Principal Life Insurance Company since 1997. Principal Securities provides brokerage and registered investment advisory services to a wide range of clients, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement consulting, and access to third-party money manager solutions under various advisory and promoter arrangements.

Robert Kedra is a CFP® professional with eight years of experience currently serving at Private Advisor Group, LLC. He has also worked with LPL Financial and FPA Wealth Management since 2018. Outside of his advisory work, he is involved with Main Line Fashion Week and is the founder of a clothing brand company. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering a range of portfolio management and financial planning services. The firm employs a fiduciary-based advisory model and utilizes various technology platforms and investment strategies, often implementing advice through third-party managers and TAMPs.

Stacy Linneman is a CFP® professional with 16 years of industry experience, currently serving at TIAA-CREF in Philadelphia, PA. She has been with TIAA and TIAA-CREF since 2013, holding roles across both entities during that time. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with relationships through TIAA-administered employer retirement plans. The firm operates within a vertically integrated structure and acts as adviser to a donor-advised fund.

David Shoup is a CFP® professional with over 30 years of industry experience. He has been with Hornor, Townsend & Kent, LLC and Penn Mutual Life Insurance Company since 2003. Outside of his advisory role, he is involved in multiple insurance brokerages and participates in a client advocacy networking group that meets regularly to exchange ideas to support client services. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans by offering advisory programs, financial planning, and retirement plan consulting. The firm combines investment advice with brokerage and custody services through its dual SEC-registered adviser and FINRA-member broker-dealer structure.

Johan Scholdstrom is a financial advisor with Commonwealth Financial Network based in Malvern, PA, holding a Series 63 designation and totaling 35 years of industry experience. He has worked at Commonwealth Financial Network and Insurance & Investment Strategies since 2007. Commonwealth Financial Network serves a national network of approximately 2,950 advisors, providing a range of advisory programs and services including wealth management, retirement plan consulting, and access to third-party asset managers. The firm supports advisors with operations, trading, technology, compliance, and practice management, while offering various investment program structures and discretionary model portfolios.

Scott Jefferys is a financial advisor at Hornor, Townsend & Kent, LLC with one year of experience at the firm and over 30 years running his own CPA practice, Jefferys & Associates, P.C. He holds a Series 63 designation and is involved in insurance brokerage through affiliated entities. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory programs, financial planning, and retirement consulting. The firm combines advisory services with broker-dealer capabilities and manages a multi-billion dollar asset base through a network of advisors and third-party asset manager relationships.

Craig Galello is a financial advisor at PNC Wealth Management with 25 years of industry experience. He has been with PNC Investments since 2004 and holds Series 63 and Series 65 licenses. PNC Wealth Management provides retail brokerage and advisory services through model-based programs, including an invitation-only employee pilot offering that uses algorithm-driven risk assessments and discretionary model portfolios managed by PNC or third-party strategists.

Thomas Watkins Jr. is a financial advisor with Lincoln Investment, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience since beginning his career at Lincoln Investment Planning, Inc. in 1982. He serves on the Board of Trustees and Investment and Audit Committees at Springside Chestnut Hill Academy, and he is a member of the John McKee Scholarship Committee, which evaluates scholarship applicants. Lincoln Investment Planning, LLC is a large enterprise advisory and broker-dealer firm serving a diverse client base including individual investors, trusts, charities, and retirement plans. The firm’s investment approach combines in-house portfolio management, third-party managers, and advisor-led consulting, with a focus on both discretionary and non-discretionary client relationships.

Linda Jones is a financial advisor with Bankers Life Advisory Services, Inc. She holds Series 63 and Series 65 licenses and has 13 years of industry experience. Jones has worked with Bankers Life Securities, Inc. since 2016 and with Bankers Life and Casualty since 2009. In addition to her advisory role, she is a captive insurance agent, involved in the sale of health insurance, life insurance, and annuities. Bankers Life Advisory Services, Inc. provides discretionary portfolio management, investment consulting, and retirement plan consulting primarily for mass-affluent and high-net-worth individuals. The firm emphasizes customized asset allocation, tax efficiency, and a combination of fundamental and technical analysis in its investment approach.

Steven Dunn is a financial advisor at Citizens Securities, Inc. with 11 years of industry experience. He holds a Series 66 designation and previously worked at Bank of America, N.A. for nine years. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm’s advisory platforms include a digital advisory program and a Managed Account program, supported by its affiliation with Citizens Bank, N.A.

Denis Hill is a financial advisor with Lincoln Investment in West Chester, PA, holding the CFP® designation along with Series 63, 65, and 66 licenses. He has 23 years of industry experience, including prior roles at Sheppard Financial Group, Brinker Capital Securities, Orion Portfolio Solutions, Forethought Distributors, Global Atlantic Financial Group, and Eaton Vance Management. Lincoln Investment Planning, LLC is a large enterprise advisory and broker-dealer serving individual and high-net-worth investors, trusts, charities, and retirement plans, with a history of working with educators and 403(b) and 457(b) programs. The firm offers financial planning, consulting, and portfolio management through both advisor-managed and firm-managed models, supported by an in-house Investment Management & Research team and third-party managers.

Summer Horan is a financial advisor at Centaurus Financial, Inc. with one year of industry experience. She holds a Series 66 designation and has worked in various roles, including with GM Financial Consultants and PHH Mortgage Corporation. Outside of her advisory work, she provides quoting and customer service for home, auto, and business insurance through CGM Risk Management & Insurance. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base, including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management, retirement-plan consulting, and specialized advisory services, utilizing both discretionary and non-discretionary arrangements.

Austen Lunt is a CFP® with five years of industry experience, currently affiliated with Lincoln Investment in Fort Washington, PA. Prior to joining Lincoln Investment and Capital Analysts in 2021, he held roles at Sewickley Car Store and Leones Pet Supply. He has been involved with La Roche University since 2017. Lincoln Investment Planning, LLC serves a diverse client base including individuals, high-net-worth investors, trusts, charities, and retirement plans, with a longstanding focus on educators and participants in 403(b) and 457(b) programs. The firm offers financial planning, portfolio management, and access to third-party managers, supported by an in-house Investment Management & Research team that develops strategic model portfolios and adaptive investment strategies.

Brian Kelnhofer is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 66 credentials and having six years of industry experience. He has worked at Hornor, Townsend & Kent and Penn Mutual Life Insurance Company since 2020. Outside of his advisory role, he is also an insurance agent involved in multi-line insurance sales and service. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory programs, financial planning, and retirement plan consulting. The firm operates a dual-registered platform combining advisory and broker-dealer services, providing both discretionary and non-discretionary investment solutions.

Alyssa Otway is a CFP® with five years of industry experience, currently serving as a financial advisor at Corient. Her work history includes roles at Corient, Radnor Financial Advisors, Penn Mutual Asset Management, and the Buck's County District Attorney's Office. She holds the Series 65 designation. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, and corporate entities. The firm utilizes a goals-based, team investment approach combining in-house strategies with third-party managers, supported by continuous portfolio monitoring and risk management tools.

Rachel Fix is a financial advisor at Hornor, Townsend & Kent, LLC with two years of industry experience. She holds the Series 66 designation and has previously worked at WHB Financial Advisors and Rockbridge Academy. Outside of advising, she assists with insurance brokerage services related to life products. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory programs, financial planning, and retirement plan consulting. The firm operates both advisory and broker-dealer services, managing billions in assets through a network of advisers and third-party asset manager relationships.