Douglas Hall is a CFP® professional with 27 years of industry experience. He has been with Hornor, Townsend & Kent, LLC since 2016 and has worked concurrently with Penn Mutual Life Insurance since 2000. Hall is a partner in two financial services firms, including a multi-line insurance brokerage and a financial services firm affiliated with a CPA firm, where he provides insurance sales and financial planning services. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a network of advisers, offering advisory programs, financial planning, and retirement plan consulting. The firm operates both advisory and broker-dealer services, providing custody, execution, and brokerage capabilities alongside investment advice.

Jason Allen is a financial advisor at Empower Advisory Group with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Empower Advisory Group, he worked for De Lage Landen for ten years. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and certain retail brokerage account holders. The firm’s services are integrated with Empower’s recordkeeping and administrative platforms and emphasize long-term portfolio returns and annual rebalancing.

Yale Joseph is a financial advisor at Janney Montgomery Scott with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing and Morgan Stanley. 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 broad client base including individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering brokerage services, financial planning, consulting, and advisory programs.

Kyle Fitzpatrick is a financial advisor with Truist Advisory Services, holding a Series 66 credential and 13 years of industry experience. He has worked across various Truist entities, including Truist Investment Services and BB&T Securities. Fitzpatrick serves as a Lieutenant Commander in the United States Navy in a national security role. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm combines discretionary and non-discretionary strategies, leveraging third-party platforms and AI-enabled research tools, and integrates closely with affiliated broker-dealer and banking services.

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.

Timothy Ohara is a financial advisor at Citizens Securities, Inc. with 17 years of industry experience. He holds Series 63 and Series 66 designations and previously worked for HSBC Securities (USA) Inc. and HSBC Bank USA, N.A. for ten years. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans. The firm offers investment advisory programs, brokerage, and insurance services, including a digital advisory program that utilizes proprietary algorithms and a client risk-tolerance questionnaire to recommend ETF-based portfolios.

Lance Roetling is a financial advisor at Key Investment Services LLC with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including RK Financial and TD Bank N.A. Outside of his advisory role, he volunteers as a cook for Revivals Outreach Perkasie, where he helps prepare meals for people in need and leads kitchen volunteers. Key Investment Services LLC is an SEC-registered investment adviser that provides portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional clients. The firm offers multiple wrap programs and integrates services from affiliated entities such as KeyBank and KeyBanc Capital Markets.

Renzo Cerabino is a CFP® with four years of industry experience, currently serving as a financial advisor at Independent Financial Partners since 2024. He previously worked at PNC Private Bank for eight years. Cerabino occasionally teaches continuing legal education classes on estate planning. Independent Financial Partners is a nationwide advisory firm managing over $12.5 billion in assets through a decentralized model that allows advisors to set their own investment strategies. The firm is notable for its retirement-plan advisory and pension consulting services, supporting a multi-advisor platform serving individual, charitable, corporate, and high-net-worth clients.

Joseph Tabella is a financial advisor with Principal Financial Services in Wayne, PA, holding Series 63 and Series 66 licenses and 25 years of industry experience. He has been with Principal Securities Inc. since 2006 and Principal Life Insurance Company since 2005. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individuals, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty military personnel abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Zachary Capaldo is a financial advisor with Empower Advisory Group in Collegeville, PA, holding Series 63 and Series 65 licenses and 11 years of industry experience. His prior roles include positions at GWFS Equities, MML Distributors, MassMutual, NFP Retirement, Lincoln Benefits Group, and Kestra Financial. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and retail brokerage account holders. The firm’s integrated model emphasizes long-term portfolio returns, annual rebalancing, and client savings rates within plan lineups selected by plan sponsors.

Amy Keller is a financial advisor at Wealth Enhancement Advisory Services, LLC with over 27 years of experience in the industry. She holds the Series 65 designation and previously worked at Hoover Financial Advisors for 24 years before joining Wealth Enhancement Advisory Services. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving a diverse client base including individuals, trusts, charitable organizations, corporations, and retirement plans. The firm offers a range of services such as financial planning, asset management, and specialized retirement plan consulting, employing a strategic investment approach that combines passive and active management guided by an internal Investment Committee.

Harrison Fosnocht is a financial advisor at Citizens Securities, Inc. with four years of industry experience. He holds a Series 66 designation and has previously worked at Key Investment Services LLC, TD Private Client Wealth LLC, and Mass Mutual Investors Services among other firms. 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 provides both a digital advisory program, which uses ETF-based portfolios and proprietary algorithms, and a Managed Account program.

Avery Stine is a CFP® and holds a Series 66 license with 11 years of experience in the financial services industry. He has worked at Hornor, Townsend & Kent, LLC since 2021 and previously held roles at Penn Mutual Life Insurance Company, Equitable Advisors, and Axa Advisors. In addition to his advisory work, Stine is involved in life insurance brokerage through several business ventures including Capital Evolution and Rock Capital Group. 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 SEC-registered advisory services with broker-dealer capabilities and utilizes third-party asset manager relationships to provide both discretionary and non-discretionary portfolio management.

Larry Sun is a CFP® professional with 33 years of industry experience, currently serving as an advisor at Hornor, Townsend & Kent, LLC since 2017. His prior experience includes over two decades at Metlife Securities Inc. and roles at Mass Mutual Investors Services and Penn Mutual Life Insurance. Outside of advising, he serves as a board member and chairman of the deacon board at Faith Hope Love Chinese Church and provides business consulting to startups. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a comprehensive advisory platform that includes third-party asset managers and both discretionary and non-discretionary account options. The firm combines SEC-registered advisory and broker-dealer services, offering custody, execution, and brokerage alongside investment advice.

Hamza Khan is a financial advisor with Citizens Securities, Inc. in Conshohocken, PA. He holds a Series 66 designation and has seven years of industry experience. Prior to joining Citizens Securities, he worked at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, PNC Investments LLC, Bank of America, N.A., Merrill, and TD Bank. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans. The firm offers investment advisory programs alongside brokerage and insurance services, operating both discretionary managed accounts and a digital advisory program that utilizes proprietary algorithms and client risk assessments.

Tara Cylcewski is a financial advisor at Creative Planning with six years of industry experience. She holds Series 65 and Series 63 licenses and has previously worked at APW Capital, Kistler-Tiffany Advisors, and AXA Advisors. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals, pension plans, and corporations. The firm emphasizes a financial-planning-led investment approach with low-cost indexing, tax-loss harvesting, and selective private market exposure, managing approximately $295.6 billion in client assets.

Patricia Picardi is a financial advisor with Guardian Life and Park Avenue Securities, holding a ChFC® designation and Series 63 license, with 41 years of industry experience. She has been with Guardian Life and Park Avenue Securities since 2002. Park Avenue Securities LLC, a wholly owned subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a combination of advisor-led discretionary management and model-based strategies, along with access to proprietary programs, third-party advisory solutions, and integrated lending options.

Robert Barton Jr. is a financial advisor with GWN Securities Inc. in Wayne, PA, holding Series 63 and Series 65 licenses and 29 years of industry experience. He has been with GWN Securities since 2004. Outside of his advisory role, he also holds an insurance sales position, quoting and placing life insurance upon client request. GWN Securities provides investment advisory and related services to individual and corporate clients through a variety of managed account programs and financial planning offerings. The firm employs a mix of affiliated and unaffiliated sub-advisers with model-based allocations and is known for incorporating market-timing and momentum-based strategies in certain legacy programs.

Scott Strawser is a financial advisor at Hornor, Townsend & Kent, LLC with 21 years of industry experience. He has worked at Hornor, Townsend & Kent since 2007 and previously at Natcity Investments, Inc. for one year. In addition to his advisory role, Strawser is a regional field office administrator and insurance agent for Penn Mutual Life Insurance Company. 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 as an SEC-registered adviser and a FINRA-member broker-dealer, providing a range of investment, custody, and brokerage services.

Shawn Anderson is a financial advisor at GWN Securities Inc. with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has been with GWN Securities since 2010. Outside of his advisory role, he also provides life insurance and long-term care services to existing clients. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients, including high-net-worth investors. The firm offers discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios through a large network of advisors.