Christopher Csencsits is a CFP® and holds a Series 66 license with six years of industry experience. He is currently an advisor at Janney Montgomery Scott in Philadelphia, having also held roles at Penn Mutual Life Insurance Company, Hornor, Townsend & Kent, and Equitable Advisors. Outside of financial advising, he has been involved with a professional baseball organization since 2024. 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, delivering investment advice through a combination of in-house and third-party portfolio management across various advisory programs.

German Rodriguez is a financial advisor with Eagle Strategies (NY Life) in Horsham, PA, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has been with Eagle Strategies since 2015 and affiliated with New York Life entities since 2009. Eagle Strategies serves a diverse client base including individual investors and institutional sponsors, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple program types and emphasizes tailoring recommendations to client objectives, managing a majority of assets on a non-discretionary basis.

Bryan Kee is a financial advisor at Lincoln Investment in Fort Washington, PA, holding a Series 66 designation with four years of industry experience. His work history includes roles at Lincoln Investment and Capital Analysts since 2020, with earlier experience at UPS and Drexel University. Lincoln Investment Planning, LLC is an enterprise investment advisory and broker-dealer serving a diverse client base that includes individual and high-net-worth investors, trusts, charities, and retirement plans. The firm offers financial planning, advisor-led consulting, and portfolio management through model portfolios and third-party managers, supported by an in-house Investment Management & Research team.

Mary Francesca Miller is a financial advisor at Schwab Wealth Advisory with a Series 66 designation and two years of industry experience. Her prior roles include positions at Bank of America, Merrill Lynch, UBS Financial Services, and Charles Schwab. She previously spent over a decade in full-time education before entering the financial industry. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, offering non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on asset allocation models and internal research tools. The firm does not exercise discretionary trading authority and typically recommends separately managed accounts handled by third-party or affiliated money managers.

Samuel Pemberton is a CFP® professional with 14 years of industry experience. He is currently with TD Private Client Wealth LLC and TD Bank N.A., having previously worked at LPL Financial, The Vanguard Group, Inc., Citrin Cooperman Wealth Management, LP, and Mass Mutual Investors Services. 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 clients. The firm utilizes strategic and tactical asset allocation through portfolios that include affiliated and third-party sub-managers, offering financial planning, custody, and reporting services.

Shurdonna Joseph is a CFP® with 18 years of industry experience, currently serving at Janney Montgomery Scott. Prior to joining Janney, she worked at The Vanguard Group for nine years. She holds board positions with Philadelphia's Magic Garden and PA Youth Vote, contributing to nonprofit governance and community engagement. 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, offering brokerage services, financial planning, consulting, and multiple advisory programs supported by in-house and third-party portfolio management.

Thomas Simons is a financial advisor at Hornor, Townsend & Kent, LLC with 30 years of industry experience. He has been with Hornor, Townsend & Kent since 1996 and is registered with a Series 66 designation. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a network of advisers. The firm offers advisory programs, financial planning, and retirement plan consulting, combining SEC-registered advisory services with broker-dealer capabilities.

Gurpreet Singh is a financial advisor with Citizens Securities, Inc. in Conshohocken, PA, holding Series 63 and Series 66 licenses and with five years of industry experience. Prior to joining Citizens Securities in 2026, he worked at JP Morgan Securities LLC and JP Morgan Chase Bank, N.A. from 2019 to 2026, as well as at Bank of America and Broker Genius. Citizens Securities serves a broad retail client base including individual and high-net-worth investors and offers a range of investment advisory programs, brokerage, and insurance services. The firm operates both discretionary managed accounts and a digital advisory program based on ETF portfolios and proprietary algorithms.

Marc Roberts is a financial advisor with TD Private Client Wealth LLC, holding Series 63 and Series 65 licenses and three years of industry experience. His prior work includes positions at Bankers Life Securities, Inc. and Bankers Life & Casualty, Inc. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional and high-net-worth clients, offering portfolio management, financial planning support, and access to mutual funds, ETFs, and separately managed accounts. The firm combines strategic and tactical asset allocation through TD Managed Portfolios and affiliated sub-managers.

Dylan Mills is a financial advisor at Commonwealth Financial Network with one year of industry experience. He holds the Series 66 designation and has prior work experience at Prudential and Foundations Financial Partners. Outside of his advisory role, he is involved in fixed insurance sales. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing over $212 billion in client assets. The firm offers a broad adviser-support platform including managed-account programs, access to third-party asset managers, and retirement consulting, with portfolio implementation available through internal models or external subadvisers.

John Rinaldi is a financial advisor at Janney Montgomery Scott with three years of industry experience. He holds the Series 66 designation and has previously worked at Black Rock, Pacer Financial, and Janney Montgomery Scott in various roles. 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 client base including individuals, families, trusts, corporate retirement plans, and municipal clients, offering brokerage services, financial planning, and multiple advisory programs.

Mitchell Kaup is a financial advisor at Hornor, Townsend & Kent, LLC with two years of industry experience. He holds a Series 66 designation and has prior work experience with Penn Mutual Life Insurance Company, Ameritas Investment Company, Ameritas, the University of Nebraska Lincoln, and Marshall Engines. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory programs, financial planning, and retirement plan consulting. The firm offers both advisory and broker-dealer services, with a platform that includes third-party asset manager relationships and provides discretionary and non-discretionary account options.

Matthew Mccloskey is a CFA® charterholder and Series 63 licensee with one year of experience in the financial services industry. He is currently affiliated with Guardian Life and Park Avenue Securities. Prior to that, he worked at Prosperian Wealth Management and Valuation Research Corporation. Park Avenue Securities LLC, a wholly owned subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, including high-net-worth clients, as well as corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers tailored client solutions through advisor-led discretionary management, model-based strategies, proprietary programs, and third-party advisory platforms.

Michael Welsh is a financial advisor at Citizens Securities, Inc. in Conshohocken, PA, holding a Series 66 designation with four years of industry experience. His previous roles include positions at Bank of America, Merrill, and P.J. Schneiders & Company. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs as well as brokerage and insurance services. The firm’s advisory offerings include a digital advisory program and a Managed Account program, operating as both a broker-dealer and an insurance agency.

David Friedman is a financial advisor at Lincoln Investment with 27 years of experience in the industry. He holds the Series 66 credential and has worked at firms including Capital Analysts, Mass Mutual Investors Services, and Metlife Securities. Lincoln Investment Planning, LLC is an enterprise investment advisory and broker-dealer serving a diverse client base that includes individuals, high-net-worth investors, trusts, charities, and retirement plans. The firm employs a combination of advisor-led consulting, model portfolios, and third-party managers, supported by an in-house Investment Management & Research team that develops strategic and adaptive investment strategies.

Elizabeth Hines is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. She has been with Janney Montgomery Scott since 1993. 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 advisory services with a combination of in-house and third-party portfolio management.

Laura Williams is a financial advisor at Janney Montgomery Scott in Philadelphia, PA, holding a Series 66 designation with 13 years of industry experience. She has worked continuously with Janney Montgomery Scott since 2011. 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, charitable organizations, and municipal clients, offering brokerage, financial planning, consulting, and advisory programs.

Ernest Martinelli is a financial advisor at Centaurus Financial, Inc. with 40 years of industry experience. He holds a Series 63 designation and has worked at Centaurus since 2017, following prior roles at Mass Mutual Investors Services and AXA Advisors. Outside of his advisory work, he is involved in the sale and service of group benefit plans and advises clients on property and casualty insurance. Centaurus Financial, Inc. provides advisory and brokerage services to individuals, families, businesses, and institutions. The firm offers a range of financial planning and portfolio management services, employing both discretionary and non-discretionary strategies supported by a variety of analytical approaches.

Kevin Kulak is a financial advisor with Guardian Life and holds Series 63 and Series 65 licenses. He has 11 years of industry experience, including prior roles at Brinker Capital, Sanford C. Bernstein & Co., and The Vanguard Group. Kulak also engages in the sale of insurance products outside of Guardian Life. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, institutions, and charitable organizations. The firm combines advisor-led discretionary management with model-based strategies and offers a range of financial planning and consulting services tailored to client needs.

Timothy Regan is a financial advisor at Janney Montgomery Scott with seven years of industry experience. He holds the Series 66 designation and has worked at Janney in various capacities since 2017. Prior to his advisory career, he was affiliated with the University of Delaware for four years. 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, corporate and retirement plan sponsors, and charitable organizations, offering a range of brokerage, financial planning, and advisory services.