Stephen Cooper is a financial advisor at TD Private Client Wealth LLC with 10 years of industry experience. He holds a Series 66 designation and has worked at TD Bank N.A. since 2018 and at TD Private Client Wealth LLC since 2013. 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. The firm uses a combination of strategic and tactical asset allocation with investments from affiliated and third-party managers, offering ongoing portfolio management and financial planning support.

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.

Robert Stauder is a financial advisor with TIAA-CREF in Marlton, NJ, holding Series 63 and Series 65 licenses. He has 37 years of industry experience and has been with TIAA-CREF since 2015. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, and small retirement plans. The firm offers both point-in-time planning and ongoing portfolio management, serving clients often connected to TIAA-administered employer retirement plans.

Brian Kelly is a financial advisor at Janney Montgomery Scott with one year of industry experience. He holds the Series 66 designation and previously worked at BSK Property Development and Insurance Administrator of America. 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 entities, and municipal clients, offering a broad range of brokerage, financial planning, and advisory services.

Harrison Fosnocht is a financial advisor at Citizens Securities, Inc. with four years of industry experience. He holds the Series 66 designation and has previously worked at Key Investment Services LLC, TD Private Client Wealth LLC, TD Bank N.A., Mass Mutual Investors Services, and Northwestern Mutual. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering both investment advisory programs and brokerage and insurance services. The firm provides a digital advisory program with ETF-based portfolios managed via proprietary algorithms, alongside a Managed Account program, and operates as a broker-dealer and insurance agency.

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.

Andrew Barnett is a ChFC® with 30 years of industry experience, currently serving as a financial advisor at Hightower Advisors since 2023. Prior to joining Hightower, he spent 15 years at Wealth Cmt. He is a board member of Camp Ramah in the Poconos, where he serves on the investment committee and assists in fundraising. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individuals, institutions, and pooled investment vehicles. The firm’s approach emphasizes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers alongside proprietary research and a variety of investment options.

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.

Larry Sun is a CFP® with 33 years of experience in the financial industry. He is currently with Hornor, Townsend & Kent, LLC and has held positions at Penn Mutual Life Insurance, Mass Mutual Investors Services, and Metlife Securities. Outside of his advisory work, he serves as a board member and chairman of the deacon board at Faith Hope Love Chinese Church and provides business consulting for startups. 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 advisory and broker-dealer services, managing both discretionary and non-discretionary accounts with a network of advisers and third-party asset managers.

Hamza Khan is a Series 66-licensed financial advisor at Citizens Securities, Inc. in Conshohocken, PA, with seven years of industry experience. His prior roles include positions at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, PNC Investments LLC, Bank of America, Merrill, and TD Bank. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs as well as brokerage and insurance services. The firm provides both a digital advisory program and a Managed Account program, and operates as a broker-dealer and insurance agency.

Robbie Williams is a financial advisor with Citizens Securities, Inc. in Voorhees, NJ, holding Series 63 and Series 65 licenses and possessing 20 years of industry experience. His career includes roles at Citizens Bank, Wells Fargo Clearing, and PNC Investments. 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 approach includes a digital advisory program and a Managed Account program, with activities spanning discretionary and non-discretionary business.

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.

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.

Timothy Joseph is a CFP® with 21 years of industry experience, currently serving as a financial advisor at Mercer Global Advisors Inc. He has previously worked at Wisdom Planning, LLC, Andrew Garrett, Inc., and Cordasco Financial Network, LLC. In addition to his advisory role, he provides professional tax preparation services on a seasonal basis. Mercer Global Advisors offers investment advisory and planning services to individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofits. The firm’s investment approach is based on Modern Portfolio Theory, emphasizing globally diversified, risk-appropriate portfolios with multi-factor tilts and tax management strategies.

Lawrence Greenberg is a financial advisor at Citizens Securities, Inc. with eight years of industry experience. He holds Series 63 and Series 65 credentials. His prior experience includes roles at Pruco Securities, LLC, The Prudential Insurance Company of America, Lyft, Inc., and Northwestern Mutual. Outside of his advisory work, he serves as a board member at large for the Pennsylvania Film Industry Association, is CEO of Cage Free Projects, a filmmaking and creative consulting business, and is vice chairman of the New Hope Planning Commission. 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 in partnership with SigFig and a Managed Account program.

Mauricio Gaitan is a financial advisor with Citizens Securities, Inc. in Conshohocken, PA, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He joined Citizens Securities in 2017 after working at PNC Investments LLC from 2016 to 2017. 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 utilizes a digital advisory platform with ETF-based portfolios and proprietary algorithms, in addition to commission-based brokerage and other non-discretionary business.

Michael Mckeever is a financial advisor with Citizens Securities, Inc. in Conshohocken, PA, holding Series 63 and Series 65 credentials. He has 26 years of industry experience and has been with Citizens Securities since 2002. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering both advisory programs and brokerage and insurance services. The firm’s advisory offerings include a digital advisory program and a Managed Account program, while it also operates as a broker-dealer and insurance agency.

Emilee Mahon is a financial advisor with Janney Montgomery Scott in Philadelphia, holding a Series 66 designation and four years of industry experience. She has been with Janney Montgomery Scott since 2021. Outside of her advisory role, Mahon is involved in coaching field hockey and founded The Gretta Ehret Dream Crazy Foundation, which supports youth sports in the Philadelphia area. 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, corporate and retirement plan sponsors, and offers a range of brokerage, financial planning, and advisory services.

Charles Crothers is a CFP® professional with 21 years of industry experience, currently with Commonwealth Financial Network since 2022. He previously worked for MML Investors Services and Mass Mutual Life Insurance Company from 2004 to 2022. In addition to his advisory role, he is involved in fixed insurance sales, dedicating part of his business hours to this activity. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and support services, including discretionary model portfolios and personalized investment solutions, while acting as a back-office and platform provider.

Margaret Hardesty is a financial advisor at Janney Montgomery Scott with 41 years of industry experience. She holds a Series 63 designation and has been with Janney since 2009. Outside of her advisory work, she serves on the Board of Trustees and Finance sub-Committee for the Willistown Conservation Trust, a nonprofit focused on land conservation and education. 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, estates, and corporate clients, offering brokerage, financial planning, and advisory services through a combination of in-house and third-party portfolio management.