Nicole Kruman is a financial advisor at Janney Montgomery Scott in Philadelphia, PA, holding a Series 66 designation with two years of industry experience. She previously worked at Bank of New York Mellon for 15 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 clientele including individuals, families, trusts, corporate and retirement plans, and offers a range of brokerage, financial planning, and advisory services.

Patricia Mcdonald is a Series 66-credentialed financial advisor at Janney Montgomery Scott with 15 years of industry experience. She has been with Janney Montgomery Scott and its predecessor entity since 2007. 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 broad client base including individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering brokerage, financial planning, consulting, and multiple wrap/advisory programs.

Ariel Ianovale is a financial advisor at Truist Advisory Services with five years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Santander Bank, Santander Securities, and New York Life. Prior to his advisory roles, Ianovale held positions at L'Occitane and Stitch Fix. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm uses a combination of discretionary manager relationships and non-discretionary consulting, supported by AI-enabled research tools and integrated inter-affiliate service arrangements.

Paul Lofurno is a financial advisor at Janney Montgomery Scott with 40 years of industry experience. He holds a Series 63 designation and has worked at Janney Montgomery Scott since 2021. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC, spanning a total of 12 years. Janney Montgomery Scott LLC is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a wide range of clients, including individuals, families, trusts, corporate sponsors, and municipalities, offering brokerage, financial planning, consulting, and advisory programs through a combination of in-house and third-party portfolio management.

David Hallam is a CFP® with nine years of industry experience, currently serving as a financial advisor at Creative Planning since 2022. His prior roles include positions at Wipfli Financial Advisors and The Vanguard Group. Outside of finance, he works as a bartender at Kennett Brewing Company in Pennsylvania. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals and institutional clients. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing, buy-and-hold strategies, and selective private market exposure, supported by an array of advisory and fiduciary services.

Qazi Halim is a financial advisor at Citizens Securities, Inc. with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Citizens Securities since 2022. Prior to that, he held positions at JP Morgan Chase Bank NA and JP Morgan Securities, LLC from 2010 to 2022. 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, featuring a digital advisory platform and a Managed Account program.

Karim Rezqui is a financial advisor at Oppenheimer with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Morgan Stanley and its affiliated entities. He is also an adjunct instructor at the University of Wilmington’s School of Business, teaching various MBA courses, and a silent partner in Astra LLC, an import and export company. Oppenheimer serves a diverse client base including individuals, corporations, pension plans, and charitable organizations, offering advisory and brokerage services such as investment management, consulting, and financial planning. The firm employs strategic and tactical asset allocation with a mix of discretionary and non-discretionary management, and acts as a qualified custodian for client assets.

Justin Wermuth is a financial advisor at Janney Montgomery Scott with one year of industry experience. He holds a Series 66 designation and previously served four years in the United States Army. 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 broad range of clients, including individuals, families, trusts, corporate and retirement plan sponsors, and charitable organizations, providing brokerage services, financial planning, consulting, and advisory programs.

James Fernberger is a financial advisor at William Blair with Series 63 and Series 65 credentials and 46 years of industry experience. He previously worked at Raymond James & Associates from 2016 to 2024. Fernberger serves as an advisory board member for Legacy Youth Tennis and Education and the Philadelphia Sports Congress, and he is an ambassador on the advisory board for The Barnes Foundation. William Blair’s Private Wealth Management division serves high-net-worth individuals, foundations, pensions, and corporate clients with active, research-driven investment management and financial planning. The firm offers proprietary model portfolios, access to private funds, and co-investment opportunities through various platform and sub-advisory arrangements.

Robert Ferreira is a financial advisor at Lincoln Investment with 18 years of industry experience. He holds a Series 66 designation and has worked at TIAA-CREF and Citizens Securities, INC. prior to joining Lincoln Investment in 2025. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and 403(b)/457(b) participants. The firm offers financial planning, retirement plan advice, and model portfolios through both in-house and third-party strategies overseen by an Investment Management & Research team.

Thomas Minger Jr. is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and 17 years of industry experience. He previously worked at Ameriprise Financial Services Inc. and Putnam Retail Management. Outside his advisory role, he owns a transport and hauling business and operates two insurance brokerage firms focusing on life, accident, health, and annuity products. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory services primarily through third-party asset manager platforms and emphasizing client-directed implementation and oversight. The firm manages a majority of client assets on a non-discretionary basis and combines standard investment approaches with specialized retirement plan consulting.

William Farrell Jr. is a financial advisor with Janney Montgomery Scott holding Series 63 and Series 65 licenses and 39 years of industry experience. He has been with Janney Montgomery Scott LLC since 2010. 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, including individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering brokerage services, financial planning, consulting, and multiple advisory programs.

Corinne Vanderipe is a CFP® professional with three years of industry experience, currently serving at Sequoia Financial Group, L.L.C. She previously worked at Zeke Capital and spent twelve years at Tiedemann Advisors. Sequoia Financial Advisors, LLC provides wealth planning, investment management, and retirement-plan and business-consulting services to a diverse client base, including high-net-worth individuals, charitable organizations, corporations, trusts, family offices, and institutional clients. The firm employs a combination of in-house model portfolios, custom accounts, and third-party manager selection, supported by ongoing research and oversight from an Investment Policy Committee.

Christopher Scarlata is a financial advisor at Citizens Securities, Inc. with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at The Vanguard Group, Inc., Prudential Insurance Company of America, and TIAA. 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’s advisory offerings include a digital advisory program managed with SigFig and a Managed Account program, while also operating as a broker-dealer and insurance agency.

Gerard Binder is a financial advisor at Janney Montgomery Scott with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Janney Montgomery Scott since 2009. Janney Montgomery Scott LLC is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a wide range of clients, including individuals, families, trusts, estates, and institutional sponsors, offering brokerage services, financial planning, and multiple advisory programs.

Alisa Garnek is a Certified Financial Planner (CFP®) with nine years of industry experience. She is currently with Beacon Pointe Advisors, LLC and has worked there since 2018, with prior experience at Janney Montgomery Scott. In addition to her advisory role, she is a licensed insurance agent involved in the sale of life and health insurance products. Beacon Pointe Advisors provides investment advisory and consulting services to a diverse client base that includes individuals, institutions, and retirement plans. The firm utilizes a disciplined manager selection process and offers a range of services such as discretionary wealth management, financial planning, and outsourced CIO solutions.

Michael Mazzarella is a financial advisor with Guardian Life and holds a Series 66 designation. He has nine years of industry experience, including roles at Park Avenue Securities and Guardian Life since 2016. He is also involved with Physicians Consulting Group, where he sells disability and life insurance. Park Avenue Securities, a subsidiary of Guardian Life Insurance Company of America, serves individuals, pension and profit-sharing plans, charitable organizations, and corporate clients with brokerage services, financial planning, and a range of investment advisory programs.

William Craig Jr. is a CFP® professional with two years of industry experience, currently serving at TIAA-CREF since 2025. He has been with Tiaa in various capacities since 2008. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals connected through TIAA-administered employer retirement plans, as well as to trusts, estates, partnerships, and small retirement plans. The firm’s advisory model distinguishes between one-time planning services and ongoing portfolio management through various managed account options, applying a fiduciary standard to its RIA services.

Renee Barrett is a financial advisor at D.A. Davidson & Co. with 18 years of industry experience. She holds the Series 66 designation and has worked previously at Janney Montgomery Scott from 2010 to 2023. D.A. Davidson & Co. provides investment advisory and brokerage services to a broad client base, including employer-sponsored retirement plans, individual investors, charitable organizations, and corporate clients. The firm offers services such as ERISA retirement plan advisory, wrap fee programs, equity research, and comprehensive financial planning, including a Private Wealth program for clients with over $20 million in net worth.

Randall Marquez is a financial advisor at Citizens Securities, Inc. with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at TD Ameritrade, Charles Schwab, and their related entities. Outside of finance, he occasionally works as an actor in TV, film, or theater productions. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs, brokerage, and insurance services. The firm’s advisory offerings include a digital advisory program and a Managed Account program, while also operating as a broker-dealer and insurance agency.