Heather Barone is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and 20 years of industry experience. She has worked at EPA Financial Services since 1991, where she is also president and part owner, and has held positions at Ameriprise Financial Advisors and Cambridge Investment Research. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides advisory programs, technology, compliance, and practice-management support, enabling advisors to construct customized portfolios and access discretionary model portfolios managed by its Investment Management and Research team.

Leroy Rachlin is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 66 designations and over 40 years of industry experience. He has worked at Janney Montgomery Scott since 2015. 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, corporations, and municipal clients, offering brokerage services, financial planning, consulting, and multiple advisory programs.

Angelo Ciacco is a financial advisor with PNC Wealth Management, holding Series 63 and Series 65 licenses and 22 years of industry experience. He has been with PNC Investments since 2011. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a discretionary online Portfolio Solutions Strategist Digital Offering available by invitation to employees. The firm uses algorithm-driven risk assessments and delegates portfolio execution to third parties, focusing on mutual funds and ETFs with annual rebalancing.

Kathleen Nolan is a financial advisor at AE Wealth Management, LLC with 28 years of industry experience. She holds the Series 63 and Series 65 credentials and has worked at firms including Global Financial Private Capital and Family Focus Private Wealth LLC. Nolan is also the president and owner of Family Focus Financial Group and serves as marketing director for Sage Tuition Rewards. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers a platform-centered approach combining model portfolios, discretionary management, financial planning, and consulting services.

Stephen Albinson is a financial advisor with Valic Financial Advisors, holding a Series 66 designation and 14 years of industry experience. He has worked at Valic Financial Advisors since 2011 and holds a non-securities insurance agent position with Agia. Valic Financial Advisors serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Michael Mallon is a financial advisor at Guardian Life, holding a Series 66 designation with 21 years of industry experience. His career includes a 23-year tenure at Blackrock Investments, Inc., followed by his current roles at Guardian Life Insurance Company and Park Avenue Securities. Park Avenue Securities LLC, a 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 range of financial planning and consulting services, combining advisor-led discretionary management with model-based strategies and digital advisory solutions.

Alfred Polizzotto III is a CFP®-certified financial advisor with 28 years of industry experience. He is currently affiliated with Kestra Advisory Services, LLC and Kestra Investment Services, LLC since 2025. Prior to joining Kestra, he worked at Commonwealth Financial Network for nine years and managed his own firm, Polizzotto & Polizzotto, for nearly three decades. In addition to his advisory work, he manages a law firm and is involved in selling life and long-term care insurance. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a wide range of institutional and individual clients, including plan sponsors. The firm offers services such as fiduciary consulting, plan design, employee education, and investment advice, with a focus on large institutional investors and complex investment solutions.

Jason Doviak is a financial advisor with Guardian Life and holds a Series 66 designation. He has 22 years of industry experience, including over a decade with Guardian Life and current roles at Park Avenue Securities. Outside of his advisory work, he is a managing trustee of The Sandy Shores Trust and is involved in business ventures related to tax planning and payroll services through several LLCs. Park Avenue Securities, a 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 customized financial planning and investment solutions through a combination of advisor-led management and model-based strategies, leveraging proprietary programs and third-party platforms.

Brian Cunniff is a financial advisor with Park Avenue Securities, a subsidiary of Guardian Life, holding a Series 66 designation and 16 years of industry experience. He has been with Park Avenue Securities and Guardian Life since 2016. Outside of his advisory role, he serves as a trustee involved in charitable fundraising activities. Park Avenue Securities provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. 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.

Peter Mccarthy is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 65 and Series 63 licenses and bringing 36 years of industry experience. His prior roles include positions at E D & F Man Capital Markets Inc. and C & A Financial Group, LLC. He serves as a board member of the YMCA of Greater Monmouth County and is involved in business planning through Core One Consulting LLC. Park Avenue Securities, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a range of financial planning and investment solutions, combining advisor-led discretionary management with model-based strategies and proprietary platforms.

Daniel Mueller is a financial advisor at Eagle Strategies (NY Life) with 14 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked with firms including GM Wealth Partners, LLC and Podell Financial Group, LLC. Outside of his advisory work, Mueller is involved in several nonprofit and community activities, serving as a board member for David's Dream and Believe Cancer Foundation and the Robin Mainardi Scholarship Fund, and operates a music production business. Eagle Strategies serves a diverse client base with financial planning, investment management, and retirement-plan advisory services through a large network of affiliated representatives. The firm offers a variety of program types and emphasizes tailored recommendations, managing the vast majority of regulatory assets on a non-discretionary basis while maintaining fiduciary responsibilities to retirement investors.

Michael Carlucci is a CFP® professional with 33 years of experience in the financial services industry, currently serving at Independent Financial Group, LLC since 2009. His prior experience includes roles at Osaic FA, Inc., Questar Asset Management, Inc., U.S. Allianz Securities, Inc., and Woodstock Financial Group, Inc. He is also the owner of a marketing DBA, MJC Advanced Financial Strategies, LLC, and is a licensed insurance agent in New Jersey. Independent Financial Group, LLC provides investment advisory and brokerage services to individuals, high-net-worth clients, trusts, corporate and pension/profit-sharing plans, and charitable organizations. The firm utilizes a combination of firm- and third-party investment models, offering discretionary and non-discretionary portfolio management with active and passive strategies across various risk profiles.

Peter Van Alstine is a financial advisor with Eagle Strategies (NY Life) and holds a Series 66 designation. He has one year of industry experience and previously worked at NYLIFE Securities LLC, New York Life Insurance Company, Equitable Advisors, LLC, Workiva, Toppan Merrill, and RR Donnelley. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a network of affiliated investment adviser representatives. The firm offers a range of advisory programs tailored to client objectives and emphasizes non-discretionary asset management within an integrated New York Life affiliate structure.

Thomas Dogas is a financial advisor with Guardian Life and holds a Series 66 designation. He has nine years of industry experience, including roles at Guardian Life and Park Avenue Securities, where he has worked for eight years. Outside of his advisory work, Dogas serves as Vice President of the Holy Name Society at St. Leo The Great Church, is a presenter for the National Alliance for Mental Illness, and holds an officer position with the Red Bank NJ Elks. Park Avenue Securities LLC, a 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 range of financial planning and investment management solutions, combining advisor-led discretionary management with model-based strategies and access to proprietary and third-party platforms.

Frank Congilose is a financial advisor at Guardian Life with over 40 years of industry experience. He holds the CFP® and ChFC® designations and has worked across several firms including Park Avenue Securities and C&A Financial Group. Congilose is also an author of multiple books on responsible wealth and serves as a hospital board trustee at Monmouth Medical Center Southern Campus. Guardian Life, through its Park Avenue® Wealth Management subsidiary, provides brokerage and investment advisory services to individuals, high-net-worth clients, corporate and retirement plan sponsors, and charitable organizations. The firm offers a blend of advisor-led discretionary management and model-based strategies, along with access to insurance products, alternative investments, and various integrated financial solutions.

Todd Schaefer is a financial advisor with PNC Wealth Management, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has been with PNC Investments since 2006. PNC Wealth Management provides retail brokerage and advisory services through several model-based programs, including an invitation-only digital discretionary model account that uses algorithmic questionnaires to recommend investment risk bands and employs mutual funds and ETFs with annual rebalancing.

Karan Murugesu is a CFP® and ChFC® professional with 13 years of industry experience, currently with Eagle Strategies (NY Life) since 2020. He has held roles at AmeriWealth Financial Group, LLC and New York Life Insurance Company, where he has been active since 2010. Outside of his advisory work, Murugesu volunteers with the Old Boys Association of Methodist Central College, North America, leading alumni and fundraising activities for his former high school in Sri Lanka. Eagle Strategies serves a diverse range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated representatives. The firm emphasizes tailored recommendations and manages a significant portion of assets on a non-discretionary basis, working extensively with both retail and institutional sponsors.

Michael Husar is a financial advisor with Eagle Strategies (NY Life) based in Wall, NJ. He holds Series 63 and Series 66 licenses and has eight years of industry experience, including roles with NyLife Securities LLC and New York Life Insurance Company since 2018. Outside of his advisory work, he serves as treasurer for multiple nonprofit and fraternal organizations and participates in a small business networking group. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated representatives. The firm offers various program types and emphasizes tailoring advice to client objectives, with most assets managed on a non-discretionary basis.

Lawrence Larmer is a financial advisor with Osaic Advisory Services, LLC, holding Series 63 and Series 65 licenses and over 45 years of industry experience. He worked at American Portfolios Financial Services, Inc. for 20 years prior to joining Osaic Advisory Services in 2024. Outside of advising, he is the chairman of the trust committee for the Order of AHEPA and owns a business called Creative Capital Group. Osaic Advisory Services, LLC is an SEC-registered enterprise firm that serves a diverse client base including individuals, pension plans, corporate and charitable entities, and sovereign wealth funds. The firm offers a range of investment programs and financial services, combining fundamental and technical analysis with platform integrations and access to alternative investments.

Joseph Gyumolcs is a financial advisor with Eagle Strategies (NY Life) based in Wall Township, NJ. He holds Series 63 and Series 65 licenses and has four years of industry experience. His prior work includes roles at NYLife Securities LLC, New York Life Insurance Company, MassMutual Greater Philadelphia, and Chris Thomas State Farm. Outside of his advisory work, he hosts the "Fuel Your Mornings" podcast, featuring conversations with professionals from various fields. Eagle Strategies serves a diverse client base including individual investors and institutional plans, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored advice delivered primarily on a non-discretionary basis and operates within an integrated structure alongside New York Life affiliates.