Eric Ferguson is a CFP® with five years of industry experience, currently affiliated with Commonwealth Financial Network. His prior roles include positions at High Point Financial, LLC and Legacy Planning Partners. Outside of finance, he has experience working in the food service industry, including Carmine's Pizzeria and Domino's. Commonwealth Financial Network is a national dual-registered broker/dealer and SEC-registered investment adviser supporting approximately 2,900 advisors. The firm provides a comprehensive platform with discretionary and nondiscretionary managed-account programs, third-party asset manager access, and custody services, serving individual and institutional clients across the United States.

Joseph Ozag Jr. is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 66, Series 65, and Series 63 licenses and five years of industry experience. Prior to joining Hornor, Townsend & Kent in 2022, he worked at FINRA from 2000 to 2021. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory programs, financial planning, and retirement plan consulting through a network of advisers. The firm operates both as an SEC-registered adviser and FINRA-member broker-dealer, providing custody, execution, brokerage services, and a range of third-party asset manager relationships.

Dylan Hansen is a CFP® and holds a Series 66 license with eight years of industry experience. He is currently with Kestra Advisory and previously worked at OSAIC, FSC Securities Corporation, Bank of America, and Merrill. Hansen serves as a non-public arbitrator for FINRA and operates as an independent insurance agent offering products through Osaic Wealth. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a range of institutional and individual clients, including plan sponsors. The firm offers services such as fiduciary consulting, plan design, and employee education, and manages approximately $79.8 billion in assets with a focus on large institutional investors and diverse investment solutions.

Derrick Goodenow is a CFP® professional with six years of experience in financial advisory. He currently works at Corient and has held positions at Radnor Financial Advisors and PepsiCo among others. Corient provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, pension and profit-sharing plans, charitable organizations, and corporate entities. The firm uses a goals-based, team investment approach, combining in-house strategies with third-party manager solutions and customized asset allocation, continuously monitoring portfolios with risk management tools and stress testing.

Andrea Smith is a financial advisor at Janney Montgomery Scott with 17 years of industry experience. She holds the CFP® and Series 66 designations. Her career has been exclusively with Janney Montgomery Scott and its affiliates since 2008. Janney Montgomery Scott manages approximately $110 billion in client assets and serves a broad range of clients including individuals, families, trusts, estates, corporate and retirement plans, charitable organizations, and municipal clients. The firm offers brokerage services, financial planning, consulting, and multiple advisory programs, combining in-house portfolio management with third-party managers.

Tyler Weisgarber is a financial advisor at Janney Montgomery Scott with 10 years of industry experience. He holds a Series 65 designation and previously worked at The Prudential Insurance Company of America and Pruco Securities. Outside of finance, he assists part-time in his family’s trucking and mulch sales business. 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 with brokerage services, financial planning, and advisory programs, utilizing a combination of in-house and third-party portfolio management.

William Bernhardt is a CFA® charterholder with 22 years of experience in the financial services industry. He has worked at Kestra Advisory since 2016 and has been associated with Kestra Investment Services, LLC and Renaissance Benefit Advisors, Inc. since the early 2000s. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients, offering services such as fiduciary consulting, plan design, and employee education. The firm serves large institutional investors, including sovereign wealth funds, and supports multiple management platforms and third-party solutions within its supervisory framework.

Robert Geiger is a financial advisor with PNC Wealth Management, holding Series 63 and Series 66 designations and bringing 33 years of industry experience. His prior roles include a long tenure at The Vanguard Group and positions at Kestra Advisory and Wealth Advisory Group. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a discretionary online investment account available by invitation to employees with PNC Bank online credentials. The program uses algorithm-driven risk assessment and implements approved model strategies with mutual funds and ETFs, with portfolio management delegated to third-party strategists.

Michael Fitzpatrick Jr. is a financial advisor with Citizens Securities, Inc. in Conshohocken, PA, holding Series 63 and Series 65 licenses and five years of industry experience. His career includes roles at Citizens Bank and JP & SN Enterprises, Inc., as well as a background in education at Drexel University and Montgomery County Community College. He also spent ten years involved with Fitzpatrick Funeral Home. Citizens Securities serves a diverse retail client base, including individual and high-net-worth investors and retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm operates both a digital advisory platform and managed account programs, functioning as a broker-dealer and insurance agency under the ownership of Citizens Bank, N.A.

Dustin Willing is a financial advisor with Kestra Advisory, holding a Series 66 designation and five years of industry experience. He has worked at firms including The Vanguard Group and Wealth CMT before joining Kestra Advisory Services in 2023. Willing provides investment advice to participants of 401(k) plans as part of his role. Kestra Advisory Services offers investment advisory and retirement-plan consulting to plan sponsors and a diverse group of institutional and individual clients. The firm provides a range of services including fiduciary consulting, plan-level investment advice, employee education, and access to multiple management platforms and third-party managed solutions.

Ron Koren is a financial advisor with TIAA-CREF in Philadelphia, PA, holding Series 63 and Series 65 licenses and having seven years of industry experience. He has previously worked at Aegis Wealth Management, Equitable Advisors, and Brokers International Financial Services. Outside of his advisory work, Ron is also involved as a DJ providing music selection services for events. TIAA-CREF Individual & Institutional Services, LLC offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, and small retirement plans, often serving clients with existing TIAA employer retirement plan relationships. The firm uses a fiduciary advisory model that separates one-time planning services from ongoing portfolio management and operates within a vertically integrated group that includes affiliated funds and donor-advised fund advisory services.

Jerrold Beck is a financial advisor at GWN Securities Inc. with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has been with GWN Securities since 2005. In addition to his advisory role, he works as an insurance agent offering fixed annuities, life insurance, and long-term care insurance. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients through discretionary managed accounts and financial planning. The firm manages approximately $3.65 billion across more than 37,000 accounts and offers a range of managed-account programs and model portfolios, including both traditional and legacy market-timing strategies.

Melissa Borelli is a financial advisor with Lincoln Investment in Horsham, PA, holding Series 63 and Series 65 licenses and 22 years of industry experience. She has been with Lincoln Investment Planning, Inc. since 2004. 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, ERISA retirement plan advice, and a range of advisor-managed and firm-managed investment programs, utilizing strategic and tactical investment approaches overseen by its Investment Management & Research team.

George Harris is a financial advisor at Janney Montgomery Scott with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at BNY Mellon Advisors, BNY Mellon Securities Corporation, Pershing LLC, Lockwood Advisors Inc., and Morgan Stanley. 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—and offers brokerage services, financial planning, consulting, and multiple advisory programs.

Joseph Waterloo is a CFP® with 28 years of industry experience, currently advising at Janney Montgomery Scott. His prior experience includes 24 years at The Vanguard Group and a period of self-employment. He has held roles at multiple firms, including Thrive Insurance Group and its related entities. 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 with brokerage, financial planning, consulting, and advisory programs, combining in-house and third-party portfolio management alongside custody and trustee services.

Lisa Davis is a financial advisor at Hornor, Townsend & Kent, LLC with 12 years of industry experience. She holds a Series 66 designation and has worked with Hornor, Townsend & Kent since 2014 and Penn Mutual Life Insurance Company since 2011. Davis is involved in multiple insurance-related ventures, including partnerships in life insurance brokerage and life settlements, and serves on the board of directors for FINSECA as well as the American College Board of Trustees. She also participates in a charitable foundation dedicated to supporting the development of financial professionals. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans by providing advisory services through third-party asset manager platforms, financial planning, and retirement plan consulting. The firm emphasizes client-directed implementation and oversight, managing the majority of client assets on a non-discretionary basis.

Kevin Jones is a financial advisor at Citizens Securities, Inc. with 10 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Bank of America, Merrill, and Georgetown. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory, brokerage, and insurance services. The firm provides both digital advisory and managed account programs, operating as a broker-dealer and insurance agency.

James Bergmaier is a CFP® professional with 20 years of industry experience, currently serving at Hornor, Townsend & Kent, LLC since 2015. He also holds a role at Penn Mutual Life Insurance Company and is involved in multiple community and nonprofit activities, including serving on the advisory board for the American College Center for Special Needs and as a board member of the Ardent Community Trust of Pennsylvania. Additionally, he holds leadership positions such as treasurer for the Penn Mutual National Advisory Council Executive Committee and partner in life insurance brokerage ventures. Hornor, Townsend & Kent provides advisory services to individuals, trusts, businesses, charitable organizations, and retirement plans, focusing on client-directed implementation and oversight through third-party asset manager platforms. The firm manages a significant portion of client assets on a non-discretionary basis and offers services including financial planning, consulting, and retirement plan engagements.

Giancarlo Guizado is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 65 and Series 63 licenses and four years of industry experience. His prior work history includes roles at LPL Financial LLC, New York Life, and Principal Life Insurance Company. Outside of finance, he works part-time as a seasonal tax preparer. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners by providing managed advice programs and investment education services. The firm’s approach incorporates proprietary portfolio construction and oversight from Morningstar Investment Management, focusing mainly on asset allocation and retirement planning for a broad client base.

Candice Fleischood is a financial advisor at TIAA-CREF with Series 65 and Series 63 licenses and one year of industry experience. She previously worked at PNC Private Bank for five years and Wells Fargo Private Bank for seven years. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing TIAA-administered employer retirement plan relationships. The firm distinguishes between point-in-time planning and ongoing discretionary management, offers fiduciary-standard RIA services, and acts as adviser to a donor-advised fund.