Michael Kernicky is a CFP® with 43 years of experience in the financial industry. He currently works at Janney Montgomery Scott, where he has been since 2018. His prior experience includes roles at Bank of America and Merrill. Kernicky serves as Secretary and Rear Commodore on the board of the Yacht Club of Sea Isle City in New Jersey. 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 through a variety of brokerage, financial planning, and advisory programs, combining in-house portfolio management with third-party managers.

Bernard Audet is a financial advisor at GWN Securities Inc. with 40 years of industry experience and holds a Series 63 designation. His career includes positions at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, MetLife Securities Inc., and over four decades at Creative Financial Planning Org. GWN Securities provides investment advisory services to individual and corporate clients through a variety of managed account programs and financial planning offerings. The firm utilizes both affiliated and unaffiliated sub-advisers and employs market-timing and momentum-based strategies within certain legacy programs.

Edward Antoian is a CFA® charterholder with 29 years of industry experience. He is currently with Sequoia Financial Group, L.L.C. and has been a principal at Zeke Capital Advisors, LLC since 2008. He is the general partner and portfolio manager of Zeke L.P., a private investment partnership focused on micro-cap and small-cap securities. Sequoia Financial Advisors, LLC provides wealth planning, investment management, and retirement-plan and business-consulting services to a diverse client base including individuals, charitable organizations, corporations, trusts, and family offices. The firm employs a combination of in-house model portfolios, custom accounts, and third-party manager selection with oversight from an Investment Policy Committee.

Matthew Schmidt is a CFA® charterholder with four years of industry experience. He currently works at Sequoia Financial Group, L.L.C. and previously held roles at J.P. Morgan Investment Management Inc. and JP Morgan Chase Bank. Sequoia Financial Advisors, LLC provides wealth planning, investment management, retirement-plan advisory, and related consulting services to a diverse client base including individuals, family offices, corporations, and charitable organizations. The firm employs a combination of model allocations and custom portfolio solutions supported by an Investment Policy Committee and integrates multiple investment vehicles and research methods to meet client objectives.

Brian Menickella is a financial advisor at Kestra Advisory with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at LPL Financial, Beacon Financial Services, Inc., and TFS Securities, Inc. Menickella is the owner and managing partner of Beacon Financial Services and a silent partner in The Beacon Group of Companies. Kestra Advisory provides investment advisory and retirement-plan consulting services to plan sponsors and a broad range of institutional and individual clients. The firm offers fiduciary consulting, plan-level investment advice, and access to multiple management platforms and third-party managed solutions, serving large institutional investors and complex client needs.

Christian Correa is a financial advisor at Empower Advisory Group with two years of industry experience. He holds the Series 63 and Series 66 designations and has prior experience at Northern Lights Distributors, Toews Corporation, and Marsh & McLennan Companies. Outside of advising, he has worked with Community Action of Delaware County’s VITA IRS program and taught at Eastern University and Temple University. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain IRA and retail brokerage clients. The firm’s integrated approach combines proprietary and third-party methodologies focused on long-term returns and annual rebalancing, delivered at scale through close affiliation with Empower’s recordkeeping and administrative platforms.

Douglas Hall is a CFP® professional with 27 years of industry experience. He is currently with Hornor, Townsend & Kent, LLC, where he has worked since 2016. His prior experience includes roles at Comprehensive Asset Management & Servicing, Kistler-Tiffany Advisors, and Penn Mutual Life Insurance, where he has been affiliated since 2000. Hall is a partner in two business ventures, including a multi-line insurance brokerage and a financial services firm affiliated with a CPA firm. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a network of advisers, offering advisory programs, financial planning, and retirement plan consulting. The firm operates both advisory and broker-dealer services, providing custody, execution, and brokerage capabilities alongside investment advice.

Gregg Somerville is a CFP® with over 41 years of experience in the financial industry. He is currently with Independent Financial Partners and has previously worked at Realta Equities, Inc. and Realta Investment Advisors for 11 years. Outside of his advisory role, he owns and operates Somerville Investments, a business focused on portfolio management and financial projections. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisers. The firm is noted for its decentralized investment approach and formal retirement-plan advisory and pension consulting capabilities.

Nicholas Lombardo is a CFA® charterholder affiliated with Commonwealth Financial Network in Chadds Ford, PA. He has one year of industry experience, including prior roles at Independence Wealth Services and the State of Delaware, as well as a lengthy tenure at DuPont Capital Management. Commonwealth Financial Network is a dual-registered broker-dealer and SEC-registered investment adviser supporting a national network of approximately 2,900 advisors and managing over $212 billion in client assets. The firm offers a broad platform including managed-account programs, access to third-party asset managers, and custody services, providing both discretionary and nondiscretionary investment solutions.

Waseem Khan is a financial advisor at TD Private Client Wealth LLC with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at TD Private Client Wealth LLC and TD Bank N.A. since 2022, following prior roles at Wells Fargo Clearing, Wells Fargo Advisors, LLC, and Wells Fargo Bank NA. 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, using a combination of strategic and tactical asset allocation with investments from both affiliated and third-party sub-managers.

Yale Joseph is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 65 designations and bringing 34 years of industry experience. His prior work includes ten years at Wells Fargo Clearing and one year at Wells Fargo Advisors LLC. 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, and institutional sponsors, offering a range of brokerage services, financial planning, and advisory programs through both in-house and third-party managers.

Kyle Fitzpatrick is a financial advisor with Truist Advisory Services, holding a Series 66 credential and 13 years of industry experience. He has worked across various Truist entities, including Truist Investment Services and BB&T Securities. Fitzpatrick serves as a Lieutenant Commander in the United States Navy in a national security role. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm combines discretionary and non-discretionary strategies, leveraging third-party platforms and AI-enabled research tools, and integrates closely with affiliated broker-dealer and banking services.

Robert Eberly is a financial advisor at Janney Montgomery Scott with 44 years of industry experience. He holds a Series 63 designation and has been with Janney Montgomery Scott since 2009. The firm is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. Janney serves a wide range of clients, including individuals, families, trusts, corporate and retirement plan sponsors, and charitable organizations, offering brokerage services, financial planning, and advisory programs through both in-house and third-party portfolio management.

Timothy Ohara is a financial advisor at Citizens Securities, Inc. with 17 years of industry experience. He holds Series 63 and Series 66 designations and previously worked for HSBC Securities (USA) Inc. and HSBC Bank USA, N.A. for ten years. 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, brokerage, and insurance services, including a digital advisory program that utilizes proprietary algorithms and a client risk-tolerance questionnaire to recommend ETF-based portfolios.

Renzo Cerabino is a CFP® with four years of industry experience, currently serving as a financial advisor at Independent Financial Partners since 2024. He previously worked at PNC Private Bank for eight years. Cerabino occasionally teaches continuing legal education classes on estate planning. Independent Financial Partners is a nationwide advisory firm managing over $12.5 billion in assets through a decentralized model that allows advisors to set their own investment strategies. The firm is notable for its retirement-plan advisory and pension consulting services, supporting a multi-advisor platform serving individual, charitable, corporate, and high-net-worth clients.

Joseph Tabella is a financial advisor with Principal Financial Services in Wayne, PA, holding Series 63 and Series 66 licenses and 25 years of industry experience. He has been with Principal Securities Inc. since 2006 and Principal Life Insurance Company since 2005. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individuals, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty military personnel abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Nicholas Matt is a financial advisor at Voya Financial Advisors, Inc. with two years of industry experience. He holds a Series 66 designation and has worked at firms including LPL Enterprise LLC, Fidelity Investments, and Coppell Advisory Solutions. His background also includes service in the United States Marine Corps and involvement with various non-investment roles prior to his advisory career. Voya Financial Advisors, Inc. serves individual and institutional clients such as retirement plan sponsors, charitable organizations, corporations, and high-net-worth individuals. The firm offers financial planning, portfolio management, and consulting services through multiple program structures, including Unified Managed Account wrap programs and third-party money manager programs, primarily focusing on non-discretionary advisory relationships.

Brian Sanford is a CFP® with 11 years of industry experience. He is currently affiliated with Commonwealth Financial Network and Union Street Financial. Previously, he spent nine years at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. 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 $210 billion in client assets. The firm provides a comprehensive adviser-support platform including managed-account programs, access to third-party asset managers, and custody and clearing services.

Amy Keller is a financial advisor at Wealth Enhancement Advisory Services, LLC with over 27 years of experience in the industry. She holds the Series 65 designation and previously worked at Hoover Financial Advisors for 24 years before joining Wealth Enhancement Advisory Services. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving a diverse client base including individuals, trusts, charitable organizations, corporations, and retirement plans. The firm offers a range of services such as financial planning, asset management, and specialized retirement plan consulting, employing a strategic investment approach that combines passive and active management guided by an internal Investment Committee.

Gail Kelly Brown is a financial advisor at Janney Montgomery Scott with 20 years of industry experience. She holds a Series 66 designation and has been with Janney Montgomery Scott since 2006. 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 multiple advisory programs.