News and Commentary

At Janney, we continually seek ways to enhance our level of service, guidance and resources we provide to you. With that in mind, I am excited to share important news regarding the continued growth of our practice. I will be expanding my practice to include Mitch Altro, Jeff Schnee, and John Ruggiero – who are all advisors that I have worked closely with in Boca Raton for many years. In addition to Hina Iervolino, we are adding Faith Sutter and Sandy Lashmit to the support staff and who will be a welcomed addition to the team providing dedicated client service: EMPIRE COAST WEALTH PARTNERS I have worked alongside these advisors for many years and admire how they run their practices. Mitch Altro and Jeff Schnee have led Legacy Wealth Advisors for many years and have been recognized as a Forbes Best-in-State team every year since 2022. John Ruggiero was the lead advisor for The Heritage Wealth Management Group team who have expanded to maintain an office in Westchester, NY and Boca Raton, FL. John Iervolino and I have worked together for 10 years to manage the Florida region and my practice and I am so grateful that he is continuing with us in this next chapter. Jeff and I have been working as colleagues in the industry since 1993. I hired Mitch in Fort Lauderdale 12 years ago and since brought him to Boca. John came to Janney in 2008 and have grown a mutual admiration for how each other run our practices. We all have deep connections with and admiration for the other advisors that are forming Empire Coast Wealth Partners, making this a truly exciting next chapter in my career. While each of us has a unique background and perspective, what makes this partnership so powerful is how closely aligned we are in our values, philosophy, and commitment to serving our clients. Our team is so excited to start formally working together to help clients in Preserving Heritage and Building Legacy for generations to come. While I will still be your primary financial advisor, you now have the added benefit of this collaborative team working together on your behalf. As Empire Coast Wealth Partners, we are excited about this next chapter and the opportunities it creates to serve you at a higher level. Please feel free to contact me with any questions or visit our website for more details. For more information about awards referenced, including relevant criteria, please visit www.janney.com/award-disclosures. For more information about Janney, please see Janney's Relationship Summary (Form CRS) at www.janney.com/crs which details all material facts about the scope and terms of our relationship with you and any potential conflicts of interest.

September is Life Insurance Awareness Month—a reminder that life insurance can support a range of financial planning needs. Beyond protecting loved ones and replacing income, it may also support broader goals around retirement income, estate planning, and legacy planning.

Start year-end tax planning now to review income, gains and losses, retirement distributions, charitable giving, and tax payments—and prepare for 2027.