David Benedict Layo

Employer firm

Osaic Wealth, Inc. CRD 23131

$235B regulatory AUM 56,660 advisory clients

Reported services (Item 5G)

• Financial planning
• Portfolio management (individuals)
• Portfolio management (institutions)
• Pension consulting
• Selection of other advisers
• Educational seminars

From the firm’s Form ADV. Read the guides:

• Item 5F — Regulatory AUM
• Item 5G — Advisory services
• Full firm profile

Current Employers

Employment History

• 04/2006 → 12/2022
  Cuso Financial Services, L.P.
  San Diego, CA
• 04/2006 → 12/2022
  Citadel Federal Credit Union
  Thorndale, PA
• 12/2022 → Present
  Lincoln Finacial Advisors Corporation
  Exton, PA
• 01/2025 → Present
  Osaic Wealth, Inc.
  Exton, PA

Previous Registrations

• 2022-12-01 → 2025-01-24
  Osaic Fa, Inc.
  Exton, PA
• 2014-02-03 → 2022-12-02
  Cuso Financial Services, L.P.
  Thorndale, PA
  West Chester, PA
  Thorndale, PA

Other Businesses

1) DELPHI INSURANCE MANAGEMENT GROUP 805 SPRINGDALE DRIVE EXTON, PA 19341 CATEGORY: INSURANCE INVESTMENT-RELATED: YES TITLE: AGENT /SELF DUTIES: OFFERING ACCIDENT AND HEALTH INSURANCE, DISABILITY, FIXED ANNUITIES, AND TRADITIONAL LIFE INSURANCE. START DATE: 12/01/2022 HOURS PER MONTH: 5 HOURS PER MONTH DURING TRADING HOURS: 5 2) CAPITAL WEALTH MANAGEMENT GROUP, LLC POSITION: Co-Owner / Financial Planner NATURE: Financial Planning, my intention is to join Capital Wealth Management Group, LLC after separating from Delphi Wealth Management Group in 2026. Expected date end of January or February 1st. INVESTMENT RELATED: Yes NUMBER OF HOURS: 170 SECURITIES TRADING HOURS: 143 START DATE: 02/01/2026 ADDRESS: 5 Capital Drive, Harrisburg PA 17110, United States DESCRIPTION: Financial Planning face to face with clients. Understanding their needs, identifying concerns, analyzing their financial situation and data, developing a plan that best fits their needs, presenting the plan in an understandable way, implementing the plan if they agree and understand, and monitor the plan ongoing.

Exams

• S65 Uniform Investment Adviser Law Examination
  2014-02-01
• S63 Uniform Securities Agent State Law Examination
  1999-03-03

Designations

• Certified Financial Planner