Carlos Everardo Ward Jr.

Jeffrey Kaczmarczyk is a CFA® charterholder and holds a Series 65 license, with four years of industry experience. He is currently the sole advisor at Tri-State Wealth Advisors, having previously worked at Blue Rock Financial Group, MLK Investments, Roch Capital, FS Investment Solutions, LLC, and Wilmington Trust. Tri-State Wealth Advisors is an independent registered investment adviser serving individual and high-net-worth clients with portfolio management, comprehensive financial planning, and pension consulting. The firm integrates tax preparation services through an affiliated tax firm and applies fundamental analysis, modern portfolio theory, and technical analysis within a long-term trading approach.

My passion is bringing clarity and confidence about money and a feeling of security to the families who have entrusted me to guide them. I have more than 25 years of experience working with hundreds of families and pair that with deep technical knowledge to help you maximize your financial life. Working with me, we’ll first address your biggest concerns and agree on what areas to prioritize. Then we’ll identify and address gaps across all aspects of your financial plan. Retirement and goal planning, investments, and taxes are often the primary issues to address, but over time we will also review your estate plan, insurance, employee benefits, and just about any other financial issue that may come up. I especially love working with those who are philanthropically minded, helping them maximize their charitable giving to support the causes they love. I work on a flat-fee basis, primarily with ongoing relationships but can also provide 1-time plans. I am also “advice-only”, meaning that I do not control or directly manage your investments. I do provide specific and actionable investment recommendations and can help you implement changes. I believe in low-cost, passive strategies and believe that simpler is almost always better. There are no asset minimums, but I find that I work best with mid to late-stage professionals approaching or transitioning into retirement. I primarily meet virtually and can serve clients across the country. Always 100% Fiduciary, never any products to sell you. Pricing can vary depending on complexity, but usually consists of an initial start-up fee of $2500, then $550 monthly for as long as we agree that I am providing value. 1-time engagements typically range from $4,500 to $6,500. In addition to being a CERTIFIED FINANCIAL PLANNER™ professional, I hold the Accredited Estate Planner (AEP®) and Tax Planning Certified Professional (TPCP®) designations, a master’s degree in Personal Financial Planning, and am a Chartered Advisor in Philanthropy (CAP®). I live in Newark, Delaware with my wife Maria, and together we have 3 wonderful children, Allie, Zach, and Josh. I am involved in the community with several organizations and non-profits.

Joseph Baczkowski is a financial advisor at Baczkowski & Company, an independent firm where he has served as the sole adviser since 1998. He holds Series 63 and Series 65 licenses and has three years of industry experience. Prior to his current role, he worked at Sargent & Lundy LLC for 11 years. Baczkowski & Company provides portfolio management and financial advisory services to individual clients, focusing on discretionary management of a small client roster without minimum account balances. The firm uses publicly available research and a mix of securities, mutual funds, and ETFs to tailor diversified portfolios, with investment decisions monitored daily and trades timed using in-house forecasts.

Nandita Das is a CFP® and CFA® credentialed advisor with eight years of industry experience, currently with Insight Financial Strategists in Newark, DE. She has previously worked with Origin Financial, Envision Wealth Planning, and Waddell and Reed, among others. In addition to her advisory role, Das serves as a professor at Delaware State University. Insight Financial Strategists is a small advisory firm serving individuals, high-net-worth clients, trusts, estates, and business entities. The firm provides discretionary and non-discretionary asset management, financial planning, consulting, and coordinates tax services through third-party firms, employing a fundamental analysis approach with diverse investment vehicles.

John Garner is a CFP® and ChFC® with 19 years of industry experience. He is currently with Black Arrow Capital LLC, where he has worked since 2023. His prior experience includes roles at Heritage Wealth Management Group, Ltd and Capital One Investing, LLC. Black Arrow Capital LLC provides investment management and financial planning services to individuals, charitable organizations, and corporate plan sponsors. The firm combines modern portfolio theory with both passive and active management, offering a range of strategies that may include alternative investments and cryptocurrency exposure tailored to client preferences.

Benjamin Huber is a CFP® professional at Five Rivers Financial Advisors, LLC with seven years of industry experience. He has been with Five Rivers Financial Advisors since 2011. Five Rivers Financial Advisors manages approximately $52.6 million for a range of clients including individuals, trusts, pension and profit-sharing plans, estates, charitable organizations, and small businesses. The firm provides fee-based portfolio management and financial planning services, utilizing a tailored approach based on client objectives, time horizons, risk tolerance, and liquidity needs.