Kalyan George Raman

Li Ma is the sole advisor at Annova LLC, an independent registered investment adviser based in Wilmington, Delaware. He holds a Series 65 designation and has six years of industry experience, including six years at Axalta Coating Systems LLC prior to founding Annova in 2020. Li is also a licensed life insurance agent authorized to serve clients in California, Delaware, Florida, and Pennsylvania and may recommend annuities or life insurance when appropriate. Annova LLC serves individual investors as well as institutional and corporate clients, including trusts and foundations. The firm offers portfolio management through a sponsored wrap-fee program, using risk-based and outcomes-based asset-allocation models across multiple asset classes and engages third-party managers to implement strategies on a discretionary basis.

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.

Damian Scavo is a financial advisor at Streetbeat LLC with four years of industry experience. His prior roles include positions at Nowcasting.ai Inc., Deep Forecast Inc., Samba TV - Free Stream Media Inc., and Axwave Inc. Streetbeat LLC provides non-discretionary online investment advisory services through a web-based platform and mobile app, offering AI-driven strategy recommendations composed of publicly traded stocks and ETFs. The firm emphasizes algorithmic model-based strategies, maintains primarily non-discretionary client relationships with limited allocation authority, and operates without charging an advisory fee.

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. She is currently with Insight Financial Strategists and has held prior roles at DAS Financial Health, LLC, Origin Financial, Envision Wealth Planning, Inc., and Waddell and Reed, Inc. Das also serves as a professor at Delaware State University. Insight Financial Strategists is a state-registered advisory firm serving individuals, high-net-worth clients, trusts, estates, and business entities. The firm emphasizes fundamental analysis across various asset types and offers customized financial planning, asset management, and coordinated tax services.