Bradley Fine is a Series 65-licensed financial advisor with eight years of industry experience. He is the sole principal of Four Seasons Investment Management LLC and previously worked at Sandy Spring Bank/TRUST for 17 years. Four Seasons Investment Management is an independent, fee-only firm serving individual investors, trusts, endowments, and select business entities. The firm offers discretionary wrapped investment management, hourly advisory services, and educational seminars, managing portfolios under a fiduciary Prudent Investor Standard with a focus on globally diversified allocations and tax sensitivity.

Kevin Ohara is a CFP® professional with eight years of industry experience. He is currently with O'H Capital LLC, where he has worked since 2023, following a 16-year tenure at Truist Financial and a brief retirement. O'H Capital LLC provides discretionary asset management and ongoing investment advisory services to individuals, high net worth clients, trusts, small businesses, and estates. The firm develops client-specific investment strategies using fundamental and technical analysis and conducts quarterly portfolio reviews under discretionary trading authority.

Nicholas Shevland is a CFP® and CFA® with 12 years of industry experience. He is the sole advisor at Breakwater Wealth Management, a Delaware-registered independent firm he founded in 2022. His prior experience includes roles at Janney Montgomery Scott, Morgan Stanley, and Morgan Stanley Private Bank. He is also a licensed insurance agent in Millville, DE. Breakwater Wealth Management serves individuals and high-net-worth clients with wealth management services including financial planning, discretionary portfolio management, and retirement-account advice. The firm employs a primarily long-term, ETF-centered investment approach tailored to client goals and risk tolerance, and offers a wrap fee program that integrates transaction and custodial costs into its advisory fee.

Michael Loftus is the principal of Loftus Wealth Strategies, an independent advisory firm, with 26 years of experience in the financial services industry. He holds Series 63 and Series 66 licenses and has previously worked at Cambridge Investment Research and United Planners' Financial Services of America. Outside of advising, he owns Loftus Coaching & Consulting, which provides consulting and marketing services to other financial advisors. Loftus Wealth Strategies is a fee-only registered investment adviser serving individual and high-net-worth clients. The firm employs a combination of passive and active investment strategies, providing discretionary portfolio management and financial planning tailored to client objectives and risk tolerances.

Glen Harding is the sole advisor at Harding's Wealth Managers, Inc. in Millsboro, DE, holding Series 63 and Series 65 licenses with 25 years of industry experience. He has led his independent firm since 2006. Harding is also active as an independent insurance agent, selling fixed and indexed annuities as well as various life and long-term care insurance products. Harding’s Wealth Managers, Inc. offers personalized investment management and financial planning services to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm provides both discretionary and non-discretionary asset management, constructing custom portfolios using mutual funds, ETFs, and other exchange-traded products, with ongoing account monitoring and formal reviews at least semiannually.

Benjamin White is a financial advisor at D/W Financial Consultants LLC with 42 years of industry experience. He holds Series 63 and Series 65 credentials and has been with his current firm since 2009. D/W Financial Consultants provides financial and retirement consulting primarily to plans, plan sponsors, and other institutional clients, as well as trusts, estates, charitable organizations, and business entities. The firm offers plan-level advice, fund selection assistance, participant education, and customized financial planning, typically recommending diversified portfolios by asset class without discretionary management or custody of assets.

At Back Bay Financial Planning & Investments, we specialize in helping individuals and families navigate the transition into retirement—especially those relocating to, or already enjoying life along, the Maryland and Delaware coasts. We provide financial clarity and confidence so you can focus on what really matters: enjoying your life at the beach. What You Can Expect From Us: A Personalized Retirement Roadmap We build your financial plan around your lifestyle goals, values, and priorities. From income strategies to long-term projections, we design a plan built to evolve with you. Tax-Smart Planning We help you make the most of your income and investment withdrawals, with proactive strategies to reduce your tax burden now and in the future. Investment Management Our portfolios are thoughtfully constructed to reflect your retirement timeline and risk preferences—with a focus on keeping costs low and outcomes aligned with your goals. Estate & Legacy Coordination We’ll work alongside your attorney or help you think through your legacy wishes, ensuring your wealth passes smoothly and intentionally to the next generation. Ongoing Support & Real Conversations You’ll have a dedicated partner who explains the complex in plain English, stays in touch proactively, and adapts your plan as life evolves. We limit the number of clients we serve so we can deliver the kind of hands-on, highly personalized advice that bigger firms often can’t match. Our mission is simple: help you retire with confidence and live fully in the coastal community you love.

John Farrell is a financial advisor at Greenwich Financial Advisors, LLC with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Greenwich Financial Advisors since 2010. Greenwich Financial Advisors provides investment advisory and financial planning services to individuals, trusts, estates, and business entities. The firm uses a variety of investment strategies tailored to client objectives, including fundamental, technical, and cyclical analysis, and offers specialized services such as corporate and personal tax planning, cost segregation studies, and corporate structure advice.

Bruce Kramer is a financial advisor at Greenwich Financial Advisors, LLC with eight years of industry experience. He holds a Series 65 designation and has been managing his own CPA firm, Bruce Kramer CPA, LLC, since 2014, where he dedicates most of his time to accounting and tax preparation services. Greenwich Financial Advisors, LLC provides investment advisory and financial planning services to individuals, trusts, estates, and business entities, offering comprehensive portfolio management and specialized tax and corporate planning. The firm employs a variety of investment strategies tailored to client objectives and risk tolerance, emphasizing tax- and corporate-oriented advisory services alongside active portfolio management and alternative investment access.

Neoklis Kypreos is a financial advisor with Axion Financial Group LLC, holding a Series 65 designation and 15 years of industry experience. He has been with Axion Financial Group since 2011 and is also the managing member of Front Gate LLC. Kypreos serves on the Board of Trustees of the Salisbury School Foundation. Axion Financial Group provides discretionary portfolio management and financial planning primarily for individual and high-net-worth clients. The firm employs a range of investment strategies, including long and short positions, options, and allocations to private market and alternative vehicles, and maintains active relationships with other advisory firms through referrals and fee-sharing arrangements.

Harold Carmean is a financial advisor at CWM Advisory, LLC with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at SCF Investment Advisors, SCF Securities, WFG Investments, and National Life of Vermont. Outside of his advisory role, he is an instructor for the 3of7Project, a training company focused on mental, spiritual, and physical development. CWM Advisory, LLC provides advisory and planning services primarily to individual and high-net-worth clients as well as pension and employee benefit plans. The firm emphasizes client goal identification and risk tolerance to place clients into SEI-managed strategies using modern portfolio theory and long-term investment approaches, while offering concierge and multi-generation planning services.

Tristan Jacobi is a CFP® with seven years of industry experience, currently serving at CWM Advisory, LLC. He has held roles at both CWM Advisory and Creative Wealth Management since 2018. In addition to his advisory work, he is an independent licensed insurance agent. CWM Advisory, LLC provides financial planning and advisory services primarily to individual and high-net-worth clients, as well as pension and employee benefit plans. The firm employs a model that places clients into SEI-managed investment strategies based on their goals and risk tolerance, offering concierge and multi-generational planning services while coordinating with third-party subadvisers for portfolio management.

Antonios Kypreos is a financial advisor at Axion Financial Group LLC with 15 years of industry experience. He holds a Series 65 designation and has been with Axion Financial Group since 2010. The firm provides discretionary portfolio management and financial planning primarily for individual and high-net-worth clients, employing a combination of fundamental, technical, charting, and cyclical analysis. Axion maintains active relationships with other advisory firms and offers access to alternative investment vehicles, including hedge funds and private equity.

Jordan Talbert is a Series 65-credentialed advisor with CWM Advisory, LLC, bringing one year of industry experience. He has worked at CWM Advisory since 2024 and previously at Creative Wealth Management. Outside of advisory work, Talbert is a licensed insurance agent authorized to sell life, health, and fixed annuities. CWM Advisory, LLC provides advisory and planning services primarily to individual and high-net-worth clients as well as pension and employee benefit plans. The firm directs investment management to third-party advisers using SEI-managed strategies focused on client goals, risk tolerance, and long-term investment approaches.

Cynthia De Sainte Maresville is a financial advisor at Smithbridge Asset Management, Inc. with 30 years of industry experience. She holds the CFP® designation and has previously worked at Quantum Strategies, LLC, MML Investors Services, LLC, MSI Financial Services, Inc., and Metropolitan Life Insurance Company. In addition to her advisory role, she is an independent insurance agent. Smithbridge Asset Management provides financial planning and discretionary portfolio management for individuals, trusts, estates, retirement plans, endowments, charitable organizations, and institutional clients. The firm employs a disciplined, fundamental-analysis driven investment approach focused on diversified, tax-aware portfolios and manages both individually tailored portfolios and model portfolio programs.

Justin Bennitt is a financial advisor at Blue Rock Financial Group with 16 years of industry experience. He holds a Series 65 credential and previously worked at Brandywine Global Investment Management, LLC for 11 years. He is also involved with Dravo Bay LLC. Blue Rock Financial Group serves individuals, high-net-worth families, trusts, businesses, and retirement plans, offering investment management, financial planning, and retirement-plan advisory services. The firm employs a long-term strategic asset allocation approach using low-cost ETFs and institutional share classes, integrating financial planning with ongoing portfolio monitoring and reviews.

Leonard Hayduchok is a CFP® professional with 18 years of experience in financial services. He is currently with Turner Financial Group, Inc. and has held roles at several firms including Dedicated Senior Advisors and SGL Financial, LLC. Turner Financial Group provides investment advice and financial planning to individuals, families, high-net-worth clients, and charitable organizations. The firm manages approximately $171 million in discretionary assets through a team of eight advisors, using model-based portfolio allocations and a combination of fundamental, technical, and cyclical analysis.

Kenneth Nuttall is a CFP® with seven years of industry experience, currently serving as an advisor at Blackdiamond Wealth Management, LLC. His prior experience includes roles at Acorn Financial and J.P. Morgan Chase. He is also involved in insurance sales as a non-investment related business activity. Blackdiamond Wealth Management serves individuals, high-net-worth clients, trusts, estates, corporations, and retirement plans. The firm employs a primarily long-term investment approach focused on diversified portfolios using low-cost mutual funds and ETFs, supplemented by fundamental, technical, and cyclical analysis.

Carter Mc Clung is a CFP® professional with four years of industry experience, currently serving at Blue Rock Financial Group. His prior roles include positions at Dravo Bay LLC and Bell Rock Capital, as well as work associated with the University of Delaware. Blue Rock Financial Group serves individuals, families, trusts, businesses, and retirement plans by providing investment management, financial planning, and retirement-plan advisory services. The firm employs a modern portfolio theory approach, focusing on low-cost ETFs and mutual funds, and integrates financial planning into its advisory relationships.

Todd Roselle is a CFP® and ChFC® with 20 years of industry experience. He is currently with Blue Rock Financial Group and previously worked at Purshe Kaplan Sterling Investments and Cambridge Investment Research. Roselle serves on the State of Delaware Investment Committee and is president of the Harmon Bay Homeowners Association. Blue Rock Financial Group serves individuals, families, trusts, businesses, and retirement plans, offering investment management, financial planning, and retirement-plan advisory services. The firm emphasizes a modern portfolio theory approach with low-cost ETFs and passive mutual funds, integrating financial planning and utilizing both institutional and robo-advice platforms.