Li Ma is a financial advisor at Annova LLC with five years of industry experience. He holds a Series 65 designation and has worked at Annova since 2020. Prior to that, he was employed at Axalta Coating Systems LLC for six years. Li is also a licensed independent life insurance agent in California, Delaware, Florida, and Pennsylvania and may recommend annuities or life insurance as part of financial planning. Annova LLC provides discretionary portfolio management to individual, institutional, and corporate clients through its Portfolio Management Account wrap-fee program. The firm uses risk-based and outcomes-based asset-allocation models and delegates trading and model implementation to selected investment managers, offering quarterly performance reporting and employing strategies that may include derivatives and alternative investments.

Michael Kwiatkowski is a CFA charterholder and financial advisor with two years of industry experience. He is the principal of WHTG Wealth Management, LLC, an independent firm he founded in 2025. Prior to establishing WHTG, he worked for eight years at The Board of Pensions - PC USA. In addition to his advisory role, he is a licensed insurance professional who dedicates a portion of his time to insurance sales. WHTG Wealth Management provides discretionary investment management and comprehensive financial planning to individuals and high-net-worth clients. The firm employs a long-term investment approach that includes fundamental and cyclical analysis to build diversified portfolios of low-cost mutual funds, ETFs, individual bonds, and occasionally closed-end funds and cryptocurrency ETFs.

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 $475 monthly for as long as we agree that I am providing value. 1-time engagements typically range from $4,000 to $6,000. 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.

Jeffrey Macdonald is a CFP® and ChFC® with 17 years of industry experience. He has been with Investment Management & Planning LLC since 2010 and is also affiliated with LPL Financial LLC. Investment Management & Planning LLC provides fee-based investment advisory and comprehensive financial planning primarily for individual and high-net-worth clients, offering portfolio management on both discretionary and non-discretionary bases. The firm emphasizes ongoing account supervision and individualized asset allocation, often utilizing LPL-sponsored platforms and model portfolios.

George Cones is a financial advisor with Third Sigma Investment Advisors LLC in Wilmington, DE, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has been with Third Sigma since 2009 and also operates an IT consulting and hardware/software sales business through Techlogic, Inc. Additionally, he maintains a legal practice as an attorney. Third Sigma Investment Advisors LLC provides discretionary portfolio management and investment consulting to individuals, trusts, estates, charitable organizations, and pension and profit-sharing plans. The firm employs a cost-effective investment approach combining active managers and low-cost mutual funds and ETFs, with a focus on customized asset allocation and tax-efficient transitions.

Damon Nickle is a financial advisor at Delaware Wealth Planners with 15 years of industry experience. He holds the Series 65 designation and has previously worked at Biddle Capital Management for 11 years. In addition to his advisory role, he works as an independent insurance agent specializing in fixed products. Delaware Wealth Planners serves individuals, high-net-worth clients, and pension and profit-sharing plans, offering discretionary portfolio management, financial planning, and pension consulting. The firm employs a combination of fundamental, quantitative, technical, and modern portfolio theory analysis, managing accounts on a discretionary basis with regular reviews and formal pension consulting services.

Nandita Das is a CFP® and CFA® with eight years of industry experience, currently serving as a financial advisor at Insight Financial Strategists. She has held roles at firms including Origin Financial and Envision Wealth Planning, and also operates DAS Financial Health, LLC. In addition to her advisory work, she is a professor at Delaware State University. Insight Financial Strategists provides investment management, financial planning, and consulting services to individuals, high-net-worth clients, trusts, estates, and business entities. The firm employs a fundamental analysis approach with a buy-and-hold orientation, offering discretionary portfolio management as well as modular and one-time planning engagements.

John Garner is a CFP® and ChFC® credentialed financial advisor with 18 years of industry experience. He is currently with Black Arrow Capital LLC and has previously worked at Heritage Wealth Management Group, Ltd and Capital One Investing, LLC. Black Arrow Capital LLC serves individuals, high-net-worth households, charitable organizations, and businesses by providing discretionary investment management alongside comprehensive financial planning and retirement plan consulting. The firm uses a blend of modern portfolio theory and both passive and active strategies, incorporating fundamental, technical, and cyclical analysis to tailor asset allocation to client goals and risk tolerance.

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.

Scott Snyder is a CFP®, CFA®, and holds a Series 66 license with 22 years of industry experience. He has been with N1 Advisors since 2003 and concurrently worked at M. Holdings Securities, Inc. from 2003 to 2023. N1 Advisors is a four-advisor team providing discretionary portfolio management, financial planning, and pension consulting to individuals, retirement plans, and trusts. The firm manages approximately $393 million across five offices and emphasizes client-specific profiles and investment objectives, implementing portfolios primarily through mutual funds, ETFs, and fixed-income products.

Raymond Heidel is a Certified Financial Planner® with 25 years of industry experience. He has been with Five Rivers Financial Advisors, LLC since 1997. The firm manages approximately $52.6 million for individuals, trusts, pension and profit-sharing plans, estates, charitable organizations, and small business entities, serving both high-net-worth and non-HNW clients. Five Rivers Financial Advisors provides fee-based portfolio management and financial planning services, utilizing a tailored approach based on client objectives, risk tolerance, and liquidity needs.

Howard Richardson is a CFP® professional with 34 years of industry experience. He has been with Investment Management & Planning LLC since 2002 and has also been associated with LPL Financial since 1997. Outside of his advisory work, he owns two coffee-related businesses, Kaffe Karma in Greenville, DE, and Karmas Korner in Wilmington, DE. Investment Management & Planning LLC provides fee-based investment advisory and financial planning services primarily for individual and high-net-worth clients. The firm offers portfolio management using mutual funds, ETFs, equities, and fixed income, emphasizing personalized asset allocation and ongoing account supervision.

Stephen Hyde is a CFP® with 36 years of industry experience. He has been with HFM Investment Advisors, Inc. since 1993 and also has a long tenure with MML Investors Services, Inc. and Massmutual Life Insurance Company. Outside of his advisory work, he serves as a board member and trainer for the Catholic Leadership Institute and is a board member at St. Marks High School. HFM Investment Advisors provides discretionary investment management and financial planning services to a diverse client base including individuals, retirement plans, trusts, estates, charitable organizations, and business entities. The firm’s investment approach centers on fundamental security analysis and diversified asset allocation tailored to client goals, with regular reviews and client meetings to ensure suitability and alignment with client restrictions.

Eric Pressler is a financial advisor at N1 Advisors with 25 years of industry experience. He holds a Series 65 designation and has worked at M Holdings Securities, Inc. from 2004 to 2023. Pressler has been with N1 Advisors since 2003, contributing to the firm’s team of four advisors. N1 Advisors provides discretionary portfolio management, financial planning, and pension consulting to individuals, retirement plans, and trusts. The firm manages approximately $393 million across about 180 clients and operates from five offices, implementing portfolios primarily through mutual funds, ETFs, and fixed-income products on a discretionary basis.

Brent Bonstingl is a financial advisor at Delaware Wealth Planners with 13 years of industry experience. He holds Series 65 and Series 66 licenses and has worked at Delaware Avenue Wealth Planners, LLC since 2013, including a prior period there from 2013 to the present, as well as seven years at Penn Investment Advisors, Inc. Brent also works as an independent insurance agent specializing in fixed products. Delaware Wealth Planners serves individuals, high-net-worth clients, and pension and profit-sharing plans by providing discretionary portfolio management, financial planning, and pension consulting. The firm employs a combination of fundamental, quantitative, technical, and modern portfolio theory analyses and offers formal pension consulting, including fiduciary roles for ERISA plans.

Patrick Rogan is a CFP®-credentialed financial advisor with 15 years of industry experience. He is currently with Black Arrow Capital LLC in Lexington, SC, where he has worked since 2024. His prior experience includes roles at Fidelity Brokerage Services LLC and Capital One Investment Services, LLC. Black Arrow Capital LLC serves individuals, high-net-worth households, charitable organizations, and businesses, providing discretionary investment management, comprehensive financial planning, and retirement plan consulting. The firm combines modern portfolio theory with passive and active strategies, incorporating fundamental, technical, and cyclical analysis to tailor asset allocation to client goals and risk tolerance.

Marc Hansen is a CFP® professional at JPL Asset Management and Planning, LLC with 27 years of industry experience. He has been with JPL since 2010. In addition to his advisory role, he is an independent insurance agent specializing in fixed products. JPL Asset Management and Planning serves individual clients, trusts, custodial accounts, and 401(k) participants by providing investment advisory and financial planning services. The firm employs traditional asset-allocation models to build diversified portfolios and manages accounts on a non-discretionary basis, emphasizing individualized portfolio management.

Christopher Bove is a financial advisor with JPL Asset Management and Planning, LLC in Newark, DE, holding Series 63 and Series 65 licenses and having 29 years of industry experience. He has been associated with Linsco/Private Ledger Corp. since 1996. Outside of his advisory role, he is an independent insurance agent selling fixed annuities. JPL Asset Management and Planning serves individual clients, trusts, custodial accounts, and 401(k) participants by providing investment advisory and financial planning services. The firm employs traditional asset-allocation models to build diversified portfolios and manages accounts on a non-discretionary basis, with advisors also active as insurance producers conducting those activities outside firm supervision.