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.

John Anagnos is a financial advisor at Aetolia Capital LLC with 25 years of industry experience. He holds a Series 66 designation and previously worked at Oppenheimer & Co from 2013 to 2017 before founding Aetolia Capital in 2017. Aetolia Capital provides discretionary investment management primarily for individuals, households, and high-net-worth clients. The firm employs a macroeconomic-driven, research-intensive investment approach that integrates fundamental, quantitative, and technical analysis across various asset classes, managing about $38.85 million across approximately 63 client accounts as of the end of 2024.

Walter Hoffman is the sole advisor at Hoffman Financial Consultants in Belcamp, MD, with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Osaic Wealth, Inc. and SagePoint Financial, Inc. Hoffman also sells term life insurance as an independent contractor. Hoffman Financial Consultants provides investment advisory and financial planning services to individuals, trusts, and estates. The firm offers non-discretionary advice with a long-term buy-and-hold investment approach, incorporating both fundamental and technical analysis, and emphasizes personal client contact.

Craig Lytle is a CFP® professional with 26 years of experience in the financial services industry. He is currently with Integrity Alliance, LLC and has previously worked at Signator Investors, Inc. and Transamerica Financial Advisors, Inc. In addition to his advisory role, he owns an independent insurance agency specializing in life, accident, health, and property/casualty insurance, as well as Income and Estate Planning Partners, P.A., which provides comprehensive financial planning services. Integrity Alliance serves a diverse client base including individuals, charitable organizations, corporations, and retirement plans through a network of 164 independent investment adviser representatives. The firm offers continuous asset management, financial planning, retirement plan consulting, and access to third-party manager programs, utilizing a variety of portfolio management approaches and custodial platforms.

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.

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.

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.

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.

Ryan Ruark is a financial advisor with Integrity Alliance, LLC, holding a Series 66 designation and two years of industry experience. Prior to joining Integrity Alliance, he worked at Cambridge Investment Research and Lion Street Financial. He serves as a volunteer board member for the JT Dorsey Foundation and is a committee member for The Foundation for Enhancing Communities. Integrity Alliance serves a diverse client base including individuals, charitable organizations, corporations, and retirement plans through a network of 164 independent advisors. The firm provides a range of investment management and financial planning services, employing various portfolio construction approaches and offering access to multiple custodial platforms and third-party manager programs.

Marissa Frizzell is a financial advisor at Abridge Partners, LLC with one year of industry experience. She holds a Series 65 designation and previously worked at Proteus, LLC and Sei. Abridge Partners serves primarily high-net-worth individuals, their trusts, estates, and retirement accounts, as well as charitable organizations and corporate entities. The firm offers financial planning, consulting, and investment management using a strategic asset-allocation framework and a core-satellite portfolio construction that includes both passive and active investments.

Phillip Farmer is a financial advisor at Aegis Capital Corp. with 33 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Bank of America and Merrill. Outside of his advisory role, he is involved with ACC Corp., a general insurance agency. Aegis Capital Corp. serves individual investors, retirement and benefit plans, trusts, estates, and corporate clients by providing investment advisory and brokerage services, financial planning, and managed account programs through RBC and AXOS platforms. The firm offers both discretionary and non-discretionary account options and supports a range of client objectives and restrictions.

Reid Strobel is a financial advisor with Aprio Wealth Management, LLC, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. His prior work includes roles at RBC Capital Markets, LLC and M&T Securities, as well as M&T Bank. He is also involved with Aprio Risk Management and Aprio Advisory Group. Aprio Wealth Management serves individuals, qualified retirement plans, trusts, estates, charitable organizations, and business entities by providing portfolio management, financial planning, plan sponsor advisory, and consulting services. The firm manages approximately $2.64 billion across a multi-advisor team and offers tailored investment programs along with access to private investment opportunities.

Lamont Parker is a financial advisor with Lifemark Securities Corp. in Newark, DE, holding Series 63 and Series 65 credentials and having 28 years of industry experience. He has been with Lifemark Securities since 2011 and has worked as an independent insurance agent since 1997. Parker and his wife founded the DVWMG Foundation in 2006, where he serves as president and donates money and food to the community. Lifemark Securities Corp. provides fee-based investment advisory services and financial planning primarily to individual investors and sponsors of participant-directed retirement plans. The firm offers various managed account programs and emphasizes suitability-driven advice tailored through risk assessments.

Jude Kotarides is a financial advisor at CW Advisors, LLC with 24 years of industry experience. He holds the PFS™ designation and previously worked at Alliant Financial Management, Inc. for over three decades before joining Congress Wealth Management LLC in 2023. CW Advisors serves a diverse client base including individuals, high-net-worth families, trusts, estates, charitable organizations, and institutional clients. The firm employs a core-and-satellite investment approach that integrates active, passive, quantitative, and environmentally conscious strategies, offering wealth management, retirement plan advisory, family office services, and sub-advisory support.

Ryan Flurie is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Summit Financial, LLC. His prior experience includes roles at The Vanguard Group, Inc. and Mallard Financial Partners Inc. He holds the Series 66 designation. Summit Financial, LLC provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, pension plans, and charitable organizations. The firm offers both discretionary and non-discretionary investment programs, retirement plan advisory services, and access to insurance and variable annuity products through affiliated and unaffiliated partners.