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 nine years of industry experience. He is the principal and sole advisor at O’H Capital LLC, which he joined in 2023 following a 16-year tenure at Truist Financial and a brief retirement. O’H Capital LLC provides discretionary asset management and investment advisory services to individuals, high net worth clients, trusts, small businesses, and estates. The firm creates personalized investment strategies based on client goals, time horizons, and risk tolerance, utilizing both fundamental and technical analysis.

Paul Jones is a financial advisor at Great Ocean Road Financial with 14 years of industry experience. He holds the PFS™ designation as well as the Series 63 and Series 65 licenses. Prior to founding Great Ocean Road Financial, he worked at Watchtower Wealth Management and held roles in both the public and private sectors. In addition to his advisory work, he is the owner and sole proprietor of Jones Accounting Company, an accounting and tax preparation practice. Great Ocean Road Financial is an independent advisory firm that provides investment management, financial planning, and retirement plan consulting to individual investors and plan sponsors. The firm offers tailored portfolios based on client goals and risk tolerances, utilizing a combination of fundamental, technical, and quantitative analysis along with modern portfolio theory.

Nicholas Shevland is a CFP® and CFA® credentialed advisor with 13 years of industry experience. He is the principal at Breakwater Wealth Management, an independent firm he joined in 2022 after working at DT Investment Partners, Janney Montgomery Scott, and Morgan Stanley. He is also licensed as an insurance agent, recommending insurance products in Millville, DE. Breakwater Wealth Management serves individual and high-net-worth clients by providing wealth management that integrates financial planning with discretionary and non-discretionary portfolio management. The firm emphasizes customized asset allocation primarily through exchange-traded funds and sponsors its own wrap fee program, managing nearly $40 million in client assets.

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 the sole advisor at D/W Financial Consultants LLC in Ocean View, Delaware, holding Series 63 and Series 65 licenses with 43 years of industry experience. He has led the firm since 2009. D/W Financial Consultants provides financial and retirement consulting mainly to plans, plan sponsors, and institutional clients, offering plan-level advice, fund selection assistance, participant education, and customized financial planning through a process of discovery, written recommendations, and periodic reviews. The firm typically recommends diversified portfolios by asset class and does not provide discretionary portfolio management or custody of assets.

John Rothe is the sole advisor at ARTAIS Capital Management, LLC in Lewes, Delaware, holding Series 63 and Series 65 registrations with 24 years of industry experience. He has worked at ARTAIS Capital Management since 2006. ARTAIS Capital Management provides ongoing portfolio management and project-based financial planning to individuals, including high net worth clients, corporate entities, trusts, estates, and charitable organizations. The firm combines fundamental, technical, cyclical, and charting analysis to construct portfolios and offers both research-driven model portfolios and individualized management, with a notable emphasis on non-discretionary assets and serving institutional-type clients alongside individual households.

Eric Stone is a CFP® with 17 years of industry experience and is the sole advisor at ECT Advisory, LLC. He has worked at ECT Financial since 2010. Outside of his advisory role, he is also involved in selling group insurance. ECT Advisory, LLC provides investment management, financial planning, and retirement plan consulting to individuals, estates, trusts, charitable organizations, and corporate pension and profit-sharing plans. The firm employs an asset-allocation approach using actively managed mutual funds, index funds, stocks, and bonds, and offers vendor due diligence and performance monitoring for retirement plans.

Kirsten Lopez is a CFP® and holds a Series 66 license with three years of industry experience. She has worked at Metz Capital Management LLC since 2024 and previously was employed at Merrill for 11 years. Metz Capital Management serves individuals, retirement plans, trusts, estates, charitable organizations, and business entities, providing discretionary investment supervisory services alongside financial, estate, business, and educational planning. The firm focuses on diversified portfolios primarily invested in no-load mutual funds, bonds, equities, and ETFs, with an investment process that emphasizes portfolio diversification, periodic rebalancing, and risk-adjusted analysis.

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.

Andrew Metz is the principal of Metz Capital Management LLC in Lewes, Delaware, with 26 years of industry experience. He holds a Series 65 designation and has led his firm since its founding in 1999. Metz Capital Management provides discretionary investment supervisory services and fee-based financial planning to individuals, retirement plans, trusts, estates, charitable organizations, and business entities. The firm manages approximately $86 million in client assets, offering portfolio management and comprehensive planning with a focus on diversified allocations primarily using no-load mutual funds, ETFs, individual equities, and fixed income securities.

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.

Arjun Goel is a financial advisor at Cagr Finance LLC with a Series 65 credential and one year of industry experience. He previously worked at Evolution Finance Inc. for eight years and has experience at Smith School of Business. Cagr Finance LLC is an SEC-registered investment adviser that provides discretionary, model-based asset management exclusively through an interactive web platform and automated trading. The firm combines fundamental, value-oriented analysis with proprietary ratings and algorithm-driven portfolio management, serving individual and high-net-worth investors via a digital-only delivery model.

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.

Antonios Kypreos is a financial advisor at Axion Financial Group LLC with 16 years of industry experience. He holds the Series 65 designation and has been with Axion Financial Group since 2010. Axion Financial Group LLC provides discretionary portfolio management and financial planning primarily for individual and high-net-worth clients. The firm employs a combination of fundamental, technical, and cyclical analysis, offering strategies that include long and short positions, frequent trading, and options, as well as allocations to private market and alternative investments.

Cameron Fitzgerald is a CFP® and holds a Series 66 license with 15 years of industry experience. He is currently affiliated with BDFS Capital LLC and has prior experience with firms including The Leaders Group Inc, MS Howells & Co., and LPL Financial. Outside of financial advising, he is a partner in a local transportation business, Diamond State Limousine LLC. BDFS Capital LLC provides portfolio management and financial planning services to individuals, charitable organizations, retirement plans, corporations, and trusts. The firm employs multiple analytical methods and offers both long- and short-term trading strategies, sponsoring a wrap fee program and managing a broad investment universe that includes alternatives such as private equity and commodities.

Jeffrey Puglia is a CFP® with 29 years of experience in the financial services industry, currently serving at BDFS Capital LLC. He previously worked at LPL Financial for nine years and at Ms Howells & Co. in 2017. Outside of his advisory role, he is president of Jiggy's Farms, a business producing all-natural soil amendments, and serves as treasurer for the Friends of Milford Museum. BDFS Capital LLC provides portfolio management and financial planning to individuals, charitable organizations, retirement plans, corporations, and trusts. The firm employs multiple analytical methods and both long-term and short-term trading strategies, sponsors a wrap fee program, and offers access to a broad investment universe including alternatives such as private equity and commodities.

Kenneth Reese is a financial advisor at BDFS Capital LLC with 14 years of industry experience. He holds a Series 66 designation and has worked at firms including The Leaders Group Inc, MS Howells & Co., LPL Financial, and Guardian Life Insurance Company. Reese is also a partner at Black Diamond Financial Solutions, where he creates and monitors financial plans and investments. BDFS Capital LLC provides portfolio management and financial planning services to individuals, charitable organizations, retirement plans, corporations, and trusts. The firm employs multiple methods of analysis and offers both long-term and short-term trading approaches, sponsoring a wrap fee program and incorporating a broad investment universe that includes alternatives such as private equity and commodities.