Evan Sparks is a financial advisor at Cetera with a Series 66 designation and less than one year of industry experience. His background includes roles at Cetera Wealth Services, LLC, and prior experience at the University of Delaware. He is also involved with Little Landmines, a venture active since 2020. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with a range of investment program options and manages over $256 billion in assets.

John Stella is a financial advisor with Ameriprise in Landenberg, PA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2011. Ameriprise provides retirement-income planning services aimed at clients with significant investable assets, offering written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm uses a centralized consulting team and algorithmic tools to support its advisors in delivering tailored retirement-income advice.

Michelle Czernik is a financial advisor at J.P. Morgan Securities with 23 years of industry experience. She holds Series 63 and Series 66 designations and has been with JPMorgan Chase and its affiliates since 1998. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process incorporates centralized due diligence and may include ESG criteria, with clients maintaining final decision-making authority.

Addison Lynch serves as Vice President and Branch Leader. In this role, Addison focuses on fostering a high-performance work culture by empowering associates to maximize their talents and support clients in planning for long-term financial well-being. Addison has held several positions in the financial services industry. Prior to the current role, Addison was a Branch Leader at Fidelity Investments starting in 2022. From 2018 to 2022, Addison worked as a Client Relationship Manager at Charles Schwab. Earlier roles include Supervisory Manager at JPMorgan from 2016 to 2018 and Client Service Associate at JPMorgan from 2012 to 2016.

Tyler Malek is a financial professional with 13 years of industry experience, currently affiliated with Cetera. He holds a Series 66 designation and has worked with Diamond State Financial Group since 2013, in addition to roles at Minnesota Life and Securian Financial Services. Outside of advisory work, he is a partner in a rental property business. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager investment platform with a range of portfolio management and consulting services, supporting over 10,000 advisors and managing assets in excess of $256 billion.

Nikolas Mandalas is a financial advisor at Mass Mutual Investors Services with a Series 66 designation and one year of industry experience. He previously worked at Northwestern Mutual and has experience in academic roles at the University of Delaware and Temple University. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, employing tools such as Monte Carlo simulations and automated asset-allocation software to support its planning services.

Kyle Banal is a financial advisor with LPL Financial in Wilmington, DE, holding a Series 66 designation and two years of industry experience. Prior to joining LPL Financial in 2024, he worked at Bank of America for one year and was involved with Young Life for seven years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by tools such as machine learning for operational and research assistance.

Patrick Di Giacomo is a financial advisor at UBS Financial Services with four years of industry experience. He holds a Series 66 designation and has worked at UBS Financial Services since 2021. His prior roles include positions at Tres Commas, LLC and DiGiacomo Bookkeeping Associates, LLC. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans and portfolio management.

Jake Armstrong is a financial advisor with Merrill in Wilmington, DE, holding Series 65 and Series 63 licenses and one year of industry experience. His prior roles include positions at The Vanguard Group, Matt's Fish Camp, and Wilmington Blue Rocks. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies managed by internal and third-party teams for a range of clients including individuals, high-net-worth clients, and institutional plans.

James Coll is a financial advisor with 32 years of industry experience, currently affiliated with Cetera. He holds Series 63 and Series 65 licenses and has previously worked at Avantax, Ameriprise Financial Services, and H.D. Vest. In addition to advisory work, he owns and operates James J Coll & Associates LLC, providing accounting services and tax preparation. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through a nationwide network of independent advisors and employs a multi-manager platform approach with access to affiliated and third-party investment managers.

Paul Karcher is a financial advisor at RBC Capital Markets with 43 years of industry experience. He holds a Series 63 designation and has worked previously at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. Outside of his advisory role, Mr. Karcher operates a garden business focused on building raised bed gardens and conducts self-defense workshops through a personal safety company. He also serves as a committee member leading voter outreach efforts in his local precinct. RBC Wealth Management, a division of RBC Capital Markets, offers a wide range of advisory programs and services to individual investors, institutions, corporations, and charitable organizations. The firm customizes investment strategies based on client risk profiles, utilizing both in-house and third-party managers, and provides integrated portfolio management, planning, custody, and brokerage solutions.

Robert Griesemer is a financial advisor with LPL Financial in Wilmington, DE, holding the ChFC® designation and Series 63 license. He has 42 years of industry experience, including previous roles at Lincoln Financial Securities Corporation and Financial House. He is also the owner of Certified Consultants Inc., a tax preparation and accounting business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutional clients. The firm provides a range of advisory services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Tyler Herron is an Investment Consultant at Fidelity Investments, where he has been working since 2025. Prior to this role, he served as a Financial Solutions Advisor at Merrill Lynch from 2020 to 2025. Tyler focuses on helping clients make confident financial decisions by combining personalized planning with thoughtful investment strategies. He aims to provide clients with clarity and direction in their investment decisions and to collaborate towards a positive financial future. Outside of his professional work, Tyler has interests that include baseball, cars, football, social events with friends, golf, and pets.

Michael Lahoda is a financial advisor with Raymond James Financial in Wilmington, DE, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. His work history includes roles at Raymond James Financial Services since 2004, non-variable insurance since 2012, and a 16-year tenure with the State of Delaware. He is also involved as a supervisory committee member of the New Castle County School Employees Federal Teacher's Credit Union. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary advisory services that incorporate risk profiling and probabilistic modeling and supports specialized municipal and public-finance work through its unique municipal advisor affiliation.

Richard Di Palma is a financial advisor at Edward Jones with five years of industry experience. He holds a Series 66 designation and has served in the New Jersey Army National Guard for 16 years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Aj Lopez is a Financial Advisor at Merrill Lynch Wealth Management focused on providing clear, actionable strategies for long-term financial success. Drawing on six years of active duty service in the United States Air Force, Aj emphasizes preparation, accountability, adaptability, and calmness under pressure in his advisory approach. He works with individuals, families, corporate executives, and business owners to simplify complex financial decisions related to retirement income planning, tax minimization, portfolio management, and small business strategies. Aj's methodology centers on practical, disciplined planning tailored to clients' unique goals, leveraging the resources of Merrill and Bank of America to deliver integrated financial solutions. Aj holds a Bachelor's Degree from the University of Delaware and carries the Personal Investment Advisor (PIA) designation. Outside his professional activities, he enjoys baseball, boxing, chess, football, golfing, hiking, skiing, and spending time with his family.

Christopher Kolmer is a Wealth Management Advisor with extensive experience in both institutional and individual investing. After spending a decade at Deutsche Bank as Vice President in Global Market Sales for Fixed Income, he joined Merrill Lynch Wealth Management in 2015 to focus on assisting individuals and families directly. He serves ambitious and well-educated clients who often have the financial knowledge but not the time to manage their wealth, offering guidance that simplifies complex matters and fosters confidence. Chris holds the CERTIFIED FINANCIAL PLANNER (CFP) certification and a Bachelor's degree in Finance from Villanova University. He emphasizes a proactive and professional approach, aiming to be a reliable resource during major life transitions and ongoing financial planning. He works collaboratively with his brother, Kevin Jr., leveraging their complementary strengths to provide a dynamic team experience for families. Outside of his professional life, Chris is a father of three sons and enjoys spending time with his family, including coaching his oldest son's baseball team. He also pursues interests such as cooking, golfing, and supporting Wildcats basketball.

Drew Hoffman is a Senior Financial Advisor at Merrill Lynch Wealth Management. He leads the Armstrong Bugher Group, which coordinates and oversees the financial affairs of families, retirees, corporate executives, business owners, and nonprofit organizations primarily in the Wilmington and Greater Philadelphia areas, as well as nationally. Drew’s approach emphasizes building personalized, goals-based wealth management strategies designed to help clients achieve their financial objectives. With a background that includes roles as a human resource executive at Bank of America and Associate Market Executive at Merrill Wealth Management, Drew transitioned to financial advising in 2015 to serve clients directly. He focuses on areas such as employee financial health, legacy planning, managing new wealth, personal retirement planning, women and wealth, and retirement income. Drew holds a Bachelor's degree in Economics from Indiana University and a Master's degree in Human Resources from Michigan State University. He is also a Personal Investment Advisor (PIA). Outside of his professional life, Drew enjoys golfing, music, traveling, and spending time with his family, including his wife Kim and their two rescue dogs. He is active in the community, serving on the Board of the Delaware Humane Association and involved with the Pancreatic Cancer Action Network. Fluent in English and French, Drew combines his diverse interests and experience to build strong relationships with clients and support their financial success.

Michael Strulson is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He previously worked at Oppenheimer for 17 years before joining RBC Capital Markets in 2021. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charities. The firm offers a range of wrap fee advisory programs with customizable investment strategies implemented through a combination of in-house and third-party managers, supported by integrated capital markets and affiliated asset management capabilities.

Robert Judge is a financial advisor with Ameriprise in Wilmington, DE, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Ameriprise and its affiliate since 2015. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to generate tailored, non-discretionary recommendations through a centralized consulting team.