James Johnson is a financial advisor at Merrill Lynch Wealth Management, operating under the FSA designation. He provides wealth management services to clients through Merrill Lynch. James holds a Bachelor's Degree from Liberty University. Details about his specific areas of expertise or additional professional credentials are not provided.

John Stiner is a financial advisor with Ameriprise, holding a Series 66 designation and 19 years of industry experience. He has been with Ameriprise and its related entities since 2006. Outside of his advisory work, he self-publishes fiction through platforms such as Amazon. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary, written recommendation reports, supported by a centralized consulting team and algorithmic tools.

Nancy Littleton is a financial advisor at Mass Mutual Investors Services with 24 years of industry experience. She holds the ChFC® designation and Series 63 and 66 licenses. Nancy has worked at Mass Mutual Investors Services since 2017 and has been with Massachusetts Mutual Life Insurance Company since 2016. She serves as Membership Chair for the National Association of Insurance and Financial Advisors (NAIFA) Delaware chapter and is active as an insurance agent specializing in life, property/casualty, health, and group health insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, wrap and money-manager programs, and educational seminars.

Robert Watson is a financial advisor at LPL Financial in Newark, Delaware, with 34 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at M & T Securities and Wilmington Brokerage Services Company. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a broad range of advisory strategies and operational tools.

Max Coughenour is a financial advisor with Cetera, holding a Series 66 designation and beginning his career in 2026. His professional background includes roles at Diamond State Financial Group and Cetera Wealth Services, along with earlier experience in hospitality and education sectors. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, providing access to both affiliated and unaffiliated investment managers.

James Baker Jr. is a financial professional with Cetera who holds a Series 66 credential and has 10 years of industry experience. He has worked at Cetera and its affiliates since 2023 and has been associated with Diamond State Financial Group and Securian Financial Services Inc. since 2016. Outside of his advisory role, he is also active as an insurance agent and broker. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party managers.

Joshua Shaver is a financial professional at Cetera with 19 years of industry experience. He holds a Series 66 designation and has worked at Diamond State Financial Group since 2007, as well as at Securian Financial Services and Minnesota Life Insurance from 2007 to 2023. Shaver serves as vice president of DSFG CARES, a charitable board focused on local giving initiatives. Cetera Investment Advisers LLC is an SEC-registered firm that provides a broad range of advisory services to individuals, retirement plans, corporate and charitable clients, and institutions. The firm operates a multi-manager platform offering portfolio management, financial planning, and access to various third-party managers across discretionary and non-discretionary programs.

Ron Snyder is Vice President and Wealth Planner at Fidelity Investments, a position he has held since 2022. He brings 26 years of experience in the financial services industry, working in various roles including Branch Leader and Field Training Director at Fidelity Investments, Regional Vice President at Mercer Advisors, and Retirement Advisor at Vanguard. His expertise includes wealth planning and investment strategy development. Throughout his career, Ron has focused on creating personalized financial plans tailored to individual family needs and goals. He collaborates closely with clients to implement and monitor these plans over time, ensuring they adapt to changing circumstances. His professional journey reflects a commitment to leveraging extensive industry experience and resources to support clients' financial objectives. Outside of his professional life, Ron enjoys boating, family activities, golf, hiking, music, and running.

Emma Lytle is a CFP® with three years of industry experience, currently with Mass Mutual Investors Services. She has previously worked at MassMutual Life Insurance Co and Jennerspond, and has experience in educational roles at Messiah University and Avon Grove High School. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, utilizing firm-approved tools and collaborative planning processes.

Grant Gaugler is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and three years of industry experience. He has worked at Cetera and related entities since 2024 and previously at Citadel Federal Credit Union and CUSO Financial Services. Cetera Investment Advisers LLC is a nationwide registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Christopher Hewlett is a financial advisor with Primerica Advisors in Newark, DE, holding Series 63 and Series 65 licenses and possessing 14 years of industry experience. He has been affiliated with Primerica Financial Services since 2010 and PFS Investments Inc. since 2011. Outside of his advisory role, he is president of Hewlett & Company, Inc., which provides tax preparation, bookkeeping, and payroll services, and he is a minority partner in Iterum Physical Therapy, LLC. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited number of separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap-fee structure for its services.

Eric Etshman is a financial advisor at J.P. Morgan Securities with 33 years of industry experience. He holds Series 63, 65, and 66 licenses. His prior work experience includes positions at Equity Services, Inc., VSR Financial Services, Inc., and Wells Fargo Advisors. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative screening and qualitative research to develop model asset allocations and incorporates ESG eligibility in its recommendations.

Dan Glazier is a Financial Consultant at Fidelity Investments, a position he has held since 2020. He works closely with clients to understand their motivations and vision for the future, guiding them through the planning process using Fidelity's resources to develop personalized financial plans. Prior to his current role, Dan served as an Investment Consultant at Fidelity Investments from 2019 to 2020. He has extensive experience in the financial services industry, having worked at Capital One from 2007 to 2019 in various roles including Financial Advisor, Customer Service Manager, and Customer Service Associate.

Marcus Kindervater is a financial advisor with LPL Enterprise holding a Series 66 designation and three years of industry experience. His prior work includes roles at The Prudential Insurance Company of America and Pruco Securities LLC. Outside of his advisory work, he is also an independent Medicare insurance contractor. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach, offering financial planning, third-party asset management access, and insurance products through affiliated entities.

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.