Luke Chapman is a financial advisor with Mass Mutual Investors Services in Hockessin, DE, holding CFP® and Series 63 credentials and with 17 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Company since 2011. Outside of his advisory role, he is a partner at Now What Financial Education, LLC, where he co-authors books and performs paid speaking engagements related to financial education. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers, offering financial planning, asset management, and educational seminars.

Kenneth Klein is a financial advisor with LPL Financial in Newark, Delaware, holding Series 63 and Series 65 credentials and 11 years of industry experience. Prior to joining LPL Financial in 2022, he worked at Hornor Townsend & Kent Inc. and Penn Mutual Life Insurance Co. He also owns Extra Mile Tax Prep Service, a tax preparation business he has operated since 1999. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, along with model portfolios supported by LPL Research and third-party subadvisors.

Jie Huang is a Financial Consultant currently working at Fidelity Investments since 2020. Jie has extensive experience in the financial sector, having previously served as a Financial Consultant at LPL Financial from 2017 to 2020, Vice President of Marketing Analysis at Barclays US from 2013 to 2016, Associate at BlackRock Financial from 2005 to 2013, and Financial Analyst in Investment Banking at Bank of China International from 2000 to 2003. Jie communicates fluently in Cantonese, Mandarin, and the Shanghai dialect. Jie emphasizes a personalized approach to financial guidance, recognizing the uniqueness of each client's economic and life situation. Dedicated to understanding personal goals, Jie collaborates with clients to develop financial security plans tailored to their specific needs. Outside of work, Jie enjoys badminton, family activities, movies, outdoor adventures, and traveling.

Laura Fontana is a financial advisor with Ameriprise, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. She has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2005. Outside of her advisory role, she serves on the boards of the New Castle Community Partnership and the New Castle Historical Society, and participates on the Finance Committee for the City of New Castle. 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 deliver personalized Recommendation Reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Richard Laird Jr. is a financial advisor with Morgan Stanley in Greenville, DE, holding a Series 63 credential and bringing 33 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he is involved in landscape and wildlife photography as a sole proprietor and serves as Vice President of the Wilmington Club, where he chairs the House Committee. Morgan Stanley Wealth Management provides a wide range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process supported by firm-approved tools and offers various investment and financial products through its broad network.

Christopher Malmstrom is a financial advisor with Ameriprise in Newark, DE, holding Series 63, 65, and 66 licenses and with 18 years of industry experience. He previously worked at Alpine Brokerage Services, LLC for six years before joining Ameriprise in 2019. Outside of his advisory role, Malmstrom serves on multiple nonprofit boards, including as Treasurer of the Association of Fundraising Professionals Brandywine Chapter and as a board member for the Epilepsy Foundation of Delaware. Ameriprise Financial Services is a large, diversified advisory firm that serves individual and institutional clients, featuring a specialized Premier Retirement Income service which provides retirement-income planning advice through a written Recommendation Report and ongoing guidance focused on income sources and tax-aware withdrawal strategies.

Robert Young is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 licenses and three years of industry experience. His prior roles include positions at The Vanguard Group, Randstad, Infosys, and Guardian Life Insurance Company of America. Outside of finance, he co-owns and operates a judo studio where he teaches and coaches. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Robert Wadleigh is a financial advisor at Wells Fargo Advisors with 18 years of industry experience. He holds the Series 66 designation and has worked within various Wells Fargo entities since 2009. Based in Wilmington, DE, his background includes extensive experience at Wells Fargo Clearing and Wells Fargo Advisors LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a wide range of planning services and integrates advisory offerings with other financial products and referral channels.

Andrew Ferrell is a financial advisor with Mass Mutual Investors Services in Newark, Delaware, holding a Series 66 designation and eight years of industry experience. He previously worked at Ameriprise Financial Services from 2016 to 2019 before joining MassMutual and its subsidiary MML Investors Services in 2019. MML Investors Services, LLC operates as 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, emphasizing annual collaborative relationships and event-driven planning programs.

Melissa Ray is a Financial Consultant at Fidelity Investments, where she collaborates with clients to develop personalized financial plans aimed at helping them achieve their goals with clarity and confidence. She focuses on translating complex financial decisions into actionable strategies that align with clients' priorities. Melissa has been with Fidelity Investments since 2019, progressing through roles including Client Experience Associate, Financial Representative, Relationship Manager, and Planning Consultant before her current position. This experience has provided her with a comprehensive understanding of financial services and client relationship management. Outside of her professional work, Melissa has interests in cooking and baking, music, outdoor adventures, parenthood, reading, and running.

David Walker is a financial advisor with LPL Financial in Wilmington, DE, holding Series 63 and Series 65 licenses and having two years of industry experience. Prior to joining LPL Financial, he worked at Compass Ion Advisors and spent over a decade at Willowdale Chapel. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, financial institutions, corporations, and nonprofits. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

Eric Gustafson is a financial advisor with Morgan Stanley in Greenville, Delaware, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been associated with Morgan Stanley Smith Barney since 2009 and currently works at Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning emphasizes structured discovery and utilizes approved planning tools, offering a range of retail and institutional products and services.

Marco Nava is a financial advisor with Wells Fargo Clearing, holding Series 65 and Series 63 licenses and six years of industry experience. His work history includes positions at Wells Fargo Bank, MUFG Union Bank, PNC, and Citizens Business Bank. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute and third-party databases.

Tabatha Schury is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at Charles Schwab since 2015. She previously worked at Charles Schwab Bank from 2015 to 2021. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts, offering a combination of non-discretionary and discretionary investment guidance supported by multi-asset model portfolios and alternative investment options.

Kelly Mc Carthy is a financial advisor at LPL Financial with Series 66 credentials and one year of industry experience. Prior to joining LPL Financial, Mc Carthy held roles at BestVest Investments, Ltd. and Reliance Standard. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of financial planning and advisory programs, offering both discretionary and non-discretionary management supported by research and model portfolios.

Mark Verbanas is a financial advisor with Ameriprise in Oxford, PA, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Verbanas serves on the Finance Committee of the Oxford Presbyterian Church. 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 deliver non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Charles Allen is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds the Series 63, Series 65, and Series 66 credentials and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Allen serves on the executive boards of both the Southern New Jersey Council and the Garden State Council of the Boy Scouts of America. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools, serving clients through a combination of advisory and brokerage services.

Marcia Upton is a Planning Consultant who collaborates with clients to develop personalized financial plans that align with their individual goals and needs. She emphasizes the importance of financial success as encompassing peace of mind, not just numerical achievements. Prior to her current role, Marcia worked as an Investment Consultant at Fidelity Investments from 2023 to 2025. She also served as a Financial Advisor at Thrivent from 2019 to 2023. Outside of her professional work, Marcia enjoys reading, playing tennis, and volunteering.

Christopher John Hickey is a Senior Financial Advisor at Merrill Lynch Wealth Management with a career in the financial services industry beginning in 1995. He has held various leadership positions within the Wealth Management Division, including Investment Center Manager, Assistant Market Director, and Market Director across the New Jersey, Pennsylvania, and Delaware markets. Mr. Hickey employs a disciplined wealth management process, integrating clients' financial and personal circumstances to develop tailored investment strategies and recommendations. Utilizing Merrill Lynch's investment insights alongside Bank of America's banking services, he aims to provide comprehensive and integrated financial solutions. He regularly conducts financial reviews with clients to monitor progress and adjust strategies as needed in response to changes in clients' lives or financial markets. He holds the Chartered Retirement Planning Counselor™ designation awarded by the College for Financial Planning Institutes Corp., along with Series 7, 9, 10, 24, 63, and 65 registrations from FINRA. Additionally, he is licensed in Life, Health, and Long-Term Care insurance. Mr. Hickey earned a Bachelor of Science in Business Administration from Villanova University and a High School Diploma from Chaminade High School. Mr. Hickey resides in Wilmington, Delaware with his wife Amy and their four children. In his personal time, he often engages in golfing.

David Sauers is a CFP® professional at Osaic with 31 years of industry experience. He previously worked for nine years at Lincoln Financial Advisors before joining Osaic in 2025. He is also involved in offering various insurance products, including disability insurance, fixed annuities, equity-indexed annuities, and traditional life insurance. Osaic Wealth, Inc. serves a diverse client base ranging from individuals to institutions, providing brokerage and investment advisory services through a large network of affiliated advisors. The firm utilizes advanced portfolio construction tools and offers access to multiple third-party money managers and managed-account solutions.