Francis Naselli is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 32 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously at Metlife Securities Inc. from 2015 to 2017. Naselli has ownership in Creative Premier Agency LLC, a business focused on individual life and long-term care insurance. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers collaborative, annual financial planning engagements using firm-approved analytical tools and also delivers specialized event-driven planning programs.

Ellen Donahue is a financial advisor with Mass Mutual Investors Services and holds the ChFC® and Series 66 designations. She has 18 years of industry experience, including prior roles at MetLife Securities Inc. and MassMutual Life Insurance Co. Donahue is the owner of EMD Consulting, LLC, an entity used for business expense management. Mass Mutual Investors Services, LLC operates as a subsidiary of MassMutual, providing financial planning and investment services to individuals, business owners, trusts, and charitable organizations. The firm offers a range of solutions including asset management, wrap programs, and educational seminars.

Joseph Kicinski Jr. is a ChFC® and Series 66-licensed financial advisor with Edward Jones, based in West Chester, PA, and has six years of industry experience. He has been with Edward Jones since 2019 and previously worked at Infiniti of West Chester from 2011 to 2019. Outside of his advisory role, he serves as Vice President of the Malvern, PA chapter of Business Networking International (BNI). Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.

Christopher Piercy is a financial advisor with Charles Schwab & Co., Inc. He holds Series 63 and Series 65 designations and has 20 years of industry experience. Prior to joining Charles Schwab in 2021, he worked at TD Ameritrade Inc., Citizens Securities, Inc., and Citizens Bank. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and centralized operational structures.

Lauren Cooper is a financial advisor with Ameriprise in Newark, Delaware, holding a Series 66 credential and 20 years of industry experience. She has been with Ameriprise and its related entities since 2006. Cooper also has involvement with P Two P LLC, through which she conducts Ameriprise-related activities. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service focused on retirement-income planning, utilizing investment research and algorithmic tools to provide clients with written recommendations and ongoing advice.

Joseph Iudica is a financial advisor at Cetera with 11 years of industry experience. He holds a Series 66 designation and has previously worked at LPL Financial and M&T Securities. Outside of his advisory role, he coaches youth in a Catholic ministry organization in Wilmington, DE. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and financial planning services across multiple program structures.

Lisa Mahabir is a financial advisor with Ameriprise based in West Chester, PA, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. Her prior work includes roles at Santander Securities LLC, Sovereign Bank, and Citizens Bank. Outside of financial advising, she is involved in construction as an office manager for RM Masonry Construction and has worked as a sales assistant at S&T Bank. Ameriprise provides a range of advisory, brokerage, and insurance solutions, with a notable retirement-income planning service designed for clients approaching or in retirement who meet specific asset criteria. The firm employs a centralized consulting team to deliver non-discretionary, research-driven retirement recommendations that integrate tax-efficient strategies and asset management tailored to client needs.

Joseph Montooth is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has one year of industry experience and has previously worked at MassMutual Life Insurance Company and Creative Financial Group. Outside of finance, he has served with the Dewey Beach Patrol. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, goal-oriented planning using firm-approved analytical tools and provides various educational and event-driven planning programs.

Nicholas Mc Glynn is a financial advisor with J.P. Morgan Securities in Wilmington, DE, holding Series 63 and Series 66 credentials and bringing 24 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and has a concurrent affiliation with Wm Financial Services, Inc. since 2004. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process integrates centralized due diligence and combines quantitative and qualitative research to build model asset allocations, with an emphasis on eligible strategies and an ESG eligibility framework.

Robert Stofa III is a financial advisor with Morgan Stanley in Greenville, DE, holding a Series 66 designation and one year of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Continental Finance Company, Corporation Service Company, Wilmington University, and Saint Marks High School. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and scenarios in its process.

Michael O Boyle is a financial advisor at Merrill with nine years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 2020, following five years at Capital One Investing, LLC. Merrill, along 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 investment strategies for a range of clients including individuals, high-net-worth investors, and institutions.

Ryan Galloway is a financial advisor at Mass Mutual Investors Services with 15 years of industry experience. He holds the ChFC® and Series 66 designations. His prior experience includes roles at MetLife Securities Inc. and MassMutual Life Insurance Co. Galloway is also an individual life and group health insurance agent. 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 financial planning, asset management, and educational seminars, structuring planning engagements as annual, collaborative relationships using firm-approved analytical tools.

Matthew Delphais is a financial advisor with MassMutual Investors Services holding a Series 66 credential and four years of industry experience. His work history includes roles at MassMutual Life Insurance Company and Downingtown Country Club, where he currently works in the pro shop handling member services and retail sales. 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 offers financial planning, asset management, and educational seminars, providing collaborative, goal-based advice without discretionary investment authority.

Thomas Weisenfels serves as a Wealth Management Advisor with Merrill Lynch Wealth Management, where he is part of the TWJ Wealth Management Team. With a 33-year career, his professional focus includes detailed financial planning, retirement issues, wealth and portfolio management, and providing total financial advice for high net worth, executive, and retired clients. He also contributes to Merrill Lynch's Retirement Education Services to assist corporate retirees in the Delaware area. A Delaware native, Thomas obtained his Bachelor of Science degree in Business and Engineering from the US Military Academy at West Point. He completed Army Airborne, Air Assault, and Ranger schools and served as an Army officer veteran during the Desert Storm war. His professional designations include CERTIFIED FINANCIAL PLANNER® (CFP), Chartered Retirement Planning Counselor™ (CRPC), and Personal Investment Advisor (PIA). He is affiliated with Merrill Lynch Wealth Management, the TWJ Wealth Management Team, and operates under the name Thomas Weisenfels, Wealth Management Advisor. Outside his professional life, Thomas is involved with Reach Church in Bear, Delaware, and has community ties with St. Mark's High School. He lives in Greenville with his wife, Melissa, their two children, Lilly and Andrew, and their Boxer dog, Maple. His personal interests include adventure sports, boating, camping, fishing, hiking, skiing, table tennis, woodworking, fitness, home repairs, shooting, and spending time with his family on the Chesapeake Bay.

John Mccullough is a financial advisor with Mass Mutual Investors Services, holding CFP® and ChFC® designations and over 30 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and was previously with MetLife Securities Inc. from 2015 to 2017. Mass Mutual Investors Services is 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, utilizing firm-approved software and a collaborative annual planning process.

Vito Conigliaro is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds the Series 66 designation and has worked at firms including Cetera and Diamond State Financial Group. Prior to his advisory career, he was involved in the restaurant business, operating Pizza and Pasta for seven years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary advisory program focused on asset allocation advice, investment manager selection, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates forward-looking capital market assumptions to build model allocations.

Kevin Flatley is a Vice President and Financial Consultant at Fidelity Investments. In his current role, he collaborates with clients to develop financial plans that align with their goals, utilizing a holistic planning approach. Kevin has been with Fidelity Investments since 2018, gaining experience across multiple positions including Financial Representative, Relationship Manager, Investment Consultant, and Financial Consultant before his current role as Vice President. His approach focuses on examining clients' financial situations and personal preferences to empower them in making informed financial decisions. Kevin holds a California Insurance License, supporting his work in financial consulting and planning.

James Ferrari is a financial advisor at LPL Financial with nine years of industry experience. He holds the Series 66 designation and has worked at LPL Financial since 2017 and Franklin Mint Federal Credit Union since 2012. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers financial planning, model portfolio programs, third-party asset management, participant-level retirement advice, and institutional platforms.

Joseph Schoff is a financial advisor with Raymond James & Associates in Wilmington, DE, holding a Series 66 designation and 15 years of industry experience. He has been with Raymond James & Associates since 2011. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Brian Villec is a Certified Financial Planner® with 30 years of industry experience, currently serving as an advisor at LPL Financial. His prior roles include positions at The Leaders Group, Millennium Brokerage Group, and Nationwide. Villec is also involved with multiple insurance agencies in Wilmington, Delaware, referring clients to property and casualty services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management solutions, employing model portfolios, third-party subadvisors, and customized strategies to meet client needs.