Lee Margerison is a financial advisor with LPL Financial in Newark, Delaware, holding Series 63 and Series 66 designations and possessing 28 years of industry experience. He has been with LPL Financial since 2006. His other business activities have included operating a DBA called Cornerstone Financial Services and, prior to joining Edward Jones, writing long-term care insurance policies through Genworth Financial. 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. The firm offers a range of investment programs and uses both proprietary research and third-party strategies, serving a large network of advisors and managing significant discretionary assets.

Jeffrey Marsico is a financial advisor at Cetera with 18 years of industry experience and holds a Series 66 designation. He has worked with Wexco Financial Group since 2008 and has been affiliated with Cetera since 2023. Outside of his advisory work, he is a senior partner and equity owner of Diamond State Financial Group and has ownership interests in several family business and real estate ventures. Cetera Investment Advisers LLC is an SEC-registered firm that provides services to individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Zachary Mawson is a financial advisor with Merrill, holding a Series 66 designation and five years of industry experience. He has worked at Merrill since 2016, with a brief tenure at Morgan Stanley in 2021. Outside of his advisory role, he is the sole owner of a rental property in Claymont, Delaware. 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 for individuals, high-net-worth clients, pensions, corporations, and charitable organizations.

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.

Sandra Strudwick is a financial advisor at Edward Jones with 14 years of experience, holding a Series 66 designation. She has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, managing approximately $1.01 trillion in assets through a large nationwide network of financial advisors and branch offices.

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.

Herbert Rosenberg is a financial advisor at LPL Financial with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Guardian Life Insurance Company, Park Avenue Securities, and Northwestern Mutual. Rosenberg also sells non-variable insurance products, including term life, whole life, long-term care, disability, and fixed annuities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and investment management options, utilizing a network of over 22,800 advisors and overseeing more than $819 billion in discretionary assets.

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.

Kevin Kolmer Jr. is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining Merrill in 2004 and becoming part of his current team in 2007, he has developed a practice serving clients at various stages of wealth accumulation and retirement planning. His client base includes individuals beginning their careers who require disciplined, risk-managed strategies, as well as those approaching retirement or contemplating business sales and unique visions for their future. Kevin holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification from the Certified Financial Planner Board of Standards, among other professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a Bachelor's Degree in Business Management from Gettysburg College. Throughout his advisory process, Kevin emphasizes understanding clients' motivations and concerns, addressing risks related to retirement cash flow, liability management, and tax consequences, and incorporating planning-based strategies to mitigate risks beyond portfolios. In addition to his professional work, Kevin is engaged in community activities including coaching for the Berwyn Paoli Area Little League and serving on the finance committee at The Benchmark School. He resides in Berwyn, Pennsylvania with his wife, son, daughter, and dog. His personal interests include golf, paddle tennis, running, following Philadelphia sports teams, and spending family time in Ocean City, New Jersey.

Anatol Maxwell is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 24 years of industry experience. He worked at Ameriprise Financial Services, Inc. for 18 years before joining LPL Financial in 2020. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset managers, and supports its network of over 22,800 advisors with research and operational tools.

Eric Etshman is a financial advisor at J.P. Morgan Securities with 32 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has been with JPMorgan Securities LLC and JPMorgan Chase Bank NA since 2014. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Richard Miller is a financial advisor at Cetera with 26 years of industry experience. He holds the PFS™ designation as well as Series 63 and Series 65 licenses. His prior roles include positions at HD Vest Insurance Services and Metropolitan Life Insurance. Outside of advising, Miller provides tax preparation and consulting services through Van Buren Financial Group LLC and operates as an independent health insurance agent. 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, supporting both discretionary and non-discretionary program structures.