Jacob Halem is a financial advisor at Cetera with one year of industry experience. He holds the Series 66 designation and previously worked at Washington College and Koons Automotive Company. Halem is also involved as a financial advisor with Diamond State Financial Group, providing advisory services to assist clients with their financial objectives. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of over 10,000 advisors and manages more than $256 billion in assets.

Bryan Radcliff is a financial professional with 14 years of industry experience, currently with Cetera since 2023. He holds a Series 66 designation and has previously worked at Minnesota Life and Securian Financial Services. Radcliff serves as secretary on the board of DSFG Cares, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered firm that operates as a multi-manager platform serving individual and institutional clients nationwide. The firm offers a range of portfolio management and consulting services through a network of over 10,000 advisors.

Adam Rubin is a financial professional at Cetera with two years of industry experience. He holds a Series 66 designation and has worked at Cetera and Cetera Wealth Services since 2024. In addition to his advisory role, he owns Rubin Appraisals, a residential real estate appraisal business serving banks and lenders. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, operating a multi-manager platform that provides access to affiliated and third-party managers across various program structures.

Dawn Allen Pyne is a financial advisor with Primerica Advisors in Newark, DE, holding Series 63 and Series 65 credentials and 12 years of industry experience. Her career includes roles at Delaware Micro-Computer and ongoing service with the State of Delaware, alongside her tenure at Primerica Advisors since 2013. Outside of advisory work, she is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts in a wrap-fee structure. The firm curates third-party asset managers and delegates model implementation to BNY Mellon Advisors.

Teresa Devries is a financial advisor with Mass Mutual Investors Services based in New Castle, DE, holding Series 63 and Series 65 licenses and with 23 years of industry experience. She has been with MML Investors Services Inc. and MassMutual Life Insurance Company since 2003. MML Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser under MassMutual, offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides structured, annual financial planning engagements and various event-driven planning programs, including a recent Divorce Planning offering.

Jennifer Sonson is a CFP® professional with 15 years of industry experience, currently affiliated with Raymond James Financial in Wilmington, DE. Her work history includes roles at Conrad and Sanford School prior to and alongside her tenure at Raymond James Financial Services Advisors Inc. She serves on the Finance Committee of the Fund for Women nonprofit organization. Raymond James Financial Services Advisors Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual and high-net-worth clients, corporations, and institutional entities. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports a range of advisory programs and institutional consulting services.

Bradford Bugher is a Wealth Management Advisor with Merrill Lynch Wealth Management, joining the firm in 1993 after ten years in real estate sales and property management. He co-founded his current advisory group, leading the team’s investment strategies and focusing on clients’ insurance, annuity, and liability management needs. Brad works closely with clients to develop personalized financial plans, emphasizing the importance of understanding clients’ goals, concerns, risk tolerance, and family perspectives to build effective wealth management strategies. Brad holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification awarded by the Certified Financial Planner Board of Standards and a Personal Investment Advisor (PIA) designation. He earned a Bachelor of Science degree in Business Administration with a concentration in Marketing and a minor in Economics from the University of Delaware, where he also participated in the school’s marching band. Born and raised in Newark, Delaware, Brad and his wife, Joanne, are parents of three adult children. Outside of his professional responsibilities, he has been actively involved in the YMCA of Delaware's fundraising efforts for the past decade and has served on the board of the Delaware Military Academy. Brad’s personal interests include biking, boating, fishing, hiking, racquetball, scuba diving, skiing, swimming, traveling, and spending time with his family.

Eric Cardonick is a financial advisor at Merrill with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Merrill since 2013. Outside of his advisory role, he works as a part-time independent contractor for DoorDash and participates in user research studies for User Interviews. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, and various institutional investors.

Timothy Hernandez is a financial advisor at Edward Jones with six years of industry experience. He holds a Series 66 designation and has worked previously at Raymond James & Associates, Wells Fargo, J.P. Morgan Securities, and Citizens Bank. His background also includes a role at Esperanza Academy Charter School. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices nationwide.

Lisa Lamarche is a CFP® professional with 27 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. She previously worked at Milestone Wealth Advisors, Inc. for 11 years and LPL Financial for 19 years. In addition to her advisory role, she is involved in independent insurance brokering with several providers including Genworth, Legal and General, Nationwide, AIG, and Principal. Ameriprise offers retirement-income planning services targeting individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Fletcher King is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves individual and institutional clients, offering a wide range of advisory programs including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides advisory services through both direct client engagements and corporate financial planning agreements.

Tobin Hunsinger is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and having 21 years of industry experience. He has been with Raymond James & Associates since 2016, with a two-year gap in his employment history. Raymond James & Associates, Inc. is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutional investors, and municipal entities, offering financial planning and investment consulting through various advisory programs.

Kevin Walls is a financial advisor at Stifel with 16 years of industry experience. He has held his position at Stifel Nicolaus & Co Inc since 2015. Walls holds Series 63 and Series 66 designations and is based in Greenville, DE. Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and state and municipal entities, providing brokerage and investment advisory services. The firm’s investment approach is supported by a proprietary methodology developed by its Investment Strategy Group, using forward-looking capital market assumptions and probabilistic modeling to inform asset allocation and planning analyses.

Karen Conicelli is a financial advisor at Morgan Stanley with 11 years of experience at the firm and holds a Series 66 designation. She is based in Greenville, DE. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning, utilizing structured discovery processes and firm-approved tools to support client planning needs.

Nicholas Leski is a financial advisor at OSAIC with four years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Lincoln Financial Advisors and PSG Financial, among other firms. Leski is also a licensed insurance agent offering fixed life insurance, fixed annuities, and traditional life insurance. OSAIC serves a diverse client base, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations, providing integrated brokerage and advisory services through a large network of affiliated advisers. The firm employs a variety of asset-allocation tools and third-party platforms to manage portfolios across multiple asset classes on both discretionary and non-discretionary bases.

Paul Mac Donald is a financial advisor with Mass Mutual Investors Services based in New Castle, Delaware. He holds Series 63 and Series 65 licenses and has seven years of industry experience, including previous roles at Olive Garden. He is also involved in an individual life insurance sales business. Mass Mutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser and offers financial planning, asset management, and educational services to individuals, business owners, trusts, estates, charitable organizations, and employers.

Nicholas Vali is a CFP® and ChFC® with 13 years of experience in financial advisory. He is currently with Cetera and has previously worked at Minnesota Life and Securian Financial Services. Outside of advisory, he is a partner in a golf course business and holds an equity interest in other local ventures. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with access to discretionary and non-discretionary portfolio management, financial planning, and a range of investment program options.

Dawn Green is a financial advisor at OSAIC with 16 years of industry experience and holds the Series 63 and Series 65 credentials. Her prior experience includes roles at Mass Mutual, Prudential Insurance Company of America, and Signator Investors. She is also an adjunct professor at Wilmington University and owns Wisdom Wealth and Winning, a financial planning business. OSAIC serves a diverse client base including individual and institutional investors, offering a range of brokerage and advisory services supported by firm-provided asset-allocation tools and third-party managed account solutions.

Tyler Kreger is a financial advisor with LPL Financial, holding a Series 66 designation and four years of industry experience. His career includes roles at First Citizens Community Bank and Bankers Life and Casualty. 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 a large network of investment adviser representatives.

Natalie Plaza is a Wealth Management Advisor at Merrill Lynch Wealth Management. She specializes in serving individuals, corporate executives, and their families, with a particular focus on clients in the entertainment industry. As a CERTIFIED FINANCIAL PLANNER (CFP) and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA), Natalie and her team offer a full range of wealth management services, leveraging the resources of Merrill Lynch, Bank of America Private Bank, and Bank of America. Natalie began her career in architectural design after earning a Bachelor's degree in Environmental Design from the University of Colorado at Boulder. She transitioned into financial advising in 2018, developing expertise in education planning, family wealth management strategies, LGBT wealth planning, managing new wealth, personal retirement planning, portfolio management services, socially responsible investing, women and wealth, sports and entertainment finance, and tax minimization. Her approach focuses on identifying clients' needs and objectives to thoughtfully plan for their financial goals. Natalie is involved in professional and community organizations including the Greater Los Angeles LGBTQ Leadership Team at Bank of America, LPGA Women Who Play, Santa Monica Sports Club, and Women In Film. In her personal time, she enjoys basketball, golfing, skiing, spending time with her family, and watching movies. She resides in Los Angeles, California.