Michael Gray is the sole advisor at Gray Investment Management LLC in West Chester, PA, holding a Series 65 designation with 17 years of industry experience. He has led Gray Investment Management since its founding in 2009. Gray Investment Management provides discretionary portfolio management and investment supervisory services to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and other institutional clients. The firm offers access to special-situation investments for qualified investors and employs a mix of fundamental and technical analysis, hedging, and tactical strategies under its discretionary authority.

Beth Moore is a CFP® and holds a Series 66 license with three years of industry experience. She is the principal advisor at Wealth Wise Planning, where she has worked since 2024. Her prior experience includes roles at Fraser Hudson, LLC, Fidelity Investments, and RBC Wealth Management. Wealth Wise Planning is a fee-only advisory firm serving individuals and high-net-worth clients with comprehensive financial planning services. The firm provides tailored, non-discretionary advice and utilizes both passive and active investment strategies, including socially responsible options upon request, without managing client assets or accepting custody.

Jake Landau is a CFP® professional with 11 years of industry experience, currently operating Woolstone Wealth Management. His career includes roles at Vanguard, Charles Schwab, and Schwab Wealth Advisory, as well as a position with Men in Blazers. Woolstone Consulting LLC, founded in 2026, is an independent, fee-only registered investment adviser providing discretionary investment management and financial planning services to individuals, high-net-worth clients, and businesses. The firm integrates modern portfolio theory through a blend of passive and active strategies and offers financial planning both alongside investment management and as a standalone service.

Joseph Kirlin III is the principal of Joseph P. Kirlin III & Associates and holds the ChFC® designation and Series 63 license. He has 50 years of industry experience and has been operating his firm since 2000. Kirlin also maintains ongoing roles with Prosperity Wealth Management, LLC and Fortune Financial Services, Inc., and is involved in insurance and estate planning through Kirlin Associates Insurance. Joseph P. Kirlin III & Associates provides fee-only financial planning, investment consultation, educational workshops, and investment supervisory services to individuals, trusts, estates, and businesses. The firm emphasizes a long-term investment approach with a combination of passive and active management, diversification across multiple asset types, and a significant focus on non-securities advice such as budgeting, insurance, and estate planning.

Edward Worrell is the principal of Worrell Financial LLC, an independent financial planning firm based in West Chester, PA. He holds Series 63 and Series 65 licenses and has three years of industry experience. Prior to founding Worrell Financial, he worked at GlaxoSmithKline for 17 years and operates a tax preparation firm, Edward Worrell Jr CPA, which he has managed since 1994. He also provides consulting services in pharmaceutical compliance through Worrell Capital Consulting. Worrell Financial LLC offers fee-only financial planning focused on individuals and high-net-worth clients, delivering comprehensive plans that cover retirement, estate, tax coordination, business planning, insurance, and investment analysis. The firm emphasizes investment analysis and guidance without discretionary portfolio management, generally recommending passive, index-based funds and ETFs, and does not hold client assets.

I founded DeLuca Financial Planning to offer a more thoughtful, planning-focused approach to financial advice—one centered on the individual, not just the portfolio. Before starting the firm, I worked at Vanguard, studying investor behavior and how financial decisions are made. Analyzing the decisions of millions of investors meant working with assumptions. I’ve seen firsthand how quickly those assumptions can break down when life gets involved. That experience reinforced an important reality: while broad assumptions can be made based on factors like age or wealth, real financial decisions are far more personal and nuanced. Our approach is planning-first. Investment decisions are made in the context of a broader financial plan, with an emphasis on clarity, coordination, and long-term alignment. We offer flexible options, from one-time plans to ongoing advice and investment management. We believe that planning isn’t about working toward a predefined outcome—it’s about understanding what matters to you and building a plan designed to move you toward it. Because in practice, the most effective plan isn’t the one that looks perfect on paper—it’s the one that reflects your priorities and that you can follow consistently over time.

Gregory Coverdale Jr. is a CFP® with 20 years of industry experience, currently serving as the sole advisor at Wall St LLC in Wilmington, DE. He has worked at Indiana Merchant Banking and Brokerage Co., Inc. since 2014 and Civitas Partners since 2011. In addition to his advisory role, he provides financial planning advice to military servicemembers as a Personal Financial Counselor and manages a separate real estate business. Wall St LLC provides investment advice and financial planning to businesses, institutions, pension funds, and individual clients. The firm employs a non-discretionary investment approach combining Modern Portfolio Theory with fundamental and technical analysis, and also offers educational programming and financial-literacy workshops.

Joseph Schubert is a financial advisor with Schubert Financial LLC and holds a Series 65 credential. He has no prior industry experience and founded Schubert Financial following his undergraduate studies. His work history includes roles outside the financial industry, such as at Tropical Stone LLC and Weis Markets. Schubert Financial LLC is a newly organized adviser serving individual clients and families with non-discretionary portfolio management and financial planning services, offering fixed-fee one-time plans, hourly advice, and balanced, diversified portfolios that emphasize passive, low-cost investments using ETFs and select equities.

Comrie Flinn Jr. is a financial advisor at EarlyBird Advisors LLC with a Series 65 designation and one year of industry experience. Prior to joining EarlyBird Advisors, he worked at Columbia University and Davidson College. EarlyBird Advisors LLC offers automated portfolio management for individual and high-net-worth clients through an online platform, utilizing algorithm-based portfolios tailored to client inputs. The firm combines modern portfolio theory with a long-term trading strategy and includes private placements and venture capital alongside traditional investments in its robo-advisory model.

Thomas Ambrose is a financial advisor at Ambrose Wealth Management in Chadds Ford, PA, with 46 years of industry experience. He holds Series 63 and Series 65 credentials and has managed his independent firm for over a decade. In addition to advisory services, he conducts business consulting and development and is an independent insurance agent for various companies. Ambrose Wealth Management provides wealth and retirement planning along with discretionary portfolio management for individual and high-net-worth clients. The firm employs a combination of fundamental, technical, cyclical, and quantitative analysis within a modern portfolio theory framework to create tailored investment strategies across conservative to aggressive objectives.

John Cleaver is a ChFC® and Series 63–licensed financial advisor with 37 years of industry experience. He has been the sole advisor at Creative Financial Concepts, Inc. in Wilmington, DE since 1986. Creative Financial Concepts provides financial planning, retirement-plan analysis, employee education, business consulting, and seminars to individuals, families, trusts, businesses, and pension and profit-sharing plans. The firm specializes in retirement plan consulting and employee education to assist sponsors with 404(c) compliance, recommending third-party portfolio managers without managing client assets directly.

Jeffrey Macdonald is a CFP® and ChFC® with 17 years of industry experience. He has been with Investment Management & Planning LLC since 2010 and is also affiliated with LPL Financial LLC. Investment Management & Planning LLC provides fee-based investment advisory and comprehensive financial planning primarily for individual and high-net-worth clients, offering portfolio management on both discretionary and non-discretionary bases. The firm emphasizes ongoing account supervision and individualized asset allocation, often utilizing LPL-sponsored platforms and model portfolios.

George Cones is a financial advisor with Third Sigma Investment Advisors LLC in Wilmington, DE, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has been with Third Sigma since 2009 and also operates an IT consulting and hardware/software sales business through Techlogic, Inc. Additionally, he maintains a legal practice as an attorney. Third Sigma Investment Advisors LLC provides discretionary portfolio management and investment consulting to individuals, trusts, estates, charitable organizations, and pension and profit-sharing plans. The firm employs a cost-effective investment approach combining active managers and low-cost mutual funds and ETFs, with a focus on customized asset allocation and tax-efficient transitions.

Karen Principe is a financial advisor at Megaannum Capital, LLC with two years of industry experience. She has held her current role since 2021 and previously worked at Vanguard Marketing Corporation for 27 years. Outside of her advisory work, she provides insurance services remotely through Mascherino Financial Group LLC on a part-time basis. Megaannum Capital, LLC offers discretionary portfolio management services primarily to individual investors and charitable organizations. The firm emphasizes identifying undervalued stocks through macroeconomic research, fundamental and technical analysis, and company interviews, while focusing on risk limitation and capital preservation.

Linda Bowen is a financial advisor at Bowen Asset Management LLC with 5 years of industry experience. She holds a Series 65 designation and has previously worked at Barnes and Noble. Bowen Asset Management LLC is a small wealth management firm serving approximately 30 clients, including high-net-worth individuals, trusts, pension plans, nonprofits, and business entities. The firm offers portfolio management, financial and retirement planning, and consulting services, using a discretionary approach that combines fundamental and technical analysis across a range of investment products.

Steven Woodruff Jr. is a CFP® with 14 years of industry experience, currently serving as an advisor at Venture Financial Advisors, LLC. His prior experience includes roles at Charles Schwab, Fidelity, Aspen Funds, and Patriot Family Capital LLC, where he was CIO. He is also CEO of Venture Wealth Management LLC and its associated fund, specializing in customizable fund of funds. Venture Financial Advisors provides financial planning and investment advisory services to individuals, entrepreneurs, small businesses, and family offices. The firm follows a Modern Portfolio Theory-based approach, emphasizing low-cost, passive strategies complemented by tactical allocations and private investment opportunities for suitable clients, and maintains operational structures uncommon for a firm of its size.

John Durham is a Senior Financial Advisor with Merrill Lynch Wealth Management. He collaborates one-on-one with clients to develop personalized financial strategies aimed at pursuing their long-term goals. His approach incorporates a comprehensive understanding of each client’s financial situation to create adaptable wealth management plans aligned with changing market conditions. Through his role, he provides access to investment insights from Merrill and banking services from Bank of America. John holds a Bachelor's Degree from Arizona State University, a Juris Doctorate Degree from Delaware School of Law, and a Master's Degree from Villanova School of Law. He also maintains the Personal Investment Advisor (PIA) designation. In addition to his professional responsibilities, John engages in community volunteer work, reflecting Merrill Lynch’s tradition of active participation in local communities.

Steven Richards is a financial advisor at Byerly Investment Management Inc. with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Donnelly Steen & Company since 2008. Byerly Investment Management Inc. is a small independent registered investment adviser serving individuals and high-net-worth clients with discretionary portfolio management. The firm manages approximately $6.0 million in assets and employs a variety of investment instruments and analytical methods to tailor portfolios according to client goals, risk tolerance, and time horizon.

Richard Weinstein is a CFP® with 25 years of industry experience and is a principal at Ridgewood Capital Management. He has worked at Ridgewood Capital Management since 2000 and also serves as president of SAS Advisors, Inc., where he conducts insurance planning and educational workshops. Ridgewood Capital Management provides discretionary investment management and portfolio services to individual and high-net-worth clients, including variable annuity sub-account and employer-sponsored retirement plan allocations. The firm employs a combination of fundamental, technical, charting, and cyclical analysis to construct portfolios and maintains a distinctive affiliated insurance agency as part of its service model.

Paul Savini Jr. is a CFP® professional with seven years of industry experience, currently serving as an advisor at Viable since 2022. His prior work includes roles at Barrister Wealth Management and Standard Chartered Bank. Viable provides financial planning, investment advisory, insurance consultancy, and retirement plan advisory services to individuals, families, businesses, trusts, and charitable organizations. The firm employs a goal-based investment process emphasizing behavioral finance and asset allocation, primarily implementing portfolios through Exchange Traded Funds.