David Metz is a financial advisor with OSAIC, holding Series 63 and Series 66 credentials and over 30 years of industry experience. His prior roles include positions at Securities America, Inc., Securities America Advisors, LPL Financial, and National Planning Corporation. Outside of his advisory work, he is the owner of Native Cultures, a non-investment-related business. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers, offering brokerage, advisory services, financial planning, and access to third-party money managers. The firm uses various asset-allocation tools and supports both discretionary and non-discretionary portfolio management, providing integrated solutions for individual and institutional investors.

David L'erario is a financial advisor at Osaic Wealth, Inc. with 47 years of industry experience. He holds Series 63 and Series 65 designations and previously worked for Woodbury Financial Services, Inc. for 14 years before joining Osaic in 2024. Osaic Wealth, Inc. serves a broad client base, including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of integrated brokerage and advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and third-party money managers to construct diversified portfolios across various investment types.

Amy Weinberger is a financial advisor with OSAIC based in Cape May, NJ, holding a Series 66 credential and 19 years of industry experience. Her prior roles include positions at Woodbury Financial Services, Inc. and Questar Capital Corporation. She is president of Green Earth Financial Professionals, LLC, through which she conducts securities business and offers various insurance products. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and nonprofit clients, providing brokerage and investment advisory services supported by a wide range of tools and third-party platforms to construct and manage portfolios across multiple asset classes.

Andrew Lavelle is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in the Greater Philadelphia area. He serves clients nationwide, including successful executives, business owners, and real estate investors, providing comprehensive wealth management services. His approach integrates portfolio management, lending strategies, tax mitigation, and estate planning into personalized plans designed to improve financial outcomes and reduce complexity. Andrew and his team specialize in areas such as college education planning, family wealth management strategies, liquidity management, philanthropic planning, small business strategies, individual and corporate investment strategies, and tax minimization. As a Certified Exit Planning Advisor (CEPA®) professional and a Personal Investment Advisor (PIA), he supports business owners in preparing and executing transitions through sales, recapitalizations, or succession plans. His team includes professionals with CFA® and CFP® designations and senior advisors with over 40 years of experience. He holds a Bachelor's Degree and a Master of Business Administration (MBA), both from the University of Scranton. Andrew is involved in community support through the Military Support & Assistance Group (MSAG) at Bank of America. His team has been recognized as a Top Wealth Management Team in Pennsylvania by Forbes in 2023, 2024, and 2025.

Paul Miolene is a financial advisor at Morgan Stanley with Series 63 and Series 66 credentials and 35 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Peter Shelp is a CFP® and ChFC® with 38 years of industry experience. He is currently with Ameriprise Financial Services LLC and previously worked at Janney Montgomery Scott for 28 years. He is co-owner of Premier Planning Wealth Advisors and serves as treasurer on the board of Lewes Crossings HOA. Ameriprise provides retirement-income planning services focused on clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, written recommendations through a centralized consulting team.

Andrew Bilotta Jr. is a financial advisor with Raymond James & Associates, holding the CFP® designation and securities licenses Series 63 and Series 65. He has 42 years of industry experience and has been with Raymond James & Associates since 2007. Outside of his advisory role, he serves on the advisory board of How Properties Management, providing counsel to senior executives. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a range of portfolio management styles and affiliated research resources.

Mary Thompson is a Senior Financial Advisor with Merrill Lynch Wealth Management, where she has been providing services since 2006. She assists clients in aligning their financial strategies with their personal goals and priorities, including home purchases, education planning, divorce transitions, retirement security, and legacy planning. Mary incorporates clients' liquidity needs, risk tolerance, and time horizons into her approach and, for some clients, integrates sustainable or impact investments to support positive change and potentially enhance risk-adjusted returns. Mary collaborates closely with business owners and plan sponsors in establishing, implementing, and reviewing employee benefit plans. She holds the Retirement Benefits Consultant (RBC) designation, contributing to one of the highest levels of expertise within the firm for retirement plans. Her professional credentials include the Chartered Retirement Planning Counselor™, Certified Plan Fiduciary Advisor®, and Chartered SRI Counselor™ designations. A graduate of The Pennsylvania State University, Mary resides in Wayne, Pennsylvania with her husband and three children. She is actively involved in her children's schools and participates in her community as a member of Saint Katharine of Siena Church and School.

Michael Kosup is a financial advisor with Raymond James & Associates, holding the Series 63 and Series 66 licenses and bringing 18 years of industry experience. He previously worked at Wells Fargo Advisors and Wells Fargo Clearing. Outside of his advisory role, he co-owns and manages a rental property in Rehoboth Beach, Delaware. 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 individuals, institutions, pension plans, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a broad range of portfolio management styles and affiliated research.

Kathleen Ryan is a CFP®-certified financial advisor with 29 years of industry experience. She is currently affiliated with OSAIC and Lindenberg Financial and has previously worked at Woodbury Financial Services, Questar Capital Corporation, and KMR Financial Network. Ryan serves as treasurer of a condominium association, overseeing financial reviews and board activities. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of advisers. The firm offers integrated brokerage and advisory services, utilizing advanced portfolio construction tools and third-party platforms to provide tailored investment solutions.

Paul Mc Kirgan is a Senior Financial Advisor at Merrill Lynch Wealth Management with over twenty-eight years of experience in the securities industry, including twenty-six years with Merrill Lynch. He focuses on educating clients and tailoring portfolios to meet individual financial goals. Paul works collaboratively with his team, the BME Group, to provide personalized investment strategies and maintain open communication with clients. His areas of expertise include education planning, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. Paul holds the Personal Investment Advisor (PIA) designation. Paul attended Sacred Heart High School and earned an Associate's Degree from Westchester Community College. He resides in Carmel, New York, with his wife and two daughters. Outside of work, he enjoys baseball, fishing, music, tennis, and spending time with his family. He is also active in supporting various community charities and events.

Kristen Jones is a financial advisor at OSAIC with four years of industry experience. She holds a Series 66 designation and has previously worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. before joining OSAIC Wealth Inc. in 2025. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and third-party platforms to manage portfolios with a variety of investments on both discretionary and non-discretionary bases.

Michael Johnson is a financial advisor at OSAIC with 39 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Lindenberg Financial Services, Woodbury Financial Services, and Questar Asset Management. Outside of advisory roles, he is president and owner of Peninsula Financial Group, a tax preparation and planning business. OSAIC serves a diverse client base including individual and institutional investors, offering integrated brokerage and advisory services with a range of investment options and third-party manager access. The firm employs asset-allocation tools and supports both discretionary and non-discretionary account management.

Christopher Kearon is a financial advisor with Morgan Stanley in Avalon, NJ, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and associated with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and investment models. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning agreements.

Mark Gillespie is a financial advisor with Wells Fargo Clearing, holding the CFP® designation and Series 63 and 65 licenses, with 30 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment vehicles, including insurance-related products and bank deposit sweep options.

David Draper is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He previously worked at Waddell & Reed, Inc. for nine years and served in a leadership role at the Lewes Crossing Property Owners Association. In addition to his advisory work, Draper is involved in non-variable insurance activities. 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 offers a broad range of advisory programs, financial planning, and retirement plan consulting, employing both discretionary and non-discretionary management with access to model portfolios, third-party research, and various investment strategies.

Megan Hocker is a financial advisor at Merrill with 10 years of industry experience and holds a Series 66 designation. She has worked at Merrill since 2015 and has been with Bank of America, N.A. since 2021. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.