Michelle Czernik is a financial advisor at J.P. Morgan Securities with 23 years of industry experience. She holds Series 63 and Series 66 designations and has been with JPMorgan Chase and its affiliates since 1998. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process incorporates centralized due diligence and may include ESG criteria, with clients maintaining final decision-making authority.

John Mc Elwee Jr. is a financial advisor with Mass Mutual Investors Services holding a Series 66 credential and one year of industry experience. Prior to his current role, he worked at several firms including Jackson National Life and Pacific Life Insurance Company. Outside of finance, he owns and operates an e-commerce business that designs websites for companies lacking a digital presence. MassMutual 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, with planning engagements structured as annual collaborative relationships using firm-approved analysis tools.

Addison Lynch serves as Vice President and Branch Leader. In this role, Addison focuses on fostering a high-performance work culture by empowering associates to maximize their talents and support clients in planning for long-term financial well-being. Addison has held several positions in the financial services industry. Prior to the current role, Addison was a Branch Leader at Fidelity Investments starting in 2022. From 2018 to 2022, Addison worked as a Client Relationship Manager at Charles Schwab. Earlier roles include Supervisory Manager at JPMorgan from 2016 to 2018 and Client Service Associate at JPMorgan from 2012 to 2016.

Tyler Malek is a financial professional with 13 years of industry experience, currently affiliated with Cetera. He holds a Series 66 designation and has worked with Diamond State Financial Group since 2013, in addition to roles at Minnesota Life and Securian Financial Services. Outside of advisory work, he is a partner in a rental property business. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager investment platform with a range of portfolio management and consulting services, supporting over 10,000 advisors and managing assets in excess of $256 billion.

Benjamin Skupp is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 credentials and possessing 22 years of industry experience. He has previously worked at Metlife Securities Inc. and New England Securities. Outside of his advisory role, he owns Mindshift Financial Coaching, a financial coaching business. 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, employing collaborative, goal-focused planning supported by firm-approved analytical tools.

Nikolas Mandalas is a financial advisor at Mass Mutual Investors Services with a Series 66 designation and one year of industry experience. He previously worked at Northwestern Mutual and has experience in academic roles at the University of Delaware and Temple University. Mass Mutual Investors Services operates as 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, employing tools such as Monte Carlo simulations and automated asset-allocation software to support its planning services.

Kyle Banal is a financial advisor with LPL Financial in Wilmington, DE, holding a Series 66 designation and two years of industry experience. Prior to joining LPL Financial in 2024, he worked at Bank of America for one year and was involved with Young Life for seven years. 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 tools such as machine learning for operational and research assistance.

Patrick Di Giacomo is a financial advisor at UBS Financial Services with four years of industry experience. He holds a Series 66 designation and has worked at UBS Financial Services since 2021. His prior roles include positions at Tres Commas, LLC and DiGiacomo Bookkeeping Associates, LLC. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans and portfolio management.

Jake Armstrong is a financial advisor with Merrill in Wilmington, DE, holding Series 65 and Series 63 licenses and one year of industry experience. His prior roles include positions at The Vanguard Group, Matt's Fish Camp, and Wilmington Blue Rocks. 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 managed by internal and third-party teams for a range of clients including individuals, high-net-worth clients, and institutional plans.

Dean Mioli is a CFP® professional with 22 years of industry experience, currently affiliated with Cetera. His prior experience includes over 16 years at SEI Investment Management and related entities. He also serves as an adjunct professor for the American College of Financial Services. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, supporting both discretionary and non-discretionary authorities across multiple program structures.

James Coll is a financial advisor with 32 years of industry experience, currently affiliated with Cetera. He holds Series 63 and Series 65 licenses and has previously worked at Avantax, Ameriprise Financial Services, and H.D. Vest. In addition to advisory work, he owns and operates James J Coll & Associates LLC, providing accounting services and tax preparation. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through a nationwide network of independent advisors and employs a multi-manager platform approach with access to affiliated and third-party investment managers.

Paul Karcher is a financial advisor at RBC Capital Markets with 43 years of industry experience. He holds a Series 63 designation and has worked previously at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. Outside of his advisory role, Mr. Karcher operates a garden business focused on building raised bed gardens and conducts self-defense workshops through a personal safety company. He also serves as a committee member leading voter outreach efforts in his local precinct. RBC Wealth Management, a division of RBC Capital Markets, offers a wide range of advisory programs and services to individual investors, institutions, corporations, and charitable organizations. The firm customizes investment strategies based on client risk profiles, utilizing both in-house and third-party managers, and provides integrated portfolio management, planning, custody, and brokerage solutions.

Anthony Degli Obizzi Jr. is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 65 licenses. He has six years of industry experience and previously worked at Lincoln Financial Distributors, Morgan Stanley, and JPMorgan Chase. He also holds an outside insurance sales position as a property and casualty broker. 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 provides ongoing financial planning, asset management, and educational programs using firm-approved analytical tools and offers specialized services such as divorce planning and event-driven estate settlement.

Robert Griesemer is a financial advisor with LPL Financial in Wilmington, DE, holding the ChFC® designation and Series 63 license. He has 42 years of industry experience, including previous roles at Lincoln Financial Securities Corporation and Financial House. He is also the owner of Certified Consultants Inc., a tax preparation and accounting business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutional clients. The firm provides a range of advisory services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Walter Timby IV is a financial advisor at Mass Mutual Investors Services with 25 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Mass Mutual Investors Services since 2017. Prior to this, he was with Metlife Securities Inc. and New England Securities. Timby is also an independent insurance agent specializing in individual life, health, group life, and group health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser affiliated with MassMutual. The firm serves individuals, business owners, trusts, estates, charitable organizations, and employers, providing financial planning, asset management, and educational programs.

Tyler Herron is an Investment Consultant at Fidelity Investments, where he has been working since 2025. Prior to this role, he served as a Financial Solutions Advisor at Merrill Lynch from 2020 to 2025. Tyler focuses on helping clients make confident financial decisions by combining personalized planning with thoughtful investment strategies. He aims to provide clients with clarity and direction in their investment decisions and to collaborate towards a positive financial future. Outside of his professional work, Tyler has interests that include baseball, cars, football, social events with friends, golf, and pets.

Michael Lahoda is a financial advisor with Raymond James Financial in Wilmington, DE, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. His work history includes roles at Raymond James Financial Services since 2004, non-variable insurance since 2012, and a 16-year tenure with the State of Delaware. He is also involved as a supervisory committee member of the New Castle County School Employees Federal Teacher's Credit Union. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary advisory services that incorporate risk profiling and probabilistic modeling and supports specialized municipal and public-finance work through its unique municipal advisor affiliation.

Richard Di Palma is a financial advisor at Edward Jones with five years of industry experience. He holds a Series 66 designation and has served in the New Jersey Army National Guard for 16 years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Aj Lopez is a Financial Advisor at Merrill Lynch Wealth Management focused on providing clear, actionable strategies for long-term financial success. Drawing on six years of active duty service in the United States Air Force, Aj emphasizes preparation, accountability, adaptability, and calmness under pressure in his advisory approach. He works with individuals, families, corporate executives, and business owners to simplify complex financial decisions related to retirement income planning, tax minimization, portfolio management, and small business strategies. Aj's methodology centers on practical, disciplined planning tailored to clients' unique goals, leveraging the resources of Merrill and Bank of America to deliver integrated financial solutions. Aj holds a Bachelor's Degree from the University of Delaware and carries the Personal Investment Advisor (PIA) designation. Outside his professional activities, he enjoys baseball, boxing, chess, football, golfing, hiking, skiing, and spending time with his family.

Todd Marotta is a financial advisor with Cetera, holding CFP® and ChFC® designations and over 28 years of industry experience. His career includes roles at Fidelity Investments, Citizens Securities, Mercer Global Advisors, and PNC Investments. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and a large network of independent advisors.