Ravi Polu is a financial professional with 12 years of industry experience, currently affiliated with Cetera. He holds Series 63 and Series 66 designations and has worked at Cetera Wealth Services, Diamond State Financial, and Securian Financial Services. He is also involved in insurance sales as an agent and broker through Diamond State Financial Group. Cetera Investment Advisers LLC is an SEC-registered firm that offers a range of portfolio management, financial planning, and retirement services to individual, corporate, and institutional clients. The firm operates a multi-manager platform providing access to various investment strategies through discretionary and non-discretionary programs.

Shelby Tennant is a financial advisor with UBS Financial Services in Greenville, DE, holding a Series 66 designation and six years of industry experience. Tennant has been with UBS since 2017 and previously worked at The Greene Turtle and the University of Delaware Education. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services and proprietary research to tailor investment strategies to clients' goals and risk tolerances.

Jared Kolinsky is a financial advisor at Merrill with Series 65 and Series 63 licenses and one year of industry experience. His prior roles include positions at The Vanguard Group, Bryn Mawr Trust, and several non-financial businesses. 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 investment strategies for individuals, high-net-worth clients, and institutional accounts.

Zachary Bagdon is a financial advisor at Merrill with 21 years of industry experience, including over 20 years at Merrill. He holds a Series 66 designation. Outside of his advisory role, he is the owner of Bagdon Global Holdings, LLC, a family-run business involved in various activities such as landscaping, sales of exterior structures, custom textiles, crafts, educational programs, and baked goods. 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 investment strategies to individuals, high-net-worth clients, and institutional investors.

Suzanne Heron is Vice President and Financial Consultant at Fidelity Investments, a role she has held since 2023. She has been part of Fidelity Investments since 2020, previously serving as a Financial Consultant. Prior to joining Fidelity, Suzanne worked as a Financial Advisor at Lovett Advisors from 2017 to 2020. Her earlier experience includes positions at Marcus & Millichap as an Associate from 2015 to 2017, and providing advisory services for the Thiry Team at NAI Global from 2012 to 2015. With over a decade of experience, Suzanne has worked closely with clients and their families to grow and protect their wealth. She emphasizes developing a deep understanding of clients' goals and preferences to build strong partnerships based on trust and mutual understanding. Her objective is to collaborate with clients in creating and maintaining financial plans that help them navigate life's transitions with ease and peace of mind. Outside of her professional work, Suzanne has interests in outdoor adventures, reading, running, traveling, and volunteering.

Brooke Le Brun is a financial advisor with Merrill in Wilmington, DE, holding Series 65 and Series 63 licenses and having 13 years of industry experience. She has worked at Merrill and Bank of America since 2017 and previously at PNC Investments LLC and PNC Bank from 2014 to 2017. Outside of her advisory role, she is a published author of poetry writing under the pen name B.L. Matthews. 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 investment strategies for individuals, high-net-worth clients, and institutions.

Jason Durnan is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career as a Financial Advisor with Merrill in 2018. Jason collaborates with individuals and families to guide them along their financial journeys by prioritizing clients' goals and developing tailored short- and long-term financial plans. His areas of focus include college education planning, employee benefits planning, executive compensation, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Jason earned a bachelor's degree in Finance with a minor in Psychology from The Pennsylvania State University. He holds several professional certifications including Certified Financial Planner (CFP®), Certified Exit Planning Advisor (CEPA®), and Certified Plan Fiduciary Advisor (CPFA®). Raised in the Wilmington area and an alumnus of Salesianum School, Jason volunteers with Special Olympics Pennsylvania and the Penn State Dance Marathon. He enjoys various sports and outdoor activities such as basketball, golfing, and hiking.

David Trainor is a CFP® professional with 19 years of industry experience, currently serving as a financial advisor at Edward Jones since 2006. He holds a Series 66 designation and is based in Oxford, PA. Outside of his advisory role, he is involved as a board member and committee participant with Oxford Mainstreet Incorporated, working on local economic development initiatives, and owns a business that buys, repairs, and resells motorcycles, boats, and cars. Edward Jones is a full-service wealth management firm serving individual and institutional clients across a broad range of needs. The firm manages over $1 trillion in assets through a nationwide network of advisors, offering both discretionary and non-discretionary investment strategies along with affiliated mutual funds, trust services, and securities-based lending options.

Nicole Peluso is a ChFC® credentialed financial advisor with four years of industry experience, currently serving clients at Cetera in Newark, DE. Her prior roles include positions at Diamond State Financial Group, Securian Financial Services Inc., and Minnesota Life Insurance Co. In addition to her advisory work, she conducts fixed insurance sales as an independent contractor. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of investment and consulting services through a multi-manager platform, providing access to affiliated and third-party managers and a variety of portfolio management programs.

Joseph Biloon is a CFP® professional with 26 years of industry experience. He is currently with LPL Financial and has held roles at Independent Advisers Group Corp, Jefferson Pilot Securities, Financial House, Inc., and Dean Witter Reynolds. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, retirement advice, and institutional platforms, supporting over 22,800 advisors and managing more than $819 billion in discretionary assets.

Nicholas Hoeschel is a financial advisor at Cetera with 17 years of industry experience. He holds the CFP® designation and Series 63 and 65 licenses. His prior experience includes roles at Penn Mutual Life Insurance Company and Hornor Townsend & Kent Inc. Hoeschel is also the owner and lead presenter of College Cost Solutions, where he conducts seminars for high school parents on paying for college. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services, with program options ranging from model portfolios to bespoke strategies across multiple custodial relationships.

Joseph Oliver is a CFP® professional affiliated with Edward Jones in Oxford, PA, with six years of industry experience. Prior to joining Edward Jones in 2020, he was involved with Green Planet Inc (GPHomestay) and spent six years at Baylor University. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large nationwide network of advisors and branch offices.

Dylan Brindley is an Investment Consultant at Fidelity Investments. In this role, Dylan provides personalized guidance and investment strategies to help clients with retirement planning, wealth accumulation, risk management, and overall financial well-being. Dylan's approach involves understanding each client's unique goals and leveraging Fidelity's resources to support informed financial decisions. Prior to becoming an Investment Consultant, Dylan held positions at Fidelity Investments as a Planning Consultant from 2025 to 2026, a Relationship Manager from 2023 to 2025, and a Financial Representative from 2022 to 2023. This progression reflects a focus on client service and financial planning within the firm.

Matthew Muench is a CFP®-designated financial advisor with Raymond James Financial in Wilmington, DE, and has eight years of industry experience. His prior roles include positions at United Capital Financial Advisers, Goldman Sachs PFM, and Ct Financial Advisors. He also serves as Vice President of Operations at Wilmington Wealth Management, a branch affiliated with Raymond James, and works as an insurance agent assessing and selling non-variable insurance products. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm delivers non-discretionary planning and consulting using analytical tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Edward Eckenroad is a financial advisor at Ameriprise with 24 years of industry experience and holds a Series 66 designation. He has been with Ameriprise and its affiliated entities since 2008. He serves on the boards of The Preserve at Inniscrone and Sigo in Avondale, PA. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing advice focused on dependable income sources and tax-aware withdrawal strategies.

Nicholas Reardon is a financial advisor at Ameriprise with nine years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Ameriprise and Prudential-affiliated firms since 2016. Outside of his advisory role, he tutors students remotely as an independent contractor for Varsity Tutors. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a retirement income service that provides tailored planning advice focused on reliable income sources and tax-aware withdrawal strategies for clients approaching or in retirement.

William Ryan II is a financial advisor at Morgan Stanley with 20 years of industry experience. He has been with Morgan Stanley since 2009 and holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and tailored financial planning using structured tools and modeling methods, managing approximately $2.74 trillion in client assets.

Jennifer Brennan is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Smith Barney LLC since 2013, following a prior four-year tenure at Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning and advisory programs supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides a range of investment services including relationships with investment companies, private funds, and commodity pooling.

Daniel Gennusa is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and 19 years of industry experience. He has worked at Wells Fargo Clearing for 10 years before joining Wells Fargo Advisors in 2026. Outside of advising, he serves as power of attorney for both of his parents in Delaware. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and financial planning services to individuals, trusts, and institutions. The firm offers a broad planning menu including retirement, education, and wealth-transfer planning, using proprietary research and tools to deliver tailored recommendations.

Robert Dewees is a financial advisor with Wells Fargo Advisors in Greenville, DE, holding a Series 66 designation and two years of industry experience. Prior to joining Wells Fargo Advisors, he served in the United States Marine Corps for nine years and held a role at Wells Fargo Clearing. He is treasurer of the Talons Reach Foundation, a nonprofit supporting special operations forces. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a wide range of investment and financial planning services, leveraging proprietary research and planning tools to deliver tailored recommendations.