Charles Allen is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds the Series 63, Series 65, and Series 66 credentials and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Allen serves on the executive boards of both the Southern New Jersey Council and the Garden State Council of the Boy Scouts of America. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools, serving clients through a combination of advisory and brokerage services.

David Rodgers is a CFP® certificant with 18 years of industry experience, currently advising through LPL Financial since 2023. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Morgan Stanley & Co. LLC. Additionally, he is involved with Concord Wealth Advisors, LLC, a business entity used for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning, model portfolios, third-party asset management, and retirement advice, supported by a broad platform of proprietary and third-party investment options.

Marcia Upton is a Planning Consultant who collaborates with clients to develop personalized financial plans that align with their individual goals and needs. She emphasizes the importance of financial success as encompassing peace of mind, not just numerical achievements. Prior to her current role, Marcia worked as an Investment Consultant at Fidelity Investments from 2023 to 2025. She also served as a Financial Advisor at Thrivent from 2019 to 2023. Outside of her professional work, Marcia enjoys reading, playing tennis, and volunteering.

Christopher John Hickey is a Senior Financial Advisor at Merrill Lynch Wealth Management with a career in the financial services industry beginning in 1995. He has held various leadership positions within the Wealth Management Division, including Investment Center Manager, Assistant Market Director, and Market Director across the New Jersey, Pennsylvania, and Delaware markets. Mr. Hickey employs a disciplined wealth management process, integrating clients' financial and personal circumstances to develop tailored investment strategies and recommendations. Utilizing Merrill Lynch's investment insights alongside Bank of America's banking services, he aims to provide comprehensive and integrated financial solutions. He regularly conducts financial reviews with clients to monitor progress and adjust strategies as needed in response to changes in clients' lives or financial markets. He holds the Chartered Retirement Planning Counselor™ designation awarded by the College for Financial Planning Institutes Corp., along with Series 7, 9, 10, 24, 63, and 65 registrations from FINRA. Additionally, he is licensed in Life, Health, and Long-Term Care insurance. Mr. Hickey earned a Bachelor of Science in Business Administration from Villanova University and a High School Diploma from Chaminade High School. Mr. Hickey resides in Wilmington, Delaware with his wife Amy and their four children. In his personal time, he often engages in golfing.

David Sauers is a CFP® professional with 32 years of industry experience, currently affiliated with OSAIC since 2025. His prior work includes nine years at Lincoln Financial Advisors, seven years with Mass Mutual Investors Services, and four years at Hornor, Townsend & Kent, LLC. Outside of his primary advisory role, he is also involved in offering disability insurance, fixed annuities, equity indexed annuities, and traditional life insurance. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing a range of investment platforms, third-party money managers, and automated portfolio construction tools.

Erich Dischert is a financial advisor with Raymond James & Associates in Wilmington, DE, holding a Series 66 designation and bringing 22 years of industry experience. He has been with Raymond James & Associates since 2015. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutional clients, and charitable organizations. The firm offers financial planning, investment consulting, and institutional fiduciary services, utilizing a range of portfolio management styles and affiliated research to support client decision-making.

Jeffrey Racan is a financial advisor at Merrill with 19 years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2009. He also has experience at Bank of America, N.A., where he has worked since 2016. 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. The firm offers model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors, employing a range of internal and third-party investment managers.

Garrett Hadley is a financial advisor with Morgan Stanley, holding a Series 66 credential and bringing 26 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he serves as a board member of the Avalon Yacht Club in Avalon, New Jersey. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services through both direct and corporate financial planning agreements.

Leandro Genoese is a financial advisor with Cetera, holding a Series 66 designation and over 26 years of industry experience. He has worked with Avantax and has operated Genoese & Associates, P.A., a CPA firm specializing in tax preparation, business consulting, payroll, bookkeeping, and accounting, since 2008. Besides advisory work, he serves as president of this firm and is involved as a general partner in real estate and mortgage-related partnerships. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform that provides access to diverse investment strategies under both discretionary and non-discretionary arrangements.

Charles Fazio is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 designations and 11 years of industry experience. He has been with Mass Mutual Investors Services since 2016 and with MassMutual Life Insurance Company since 2014. 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 programs, structuring planning engagements as annual, collaborative relationships using firm-approved software tools.

Blake Corrigan is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2016. He has been with Fidelity Investments since 2012, serving previously as an Investment Consultant from 2014 to 2016 and as a Private Client Specialist from 2012 to 2014. Prior to joining Fidelity, he worked as a Retirement Specialist at T. Rowe Price from 2008 to 2012. Blake's professional focus is on building long-term relationships with clients, emphasizing trust and understanding of their goals and needs. He partners with clients to create and maintain tailored financial plans that address their objectives for today, the future, and for generations to come, supported by consistent communication. Outside of his professional role, Blake is engaged in family activities and enjoys gardening, hiking, parenthood, and skiing.

Kristy Douglas is a financial advisor at Cetera with eight years of industry experience and holds a Series 66 designation. She previously worked at Avantax Advisory Services and 1st Global Advisors before joining Cetera. Outside of her advisory role, she serves on the financial advisory committee for the Goshen Fire Company and owns a CPA firm providing tax and accounting services. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, supporting both discretionary and non-discretionary accounts across multiple program structures.

Carole Ricci is a financial advisor with Morgan Stanley in Greenville, Delaware, holding Series 63 and Series 66 licenses and having 14 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2016. Outside of her advisory role, she serves as an executor or co-executor for an estate in Boothwyn, Pennsylvania. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients. The firm offers tailored financial planning supported by firm-approved tools and manages approximately $2.74 trillion in client assets.

Robert Ziegler is a financial advisor at Osaic with 18 years of industry experience. He holds the Series 66 designation and previously worked for Lincoln Financial Advisors for 13 years. In addition to his advisory role, he is an insurance agent offering annuities and life insurance products through two Delaware-based firms. Osaic Wealth, Inc. serves a diverse client base including individual investors, institutions, and charitable organizations. The firm provides a broad range of advisory and brokerage services, employing advanced asset-allocation tools and third-party platforms to manage portfolios across various investment types.

Charles Tilkens Jr. is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and five years of industry experience. He previously worked at The Vanguard Group, Inc. and Citadel Credit Union. Outside of his advisory role, he operates e-commerce businesses selling items on eBay and collectibles on Mercari. Cetera Investment Advisers LLC serves individual, corporate, charitable, and institutional clients through a nationwide network of over 10,000 independent advisors, offering a range of portfolio management and financial planning services across multiple program structures and investment strategies.

Patricia Solge is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. She previously worked at Cantella & Co Inc for over a decade before joining Cambridge. She is also the owner of Wealth Advisors LLC. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a range of portfolio management strategies and platform arrangements.

Lorin Pierucci IV is a financial advisor at Edward Jones with three years of industry experience. Prior to joining Edward Jones, he worked at Engineered Floors and Shaw Industries, with a significant tenure at PNC Bank. Outside of his advisory role, he owns a residential rental property in Newtown Square, Pennsylvania. Edward Jones is a full-service wealth management firm serving a broad client base that includes individual and institutional investors. The firm offers a range of investment strategies and affiliated financial services, operating under a fiduciary standard and supported by a large network of advisors and branch offices.

Graham Cassidy is a financial advisor with Morgan Stanley in Greenville, DE, holding Series 63 and Series 66 licenses and with 23 years of industry experience. He has worked at Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes using firm-approved tools and modeling techniques.

Daniel Rappa is a financial advisor at LPL Financial with seven years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at firms including M&T Bank, Prudential Insurance Company of America, PGIM Investments, and Penn Mutual Life Insurance Co. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management solutions, utilizing a network of investment adviser representatives who implement various model portfolios and customized strategies.

Lynda Durso is a financial advisor at UBS Financial Services with 31 years of industry experience. She holds Series 63 and Series 65 licenses and has been with UBS since 2008. 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 to client goals and risk tolerances.