Darian David is a financial advisor at Cetera with a Series 66 credential and approximately one year of industry experience. His prior roles include positions at Schwab Wealth Advisory, Inc., Charles Schwab & Co., Inc., Citadel Federal Credit Union, and KPMG LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers, supporting a range of program options and custodial relationships.

Francis Sciecinski Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with LPL Financial since 2009. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and uses proprietary research along with third-party solutions to address diverse client needs.

James Clary is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. His prior work history includes roles at Lincoln Financial Advisors, Inc., National Life Group, and Equity Services. Outside of advising, he is involved as an insurance agent offering disability insurance, traditional life insurance, fixed annuities, long-term care insurance, life settlements, and premium financing. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing tools such as asset-allocation models and automated rebalancing to manage portfolios that include a range of investment types across discretionary and non-discretionary accounts.

Christian Wagner is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 licenses and having 26 years of industry experience. His prior work includes roles at Purshe Kaplan Sterling, PTS Brokerage, Penn Investment Advisors, and Penn Community Bank. He serves as an emeritus board member of the Admiral Farragut Academy Foundation and is on the advisory board of Facecake Marketing Technologies, an augmented reality company. Equitable Advisors provides financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs for individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients. The firm works extensively with LPL-sponsored programs and endorsed TAMPs and offers both discretionary and non-discretionary portfolio management solutions.

Lindsay Przywara is a financial advisor with Merrill in Wilmington, DE, holding a Series 66 designation and three years of industry experience. Prior to joining Merrill in 2022, Lindsay worked at Dan Dougherty State Farm Agency and WaWa. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base including individuals, pension plans, and charitable organizations.

Kristen Taylor is a CFP® professional with 13 years of industry experience, currently affiliated with Cambridge Investment Research Advisors. She previously worked at Ic Advisory Services Inc and The Investment Center Inc from 2013 to 2024. Outside of her advisory role, Taylor is involved in teaching and educational activities. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and estates. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, employing a variety of portfolio management strategies and platform arrangements.

Ryan Anger is a financial advisor at LPL Financial with seven years of industry experience. He holds Series 63 and Series 65 designations and has previously worked with CUNA Brokerage Services, Inc. and Sun East FCU. From 2015 to 2018, he was associated with Child Guidance Resource Centers. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, and utilizes research and technology to support diverse investment strategies.

Stephen Caggiano is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and 32 years of industry experience. He has been with Cambridge Investment Research Advisors since 2008 and also owns Caggiano Associates, a tax accounting and preparation firm established in 1982. Additionally, he is an independent insurance agent for various companies. 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 plan advisory services through independent Financial Professionals, utilizing a range of portfolio management approaches and platforms tailored to client objectives.

Luke Chapman is a financial advisor with Mass Mutual Investors Services in Hockessin, DE, holding CFP® and Series 63 credentials and with 17 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Company since 2011. Outside of his advisory role, he is a partner at Now What Financial Education, LLC, where he co-authors books and performs paid speaking engagements related to financial education. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers, offering financial planning, asset management, and educational seminars.

Michael Whitlark is a financial advisor at OSAIC with 14 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Lincoln Financial Network since 2014 before joining OSAIC in 2025. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services supported by asset-allocation tools, risk-tolerance analysis, and access to third-party money managers across multiple platforms.

Kenneth Klein is a financial advisor with LPL Financial in Newark, Delaware, holding Series 63 and Series 65 credentials and 11 years of industry experience. Prior to joining LPL Financial in 2022, he worked at Hornor Townsend & Kent Inc. and Penn Mutual Life Insurance Co. He also owns Extra Mile Tax Prep Service, a tax preparation business he has operated since 1999. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, along with model portfolios supported by LPL Research and third-party subadvisors.

Jie Huang is a Financial Consultant currently working at Fidelity Investments since 2020. Jie has extensive experience in the financial sector, having previously served as a Financial Consultant at LPL Financial from 2017 to 2020, Vice President of Marketing Analysis at Barclays US from 2013 to 2016, Associate at BlackRock Financial from 2005 to 2013, and Financial Analyst in Investment Banking at Bank of China International from 2000 to 2003. Jie communicates fluently in Cantonese, Mandarin, and the Shanghai dialect. Jie emphasizes a personalized approach to financial guidance, recognizing the uniqueness of each client's economic and life situation. Dedicated to understanding personal goals, Jie collaborates with clients to develop financial security plans tailored to their specific needs. Outside of work, Jie enjoys badminton, family activities, movies, outdoor adventures, and traveling.

Laura Fontana is a financial advisor with Ameriprise, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. She has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2005. Outside of her advisory role, she serves on the boards of the New Castle Community Partnership and the New Castle Historical Society, and participates on the Finance Committee for the City of New Castle. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized Recommendation Reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Richard Laird Jr. is a financial advisor with Morgan Stanley in Greenville, DE, holding a Series 63 credential and bringing 33 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he is involved in landscape and wildlife photography as a sole proprietor and serves as Vice President of the Wilmington Club, where he chairs the House Committee. Morgan Stanley Wealth Management provides a wide range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process supported by firm-approved tools and offers various investment and financial products through its broad network.

Christopher Malmstrom is a financial advisor with Ameriprise in Newark, DE, holding Series 63, 65, and 66 licenses and with 18 years of industry experience. He previously worked at Alpine Brokerage Services, LLC for six years before joining Ameriprise in 2019. Outside of his advisory role, Malmstrom serves on multiple nonprofit boards, including as Treasurer of the Association of Fundraising Professionals Brandywine Chapter and as a board member for the Epilepsy Foundation of Delaware. Ameriprise Financial Services is a large, diversified advisory firm that serves individual and institutional clients, featuring a specialized Premier Retirement Income service which provides retirement-income planning advice through a written Recommendation Report and ongoing guidance focused on income sources and tax-aware withdrawal strategies.

Robert Young is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 licenses and three years of industry experience. His prior roles include positions at The Vanguard Group, Randstad, Infosys, and Guardian Life Insurance Company of America. Outside of finance, he co-owns and operates a judo studio where he teaches and coaches. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Benjamin Geiger is a financial advisor with J.P. Morgan Securities in West Chester, PA. He holds Series 63 and Series 66 designations and has five years of industry experience. His prior work includes roles at Shopify and JPMorgan Chase Bank, N.A. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Robert Wadleigh is a financial advisor at Wells Fargo Advisors with 18 years of industry experience. He holds the Series 66 designation and has worked within various Wells Fargo entities since 2009. Based in Wilmington, DE, his background includes extensive experience at Wells Fargo Clearing and Wells Fargo Advisors LLC. 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 institutional clients. The firm offers a wide range of planning services and integrates advisory offerings with other financial products and referral channels.

Andrew Ferrell is a financial advisor with Mass Mutual Investors Services in Newark, Delaware, holding a Series 66 designation and eight years of industry experience. He previously worked at Ameriprise Financial Services from 2016 to 2019 before joining MassMutual and its subsidiary MML Investors Services in 2019. MML Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, emphasizing annual collaborative relationships and event-driven planning programs.

Melissa Ray is a Financial Consultant at Fidelity Investments, where she collaborates with clients to develop personalized financial plans aimed at helping them achieve their goals with clarity and confidence. She focuses on translating complex financial decisions into actionable strategies that align with clients' priorities. Melissa has been with Fidelity Investments since 2019, progressing through roles including Client Experience Associate, Financial Representative, Relationship Manager, and Planning Consultant before her current position. This experience has provided her with a comprehensive understanding of financial services and client relationship management. Outside of her professional work, Melissa has interests in cooking and baking, music, outdoor adventures, parenthood, reading, and running.