Stanley Minka Jr. is a ChFC® with 43 years of experience in the financial services industry. He is currently affiliated with Mass Mutual Investors Services and MassMutual Life Insurance Company, where he has worked since 2016 and 2017 respectively. Outside of his advisory role, he is involved in the National Association of Insurance & Financial Advisors where he coordinates educational programming for members. MassMutual 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 and asset management services using firm-approved analytical tools and offers event-driven planning programs including divorce and estate-settlement planning.

Zachary Laidlaw is a financial advisor at Fidelity with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at TD Ameritrade. His background also includes a period devoted to traveling. Strategic Advisers LLC, a Fidelity Investments company where he works, provides investment management and advisory services to retail and institutional clients. The firm uses a combination of proprietary fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs, and it serves multiple registered investment companies and intermediary platforms.

Matthew Mcdermott III is a financial advisor with Raymond James & Associates in Greenville, DE, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has been with Raymond James & Associates since 1997. Raymond James & Associates provides financial planning and investment consulting to a diverse client base that includes individuals, employer-sponsored retirement plans, corporate and charitable entities, as well as state and municipal governments. The firm offers tailored financial plans and asset-allocation analyses through its Wealth Advisory Services Program and supports municipal clients with public-financing and investment banking capabilities.

Christopher Scoffone is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and four years of industry experience. His prior work includes roles at Creative Financial Group and MeFluence LLC, as well as involvement with Applebrook Golf Club. Mass Mutual Investors Services, LLC is a subsidiary of MassMutual that offers financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm provides collaborative, annual financial planning engagements using firm-approved tools and also offers specialized planning programs, including recent additions such as Divorce Planning.

Michaela Kowatch is a Series 66-licensed financial advisor with six years of industry experience. She currently works at LPL Financial and previously held roles at Morgan Stanley Smith Barney LLC, Raymond James & Associates, and Wells Fargo Advisors Financial Network, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charities through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting supported by proprietary and third-party research.

William Touey is a financial advisor at LPL Financial with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been associated with LPL Financial since 2013. Touey is also president of Touey and Company LLC CPAs, a firm providing tax preparation and accounting services. 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 range of advisory and brokerage services, including financial planning, retirement plan consulting, and various managed investment programs supported by in-house and third-party research.

Christian Reinecker is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been serving the wealth management needs of individuals, families, and business leaders since 1994. His practice focuses on developing personalized strategic solutions tailored to clients' long-term financial goals. Key areas of expertise include individual stock portfolio management, risk management, asset allocation strategies, retirement planning, stock option analysis, hedging and cash flow strategies related to concentrated equity positions, liability management, life insurance, wealth preservation, and estate transfer strategies. Christian holds a Bachelor of Science degree from Loyola College in Baltimore, Maryland. He has earned several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Originally from Washington, DC, he began his career in the DC area before relocating to West Chester, Pennsylvania, where he resides with his wife and four children. Beyond his professional work, Christian is actively involved in community and parish activities at St. Simon and Jude, where he volunteers and coaches. He participates in alumnae-supported events and various charitable organizations. His personal interests include golf, skiing, running and hiking, playing guitar, travel, and outdoor activities.

Matthew Evans is a financial professional at Cetera with seven years of industry experience. He holds a Series 66 designation and has worked at Cetera, Securian Financial Services Inc, and Diamond State Financial Group among other firms. Outside of his advisory role, he was involved with Big League Juices® from 2016 to 2019. Cetera Investment Advisers LLC serves a broad client base including individual investors, employer-sponsored retirement plans, and institutional accounts. The firm offers a range of portfolio management and advisory services through a nationwide network of over 10,000 advisors, utilizing both affiliated and third-party managers across multiple program structures.

Jacklyn Naselli is a financial advisor at MassMutual Investors Services with four years of industry experience. She holds a Series 66 designation and has worked at MassMutual Life Insurance Company since 2020. Outside of her advisory work, she is a property and casualty insurance representative involved in quoting personal and business insurance policies. MassMutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements supported by firm-approved analytical tools, with optional implementation of recommendations through separate brokerage or insurance arrangements.

Gary Ulrich Jr. is a CFP®-certified financial advisor with 10 years of industry experience. He has worked at LPL Financial since 2022 and previously spent seven years at Lincoln Financial Securities Corporation. Ulrich also engages in investment-related activities through Financial House Advisors, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs and portfolio management options supported by in-house and third-party research.

William Stinger is a financial advisor with Mass Mutual Investors Services and holds the ChFC® designation along with Series 63 and Series 66 licenses. He has 27 years of industry experience, including tenure at Metlife Securities Inc. and Mass Mutual Investors Services. Outside of his advisory role, he is also an independent insurance agent specializing in individual and group life, health, and property/casualty insurance. 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, utilizing collaborative, annual planning engagements that focus on investment categories and strategies without discretionary authority.

Todd Anderson is a financial advisor at Morgan Stanley with 37 years of industry experience. He has held roles at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2013. Outside of his advisory work, Anderson serves as a board member and finance committee member for First State Squash, a youth sports and education organization in Wilmington, Delaware. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning supported by structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Jacob Halem is a financial advisor at Cetera with one year of industry experience. He holds the Series 66 designation and previously worked at Washington College and Koons Automotive Company. Halem is also involved as a financial advisor with Diamond State Financial Group, providing advisory services to assist clients with their financial objectives. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of over 10,000 advisors and manages more than $256 billion in assets.

Bryan Radcliff is a financial professional with 14 years of industry experience, currently with Cetera since 2023. He holds a Series 66 designation and has previously worked at Minnesota Life and Securian Financial Services. Radcliff serves as secretary on the board of DSFG Cares, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered firm that operates as a multi-manager platform serving individual and institutional clients nationwide. The firm offers a range of portfolio management and consulting services through a network of over 10,000 advisors.

Adam Rubin is a financial advisor at Cetera with one year of industry experience. He holds a Series 66 designation and has worked at Cetera and Cetera Wealth Services since 2024. Rubin is also the owner of Rubin Appraisals, a residential real estate appraisal business serving banks and lenders since 2011. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a nationwide network of independent advisors serving individual, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through a multi-manager platform with various program structures and custodial relationships.

Teresa Devries is a financial advisor with Mass Mutual Investors Services in New Castle, Delaware, holding Series 63 and Series 65 licenses. She has 22 years of industry experience, working at MML Investors Services Inc and MassMutual Life Insurance Company since 2003. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements, utilizing firm-approved tools to analyze client goals and deliver recommendations.

Jennifer Sonson is a Certified Financial Planner® with over 15 years of experience in the financial services industry. She has been with Raymond James Financial Services Advisors since 2012, following earlier roles at Conrad and Sanford School. Sonson serves on the Finance Committee of the Fund for Women and is CEO of Patronus Partners LLC. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individuals, high-net-worth investors, pension plans, and public entities. The firm offers tailored, typically non-discretionary advisory services and is noted for its work with municipal clients and a specialized SIMPLE IRA Employer Advisory & Consulting Services program for small businesses.

Bradford Bugher is a Wealth Management Advisor with Merrill Lynch Wealth Management, joining the firm in 1993 after ten years in real estate sales and property management. He co-founded his current advisory group, leading the team’s investment strategies and focusing on clients’ insurance, annuity, and liability management needs. Brad works closely with clients to develop personalized financial plans, emphasizing the importance of understanding clients’ goals, concerns, risk tolerance, and family perspectives to build effective wealth management strategies. Brad holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification awarded by the Certified Financial Planner Board of Standards and a Personal Investment Advisor (PIA) designation. He earned a Bachelor of Science degree in Business Administration with a concentration in Marketing and a minor in Economics from the University of Delaware, where he also participated in the school’s marching band. Born and raised in Newark, Delaware, Brad and his wife, Joanne, are parents of three adult children. Outside of his professional responsibilities, he has been actively involved in the YMCA of Delaware's fundraising efforts for the past decade and has served on the board of the Delaware Military Academy. Brad’s personal interests include biking, boating, fishing, hiking, racquetball, scuba diving, skiing, swimming, traveling, and spending time with his family.

Eric Cardonick is a financial advisor with Merrill in Media, PA, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He has been with Merrill since 2013. Outside of his advisory role, he works part-time as an independent contractor for a food delivery service and participates in user research studies. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Timothy Hernandez is a financial advisor at Edward Jones with five years of industry experience. He holds the Series 66 designation and has worked at several firms, including Raymond James & Associates, Wells Fargo, and J.P. Morgan. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a variety of advisory programs and investment strategies, supported by a large nationwide network of financial advisors and branch offices.