Stephanie Smith Christiano is the Senior Resident Director at Merrill, where she has built a career spanning over 28 years. She began her journey with the firm through a college internship and joined full-time in 1998. Stephanie focuses on working with families to help them define and achieve their financial goals through regular meetings to assess progress and adjust plans as needed. Her approach emphasizes building strong relationships with clients and professional partners to simplify financial decision-making. Stephanie holds a Master's degree from Wilmington College and a Bachelor's degree from Wesley College. She has earned several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Her areas of expertise include college education planning, personal retirement planning, employee financial health, women and wealth, tax minimization, and retirement income. In addition to her professional work, Stephanie is involved in her community as a board member of First State Ballet and a trustee of Delaware Hospice. She also volunteers with the Ronald McDonald House of Delaware. Residing in Delaware with her husband, a teacher, and their daughter, Stephanie balances her professional responsibilities with spending time with her family, cooking, and traveling.

Connor Davis is a financial advisor with Mass Mutual Investors Services in Newtown Square, PA, holding a Series 66 designation and seven years of industry experience. His career has been with Mass Mutual affiliated entities since 2017. Outside of his advisory role, he is a property and casualty insurance broker and owner of a financial planning LLC. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm’s approach emphasizes collaborative annual planning engagements using firm-approved analytical tools to recommend investment strategies without discretionary authority.

Paul Miller is a financial advisor with Equitable Advisors in Wilmington, DE, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His prior roles include positions at Penn Investment Advisors Inc., Penn Community Bank, and Purshe Kaplan Sterling Investments. He serves as Vice Chairman of the Delaware District of the US Tennis Association, promoting the game of tennis. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and various third-party asset managers. The firm employs a hybrid referral and implementation model that utilizes both advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

Avery Law is a financial advisor with Mass Mutual Investors Services holding a Series 66 credential and two years of industry experience. Prior to joining MassMutual Life Insurance Company and Mass Mutual Investors Services, Avery held roles at Dolan, Bell, Lautner, Gilbert, CPA's, Creative Financial Group, and Stockton University. 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 offers financial planning, asset management, and educational seminars, using firm-approved software to develop collaborative, written recommendations tailored to client goals.

Paul Morrison is a financial professional at Cetera with five years of industry experience and holds the Series 66 designation. He has worked at Diamond State Financial Group and Minnesota Life Insurance Co, and serves on the Alumni Advisory Board for the Sigma Chi Fraternity at the University of Delaware. Cetera Investment Advisers LLC operates as a multi-manager platform serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers through multiple program structures and custodial relationships.

Daniel Stroud is a CFP® with 23 years of industry experience, currently serving at Mass Mutual Investors Services since 2017. He previously worked at METLIFE Securities Inc for 14 years. Outside of his advisory role, he is involved in coaching basketball. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations, offering programs that include ongoing planning, educational seminars, and specialized event-driven services.

Kevin Kolmer Sr. is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with Merrill since 2004 and joined his current team in 2007. Kevin works with a wide range of clients, including those early in their careers who are beginning to accumulate wealth, as well as individuals approaching retirement or considering selling their enterprises. Kevin holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification from the Certified Financial Planner Board of Standards. He earned a Bachelor's degree in Business Management from Gettysburg College, where he was active in tutoring, community service, and held leadership roles. In his advisory practice, he focuses on identifying client risks related to retirement cash flow, liability management, and tax consequences, using a planning-based approach that addresses risks beyond portfolio management. Outside of his professional work, Kevin is involved with the Berwyn Paoli Area Little League, where he coaches and serves on the finance committee. He resides in Berwyn, Pennsylvania with his family. His personal interests include golf, paddle tennis, running, following Philadelphia sports teams, and spending family time in Ocean City, New Jersey.

Charles McDonald is a financial advisor with Mass Mutual Investors Services in Newark, Delaware, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 43 years of industry experience, including 38 years with Metlife Securities Inc. and over a decade with MassMutual and its affiliates. He serves as president of the NAIFA-Delaware chapter and participates as a member of a horse racing investment stable. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning, asset management, and educational seminars to individuals, business owners, trusts, and charitable organizations. The firm employs a collaborative planning approach using firm-approved analytical tools and provides event-driven services such as estate settlement and employer-sponsored planning programs.

Mark Freed is a financial advisor at LPL Financial with 14 years of industry experience. He holds the Series 66 designation and previously worked at PNC Investments for nine years before joining LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing various model portfolios, research, and technology-driven investment strategies.

John Scarduzio is a financial advisor at Stifel with 12 years of industry experience. He holds the Series 66 designation and previously worked at RBC Capital Markets from 2012 to 2024. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Emmett De Rome is a financial advisor with Mass Mutual Investors Services in New Castle, DE, holding a Series 66 designation and one year of industry experience. His prior work includes positions at LPL Enterprise, The Prudential Insurance Company of America, and Pruco Securities LLC. Before entering the financial industry, he worked in the climbing gym sector. Mass Mutual Investors Services 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 offers annual, collaborative financial planning engagements using firm-approved software and provides various investment programs and educational seminars.

Jeffry Campbell II is a financial advisor with MassMutual Investors Services and holds Series 63 and Series 65 designations. He has 23 years of industry experience, including roles at LPL Financial and 360 Wealth Management. Outside of finance, he writes, records, and performs music professionally as a performance and studio musician. MassMutual Investors Services, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, and charitable organizations, employing firm-approved software and collaborative planning processes.

Brent Fuchs is a financial advisor at Osaic Wealth, Inc. with 25 years of industry experience. He holds the CFP®, ChFC®, and Series 66 designations. Prior to joining Osaic in 2025, he worked for Lincoln Financial Advisors Corp for 25 years. Fuchs is involved in several insurance-related activities, including offering various types of annuities, life insurance, and health insurance products through Heritage Financial Consultants, LLC. Osaic Wealth, Inc. 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, financial planning, retirement plan consulting, and access to third-party money managers, using a variety of portfolio construction tools and multiple advisory platforms.

Kimberly Goodman is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. She has been with Wells Fargo in various roles since 2016. Outside of her advisory work, she serves as a power of attorney for her child. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Richard Costello is a financial advisor at Ameriprise with 34 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining Ameriprise in 2025, he worked at OSAIC and Securities America, and he has owned Group Insurance Solutions, an insurance agency serving individuals and small businesses, since 2002. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets. The firm combines research-driven modeling and tax-efficient strategies to provide tailored, non-discretionary recommendations through a centralized consulting team.

Jacob Yates is a financial advisor with Cetera, holding CFP® and Series 66 credentials and 12 years of industry experience. He has worked at Diamond State Financial since 2014 and has held roles at Minnesota Life Insurance Co and Securian Financial Services. Outside of advisory services, he is involved as an agent and broker in fixed insurance sales. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through a multi-manager platform with over 10,000 advisors and $256 billion in assets under management.

Seth Immediato is a Series 66 credentialed advisor with Ameriprise in Wilmington, DE, with three years of industry experience. Prior to joining Ameriprise, he worked at the University of Delaware and Delaware Military Academy. He also supports a registered financial advisor through Kimberlee M. O. LLC, assisting with meeting preparation, follow-up, and client services. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning services that include written recommendation reports and annual advice focused on dependable income and tax-aware withdrawal strategies.

Jeanne Griffith is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. She holds the Series 66 designation and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. Its advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Kerri Matthews is a financial advisor at UBS Financial Services with nine years of industry experience. She holds the Series 63 and Series 66 designations and has worked at UBS since 2018, following four years at Capital One Investing LLC. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Ketul Mody is a financial professional with 18 years of industry experience, currently affiliated with Cetera. He holds Series 63 and Series 65 registrations and has been associated with Cetera and Cetera Wealth Services since 2023. Prior to this, he worked at Diamond State Financial Group and Minnesota Life Insurance Company, among others. Outside of his advisory role, Mody serves as co-secretary and volunteer for the Gujarati Samaj of Delaware, a local Indian community group. Cetera is an SEC-registered adviser that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm provides a multi-manager platform offering a range of investment and advisory services through discretionary and non-discretionary portfolio management and access to third-party managers.