Thomas Grenda Jr. is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2013. He is based in Greenville, Delaware. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm uses structured planning tools and market simulations to support client planning but generally acts in an advisory capacity without providing individual security recommendations within standalone plans.

Cecelia Dugan is a CFP® with 37 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2024. She previously worked at Wells Fargo Clearing for eight years. Dugan holds board and officer roles with several private charitable foundations and participates in the finance council at St. Ann’s Church. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory services with other financial products and referral channels.

Glenn Gardiner is a financial advisor at LPL Financial with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at firms including CUSO Financial Services, PNC Investment LLC, TD Bank, Fidelity Investments, and BNY Mellon Securities Corporation. LPL Financial is a national broker-dealer and SEC-registered investment advisor providing advisory and brokerage services through a large network of representatives to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies.

Charlotte Rice is a financial advisor at Mass Mutual Investors Services with seven years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Morgan Stanley and Lincoln Financial Distributors. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, using firm-approved software to analyze client goals and deliver written recommendations.

Thomas Fieldman is a financial advisor with RBC Capital Markets, holding Series 63 and Series 66 licenses and bringing 43 years of industry experience. He has worked at RBC Capital Markets since 2008 and previously spent 14 years at Janney Montgomery Scott. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations, offering a range of advisory programs with customizable investment strategies and access to both in-house and third-party managers.

Joseph Syernick III is a financial advisor at Mass Mutual Investors Services with 33 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including New England Securities and Metlife Securities Inc. Outside of his advisory role, he operates an insurance agency providing life, health, and long-term care products and serves as a referral source for employee retention credit services. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm offers comprehensive financial planning, asset management, and educational programs, focusing on structured, collaborative planning engagements without discretionary investment authority.

Robert Stephens III is a financial advisor with Primerica Advisors in Newark, Delaware, holding Series 63 and Series 65 credentials and over 31 years of industry experience. He has worked with PFS Investments Inc. since 1994 and Primerica Financial Services since 1992. In addition to advisory services, he is involved in selling loan products and home security and automation referrals through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-delivery strategies managed by unaffiliated asset managers and offers a range of investment models supported by BNY Mellon Advisors and Pershing for trade execution and custody.

Joe Urban is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2020. He has been with Fidelity Investments since 2011, progressing through various roles including Financial Consultant, Investment Consultant, Regional Relationship Manager, and Financial Representative. Prior to joining Fidelity, he was a Financial Adviser at Edward Jones and a Senior Loan Officer at Federated Lending. Joe's professional background encompasses a broad range of financial services, reflecting his experience in financial consulting, investment advising, and client relationship management. His approach to financial planning emphasizes personalized, transparent, and proactive communication, aiming to understand each client's unique financial needs and goals. Outside of his professional work, Joe enjoys activities such as baseball, hiking, running, traveling, and spending time with his family.

Wickliffe Hollingshead II is a financial advisor at Fisher Investments with 23 years of industry experience. He holds Series 63 and Series 65 designations and has been with Fisher Investments since 2003. Fisher Investments serves a global mix of institutional and private clients, including pension plans, foundations, and high-net-worth individuals, offering discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized investment approach combining quantitative and qualitative research to construct diversified portfolios and uses various risk management techniques such as derivatives and tax-loss harvesting.

Casey Wren is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds the Series 66 designation and previously worked at Janney Montgomery Scott for eight years before joining Morgan Stanley in 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide array of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a financial planning process that utilizes approved planning tools and scenario modeling.

Michael Monastra is a financial advisor at Mass Mutual Investors Services with 36 years of industry experience. He holds the ChFC® designation and Series 63 license. His prior experience includes over three decades at Metlife Securities Inc. and a concurrent role at MassMutual Life Insurance Company. He is also involved in individual life, property/casualty, health, and group insurance sales outside of his advisory work. 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 provides financial planning, asset management, and educational seminars, with planning engagements structured as annual, collaborative processes using firm-approved tools to analyze client goals.

Lora Baldini is a financial advisor with RBC Capital Markets, holding a Series 66 designation and 20 years of industry experience. She has been with RBC Capital Markets since 2013. Outside of her advisory role, she is the owner of Infinity Leasing, LLC, a residential rental property business. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services tailored to clients’ risk profiles.

Andrew Del Beato is a financial advisor with Mass Mutual Investors Services, holding the CFP® and ChFC® designations, and has 27 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and Massachusetts Mutual Life Insurance Company since 2016, following positions at MetLife Securities Inc. and CREATIVE Financial Group. He also operates an independent advisory business and works as a life and health insurance agent. MassMutual Investors Services 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, asset management, and educational seminars, using collaborative, software-supported planning processes focused on goals-based recommendations.

Susan Sechter is a financial advisor at RBC Capital Markets with eight years of industry experience. Her prior roles include positions at Breakwater Accounting & Advisory Group, Mattern, and Black Slaughter & Black PA. She serves as a volunteer council member on the Heathergreen Commons Homeowners' Association board. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves individual investors, institutional clients, and charitable organizations by offering a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services. The firm customizes investment strategies based on each client’s Advisory Risk Profile and utilizes a combination of internal and third-party managers alongside integrated capital markets capabilities.

Paul Lu is a financial advisor with Wells Fargo Clearing in Newark, DE, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he manages power of attorney responsibilities for family members’ investment accounts. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm employs a research-driven approach that incorporates diversification principles and modern portfolio theory while offering a broad range of brokerage and advisory solutions.

Justin Branam is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. He has been with Wells Fargo Clearing since 2016 and has also worked with Wells Fargo Bank NA since 2013. 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 delivers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Judith Cassidy is a financial advisor at Mass Mutual Investors Services with 36 years of industry experience. She holds a Series 63 designation and has been with Mass Mutual Investors Services since 2017. In addition to her advisory role, she operates an outside insurance business focusing on individual and group life, health, and long-term care insurance. 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, and charitable organizations. The firm offers ongoing planning engagements supported by firm-approved analytical tools and various investment and educational programs.

Terence Mcnichol is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and 26 years of industry experience. He has worked at Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2019, and previously at FSC Securities Corp. from 2015 to 2019. In addition to his advisory role, he is also an independent insurance agent. Cambridge Investment Research Advisors, Inc. serves individual and institutional clients, including pension and charitable organizations, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and offers both discretionary and non-discretionary management across multiple platforms, with proprietary model strategies and access to third-party advisers.

Richard Gostkowski is a CFP® and holds a Series 66 license, serving as a financial advisor at Edward Jones in West Chester, PA, with 13 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 advisors, offering a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products under a fiduciary standard.

Peter Vanderkley is a financial advisor with LPL Financial in Newark, DE, holding a Series 66 designation and 25 years of industry experience. He has been with LPL Financial since 2010, following prior roles at Morgan Stanley and its affiliated entities from 2001 to 2010. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with a variety of strategic and tactical investment options supported by technology tools.