Catherine Link is a financial advisor at Fidelity with three years of industry experience and holds a Series 66 designation. Her prior experience includes a role as an instructor teaching ice skating lessons at PNY Sports Arena. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a diverse client base, utilizing a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction across various investment products.

Matthew Nabhan is a financial advisor at Morgan Stanley with seven years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2019. Prior to that, he worked at B Lab Company for five years. He serves on the investment committee of The Tatnall School Inc., a nonprofit organization in Wilmington, Delaware. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individuals and institutions with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and investment analyses.

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 advising at Wells Fargo Advisors since 2024. Her prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC from 2009 to 2024. She serves in leadership and board roles for several private charitable foundations and is a finance council member at St. Ann’s Church in Wilmington, DE. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutions, offering a broad range of planning solutions that include niche services such as business-owner transition and special-needs planning. The firm combines advisory services with other financial products and referral channels to serve its clients.

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 at RBC Capital Markets with 42 years of industry experience. He holds Series 63 and Series 66 designations and has been with RBC Capital Markets since 2008. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services tailored to each client's risk profile.

Joseph Syernick III is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 65 licenses. He has 33 years of industry experience, including positions at MetLife Securities Inc. and New England Securities. In addition to his advisory work, he operates an outside insurance business focusing on individual and group life, health, and long-term care insurance and is a referral source for employee retention credit services. 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 offers financial planning, asset management, and educational seminars, using firm-approved tools to develop client-specific recommendations without investment discretion.

Robert Stephens III is a financial advisor with Primerica Advisors in Newark, DE, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Primerica Advisors since 1994 and with Primerica Financial Services since 1992. Outside of advisory work, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and discretionary separately managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and employs a wrap-fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

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 14 years of industry experience. He previously worked at Janney Montgomery Scott for eight years before joining Morgan Stanley in 2021. Wren holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs for individuals and institutional clients, including financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and research in its financial planning process.

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 seven years of industry experience. She previously worked at Breakwater Accounting & Advisory Group, Mattern, and Black Slaughter & Black PA. She serves as a non-compensated council member of the Heathergreen Commons Homeowners' Association in Wilmington, Delaware. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a broad client base including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs with customized strategies implemented through a mix of in-house and third-party managers, notable for its integrated capital-markets capabilities and affiliated asset managers.

Paul Lu is a financial advisor with Wells Fargo Clearing in Greenville, DE, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Lu also acts as a power of attorney for family members’ investment accounts. 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 advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment offerings.

Justin Branam is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and having nine years of industry experience. He has been with Wells Fargo Clearing since 2016 and has worked at Wells Fargo Bank NA since 2013. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes both discretionary and non-discretionary services, with a broader investment menu that features insurance-related products and bank deposit sweep options.

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 credentials and 26 years of industry experience. He has worked at Cambridge Investment Research Advisors since 2019 and was previously with FSC Securities Corp. In addition to his advisory role, he operates as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving individuals, retirement plans, charitable organizations, and trusts through a network of independent Financial Professionals. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services, utilizing a variety of direct portfolio management and model-based solutions tailored to client objectives.

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.