Daniel Molyneaux is a financial advisor with Ameriprise in Wilmington, DE, holding a Series 66 credential and 14 years of industry experience. His prior roles include nine years at Lincoln Investment Planning and two years at Ameriprise Financial Services, Inc. Outside of his advisory work, he serves on the boards of Contact Life Line and the Arthritis Foundation. Ameriprise Financial Services is a diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides retirement income planning advice through a written Recommendation Report and ongoing consultations, utilizing proprietary research and third-party data within a defined investment framework.

Harry Welch Jr. is a CFP® professional at Wells Fargo Advisors with 29 years of industry experience. He has been with Wells Fargo Advisors and its affiliated entities since 2009, including a decade at Wells Fargo Clearing. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning services, including niche areas such as business-owner transition and special-needs analysis, using Wells Fargo research and planning tools to develop tailored recommendations.

Nicholas Kayatta is a financial advisor at Ameriprise with a Series 66 designation and three years of industry experience. Prior to joining Ameriprise in 2021, he worked with Newark Parks and Recreation from 2016 to 2020. He is also involved in Point to Point LLC in an investment-related capacity. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement who meet specific asset criteria, providing tailored recommendation reports that incorporate research, modeling, and tax-efficient withdrawal strategies. The firm delivers its services through a centralized consulting team and combines algorithmic automation with professional oversight to support client planning.

David Carr is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 66 licenses and has 25 years of industry experience. He has worked with Mass Mutual Investors Services since 2017 and with Massachusetts Mutual Life Insurance Company since 2016. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management to individuals, business owners, trusts, estates, and charitable organizations. The firm offers collaborative financial planning using firm-approved software and delivers written recommendations focused on investment categories and strategies.

Carly Spica is a financial advisor with Morgan Stanley, holding a Series 66 designation and six years of industry experience. Her previous roles include positions at Bank of America, Merrill Lynch, Barnabys of America, and Widener University. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenarios to assist clients in developing financial plans.

Patrick Sullivan is a financial advisor with Ameriprise, holding a Series 66 designation and 23 years of industry experience. He has worked with Ameriprise and its affiliated entities since 2003. Sullivan serves on the board of directors for Delaware Care Plan, Inc., a nonprofit organization. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning through written recommendations and ongoing advice. The firm’s approach integrates investment research and third-party data within a defined investment universe and includes managed account assets for participation.

Grant Wetterau is a Series 66-licensed financial advisor at Merrill with four years of industry experience. He has worked at Bank of America and Merrill since 2021 and 2022, respectively. Wetterau’s work history also includes roles at Amazon.com and various other organizations prior to his financial advisory career. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Carina Watson is a financial advisor at Morgan Stanley with six years of industry experience. She holds a Series 66 designation and has previously worked at Johnson & Johnson and Noramco, Inc. Outside of her advisory role, she owns and operates a retail and online store business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and a structured discovery process.

Michael Caccavo is a financial advisor with Edward Jones, holding the CFP® and ChFC® designations and the Series 66 license. He has 10 years of industry experience and has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm provides a range of advisory programs and investment strategies, supported by a nationwide network of financial advisors and branch offices.

Luisa Rodriguez is a Planning Consultant at Fidelity, a role she has held since 2024. In this capacity, she collaborates with clients to develop personalized financial plans tailored to their unique goals and financial situations, guiding them through implementation to promote financial clarity and confidence. Prior to joining Fidelity, Luisa held several positions at The Vanguard Group, including PE Advice Services Manager from 2021 to 2024, Business Project Manager from 2020 to 2021, and Team Leader from 2017 to 2020. These roles reflect her extensive experience in financial planning and project management within the investment services industry. Outside of her professional work, Luisa enjoys outdoor activities such as beach visits, hiking, kayaking, and other adventures, as well as cooking, baking, and traveling.

Robert Mc Kernan Jr. is a financial advisor with MassMutual Investors Services holding a Series 66 designation and four years of industry experience. His prior work includes roles at Giant Inc., DoorDash, and Footlocker Inc. He has been with MassMutual Life Insurance Co. and MML Investors Services LLC since 2021. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, focusing on collaborative annual planning engagements that utilize firm-approved analytical tools to develop written financial recommendations.

Ian Spradling is a financial advisor at Raymond James & Associates with 24 years of industry experience. He holds the Series 66 designation and has previously worked at PNC Investments LLC, PNC Wealth Management, and J.J.B. Hilliard, W.L. Lyons, LLC. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional and pension plans, and charitable organizations, and offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Josh Williams is a Planning Consultant who collaborates with clients to develop financial plans aimed at achieving their financial goals. His role focuses on tailoring financial strategies to meet the specific needs of each client. Outside of his professional responsibilities, Josh has personal interests that include baseball, fitness, football, golf, and caring for pets.

Amy Mottola is a financial advisor at Morgan Stanley with two years of industry experience. She previously worked at Friess Associates for sixteen years before joining Morgan Stanley Smith Barney LLC. Amy holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers tailored financial planning and a wide range of advisory programs while managing approximately $2.74 trillion in client assets.

Eric Van Houten is a Financial Consultant at Fidelity Investments, where he has been serving since 2023. He has held multiple roles within Fidelity, including Planning Consultant from 2021 to 2023, Relationship Manager from 2020 to 2021, and Financial Representative from 2019 to 2020. His career progression within the company reflects his ongoing commitment to providing financial services and support to clients. Eric focuses on building partnerships with clients based on trust and communication, offering personalized financial guidance tailored to individual goals and needs. He leverages Fidelity's resources and services to help clients develop plans aimed at achieving their lifetime and legacy objectives. Outside of his professional role, Eric engages in family activities and pursues interests such as fitness, golf, photography, reading, and traveling.

Colin Law is a CFP® professional with 34 years of industry experience, currently serving at Mass Mutual Investors Services since 2017. He previously worked for MetLife Securities, Inc. for 15 years and has been affiliated with MassMutual Life Insurance Co. since 2016. Mass Mutual Investors Services operates as a subsidiary of MassMutual, offering financial planning and investment services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides a range of services including asset management, wrap and money-manager programs, and educational seminars.

Sebastian Ciotti is a financial advisor with Wells Fargo Advisors in Wilmington, DE, holding Series 63 and Series 65 licenses and having three years of industry experience. Prior to joining Wells Fargo Advisors in 2023, he worked at Sun East Federal Credit Union and College Fresh, among other positions. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services using proprietary research and tools, delivering tailored recommendations through meetings and written summaries, with optional implementation through various brokerage and advisory programs.

Clinton Smedley is a CFP® professional with 20 years of industry experience, currently affiliated with Cetera. His prior work includes 15 years at Cuso Financial Services and ongoing service at Citadel Federal Credit Union since 2009. He serves as a board member for the CPWA Commission / Investments & Wealth Institute, attending quarterly meetings related to the CPWA designation. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with access to affiliated and third-party managers across various investment program structures.

Kevin Ryan is a financial advisor with Raymond James & Associates in Greenville, DE, holding a Series 63 designation and 42 years of industry experience. He has been with Raymond James & Associates since 1989. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional entities, and charitable organizations, offering financial planning, investment consulting, and municipal advisory services.

Eric O'Neill is a CFP® professional with five years of industry experience, currently associated with Cetera. He has held roles at Diamond State Financial Group, Minnesota Life Insurance Company, and Securian Financial Services Inc. Outside of advisory, he works as an independent contractor in fixed insurance sales. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of advisors. The firm offers a variety of portfolio management and financial planning services, operating a multi-manager platform with access to affiliated and third-party investment strategies.