James Gamuciello serves as a Senior Resident Director and Wealth Management Advisor at Merrill. In his role, he focuses on wealth planning and management, helping clients pursue personal financial goals including legacy planning, liquidity management, retirement income, and tax minimization. James holds a High School Diploma from Dover High School, a Bachelor's Degree from Hawaii Pacific University, and a Master of Business Administration in Finance from the University of Delaware. 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). In addition to his professional work, James participates in community activities such as Coastal Clean Up, Teach Kids to Save Day, and serves as a mentor at the University of Delaware. His personal interests include basketball, surfing, and traveling.

Gary Padussis is a financial advisor at Cetera with 40 years of industry experience. He holds a Series 63 designation and has worked with Cetera and its affiliates since 2013. Outside of his advisory role, he is involved as an FAA flight instructor, serves as a board member and treasurer for local organizations, and owns Coho Brewing Company. Cetera Investment Advisers LLC is an SEC-registered advisor supporting a large nationwide network of independent advisors. The firm serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a range of portfolio management and financial planning services, utilizing a multi-manager platform with both discretionary and non-discretionary program options.

Andrew Keck is a financial advisor with Morgan Stanley, holding a Series 66 designation and eight years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2018. Prior to joining Morgan Stanley, he held roles at the University of Delaware and MassMutual Greater Philadelphia. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that utilizes structured discovery conversations and firm‑approved tools.

Ronald Wetzel Jr. is a financial advisor at Morgan Stanley with 39 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 2001. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses a structured financial planning process supported by firm-approved tools and offers a broad range of investment and advisory services.

Joshua Coveleski is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and its Private Bank division since 2017 and 2018, respectively. Outside of his advisory role, Coveleski serves on the board of Coverdown Network, participates as a lacrosse referee, and is involved with several local professional and recreational organizations in Delaware. Morgan Stanley Wealth Management provides advisory and brokerage services to both individual and institutional clients, offering tailored financial planning using firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and offers a broad range of investment programs and planning strategies.

Hunter Harmon is a financial advisor at Morgan Stanley with nine years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its affiliated Private Bank since 2016 and 2017, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools.

Lorraine Harrod is a financial advisor with LPL Financial in Lewes, DE, holding Series 63 and Series 65 credentials and bringing 17 years of industry experience. Her prior positions include roles at PNC Investments and PNC Bank spanning from 2012 to 2025. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party subadvisors, and technology-enhanced investment strategies.

Joshua Hubler is a financial advisor at Morgan Stanley with one year of industry experience. He holds a Series 66 designation. Outside of his advisory role, he is involved in agricultural operations through Quantico Creek Sod Farm. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and emphasizes advisory services without individual security recommendations as part of standalone financial plans.

Daniel Klemkowski is a financial advisor at Edward Jones in Lewes, DE, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones in 2024, he worked at Sysco Eastern Maryland and Sysco Philadelphia for a total of eight years. 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 and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Justin Weible is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and with 18 years of industry experience. His prior work includes roles at Wells Fargo Clearing and The PNC Financial Services Group. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

Christopher Mukoda is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. Prior to joining LPL Financial in 2023, he worked at PNC Investments LLC from 2016 to 2023. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

William Jenne is a financial advisor at Wells Fargo Clearing with four years of industry experience. He holds a Series 66 designation and has worked at firms including Morgan Stanley, Thrivent Financial, and Computershare Corporate Trust. Outside of his advisory role, he officiates high school, club, and recreational sports in Lewes, Delaware. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s IPS-driven advisory process incorporates modern portfolio theory and offers both discretionary and non-discretionary services tailored to plan objectives, including a broader range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Derek Clifton is a financial advisor with Edward Jones in Lewes, Delaware, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has been with Edward Jones since 2004. Outside of his advisory role, Clifton serves as president of Reynolds Cemetery in Milton, Delaware. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment options. The firm manages approximately $1.01 trillion in assets and supports its services through a nationwide network of over 23,000 financial advisors and 15,000 branch offices.

Joseph Calandra is a CFP® with 33 years of industry experience, currently affiliated with LPL Financial. He has a long history in the financial services industry, including roles at Cadaret, Grant & Co., Inc., and operating Calandra Financial Services since 2007. He is also an accredited tax preparer. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, and institutions, through a national network of investment adviser representatives. The firm offers diverse advisory programs and financial planning services, utilizing both discretionary and non-discretionary management, supported by proprietary and third-party research.

Bonnie Sweeten is a financial advisor with LPL Financial, holding a Series 66 designation and beginning her advisory career in 2024. She previously worked at Edward Jones from 2016 to 2024. Outside of financial services, she owns and operates Sweetn Treats, a sole proprietorship established in 2011. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients including individuals, retirement plans, financial institutions, corporations, and charities. The firm provides financial planning, various advisory programs, retirement consulting, and brokerage services through a national network of investment adviser representatives.

Svetlana Kaploun is a financial advisor with OSAIC, holding a Series 66 designation and bringing eight years of industry experience. She previously worked at Securities America Advisors, Securities America Inc., and National Planning Corporation. Outside of financial advising, she has worked as a home health aide providing personal care services to elderly clients. OSAIC serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing to construct portfolios across various asset classes for discretionary or non-discretionary management.

Susan Stewart is a financial advisor with RBC Capital Markets, LLC, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. Her prior work includes roles at City National Bank, Bank of America, and Merrill. She serves on the Board of Trustees for Ursinus College and is a member of the City of Rehoboth Beach Planning Commission and Board of Commissioners. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored advisory programs with discretionary and non-discretionary portfolio management, utilizing both in-house and third-party investment managers.

Thomas Cush III is a financial advisor at Merrill with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 1992 and Bank of America, N.A. since 2009. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Sharon Lenzi is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo in various capacities since 2009. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory solutions. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

David Metz is a financial advisor with OSAIC, holding Series 63 and Series 66 credentials and over 30 years of industry experience. His prior roles include positions at Securities America, Inc., Securities America Advisors, LPL Financial, and National Planning Corporation. Outside of his advisory work, he is the owner of Native Cultures, a non-investment-related business. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers, offering brokerage, advisory services, financial planning, and access to third-party money managers. The firm uses various asset-allocation tools and supports both discretionary and non-discretionary portfolio management, providing integrated solutions for individual and institutional investors.