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.

Stephen Graham is a financial advisor with Mass Mutual Investors Services in Newark, DE, holding Series 63 and Series 65 licenses and 18 years of industry experience. His prior roles include a decade at Metlife Securities, Inc. Outside of his advisory work, he serves as Director of Basketball for Saint Thomas CYO, coordinating youth basketball activities for 15-20 teams. Mass Mutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm emphasizes collaborative, annual financial planning engagements and offers a range of programs including estate and employer-sponsored planning.

John Gabros is a Series 66-licensed financial advisor with nine years of industry experience. He currently works at J.P. Morgan Securities and has held prior roles at Merrill, Bank of America, and Deloitte & Touche. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screens and qualitative research to build model asset allocations, incorporating ESG eligibility frameworks and leveraging its broader derivatives and commodities capabilities.

George Castle is a financial advisor with Cetera, holding the ChFC® designation and Series 63 and 65 licenses, with 43 years of industry experience. He previously worked at VOYA Financial Advisors and operates as an independent insurance agent. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, retirement plan, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to multiple investment platforms and third-party managers.

Joseph Naselli Sr. is a financial advisor at Mass Mutual Investors Services with 24 years of industry experience. He holds the ChFC® and Series 63 designations and previously worked at MetLife Securities Inc. He is co-owner of Newsquare Capital LLC, an independent investment advisory business, and is also an agent in individual life and health insurance. Mass Mutual Investors Services, LLC 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 a range of programs including wrap and money-manager solutions, along with educational seminars.

Anthony Pietruszka is a financial advisor at LPL Financial in Wilmington, DE, holding a Series 66 designation with three years of industry experience. His prior work includes roles in education with Gloucester County Public Schools and Haddon Township School District/Liberty University. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a broad range of advisory and brokerage services, including financial planning and access to model portfolios and institutional platforms.

Samuel Mitcho is a financial advisor at Merrill Lynch Wealth Management. He specializes in creating wealth management strategies that help clients build confidence in their retirement plans. Samuel places emphasis on competence, trust, and strategic planning in his practice. He earned a Bachelor's degree in Business Management from Chestnut Hill College, where he was also a dual-sport athlete participating in soccer and golf. Samuel holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional duties, Samuel enjoys activities such as chess, fishing, football, golfing, soccer, spending time with his family, and yoga. His approach centers on helping clients identify their priorities to develop tailored financial strategies aligned with their goals.

William Heath is a financial advisor with MassMutual Investors Services holding the ChFC® designation and Series 66 license. He has six years of industry experience, including roles at The Citadel and Water's Edge prior to joining MassMutual. Outside of his advisory work, Heath is involved in several business ventures including property management and real estate partnerships, as well as ownership in a family food distribution company. MassMutual Investors Services, a subsidiary of MassMutual, serves individual clients, business owners, trusts, and charitable organizations by providing financial planning, asset management, and educational seminars. The firm uses collaborative, software-driven planning processes and offers various investment and insurance solutions tailored to client needs.

Scot Armstrong is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 25 years of experience serving high-net-worth individuals and families. As a co-founder of his advisory team, he is involved in overall investment strategy and the selection of alternative investments. Scot focuses on client relationships that often span multiple generations, with expertise in areas including executive compensation, family wealth management strategies, liquidity management, retirement planning, philanthropic planning, portfolio management, tax minimization, and retirement income. Scot holds a high school diploma from Salesianum High School (1986) and studied Criminal Justice at the University of Delaware. He is a Personal Investment Advisor (PIA). He resides in Hockessin, Delaware, with his wife, Kristin, and their four children. Outside of his professional duties, Scot is an avid cyclist who has competed in numerous events and enjoys spending quality time with his family at South Bethany Beach. He is actively involved in his community, serving on the Board of the Central YMCA in Wilmington and chairing the Central YMCA Spinathon fundraiser.

Louis Inglese is a financial advisor at LPL Financial with 31 years of industry experience. He holds the Series 63 and Series 65 licenses and has worked previously at Invest Financial Corporation and First Montauk Securities Corp. alongside his current role. Inglese is involved with Liberty Planning Group, an investment-related business affiliated with LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisory and brokerage services through a large network of investment adviser representatives.

Marc Virga is a financial advisor with MassMutual Investors Services, holding a ChFC® designation and Series 63 and 66 licenses. He has 20 years of industry experience, including roles at New England Securities and NewSquare Capital, LLC. Outside of his advisory work, he serves as the committee chair for Filitalia International, an organization dedicated to preserving Italian language and culture. MassMutual Investors Services 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. The firm emphasizes collaborative annual planning engagements supported by proprietary software and educational seminars.

Andrew Jones is a financial advisor with Morgan Stanley, holding a Series 66 designation and five years of industry experience. His career includes multiple roles within Morgan Stanley entities since 2017, as well as a brief tenure at Assured Guaranty in 2018. He also has experience working at Bryant University from 2015 to 2020. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, emphasizing tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services through direct engagements and corporate financial planning agreements.

Julie Grasso is a Series 66-licensed financial advisor with Merrill in Wilmington, DE, where she has worked since 2010. She has 14 years of industry experience. Merrill, along 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.

Julia Tremblay is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. She has been with the firm since 2025 and previously worked at Northwestern Mutual. Prior to her financial career, she was involved with White Farms Ice Cream and Lady Black Tie. 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 offers financial planning, asset management, and educational seminars, focusing on collaborative, goal-based planning using firm-approved analytical tools.

Adam Douglas is a financial advisor with Mass Mutual Investors Services in Newtown Square, PA, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 17 years of industry experience, including prior roles at Metlife Securities Inc. and New England Securities. In addition to his advisory work, he is licensed as an insurance agent selling individual life insurance. Mass Mutual 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 ongoing financial planning and asset management through collaborative client relationships using firm-approved analytical tools.

Richard Fitzpatrick is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds the Series 66 designation and has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Fitzpatrick is based in Greenville, DE. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm uses a structured planning process supported by proprietary tools and emphasizes advisory services without individual security recommendations in standalone plans.

Jennifer Galvin is a financial advisor at Wells Fargo Advisors with 10 years of industry experience. She holds the Series 66 designation and has previously worked at RBC Capital Markets and Merrill. 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 options tailored to clients who meet certain net-worth criteria, using proprietary research and tools to develop personalized recommendations.

Michael Mele Jr. is a financial advisor with Wells Fargo Clearing and holds a Series 63 designation. He has 39 years of industry experience, including a long tenure at Municipal Bond Investors, Inc. since 1983. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Anthony Santisi Jr. is a ChFC® credentialed financial advisor with over 31 years of industry experience. He is currently with Mass Mutual Investors Services, where he has worked since 2017, and previously spent 20 years at New England Securities. Outside of his advisory role, he is also a licensed agent for individual and group insurance products. 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 programs using collaborative, goal-oriented approaches without discretionary authority over client assets.

Nicci McCann is Vice President and Executive Planning Consultant at Fidelity Investments, a role she has held since 2021. In this capacity, she focuses on creating wealth strategies for clients with an emphasis on incorporating workplace benefits to help them pursue their financial goals. She adopts a consultative approach to build trust and support her clients with personalized and understandable plans. Prior to joining Fidelity Investments, Nicci McCann held several positions at Vanguard, including Senior Advice Strategist from 2019 to 2021, Defined Contribution Relationship Manager from 2017 to 2019, and Senior Wealth Manager from 2015 to 2017. She holds a California Insurance License. Outside of her professional work, Nicci McCann enjoys attending concerts, participating in family activities, fitness, and traveling.