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 in Avondale, PA, holding a Series 66 designation and 22 years of industry experience. He has been with Ameriprise and its affiliated entities since 2003. Outside of his advisory role, he serves on the board of directors for Delaware Care Plan, Inc. and is involved with Ivy Mills Strategic Partners, LLC. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, providing written recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored, non-discretionary guidance through a centralized consulting team.

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.

James Flanagan is a financial advisor at Cetera with 26 years of industry experience and holds the CFP® and Series 66 designations. He previously worked at Avantax Advisory Services and 1st Global Advisors and is also the president of James Flanagan & Associates, CPAs. Flanagan serves on the board of directors for Eagles Fly for Leukemia, a charitable organization. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers various portfolio management and financial planning services, utilizing a multi-manager platform with discretionary and non-discretionary program options.

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 23 years of industry experience. He holds the Series 66 designation and previously worked at PNC Investments LLC for 11 years before joining Raymond James in 2019. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Juranir Moraes is a Planning Consultant at Fidelity Investments, where he has been serving since 2026. He focuses on building genuine, long-term relationships with clients as the foundation of their financial journeys. Juranir partners with clients to help them pursue their goals with confidence through clear communication and proactive guidance, aiming to earn and maintain their trust at every stage of life. Prior to his current role, Juranir worked as a Relationship Manager at Fidelity Investments from 2022 to 2026. Before that, he gained experience as a Financial Services Representative at PNC Bank from 2019 to 2022. Outside of his professional work, Juranir has interests in fitness, motorcycles, soccer, surfing, tennis, and traveling.

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.

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 financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds a Series 66 designation and has worked at Merrill, Bank of America, and Deloitte & Touche prior to joining J.P. Morgan in 2017. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors by providing investment consulting and advisory services through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.