Andrew Ferrell is a financial advisor with Mass Mutual Investors Services in Newark, Delaware, holding a Series 66 designation and eight years of industry experience. He previously worked at Ameriprise Financial Services from 2016 to 2019 before joining MassMutual and its subsidiary MML Investors Services in 2019. MML Investors Services, LLC operates as 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, emphasizing annual collaborative relationships and event-driven planning programs.

Dana Lo Monaco is a CFP® certificant with eight years of industry experience, currently serving as a financial advisor at Charles Schwab in Wayne, PA. Her prior experience includes roles at Janney Montgomery Scott and The Vanguard Group. Charles Schwab & Co., Inc. serves a large client base of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a multi-asset investment guidance approach supported by Schwab Center for Financial Research due diligence.

Kevin Phelan is a financial advisor at Fidelity with 10 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at The Vanguard Group for seven years before joining Fidelity. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to a diverse client base, including retail and institutional investors. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios comprising mutual funds, ETFs, and ETPs, and it serves as an adviser to multiple registered investment companies and fund-of-funds.

Nicolas Rocha is a financial advisor with Vanguard Advisers, holding Series 65 and Series 66 credentials and six years of industry experience. His prior work includes roles at Wasmer, Schroeder & Company, Inc., Affiliated Distributors, and Randstad. Outside of advising, he has worked as a contract driver for Uber. Vanguard Advisers provides automated and human-supported investment advice for retail investors and employer-sponsored retirement plan participants. The firm uses a goal-based, algorithm-driven approach and offers portfolios constructed mainly from Vanguard funds and ETFs, with various tax-aware and customization features.

Melissa Ray is a Financial Consultant at Fidelity Investments, where she collaborates with clients to develop personalized financial plans aimed at helping them achieve their goals with clarity and confidence. She focuses on translating complex financial decisions into actionable strategies that align with clients' priorities. Melissa has been with Fidelity Investments since 2019, progressing through roles including Client Experience Associate, Financial Representative, Relationship Manager, and Planning Consultant before her current position. This experience has provided her with a comprehensive understanding of financial services and client relationship management. Outside of her professional work, Melissa has interests in cooking and baking, music, outdoor adventures, parenthood, reading, and running.

Matthew Logan is a financial advisor at Raymond James Financial with two years of industry experience. He holds a Series 66 designation and previously worked at JPMorgan Chase & Co. from 2021 to 2024. Logan served in the United States Navy from 2019 to 2021. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

David Walker is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and two years of industry experience. He previously worked at Compass Ion Advisors and spent over a decade at Willowdale Chapel. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers comprehensive advisory and brokerage services with a variety of investment strategies and operational support tools.

Eric Gustafson is a financial advisor with Morgan Stanley in Greenville, Delaware, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been associated with Morgan Stanley Smith Barney since 2009 and currently works at Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning emphasizes structured discovery and utilizes approved planning tools, offering a range of retail and institutional products and services.

Robert Fitzmaurice Jr. is a CFP®-certified financial advisor with 38 years of industry experience. He is currently with Mass Mutual Investors Services in Radnor, PA, where he has worked since 1989. His prior experience includes a one-year tenure at First Financial Advisers, LLC. Outside of his advisory role, he is involved in life and health insurance sales. Mass Mutual Investors Services 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 planning engagements supported by firm-approved analytical tools.

William Rapine is a financial advisor at Wells Fargo Clearing with four years of industry experience. He holds Series 63 and Series 66 licenses. His prior experience includes roles at Morgan Stanley and The Vanguard Group, Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a range of investment advisory, financial planning, and retirement plan consulting services. The firm utilizes research and analytics to guide investment decisions and offers both brokerage and advisory solutions.

James Mcdermott is a financial advisor at Edelman Financial Engines with a Series 65 designation. He has been with Edelman Financial Engines since 2025 and previously worked in the mortgage industry at NVR Mortgage, Freedom Mortgage, and DITECH GREEN TREE. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub‑advisory services, and supports a large participant base through both advisor-led and online platforms.

Stephen Weigner is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has four years of industry experience, including roles at MassMutual Life Insurance and Presidio, Inc. Outside of his advisory work, he is the owner of Mythic Audio, LLC, an audio and electronics business. Mass Mutual Investors Services 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 programs with a focus on collaborative, goal-based planning.

Kelly Mc Carthy is a financial advisor at LPL Financial with a Series 66 designation and one year of industry experience. Prior to joining LPL, Mc Carthy held roles at BestVest Investments, Ltd. and Reliance Standard, and has experience in educational settings including Yale University. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a variety of investment programs and utilizes advanced operational tools to support its broad platform.

Charles Allen is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds the Series 63, Series 65, and Series 66 credentials and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Allen serves on the executive boards of both the Southern New Jersey Council and the Garden State Council of the Boy Scouts of America. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools, serving clients through a combination of advisory and brokerage services.

David Rodgers is a CFP® certificant with 18 years of industry experience, currently advising through LPL Financial since 2023. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Morgan Stanley & Co. LLC. Additionally, he is involved with Concord Wealth Advisors, LLC, a business entity used for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning, model portfolios, third-party asset management, and retirement advice, supported by a broad platform of proprietary and third-party investment options.

Scott Warshaw is a financial advisor with Mass Mutual Investors Services in Radnor, PA, holding the ChFC® designation and Series 63 and 65 licenses. He has 25 years of industry experience, including over 21 years with MML Investors Services, Inc. and MassMutual Life Insurance Company. Outside of advising, Warshaw also works as a sales agent specializing in dental, health, life, and disability insurance for individuals and groups. MML Investors Services, LLC is a subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements supported by analytical tools, with optional implementation through brokerage or insurance arrangements.

Marcia Upton is a Planning Consultant who collaborates with clients to develop personalized financial plans that align with their individual goals and needs. She emphasizes the importance of financial success as encompassing peace of mind, not just numerical achievements. Prior to her current role, Marcia worked as an Investment Consultant at Fidelity Investments from 2023 to 2025. She also served as a Financial Advisor at Thrivent from 2019 to 2023. Outside of her professional work, Marcia enjoys reading, playing tennis, and volunteering.

Christopher John Hickey is a Senior Financial Advisor at Merrill Lynch Wealth Management with a career in the financial services industry beginning in 1995. He has held various leadership positions within the Wealth Management Division, including Investment Center Manager, Assistant Market Director, and Market Director across the New Jersey, Pennsylvania, and Delaware markets. Mr. Hickey employs a disciplined wealth management process, integrating clients' financial and personal circumstances to develop tailored investment strategies and recommendations. Utilizing Merrill Lynch's investment insights alongside Bank of America's banking services, he aims to provide comprehensive and integrated financial solutions. He regularly conducts financial reviews with clients to monitor progress and adjust strategies as needed in response to changes in clients' lives or financial markets. He holds the Chartered Retirement Planning Counselor™ designation awarded by the College for Financial Planning Institutes Corp., along with Series 7, 9, 10, 24, 63, and 65 registrations from FINRA. Additionally, he is licensed in Life, Health, and Long-Term Care insurance. Mr. Hickey earned a Bachelor of Science in Business Administration from Villanova University and a High School Diploma from Chaminade High School. Mr. Hickey resides in Wilmington, Delaware with his wife Amy and their four children. In his personal time, he often engages in golfing.

David Sauers is a CFP® professional with 32 years of industry experience, currently affiliated with OSAIC since 2025. His prior work includes nine years at Lincoln Financial Advisors, seven years with Mass Mutual Investors Services, and four years at Hornor, Townsend & Kent, LLC. Outside of his primary advisory role, he is also involved in offering disability insurance, fixed annuities, equity indexed annuities, and traditional life insurance. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing a range of investment platforms, third-party money managers, and automated portfolio construction tools.

James Ranieri II is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 32 years of industry experience. His career includes roles at Metlife Securities Inc., NewSquare Capital, LLC, and New England Securities. In addition to his advisory work, he is an insurance agent specializing in individual and group life and health insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, and charitable organizations. The firm offers financial planning, asset management, and educational programs, focusing on collaborative, goal-based planning without discretionary investment authority.