Heather Hubert is a financial advisor with Merrill and holds Series 63 and Series 66 licenses. She has 18 years of industry experience and has been with Merrill since 2015. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Lorraine Harrod is a financial advisor with LPL Financial in Lewes, Delaware, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. Her career includes roles at PNC Investments and PNC Bank from 2012 to 2025. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and institutions through a broad array of advisory and brokerage services, offering both proprietary and third-party investment strategies.

Joshua Hubler is a financial advisor at Morgan Stanley with two years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley since 2024. Outside of his advisory role, he is involved in agricultural operations through ownership of Quantico Creek Sod Farm. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm employs structured planning tools and a broad array of investment services while managing approximately $2.74 trillion in client assets.

Franklin Rayne III is a financial advisor at LPL Financial with nine years of industry experience. He holds Series 63, 65, and 66 licenses and has previously worked at M&T Securities, M&T Bank, First Allied Securities, and Valic Financial Advisors. In addition to his advisory role, he is a notary in Seaford, Delaware. 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 financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advice with a range of discretionary and non-discretionary investment strategies.

John Hough is a financial advisor with OSAIC, holding CFP® and Series 66 designations and bringing 25 years of industry experience. His prior experience includes thirteen years at American Portfolios Financial Services, Inc. and nine years at Guardian Life. He also co-owns a college aid planning service that assists with processing various financial aid forms. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a broad network of affiliated advisers. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios, offering both discretionary and non-discretionary account management alongside access to multiple advisory platforms and third-party services.

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 33 years of industry experience. He previously worked at PNC Wealth Management and PNC Investments LLC for a combined 24 years before joining LPL Financial in 2023. 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 and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by tools such as machine learning for operational and research purposes.

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.

Allen Dodson is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has worked with Primerica Financial Services since 1990 and has been associated with Primerica Advisors since 2020. Outside of his advisory role, he is a partner at Dodson Realty LLC, a business he has been involved with since 2001. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited number of separately managed account options. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating under a tiered wrap-fee structure.

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.

Jeffrey Carr is a financial advisor with Edward Jones, holding a Series 66 designation. He has approximately three years of industry experience, including roles at Edward Jones and Hammerhead's. Prior to his advisory career, he worked in various roles spanning several industries, including service positions at Slate Cafe and 2 Stones Pub. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Bonnie Sweeten is a Series 66 registered financial advisor with LPL Financial, bringing one year of industry experience. She has previously worked at Edward Jones for eight years and currently operates a small business, Sweetn Treats, which she has run since 2011. Additionally, she is a commissioned notary. 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 a range of financial planning and investment management services through a large network of advisors using varied strategies and technology tools.

Charles Anderson is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 licenses and having 54 years of industry experience. His prior work includes roles at Citigroup Global Markets and Legg Mason Wood Walker, Incorporated. He has been with UBS Financial Services since 2009. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, offering services such as principal trading, market-making, and proprietary research.

Dawson Barvinchack is a Financial Consultant at Fidelity Investments, where he has been serving since 2025. He has experience in various roles within the company, including Investment Consultant, Relationship Manager, Financial Representative, and High Net Worth Service Associate, reflecting a comprehensive background in client financial services. His professional focus involves assisting clients in aligning their investments with their personal goals, fostering financial confidence, and supporting the achievement of individual milestones. Throughout his tenure at Fidelity Investments, Dawson has worked collaboratively with clients to provide clear and relatable investment guidance. His progression through several roles within the company highlights his breadth of expertise in financial consulting and relationship management. In his personal time, Dawson enjoys activities such as baseball, spending time at the beach, cars, fitness, and music.

Norman Scherer is a financial advisor at OSAIC with 29 years of experience in the industry. He holds Series 63 and Series 65 licenses and has a long tenure at Fortis Investors, Inc. Additionally, he serves as Vice President of NAIFA Greater Washington and volunteers weekly with the Veterans of Foreign War (VFW) #7434. OSAIC serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services supported by advanced portfolio construction tools and multiple third-party platforms.

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.

Charmaine Davis is a financial advisor at Ameriprise with eight years of industry experience. She holds a Series 66 designation and previously worked at Citizens Securities Inc., Bank of America, Merrill, and BB&T. In addition to her advisory role, she is involved in independent insurance brokering and serves as an associate advisor with Guardian Advisors. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides clients with written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Charles Mitchell II is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he serves as a trustee for a personal trust in Millsboro, Delaware. 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 and financial planning services supported by structured processes and firm-approved tools.

Lauren Fritz Mariner is a Wealth Management Advisor and First Vice President at Merrill Lynch in the Rehoboth Beach, Delaware office. She also serves as a Senior Portfolio Advisor and holds the Certified Plan Fiduciary Advisor, Personal Investment Advisor, and Retirement Accredited Financial Advisor designations, in addition to being a Certified Divorce Financial Analyst®. Lauren joined Merrill Lynch Wealth Management in 2000 and provides fiduciary advisory services to defined contribution plans while assisting clients with long-term financial strategies including retirement, educational needs, liabilities management, and insurance. Lauren holds a Bachelor's degree from Salisbury State University with a major in Communications. Her practice emphasizes a disciplined approach featuring education and open communication, beginning with a full profile of clients' current situations, goals, risk tolerance, and timelines to provide structure before investment recommendations are made. She actively manages responsibilities such as transfers, titling, consolidation, tracking, reporting, and tax recordkeeping, striving to deliver customized service tailored to clients' needs and schedules. Lauren is involved in various professional and community organizations including Autism Delaware, the Greater Georgetown Chamber of Commerce, Sussex Academy of Arts and Sciences, and Wesley United Methodist Church. She has also contributed to the Miss America Scholarship Program as a local title holder, director, certified judge, coach, and host family for the Distinguished Young Women of Delaware program.