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®-designated financial advisor with 33 years of industry experience. He is currently with LPL Financial and has previous experience at Calandra Financial Services and Cadaret, Grant & Co., Inc. In addition to his advisory work, he is an accredited tax preparer. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions with a broad range of advisory and brokerage services.

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.

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.

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.

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.

Gerard Simonelli is a CFP®-credentialed financial advisor with 40 years of industry experience, currently with Ameriprise Financial Services, LLC since 2013. His prior roles include positions at American Investment Planners LLC and Cadaret, Grant & Co., Inc. He is also involved in business management through Simon & Elli LLC and serves as a managing partner focusing on practice branding and development. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides tailored retirement income planning and written recommendations supported by proprietary research and third-party data.

David Crouse is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. His prior roles include two decades at PNC Investments and two years at J.J.B. Hilliard, W.L. Lyons, LLC. 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, third-party asset management, and institutional platforms.

Teresa Draughon is a financial advisor at Morgan Stanley with 18 years of experience at the firm and holds a Series 66 designation. She is based in Rehoboth Beach, Delaware. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by firm-approved tools and models, managing approximately $2.74 trillion in client assets.

Peter Shelp is a CFP® and ChFC® with 38 years of industry experience. He is currently with Ameriprise Financial Services LLC and previously worked at Janney Montgomery Scott for 28 years. He is co-owner of Premier Planning Wealth Advisors and serves as treasurer on the board of Lewes Crossings HOA. Ameriprise provides retirement-income planning services focused on clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, written recommendations through a centralized consulting team.

Andrew Brown is a financial advisor with Charles Schwab in Rehoboth Beach, DE, holding a Series 66 designation and two years of industry experience. His prior work includes positions outside finance, such as roles in retail and education. Charles Schwab serves a large client base primarily consisting 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's approach combines non-discretionary advisory relationships with access to discretionary separately managed accounts and uses multi-asset model portfolios supported by in-house research and a formal alternative investment program.

Christopher Vane is a financial advisor at Morgan Stanley with 32 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. He holds Series 63 and Series 65 designations and is based in Rehoboth Beach, Delaware. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both individual and employer-sponsored financial planning services.

Kellianne Papciak is a financial advisor with Merrill holding a Series 66 designation and three years of industry experience. She has worked at Merrill and Bank of America N.A. since 2022 and 2023, respectively. Papciak’s background includes a brief role at the Delaware Center for the Inland Bays and the Cape Henlopen School District in 2021. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Gary Richman is a financial advisor with Ameriprise in Rehoboth Beach, Delaware, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. His prior experience includes 12 years at LPL Financial and several years with Ameriprise Financial Advisors before joining Ameriprise. Outside of finance, he is involved in managing Bravos, Incorporated, which includes income from singing, and serves as President of the Koinonia Foundation board. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficient withdrawal strategies through a centralized consulting team. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Kent Guernsey is a financial advisor at Morgan Stanley with 40 years of industry experience. He has worked with Morgan Stanley since 2009 and has been associated with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he has been involved in the formation and oversight of a homeowners association in Webster, Florida. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning and leveraging firm-approved tools and methodologies to support client outcomes.

Darren Harmon is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds the Series 66 designation and has worked with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2013 and 2015, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a broad range of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools alongside investment modeling techniques to support its advisory services.

Christopher Argo is a financial advisor with Charles Schwab & Co., Inc. He holds Series 63 and 65 licenses and has five years of industry experience. His prior roles include work at Metz Capital Management LLC and various engagements outside finance such as volunteering with the Volunteer Income Tax Assistance (VITA) program and working in hospitality and brewery settings. He has also spent time traveling in Europe. Charles Schwab & Co., Inc. serves primarily 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 discretionary separately managed accounts and integrates multi-asset model portfolios, due diligence on alternative investments, and centralized operational support.