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.

David L'erario is a financial advisor at Osaic Wealth, Inc. with 47 years of industry experience. He holds Series 63 and Series 65 designations and previously worked for Woodbury Financial Services, Inc. for 14 years before joining Osaic in 2024. Osaic Wealth, Inc. serves a broad client base, including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of integrated brokerage and advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and third-party money managers to construct diversified portfolios across various investment types.

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.

Amy Weinberger is a financial advisor at Osaic with 19 years of industry experience. She holds the Series 66 designation and has previously worked at Questar Capital Corporation and Woodbury Financial Services, Inc. Outside of her advisory role, she is president of Green Earth Financial Professionals, LLC, through which she offers fixed annuities, disability, health, life insurance, employee benefits, and long-term care products. She also partners with her husband in a family partnership to educate their children. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services with a range of investment options and utilizes asset-allocation tools, risk assessment, and automated rebalancing to manage portfolios.

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.

Eric Johnston is a CFP® with 32 years of experience and is currently affiliated with Cetera. He has worked with Cetera Advisors LLC since 2013 and owns Infocus Financial Advisors Inc. Outside of his advisory role, Johnston teaches classes on retirement planning, Social Security, and investments through the Delaware Financial Literacy Institute and serves on several nonprofit boards and committees focused on community leadership and fundraising. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers across various program structures.

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.

Karen Wearden is a financial advisor with LPL Financial, holding CFP® and ChFC® designations and the Series 66 license. She has 11 years of industry experience, including nine years at Edward Jones prior to joining LPL Financial in 2024. 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 range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a network of investment adviser representatives.

William Keetley III is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 licenses and possessing 23 years of industry experience. His work history includes roles at Fulton Bank, N.A., Raymond James Financial Services Advisors, Inc., and PNC Investments. 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, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm employs tailored, non-discretionary planning and consulting methods that utilize risk profiling and analytical modeling, supporting client implementation through various advisory programs while maintaining specialized municipal and public-finance services.

Jonathan Hodges is a financial advisor at Edward Jones with one year of industry experience. Before joining Edward Jones in 2025, he worked for the Naval Supply Systems Command and the Naval Sea Logistics Center from 2010 to 2025. He holds the Series 66 designation. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including a range of households, pension and profit-sharing plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a variety of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Kenneth Coan is a CFP® professional with 28 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. He previously worked at Prudential Equity Group, LLC from 1999 to 2003. Outside of his advisory role, he has minority ownership interests in several investment-related businesses in Rehoboth Beach, DE. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Kathleen Ryan is a Certified Financial Planner® with 29 years of industry experience. She is currently a financial advisor at Lindenberg Financial and OSAIC and has previously worked at Woodbury Financial Services, Questar Capital Corporation, and KMR Financial Network. Ryan also serves as treasurer of a condominium association. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers and offers integrated brokerage and advisory services, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs. The firm uses firm-provided asset-allocation tools and automated rebalancing to construct diversified portfolios across multiple asset classes with discretionary or non-discretionary management options.