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 24 years of industry experience. He holds the Series 66 designation and has previously worked at PNC Investments LLC, PNC Wealth Management, and J.J.B. Hilliard, W.L. Lyons, LLC. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional and pension plans, and charitable organizations, and offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

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® certificant with 21 years of industry experience, currently affiliated with Cetera. His prior roles include positions at Cuso Financial Services, Lp, Citadel Federal Credit Union, and Vanguard Advisers. He serves as a board member for the CPWA Commission / Investments & Wealth Institute, participating in quarterly meetings related to the CPWA designation. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a nationwide network of independent advisors, serving individual, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and retirement services through a multi-manager platform featuring both affiliated and third-party managers.

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 Series 66-licensed financial advisor with nine years of industry experience. He currently works at J.P. Morgan Securities and has held prior roles at Merrill, Bank of America, and Deloitte & Touche. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screens and qualitative research to build model asset allocations, incorporating ESG eligibility frameworks and leveraging its broader derivatives and commodities capabilities.

Anthony Stowman is a financial advisor at Fidelity with Series 63 and Series 65 credentials and 28 years of industry experience. His prior roles include positions at Morgan Stanley, E*Trade Securities, Empower Advisory Group, and Empower Financial Services. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, offering discretionary and non-discretionary services as well as model portfolios through systematic methodologies.

George Castle is a financial advisor with Cetera, holding the ChFC® designation and Series 63 and 65 licenses, with 43 years of industry experience. He previously worked at VOYA Financial Advisors and operates as an independent insurance agent. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, retirement plan, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to multiple investment platforms and third-party managers.

Joseph Naselli Sr. is a financial advisor at Mass Mutual Investors Services with 24 years of industry experience. He holds the ChFC® and Series 63 designations and previously worked at MetLife Securities Inc. He is co-owner of Newsquare Capital LLC, an independent investment advisory business, and is also an agent in individual life and health insurance. 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, estates, charitable organizations, and employers. The firm offers a range of programs including wrap and money-manager solutions, along with educational seminars.

Anthony Pietruszka is a financial advisor at LPL Financial in Wilmington, DE, holding a Series 66 designation with three years of industry experience. His prior work includes roles in education with Gloucester County Public Schools and Haddon Township School District/Liberty University. 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 broad range of advisory and brokerage services, including financial planning and access to model portfolios and institutional platforms.

Samuel Mitcho is a financial advisor at Merrill Lynch Wealth Management. He specializes in creating wealth management strategies that help clients build confidence in their retirement plans. Samuel places emphasis on competence, trust, and strategic planning in his practice. He earned a Bachelor's degree in Business Management from Chestnut Hill College, where he was also a dual-sport athlete participating in soccer and golf. Samuel holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional duties, Samuel enjoys activities such as chess, fishing, football, golfing, soccer, spending time with his family, and yoga. His approach centers on helping clients identify their priorities to develop tailored financial strategies aligned with their goals.

William Heath is a financial advisor with MassMutual Investors Services holding the ChFC® designation and Series 66 license. He has six years of industry experience, including roles at The Citadel and Water's Edge prior to joining MassMutual. Outside of his advisory work, Heath is involved in several business ventures including property management and real estate partnerships, as well as ownership in a family food distribution company. MassMutual Investors Services, a subsidiary of MassMutual, serves individual clients, business owners, trusts, and charitable organizations by providing financial planning, asset management, and educational seminars. The firm uses collaborative, software-driven planning processes and offers various investment and insurance solutions tailored to client needs.

Scot Armstrong is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 25 years of experience serving high-net-worth individuals and families. As a co-founder of his advisory team, he is involved in overall investment strategy and the selection of alternative investments. Scot focuses on client relationships that often span multiple generations, with expertise in areas including executive compensation, family wealth management strategies, liquidity management, retirement planning, philanthropic planning, portfolio management, tax minimization, and retirement income. Scot holds a high school diploma from Salesianum High School (1986) and studied Criminal Justice at the University of Delaware. He is a Personal Investment Advisor (PIA). He resides in Hockessin, Delaware, with his wife, Kristin, and their four children. Outside of his professional duties, Scot is an avid cyclist who has competed in numerous events and enjoys spending quality time with his family at South Bethany Beach. He is actively involved in his community, serving on the Board of the Central YMCA in Wilmington and chairing the Central YMCA Spinathon fundraiser.

Louis Inglese is a financial advisor at LPL Financial with 31 years of industry experience. He holds the Series 63 and Series 65 licenses and has worked previously at Invest Financial Corporation and First Montauk Securities Corp. alongside his current role. Inglese is involved with Liberty Planning Group, an investment-related business affiliated with LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisory and brokerage services through a large network of investment adviser representatives.