Robert Guarino is a financial advisor with Cetera, holding a Series 66 designation and one year of industry experience. He has worked at various entities within the Cetera network since 2024 and is also the owner of SaproTerra Distributors, LLC, where he partners to place products with retail outlets. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes both affiliated and third-party managers.

Gregory Slonaker is a Financial Advisor at Merrill Lynch Wealth Management, a role he assumed in 2022 after serving as a Financial Advisor at Northwestern Mutual Life Insurance Company. He has extensive experience in institutional investment management and wealth management, focusing on delivering detailed planning and investment management to help clients achieve clarity and confidence in their financial lives. Gregory holds a Bachelor of Arts in Engineering from Lafayette College and a Master of Business Administration from Carnegie Mellon University. He has earned professional designations including Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Income Certified Professional (RICP). His approach emphasizes simplifying financial complexity and empowering clients through ongoing education, proactive planning, and responsive service. Outside of his professional responsibilities, Gregory is actively involved in community service. He serves on the Board of Directors for The Board of Pensions of the Presbyterian Church (U.S.A.) and participates in The First Presbyterian Church of Dutch Neck. His personal interests include golfing, playing pickleball, reading, and spending time with his family.

Katy Cleary is a financial advisor at LPL Financial with 14 years of industry experience. She holds Series 63 and Series 66 credentials and has worked with M&T Securities and M&T Bank since 2012. Outside of her advisory role, she is a distributor for Young Living Essential Oils. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory and brokerage services, including financial planning, advisory programs, and retirement plan consulting, supported by research and model portfolios.

Thomas Kimmerle is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and has worked at Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by advanced modeling tools.

Kristen Jones is a financial advisor at OSAIC with four years of industry experience. She holds a Series 66 designation and has previously worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. before joining OSAIC Wealth Inc. in 2025. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and third-party platforms to manage portfolios with a variety of investments on both discretionary and non-discretionary bases.

Michael Johnson is a financial advisor at OSAIC with 39 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Lindenberg Financial Services, Woodbury Financial Services, and Questar Asset Management. Outside of advisory roles, he is president and owner of Peninsula Financial Group, a tax preparation and planning business. OSAIC serves a diverse client base including individual and institutional investors, offering integrated brokerage and advisory services with a range of investment options and third-party manager access. The firm employs asset-allocation tools and supports both discretionary and non-discretionary account management.

Cody Smith is a CFP® professional with five years of industry experience, currently serving as a financial advisor at Edward Jones since 2020. His prior work includes roles at Nalu Surf Bar and Rusty Rudder, as well as positions within the Cape Henlopen School District and the University of Delaware. Outside of his advisory role, he is involved in managing short-term rental properties in Rehoboth Beach, Delaware. Edward Jones is a full-service wealth management firm serving over four million clients, including individuals and institutions, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, investment solutions, and affiliated financial services through a nationwide network of over 23,000 advisors and more than 15,000 branch offices.

Bradford Donovan is a Senior Financial Advisor at Merrill Lynch Wealth Management. He works with executives, families, and business owners to implement wealth management strategies tailored to their financial goals across various life stages, including retirement and wealth transfer. Bradford employs a consultative approach alongside the Merrill Goals-Based Wealth Management process to develop personalized financial plans that reflect each client’s unique objectives and risk tolerance. With over 25 years of business experience, including more than a decade as a business owner, Bradford brings practical insight into the financial and time demands faced by business owners. This background enables him to integrate business performance considerations and commercial banking resources into comprehensive personal wealth plans. His client services include divorce transition planning, education planning, executive compensation, family wealth management strategies, liquidity management, and tax minimization, among others. Bradford holds a Bachelor of Science in Business and Economics with a double major in Accounting and Finance from Lehigh University. He earned his MBA with concentrations in Finance and Marketing from the Kellogg School of Management at Northwestern University. In addition, he has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional work, Bradford’s personal interests include biking, cooking, football, reading, running, spending time with his family, and traveling.

Mark Engberg is a CFP® professional with 26 years of industry experience. He has been with Charles Schwab since 2018 and previously worked at Cetera Advisors LLC for five years. He volunteers with Easter Seals of Delaware and Maryland's Eastern Shore, assisting with fundraising and program development. Charles Schwab serves a large client base primarily composed 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 offers both non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and a centralized operational structure.

David Draper is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He previously worked at Waddell & Reed, Inc. for nine years and served in a leadership role at the Lewes Crossing Property Owners Association. In addition to his advisory work, Draper is involved in non-variable insurance activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of advisory programs, financial planning, and retirement plan consulting, employing both discretionary and non-discretionary management with access to model portfolios, third-party research, and various investment strategies.

Conor Murphy is a financial advisor at Morgan Stanley with a Series 66 designation and less than one year of industry experience. His prior roles include positions at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, and North Highland consulting. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct individual plans and Corporate Financial Planning agreements.

C Tingle is a financial advisor with Morgan Stanley possessing 31 years of industry experience. Their tenure at Morgan Stanley and its affiliates began in 2007 and continues to the present. Outside of advising, C Tingle manages an ocean-view rental property in Delaware. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, employing structured financial planning tools and offering services through Financial Advisors and the Estate Planning Strategies Group.

Jeffrey Tidwell is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been serving clients as a financial advisor since 2013 and joined Merrill Lynch Wealth Management in 2022. Jeffrey works with families and business owners to assist them in making educated financial decisions by evaluating each client's financial situation and offering tailored recommendations for asset allocation aligned with their risk tolerance, goals, and objectives. He holds a Bachelor's Degree from the University of Mary Washington and has earned the Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA) designations. Outside of his professional work, Jeffrey is an avid sports fan who enjoys attending his children's events and playing golf. He is also active in youth sports organizations and contributes to his local community.

Kyle Ricker is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining in 2012, he has focused on helping families make informed financial decisions through a disciplined and goals-based wealth management process. Kyle works with clients on family wealth management strategies, personal retirement planning, portfolio management services, tax minimization, and retirement income to build and preserve wealth for current and future generations. As a CERTIFIED FINANCIAL PLANNER (CFP®), Accredited Estate Planner (AEP), and Personal Investment Advisor (PIA), Kyle takes time to understand each client's financial situation and concerns. He offers recommendations for asset allocations aligned with client risk tolerance, goals, and objectives. Discussions often extend into estate planning services, investments, and tax minimization strategies, emphasizing the importance of managing both assets and liabilities to create successful client outcomes. Kyle holds a Bachelor's Degree from the University of Delaware and is fluent in English and German. He is involved in several professional organizations including the Beebe HealthCare Charitable Gift Planning Advisory Council, Bethany-Fenwick Area Chamber of Commerce, Clothing Our Kids, and the Southern Delaware Estate Planning Council. Outside of work, Kyle enjoys adventure sports, running, reading, and spending time with his wife and children on the beach. He and his family are active in community service, coaching youth sports and volunteering with organizations such as Clothing Our Kids and The American Cancer Society.

Megan Hocker is a financial advisor at Merrill with 10 years of industry experience and holds a Series 66 designation. She has worked at Merrill since 2015 and has been with Bank of America, N.A. since 2021. Merrill, along 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 and profit-sharing plans, corporations, and charitable organizations.

Mark Brennan is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 38 years of industry experience. He has been with Morgan Stanley since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools including Monte Carlo simulations to model financial outcomes.

Karynne Antol serves as a Wealth Management Advisor at Merrill Lynch Wealth Management. She provides a range of financial services including investment and portfolio management, tax minimization strategies, estate and wealth transfer planning, college education planning, retirement income planning, and advisory services tailored for corporate executives, small businesses, and non-profit organizations. The approach emphasizes guiding clients through both short-term and long-term financial needs with a disciplined, coordinated strategy aimed at helping clients preserve and grow their assets. The advisor draws on more than three decades of experience in the financial services industry and utilizes the resources of Merrill Lynch to address the unique circumstances of each client. Karynne’s educational background includes a bachelor's degree from San Diego State University, and she holds the Personal Investment Advisor (PIA) designation. She has been actively involved in community organizations such as the Foundation of La Jolla High School.