Bradley Fine is a Series 65-licensed financial advisor with eight years of industry experience. He is the sole principal of Four Seasons Investment Management LLC and previously worked at Sandy Spring Bank/TRUST for 17 years. Four Seasons Investment Management is an independent, fee-only firm serving individual investors, trusts, endowments, and select business entities. The firm offers discretionary wrapped investment management, hourly advisory services, and educational seminars, managing portfolios under a fiduciary Prudent Investor Standard with a focus on globally diversified allocations and tax sensitivity.

Kevin Ohara is a CFP® professional with nine years of industry experience. He is the principal and sole advisor at O’H Capital LLC, which he joined in 2023 following a 16-year tenure at Truist Financial and a brief retirement. O’H Capital LLC provides discretionary asset management and investment advisory services to individuals, high net worth clients, trusts, small businesses, and estates. The firm creates personalized investment strategies based on client goals, time horizons, and risk tolerance, utilizing both fundamental and technical analysis.

Nicholas Shevland is a CFP® and CFA® credentialed advisor with 13 years of industry experience. He is the principal at Breakwater Wealth Management, an independent firm he joined in 2022 after working at DT Investment Partners, Janney Montgomery Scott, and Morgan Stanley. He is also licensed as an insurance agent, recommending insurance products in Millville, DE. Breakwater Wealth Management serves individual and high-net-worth clients by providing wealth management that integrates financial planning with discretionary and non-discretionary portfolio management. The firm emphasizes customized asset allocation primarily through exchange-traded funds and sponsors its own wrap fee program, managing nearly $40 million in client assets.

Michael Loftus is the principal of Loftus Wealth Strategies, an independent advisory firm, with 26 years of experience in the financial services industry. He holds Series 63 and Series 66 licenses and has previously worked at Cambridge Investment Research and United Planners' Financial Services of America. Outside of advising, he owns Loftus Coaching & Consulting, which provides consulting and marketing services to other financial advisors. Loftus Wealth Strategies is a fee-only registered investment adviser serving individual and high-net-worth clients. The firm employs a combination of passive and active investment strategies, providing discretionary portfolio management and financial planning tailored to client objectives and risk tolerances.

Glen Harding is the sole advisor at Harding's Wealth Managers, Inc. in Millsboro, DE, holding Series 63 and Series 65 licenses with 25 years of industry experience. He has led his independent firm since 2006. Harding is also active as an independent insurance agent, selling fixed and indexed annuities as well as various life and long-term care insurance products. Harding’s Wealth Managers, Inc. offers personalized investment management and financial planning services to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm provides both discretionary and non-discretionary asset management, constructing custom portfolios using mutual funds, ETFs, and other exchange-traded products, with ongoing account monitoring and formal reviews at least semiannually.

Benjamin White is the sole advisor at D/W Financial Consultants LLC in Ocean View, Delaware, holding Series 63 and Series 65 licenses with 43 years of industry experience. He has led the firm since 2009. D/W Financial Consultants provides financial and retirement consulting mainly to plans, plan sponsors, and institutional clients, offering plan-level advice, fund selection assistance, participant education, and customized financial planning through a process of discovery, written recommendations, and periodic reviews. The firm typically recommends diversified portfolios by asset class and does not provide discretionary portfolio management or custody of assets.

Kirsten Lopez is a CFP® with three years of industry experience, currently serving as an advisor at Metz Capital Management LLC. Her prior experience includes roles at Merrill and Bell Rock Capital, LLC. Metz Capital Management provides discretionary investment supervisory services and fee-based financial planning to individuals, trusts, estates, charitable organizations, and business entities. The firm emphasizes portfolio diversification and periodic rebalancing, managing accounts with at least quarterly reviews and ongoing monitoring.

John Farrell is a financial advisor at Greenwich Financial Advisors, LLC with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Greenwich Financial Advisors since 2010. Greenwich Financial Advisors provides investment advisory and financial planning services to individuals, trusts, estates, and business entities. The firm uses a variety of investment strategies tailored to client objectives, including fundamental, technical, and cyclical analysis, and offers specialized services such as corporate and personal tax planning, cost segregation studies, and corporate structure advice.

Andrew Metz is the principal of Metz Capital Management LLC in Lewes, Delaware, with 26 years of industry experience. He holds a Series 65 designation and has led his firm since its founding in 1999. Metz Capital Management provides discretionary investment supervisory services and fee-based financial planning to individuals, retirement plans, trusts, estates, charitable organizations, and business entities. The firm manages approximately $86 million in client assets, offering portfolio management and comprehensive planning with a focus on diversified allocations primarily using no-load mutual funds, ETFs, individual equities, and fixed income securities.

Bruce Kramer is a Series 65-licensed advisor at Greenwich Financial Advisors, LLC with nine years of industry experience. He is also the managing member of Bruce Kramer CPA, LLC, where he spends most of his time providing accounting and tax preparation services. Kramer has been with Greenwich Financial Advisors since 2020 and has operated his CPA firm since 2014. Greenwich Financial Advisors serves individuals, trusts, estates, and business entities with a range of investment advisory and financial planning services. The firm employs various investment strategies tailored to clients’ objectives and risk tolerance, combining portfolio management with tax- and corporate-oriented advisory services.

Neoklis Kypreos is a financial advisor with Axion Financial Group LLC, holding a Series 65 designation and 15 years of industry experience. He has been with Axion Financial Group since 2011 and is also the managing member of Front Gate LLC. Kypreos serves on the Board of Trustees of the Salisbury School Foundation. Axion Financial Group provides discretionary portfolio management and financial planning primarily for individual and high-net-worth clients. The firm employs a range of investment strategies, including long and short positions, options, and allocations to private market and alternative vehicles, and maintains active relationships with other advisory firms through referrals and fee-sharing arrangements.

Arjun Goel is a financial advisor at Cagr Finance LLC with a Series 65 credential and one year of industry experience. He previously worked at Evolution Finance Inc. for eight years and has experience at Smith School of Business. Cagr Finance LLC is an SEC-registered investment adviser that provides discretionary, model-based asset management exclusively through an interactive web platform and automated trading. The firm combines fundamental, value-oriented analysis with proprietary ratings and algorithm-driven portfolio management, serving individual and high-net-worth investors via a digital-only delivery model.

At Back Bay Financial Planning & Investments, we specialize in helping individuals and families navigate the transition into retirement—especially those relocating to, or already enjoying life along, the Maryland and Delaware coasts. We provide financial clarity and confidence so you can focus on what really matters: enjoying your life at the beach. What You Can Expect From Us: A Personalized Retirement Roadmap We build your financial plan around your lifestyle goals, values, and priorities. From income strategies to long-term projections, we design a plan built to evolve with you. Tax-Smart Planning We help you make the most of your income and investment withdrawals, with proactive strategies to reduce your tax burden now and in the future. Investment Management Our portfolios are thoughtfully constructed to reflect your retirement timeline and risk preferences—with a focus on keeping costs low and outcomes aligned with your goals. Estate & Legacy Coordination We’ll work alongside your attorney or help you think through your legacy wishes, ensuring your wealth passes smoothly and intentionally to the next generation. Ongoing Support & Real Conversations You’ll have a dedicated partner who explains the complex in plain English, stays in touch proactively, and adapts your plan as life evolves. We limit the number of clients we serve so we can deliver the kind of hands-on, highly personalized advice that bigger firms often can’t match. Our mission is simple: help you retire with confidence and live fully in the coastal community you love.

Todd Roselle is a CFP® and ChFC® with 21 years of experience in the financial services industry. He is currently a principal at Blue Rock Financial Group and has held roles at AlphaCore Capital LLC, Purshe Kaplan Sterling Investments, and Cambridge Investment Research. Roselle serves on the State of Delaware Investment Committee, providing input on the state's retirement, 529, and ABLE plans, and is president of the Harmon Bay Homeowners Association. Blue Rock Financial Group offers discretionary investment management, comprehensive financial planning, and retirement-plan advisory services for individuals, families, trusts, businesses, and plan sponsors. The firm utilizes a modern portfolio theory approach focused on ETF-based strategic asset allocation combined with selective tactical adjustments, delivering customized portfolios through a mix of institutional platforms and an advisor-integrated robo-advisor.

Antonios Kypreos is a financial advisor at Axion Financial Group LLC with 16 years of industry experience. He holds the Series 65 designation and has been with Axion Financial Group since 2010. Axion Financial Group LLC provides discretionary portfolio management and financial planning primarily for individual and high-net-worth clients. The firm employs a combination of fundamental, technical, and cyclical analysis, offering strategies that include long and short positions, frequent trading, and options, as well as allocations to private market and alternative investments.

Cameron Fitzgerald is a CFP® and holds a Series 66 license with 15 years of industry experience. He is currently affiliated with BDFS Capital LLC and has prior experience with firms including The Leaders Group Inc, MS Howells & Co., and LPL Financial. Outside of financial advising, he is a partner in a local transportation business, Diamond State Limousine LLC. BDFS Capital LLC provides portfolio management and financial planning services to individuals, charitable organizations, retirement plans, corporations, and trusts. The firm employs multiple analytical methods and offers both long- and short-term trading strategies, sponsoring a wrap fee program and managing a broad investment universe that includes alternatives such as private equity and commodities.

Jeffrey Puglia is a CFP® with 29 years of experience in the financial services industry, currently serving at BDFS Capital LLC. He previously worked at LPL Financial for nine years and at Ms Howells & Co. in 2017. Outside of his advisory role, he is president of Jiggy's Farms, a business producing all-natural soil amendments, and serves as treasurer for the Friends of Milford Museum. BDFS Capital LLC provides portfolio management and financial planning to individuals, charitable organizations, retirement plans, corporations, and trusts. The firm employs multiple analytical methods and both long-term and short-term trading strategies, sponsors a wrap fee program, and offers access to a broad investment universe including alternatives such as private equity and commodities.

Kenneth Reese is a financial advisor at BDFS Capital LLC with 14 years of industry experience. He holds a Series 66 designation and has worked at firms including The Leaders Group Inc, MS Howells & Co., LPL Financial, and Guardian Life Insurance Company. Reese is also a partner at Black Diamond Financial Solutions, where he creates and monitors financial plans and investments. BDFS Capital LLC provides portfolio management and financial planning services to individuals, charitable organizations, retirement plans, corporations, and trusts. The firm employs multiple methods of analysis and offers both long-term and short-term trading approaches, sponsoring a wrap fee program and incorporating a broad investment universe that includes alternatives such as private equity and commodities.

Wallace Kennedy is a financial advisor at MFG Investments, LLC with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Securities America, Inc. and Osaic Wealth, Inc. Kennedy is also involved in producing a podcast that discusses financial planning, investments, and basketball. MFG Investments serves individual clients across a range of wealth levels, offering discretionary portfolio management and financial planning. The firm employs strategies such as fundamental analysis and modern portfolio theory, provides model portfolios, and offers educational seminars and workshops at no charge.

Mark Nehra is a CFP® with 17 years of industry experience, currently serving at BDFS Capital LLC. His prior roles include positions at Black Diamond Financial Solutions, Waddell & Reed, and various insurance carriers. Outside of his advisory work, he is Treasurer of the Milford Senior Center Board of Directors and President of the Lynnwood Village Homeowners Association. BDFS Capital LLC provides portfolio management and financial planning services to individuals, charitable organizations, retirement plans, corporations, and trusts. The firm employs diverse analytical methods and offers a wrap fee program alongside directing clients to third-party platforms when appropriate.