Mike Staman

Hi! I'm Kevin Lam, and I am the owner of Age Wisely Financial. With more than four decades of accumulated financial wisdom, I guide you (or your parents) in gaining understanding, making decisions, and taking action in such key areas as: • Purpose in Life: crafting a Life Purpose Statement • Income Stability: analyzing Social Security, pensions, investments, annuities • Portfolio Review: assessing asset tax status and allocation for alignment with goals and safeguards • Withdrawing from Investments: evaluating Target Funds, Guardrails, Bucketing, Bond Ladders • Medicare: reviewing current and projected health care costs and coverage • Roth Conversions: potentially lowering taxes in future years • Required Minimum Distributions (RMD): reducing through Qualified Charitable Distributions (QCD) and Qualified Longevity Annuity Contracts (QLAC) • Inheriting an IRA: untangling the complexities of the Required Beginning Date (RBD), 5-year, 10-year, and other rules • Donor Advised Funds (DAF) and Qualified Charitable Distributions (QCD): using strategies to meet your philanthropic goals and reduce tax • Loss of Spouse: mitigating “widow/widower’s tax penalty” + maximizing Social Security survivor benefits • Long-Term Care: searching for affordable choices • Reverse Mortgage: evaluating for appropriate use in accessing home equity • Aging in Place Modification: assessing home changes for continued independent living • Care Facility Search: helping locate care facilities • Identity Theft and Fraud Prevention: using available protection tools • Legacy Vision: communicating values and memories to future generations • Trusts: explaining use of Intentionally Defective Grantor Trust (IDGT), Grantor Retained Annuity Trust (GRAT), Domestic Asset Protection Trust (DAPT), Qualified Personal Residence Trust, (QPRT), Charitable Remainder Trust (CRT), and other advanced trusts. I serve you on a flat-fee basis. For individuals, $4,500. For couples, $6,000. I also serve you as Advice-Only. This means I provide recommendations for your asset portfolio (and your entire financial ecosystem), but you are always in command of your assets. You do not pay me any Asset Under Management (AUM) fees. You do not need to transfer any of your accounts. Let's talk. Let's work together to understand your concerns and goals, figure out your choices, and help you navigate your best course of action. Let's gain you comfort in your mind, and heart.

Lisa Primack is a Senior Financial Advisor at Merrill Lynch Wealth Management in the Wilmington, Delaware office. She joined Merrill in 1996 after six years with the investment firm Donaldson, Lufkin & Jenrette in New York City. Lisa also served as the Senior Resident Director of the Wilmington office from 2009 to 2020. Lisa holds multiple FINRA registrations including Series 7, 9, 10, 31, 63, and 66. She has earned the Chartered Retirement Planning Counselor (CRPC) designation through the College for Financial Planning Institutes Corp. She graduated from Vassar College in 1990 with a Bachelor of Arts degree in Psychology. Lisa is a member of the Estate Planning Council of Delaware and the Wilmington Tax Group. Her practice focuses on managing new wealth, personal retirement planning, and retirement income. Lisa is involved with the Delaware Vassar Club and the Vassar Alumni Admissions Committee for Delaware. She resides in Wilmington and Lewes, Delaware, and enjoys biking, spending time with her family, and traveling.

Alexis Simon is a Planning Consultant at Fidelity Investments, where she collaborates with clients and their families to develop comprehensive financial plans aimed at achieving their financial goals. Since joining Fidelity Investments in 2021, Alexis has held several roles including Financial Representative and Relationship Manager before her current position. Her experience at Fidelity Investments has provided her with a broad understanding of financial planning and client relationship management. Alexis applies this expertise to support clients in navigating their financial journeys.

Donald Truesdell is a Wealth Management Advisor and Managing Director at Merrill Lynch Wealth Management. He provides strategic guidance to high-net-worth clients, focusing on areas including executive compensation, family wealth management, legacy planning, portfolio management, and socially responsible investing. Donald co-leads The HART Group, which he helped found in 2005, offering customized portfolio management services and leveraging resources within Merrill Lynch. Donald began his career at Merrill Lynch in 1993 within the asset management division, where he managed equity and fixed income portfolios for both institutional and individual clients. In 1999, he transitioned to wealth management to work more closely with individual clients and their families. He holds a bachelor’s degree in economics from Allegheny College and has earned the CERTIFIED FINANCIAL PLANNER® certification and the Chartered Retirement Planning Counselor™ designation. He is also a member of the CFA Institute of Charlottesville, VA, and the Financial Analysts Society of Philadelphia. Outside of his professional work, Donald has coached baseball in the Piedmont league. He resides in Wilmington, Delaware with his wife and two children. His personal interests include baseball, biking, cooking, fishing, photography, and spending time with his family.

Dan Dwyer is a Financial Consultant at Fidelity Investments, where he has been working since 2023. He collaborates with clients to identify their financial goals and develop strategies aligned with their preferences, utilizing Fidelity's resources to maintain progress on their financial plans. Prior to his current role, Dan served as an Investment Consultant and Financial Representative at Fidelity Investments in 2022. Before joining Fidelity, he worked as an Internal Annuity Wholesaler at Lincoln Financial Group from 2018 to 2022. Outside of his professional responsibilities, Dan has personal interests in baseball, fitness, and golf.

Matthew Perny is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he is a member of the Hunter-McCormack Group. He works with entrepreneurs, business owners, executives, and ultra-affluent families to develop bespoke financial strategies that address complex needs, leveraging his experience in fiduciary, investment, and trust services. Perny assists clients in coordinating their financial objectives with accountants, attorneys, and family offices while utilizing the resources of Merrill and Bank of America. Prior to joining Merrill, Perny served as President and Chief Fiduciary Officer of Stifel Trust Company Delaware, N.A., where he led the national trust company and oversaw trust, investment management, and custody account administration. His career in financial services began in 2002 at Wilmington Trust Company as a Private Client Advisor. He has expertise in family wealth management, legacy planning, portfolio management, socially responsible investing, and services for endowments, foundations, and non-profits. Perny holds a Bachelor of Science in Biology from Davidson College and a Juris Doctorate from the Delaware School of Law at Widener University. He has earned the Certified Trust and Financial Advisor designation and is a member of the Delaware Estate Planning Council. He lives in Wilmington, Delaware, with his wife and three sons and enjoys surfing, running, hiking, cooking, fishing, and golfing in his free time.