# Financial advisors for small business owners in Delaware > For small business owners in Delaware, talk to a fee-only planner who treats the business and the household as one balance sheet. Look for someone who can speak to entity choice, owner pay, and retirement plans for the company, not only your personal accounts. Records to start with include John Melasecca of Clariti Wealth Advisors, Brian Thomson of Affinity Wealth Management and Jarrett Morris of RiversEdge Advisors. Page: https://find.wellspent.co/specialties/small-business-owners/delaware/ 29 fee-only advisors listed; data last updated October 30, 2026. Fee-only means paid only by clients, never by commissions. ## Which financial advisor should I talk to as a small business owner in Delaware? For small business owners in Delaware, talk to a fee-only planner who treats the business and the household as one balance sheet. Look for someone who can speak to entity choice, owner pay, and retirement plans for the company, not only your personal accounts. Records to start with include John Melasecca of Clariti Wealth Advisors, Brian Thomson of Affinity Wealth Management and Jarrett Morris of RiversEdge Advisors. - [John Melasecca](https://find.wellspent.co/advisors/john-melasecca/), Clariti Wealth Advisors, Wilmington. Holds the CFP. Fees on file: percentage of assets. - [Brian Thomson](https://find.wellspent.co/advisors/brian-thomson/), Affinity Wealth Management, Wilmington. Holds the CFP. Fees on file: percentage of assets, hourly. - [Jarrett Morris](https://find.wellspent.co/advisors/jarrett-morris/), RiversEdge Advisors, Wilmington. Holds the CFP. Fees on file: percentage of assets, hourly. - [Debora May](https://find.wellspent.co/advisors/debora-may/), Councilor, Fenwick Island. Holds the CFP. Fees on file: percentage of assets, hourly. - [Kevin O'Hanlon](https://find.wellspent.co/advisors/kevin-ohanlon/), Rockford Financial Planning LLC, Wilmington. Holds the CFP. Fees on file: percentage of assets, hourly. - [Bradley Fine](https://find.wellspent.co/advisors/bradley-fine/), Four Seasons Investment Management, Rehoboth Beach. Fees on file: hourly, percentage of assets. ## How many fee-only financial advisors in Delaware work with small business owners? The Wellspent public graph lists 29 fee-only advisors for small business owners in Delaware, at 10 firms. We counted every advisor record that lists this work, as of October 2026. ## Where are fee-only advisors for small business owners in Delaware located? Of the 29 fee-only advisors for small business owners in Delaware, 21 are in Wilmington, followed by 5 in Dover and 1 in Fenwick Island. ## How do fee-only advisors for small business owners in Delaware charge? The most common fee among fee-only advisors for small business owners in Delaware is a percentage of assets, used by 100% of the 29 with fees on file. Many use more than one: 79% charge by the hour and 76% charge fixed fees. ## What credentials should a financial advisor for small business owners have? For small business owners, look for the CFP. In Delaware, 45% of the 29 advisors listed hold the CFP. - CFP (45% of advisors listed): The CFP keeps the business in the wider plan. ## How do Delaware advisors for small business owners compare with the rest of the US? 79% of fee-only advisors for small business owners in Delaware charge by the hour, compared with 48% of the 2,851 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## Does Delaware tax income on top of federal tax? Yes. Delaware has a state income tax, so a financial plan for a Delaware resident should project it alongside federal tax. ## What should I ask a financial advisor as a small business owner in Delaware? - Which retirement plan would you set up for my business, and why? - How would you set my salary against distributions? - How much of my net worth should stay in the business? - How do you plan for an eventual sale or succession? - How will you plan for Delaware tax alongside federal tax? ## How current is this list of fee-only advisors for small business owners in Delaware? Wellspent last checked these records against SEC records in October 2026 and firm websites in October 2026. Each advisor's page shows the date for that record. ## Advisors | Advisor | Firm | Location | Credentials | Fees | |---|---|---|---|---| | [John Melasecca](https://find.wellspent.co/advisors/john-melasecca.md) | Clariti Wealth Advisors | Wilmington, Delaware | CFP | Percentage of assets | | [Kevin O'Hanlon](https://find.wellspent.co/advisors/kevin-ohanlon.md) | Rockford Financial Planning LLC | Wilmington, Delaware | CFP | Percentage of assets, Hourly, Fixed fees | | [Brian Carney](https://find.wellspent.co/advisors/brian-carney.md) | RiversEdge Advisors | Wilmington, Delaware | CFP, ChFC | Percentage of assets, Hourly, Fixed fees | | [Jarrett Morris](https://find.wellspent.co/advisors/jarrett-morris.md) | RiversEdge Advisors | Wilmington, Delaware | CFP, ChFC | Percentage of assets, Hourly, Fixed fees | | [Kay Kidwell](https://find.wellspent.co/advisors/kay-kidwell.md) | RiversEdge Advisors | Wilmington, Delaware | CFP | Percentage of assets, Hourly, Fixed fees | | [Mark Eggleston](https://find.wellspent.co/advisors/mark-eggleston.md) | RiversEdge Advisors | Wilmington, Delaware | CFP | Percentage of assets, Hourly, Fixed fees | | [Debora May](https://find.wellspent.co/advisors/debora-may.md) | Councilor | Fenwick Island, Delaware | CFP | Percentage of assets, Hourly, Fixed fees | | [Abigail McCloskey](https://find.wellspent.co/advisors/abigail-mccloskey.md) | Affinity Wealth Management | Wilmington, Delaware | CFP | Percentage of assets, Hourly, Fixed fees | | [Bradley Fine](https://find.wellspent.co/advisors/bradley-fine.md) | Four Seasons Investment Management | Rehoboth Beach, Delaware | | Hourly, Percentage of assets, One-time planning fee | | [Brian Thomson](https://find.wellspent.co/advisors/brian-thomson.md) | Affinity Wealth Management | Wilmington, Delaware | CFP | Percentage of assets, Hourly, Fixed fees | | [Cheryl Starr](https://find.wellspent.co/advisors/cheryl-starr.md) | Affinity Wealth Management | Wilmington, Delaware | CFP | Percentage of assets, Hourly, Fixed fees | | [James Hall](https://find.wellspent.co/advisors/james-hall.md) | Affinity Wealth Management | Wilmington, Delaware | CFP | Percentage of assets, Hourly, Fixed fees | | [James Nelson](https://find.wellspent.co/advisors/james-nelson.md) | Affinity Wealth Management | Wilmington, Delaware | CFP | Percentage of assets, Hourly, Fixed fees | | [Lauren Mance](https://find.wellspent.co/advisors/lauren-mance.md) | RiversEdge Advisors | Wilmington, Delaware | CFA | Percentage of assets, Hourly, Fixed fees | | [Michael Sicuranza](https://find.wellspent.co/advisors/michael-sicuranza.md) | Affinity Wealth Management | Wilmington, Delaware | CFP | Percentage of assets, Hourly, Fixed fees | | [Robert Mitchell](https://find.wellspent.co/advisors/robert-mitchell-6609984.md) | Concord Financial Group | Wilmington, Delaware | CFA | Percentage of assets, Hourly, Fixed fees | | [Erin Eliason](https://find.wellspent.co/advisors/erin-eliason.md) | RiversEdge Advisors | Wilmington, Delaware | | Percentage of assets, Hourly, Fixed fees | | [Jaime Cutter](https://find.wellspent.co/advisors/jaime-cutter.md) | RiversEdge Advisors | Wilmington, Delaware | | Percentage of assets, Hourly, Fixed fees | | [Jeffrey Kaczmarczyk](https://find.wellspent.co/advisors/jeffrey-kaczmarczyk.md) | TriState Wealth Advisors | Newark, Delaware | CFA | Percentage of assets, Ongoing planning fee, One-time planning fee | | [Katherine Davis](https://find.wellspent.co/advisors/katherine-davis.md) | RiversEdge Advisors | Wilmington, Delaware | | Percentage of assets, Hourly, Fixed fees | | [Marisa Facciolo](https://find.wellspent.co/advisors/marisa-facciolo.md) | RiversEdge Advisors | Wilmington, Delaware | | Percentage of assets, Hourly, Fixed fees | | [Steven Hutchison](https://find.wellspent.co/advisors/steven-hutchison.md) | RiversEdge Advisors | Wilmington, Delaware | | Percentage of assets, Hourly, Fixed fees | | [Anna Hibbitt](https://find.wellspent.co/advisors/anna-hibbitt.md) | B.I.G. Investment Services | Dover, Delaware | | Percentage of assets | | [Daniel Venable](https://find.wellspent.co/advisors/daniel-venable.md) | B.I.G. Investment Services | Dover, Delaware | | Percentage of assets | | [David Boothe](https://find.wellspent.co/advisors/david-boothe.md) | B.I.G. Investment Services | Dover, Delaware | | Percentage of assets | | [Rachel Benton](https://find.wellspent.co/advisors/rachel-benton.md) | B.I.G. Investment Services | Dover, Delaware | | Percentage of assets | | [Donald Kalil](https://find.wellspent.co/advisors/donald-kalil.md) | Affinity Wealth Management | Wilmington, Delaware | | Percentage of assets, Hourly, Fixed fees | | [Paul Maynor](https://find.wellspent.co/advisors/paul-maynor.md) | Onyx Bridge Wealth Group | Dover, Delaware | | Percentage of assets, Hourly, Fixed fees | | [Tristan Pantano](https://find.wellspent.co/advisors/tristan-pantano.md) | Affinity Wealth Management | Wilmington, Delaware | | Percentage of assets, Hourly, Fixed fees | ## Related - [Tax planning in Delaware](https://find.wellspent.co/specialties/tax-planning/delaware.md) - [Estate planning in Delaware](https://find.wellspent.co/specialties/estate-planning/delaware.md) - [Retirement planning in Delaware](https://find.wellspent.co/specialties/retirement-planning/delaware.md) ## About this data Sources and verification: https://find.wellspent.co/methodology/ Query the directory programmatically: https://api.wellspent.co/mcp (MCP, read-only, no auth).