Sandi Forman is a financial advisor with Primerica Advisors in Bethel, CT, holding Series 63 and Series 65 licenses and six years of industry experience. She has worked with Primerica Advisors since 2019 and was previously employed at Nexvue/Bio Analytics Corp. Forman serves as co-executor of her mother’s estate, managing multiple condominiums. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, employing a tiered wrap fee structure for its services.

Robert Peckham is a financial advisor with Wells Fargo Clearing in Danbury, CT, holding Series 63 and Series 65 licenses and 32 years of industry experience. He previously worked at Infinex Investments, Inc. for 17 years before joining Wells Fargo Clearing in 2023. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non‑qualified deferred compensation plans, offering both discretionary and non‑discretionary investment advice. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Michael Baptiste is a financial advisor at LPL Enterprise with 31 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Prudential Insurance Company of America and Pruco Securities, LLC for over 30 years. Baptiste is also involved in Prudential-sponsored non-variable insurance activities. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory, and brokerage services with an integrated platform that includes access to model portfolios, third-party asset management, and insurance products through affiliated entities.

Ronald Rienas is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2011. Rienas serves on the Board of Directors for the Yonkers Chamber of Commerce and owns a business entity established to manage his practice’s staff and expenses. Ameriprise offers a retirement-income planning service tailored for individuals approaching or in retirement, focusing on clients with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendation reports delivered in partnership with financial advisors.

Brian Tabanski is a financial advisor with Primerica Advisors in Bethel, CT, holding Series 63 and Series 65 licenses. He has four years of experience in financial services, including two years with Primerica Advisors and ongoing involvement with Primerica Financial Services since 2022. Outside of his advisory role, he is the owner and chef of SimplyFood LLC, a business he has operated since 2012. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and limited separately managed account options. The firm curates third-party asset managers and utilizes a tiered wrap-fee structure for its services.

David Zavarelli is a financial advisor with LPL Financial in Danbury, CT, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. His prior work includes roles at Raymond James Financial and Union Savings Bank, as well as non-variable insurance positions. Outside of advising, he is a commissioned notary in Connecticut and manages a business entity for tax and investment purposes. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charities through a large network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing discretionary and non-discretionary management along with research-supported model portfolios and diversified strategies.

Francisco Rivera is a financial advisor at LPL Financial with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including JPMorgan Chase, Wells Fargo Bank, and Webster Bank. He is also a commissioned notary public in the state of Connecticut. LPL Financial serves a broad range of clients including individuals, retirement plans, banks, and charitable organizations, offering financial planning, advisory programs, retirement plan consulting, and brokerage services. The firm employs both discretionary and non-discretionary management strategies and provides access to research, model portfolios, and advanced portfolio management tools.

Stephen Schneider is a financial advisor at Wells Fargo Advisors with 28 years of industry experience. He holds Series 63 and Series 65 credentials and has worked within Wells Fargo's affiliated firms since 2009. Outside of his advisory role, he serves as co-executor for his father’s estate. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser providing investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu and integrates advisory services with other financial products and referral channels.

Wayne Locke Jr. is a CFP® with 39 years of industry experience, currently serving with Cetera. His prior roles include Matson Financial Advisor's, Inc., and Cetera Wealth Services, LLC. He is a board member of the New Milford Chamber of Commerce and owns a business providing expense management services. Cetera Investment Advisers LLC distributes financial services through a nationwide network of independent advisors, serving individual, corporate, and institutional clients. The firm offers diversified portfolio management and financial planning options, operating as a multi-manager platform with access to affiliated and third-party investment strategies.

Frank Delucia is a financial advisor with LPL Enterprise, holding a Series 66 designation and 19 years of industry experience. His prior roles include long-term positions at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise serves a broad range of clients including individuals, retirement plans, charitable organizations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management arrangements, and a variety of brokerage and insurance products via its integrated platform.

Lyle Roberts is a financial advisor at LPL Enterprise with 42 years of industry experience. He holds a Series 63 designation and previously worked at Prudential Insurance Company of America and Pruco Securities, LLC for several decades. Roberts also holds a real estate license as a referral agent. LPL Enterprise serves a broad range of clients including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, consulting, model wealth portfolios, third-party asset management, and a variety of brokerage and insurance products.

Kenneth Mcadam is a financial advisor with Wells Fargo Advisors in Danbury, CT, holding Series 63 and Series 65 licenses and having 43 years of industry experience. He has worked with Wells Fargo Advisors and its affiliated entities since 2009. Outside of his advisory role, Mcadam serves on the Business & Finance Committee for the First Church of Christ in Redding, CT. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning services tailored to qualified clients. The firm integrates advisory services with banking and other financial products, delivering recommendations developed using Wells Fargo research and planning tools.

Victor Joseph is a financial advisor with Wells Fargo Clearing in Danbury, CT, holding Series 63, 65, and 66 licenses and 17 years of industry experience. His career includes multiple tenures at Joseph Brothers, LLC and roles at Bourgeon Capital Management and Wells Fargo Advisors LLC. He previously owned a landscaping business through Joseph Brothers LLC, which has been inactive since 2014. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm employs over 14,000 financial advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions supported by research and analytics.

Paul Lavelle is a Series 66-licensed financial advisor with 10 years of industry experience. He is currently affiliated with LPL Financial and M&T Bank, having worked previously at Edward Jones for seven years. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers diverse advisory programs and financial planning services supported by both discretionary and non-discretionary management and utilizes a variety of research and model portfolio options.

David Rudolf is a financial advisor at Osaic with over 34 years of industry experience. He holds the ChFC® and Series 63 designations and has worked at Phoenix Mutual Life Insurance Co since 1989. Outside of his advisory role, he is president of Rudolf Associates Inc, a company that sells group benefits, Medicare plans, and various types of insurance, and owns a blue stone quarry on forestry property where lumber is sold periodically. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers, offering integrated brokerage, investment advisory services, and access to third-party money managers and wrap programs. The firm employs asset-allocation tools, efficient-frontier analysis, and automated rebalancing to construct diversified portfolios tailored to client risk tolerance.

Lucas Ward is a financial advisor at LPL Financial with five years of industry experience. He holds Series 66 and Series 63 credentials and has previously worked at Hudson Valley Credit Union and Chipotle Mexican Grill. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and consulting services.

Michael Carminucci is a financial advisor with LPL Financial in Croton Falls, NY, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has operated Carminucci Wealth Management since 2006 and has been affiliated with LPL Financial and its predecessor since 1998. Carminucci is also the author of the book *Gold Plated Retirement, Putting the Gold in the Golden Years* and is involved in a motor vehicle sales and customization business. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a wide range of investment solutions supported by an in-house Research team and accommodates customized advisory arrangements through a large network of investment adviser representatives.