Brian Clemente is a financial advisor with Merrill in Southbury, CT, holding a Series 66 designation and 18 years of industry experience. He has been with Merrill since 2007. Merrill, together 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 strategies developed by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Dennis Tracy is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He previously worked at Oppenheimer for 12 years before joining Ameriprise Financial Services Inc. and then Ameriprise. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria, delivering personalized recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis through a centralized consulting team, while offering a broad range of advisory, brokerage, and insurance solutions.

James Olivo is a financial advisor at Merrill with Series 63 and Series 66 credentials and 25 years of industry experience. He has been with Merrill since 2006. Outside of his advisory role, he is involved with Ledley Food Service in a capacity unrelated to investment activities. Merrill, together 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 a range of clients including individuals, high-net-worth clients, and institutions.

Ronald Molles Jr. is a financial advisor with Equitable Advisors in Brookfield, CT, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked at Equitable Advisors since 1999, including its predecessor Axa Advisors, LLC. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management programs. The firm employs a model-based approach that incorporates both proprietary and third-party solutions delivered through a network of Investment Adviser Representatives.

Joseph Divestea is a financial advisor with Raymond James & Associates in Ridgefield, CT, holding Series 63 and Series 65 designations and bringing 36 years of industry experience. He previously worked at Merrill from 2008 to 2016 before joining Raymond James in 2016. Outside of advising, he owns a business through which he manages a commercial property leased to his firm. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension plans, charitable organizations, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing a range of portfolio management styles supported by firm research and affiliated sub-advisers.

Gary Avidon is a financial advisor with J.P. Morgan Securities in Bethel, CT, holding Series 63 and Series 65 credentials and 25 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and has been with JPMORGAN Chase Bank, N.A. since 2007. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting, with a centralized due diligence process supporting its recommendations.

Joseph Taylor is a financial advisor with Ameriprise in Danbury, CT, holding Series 63 and Series 66 licenses and five years of industry experience. Prior to joining Ameriprise in 2023, he worked for Medtronic from 2005 to 2023. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning services that provide written recommendations and ongoing advice focused on dependable income sources and tax-aware withdrawal strategies.

Samuel Allen is a Series 66 accredited financial advisor with six years of industry experience. He currently works at OSAIC and has prior experience at Sagepoint Financial, Inc. and American Corporate Benefits Inc., where he has been involved since 2019. His background also includes service in the Israel Defence Force from 2016 to 2019. Osaic Wealth serves a diverse range of clients, including individual investors, retirement plan sponsors, charities, and corporate entities. The firm offers both brokerage and advisory services through a multi-advisor platform, utilizing model-based asset allocation and portfolio optimization supported by various management strategies and third-party platforms.

Joseph Marino Jr. is a financial advisor with Cambridge Investment Research Advisors and holds Series 63, 65, and 66 licenses. He has 34 years of industry experience, including roles at Cantella & Co., Inc. and Edelman Financial Services. He is also the founder of Ninham Capital Corp. and has worked as an independent insurance agent and with Schneider Financial Group. Cambridge Investment Research Advisors serves a broad mix of individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base through thousands of financial professionals and provides access to multiple platforms, third-party advisers, and proprietary investment strategies.

John Desalva is a financial advisor at Cetera with 33 years of industry experience. He holds Series 63 and Series 66 licenses and has held leadership roles at Georgetown Financial Group, Inc., where he is president and majority owner, as well as vice president and partial owner of Planned Benefits, Inc. Outside of traditional advisory work, he is involved in multiple insurance-related businesses, including life settlements and fixed insurance product education. Cetera is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a multi-manager platform with a range of portfolio management options, financial planning, and retirement services, supporting both discretionary and non-discretionary investment strategies.

Matthew Sullivan is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 designations and has been with J.P. Morgan-affiliated entities since 2010. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s process combines quantitative and qualitative research supported by a centralized due diligence team and incorporates ESG criteria in its recommendations.

Mackenzie Kusch is a financial advisor at Equitable Advisors with 14 years of industry experience. She holds Series 63 and Series 66 credentials and has been with Equitable Advisors since 2014, previously working with AXA Advisors. Outside of her advisory role, Kusch is involved in flight instruction and serves as a trustee for the Ted Alex Memorial nonprofit organization. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management programs to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a variety of advisory models through its network of Investment Adviser Representatives, utilizing third-party asset managers and programs.

Nicholas Miceli is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 12 years of experience in the financial services industry. Since beginning his career in 2011 with Merrill Lynch, he has developed expertise in wealth management, employee benefits planning, portfolio management, and retirement income strategies. Nicholas and his team leverage Merrill’s global resources to provide comprehensive wealth management services tailored to corporate executives and their families. Nicholas holds a Bachelor of Science in Business Administration with a concentration in finance from Seton Hall University. He has earned several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His experience spans advising on corporate benefit programs such as equity compensation, defined benefit, and defined contribution plans, as well as helping clients manage concentrated stock positions and transition events like retirement or business sales. Outside of his professional role, Nicholas enjoys spending time with his family and pursuing personal interests such as golf, chess, fishing, football, reading, and watching movies.

James Montalto is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in guiding clients through various financial decisions across life's stages, including wealth management, trust and estate planning, education funding, charitable giving management, and retirement planning. He provides expertise in areas such as college education planning, divorce transition planning, family wealth management strategies, and socially responsible investing. James holds a Bachelor's Degree from the State University of New York System and a Master's Degree from Cornell University. He has earned professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is a member of the Cornell Club. James is active in his community through the Lions Club International. He resides in Brookfield, Connecticut with his wife and three children, and his office is located in Ridgefield, Connecticut.

Gina Douvas is the Senior Resident Director at Merrill Lynch Wealth Management in Fairfield, CT, leading the office since 2009. She has been involved in the Financial Services industry since 1991 and joined Merrill Lynch in 2007. Gina and her team work closely with high-net worth individuals, families, entrepreneurs, and endowments to develop disciplined and customized long-term financial strategies. They coordinate resources from Merrill and the Bank of America Private Bank to assist clients in pursuing financial goals, managing risk, and creating tax-efficient wealth-transfer strategies, often collaborating with CPAs and estate attorneys. Prior to joining Merrill Lynch, Gina spent 13 years at Smith Barney in New York City, focusing on stock-option planning for C-suite executives, estate, and retirement planning strategies. She began her career as a portfolio analyst working on investment strategies for institutional, corporate retirement, and private pension plans. Gina holds several professional designations, including Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). She earned a Bachelor's degree from SUNY Stony Brook and an MBA in Finance from Pace University Lubin School of Business. Gina is active in her community and supports multiple charitable organizations such as the American Cancer Association and the Norma Pfriem Breast Center. She serves on the advisory board of the Charles F. Dolan School of Business at Fairfield University and is involved with John Jay High School and The Smilow Cancer Hospital. Fluent in Greek and English, Gina enjoys biking, cooking, football, golfing, music, photography, tennis, traveling, volleyball, and spending time with her family.

Richard Allen is a financial advisor at Osaic with 38 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Sagepoint Financial, Inc. for 14 years. Outside of advising, he owns American Corporate Benefits, Inc., which sells health, life, and dental insurance, and serves on the boards of two nonprofit organizations: NorthEast Business Group on Health, Inc. and Zionist Friendship League, Inc. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm employs a model-based approach to asset allocation and portfolio optimization, providing a range of managed portfolios, third-party money manager programs, and retirement plan consulting.

Roxanne Samuels is a financial advisor with Primerica Advisors in Danbury, CT, holding Series 63 and Series 65 licenses and six years of industry experience. She has worked at PFS Investments Inc. since 2017 and Primerica Financial Services since 2019. Outside of her advisory work, she is the owner of Affluent Consulting LLC, an entity formed solely for business purposes related to Primerica. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients, with approximately 3,935 advisors and $15.5 billion in assets under management. The firm offers advisory services primarily through model-based portfolio strategies delivered by third-party asset managers and supported by custodial and trade execution services.

Dominick Santoro is a financial advisor with LPL Financial in Newtown, CT, holding Series 63 and Series 65 licenses and having 21 years of industry experience. He has worked at LPL Financial since 2011 and previously held positions at Morgan Stanley and Citigroup Global Markets. Santoro has an LLC established for accounting and liability purposes but does not engage in outside business activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Lourdes Cardenas is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. She has been with Merrill since 2015 and previously worked at Bank of America, N.A. Since 2025. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

James J Hartigan is a financial advisor at UBS Financial Services with Series 65 and Series 66 licenses and 27 years of industry experience. He has been with UBS since 2008. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client strategies.