James Bova is a financial advisor at OSAIC with 36 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Securities America Advisors, Inc., Securities America, Inc., and Securities Service Network Inc. Bova is also involved in insurance sales, including variable annuities, on a commission basis. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and advisory services, financial planning, and access to third-party money managers and wrap programs. The firm uses various asset-allocation tools and portfolio management techniques to support client investment needs.

Pamela Ciccone is a financial advisor with Raymond James Financial Services Advisors, Inc. She holds a Series 66 designation and has four years of industry experience, including prior roles at Union Savings Bank Wealth Management. She is also involved with Union Savings Bank in a financial institution capacity. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary planning and investment consulting using analytical tools and supports its clients through a broad advisor network and affiliated advisory firms.

Russell Karpf is a financial advisor with Raymond James Financial, holding a Series 66 designation and 26 years of industry experience. His prior experience includes seven years at LPL Financial and ten years at Ameriprise Financial Services. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored non-discretionary planning and employs analytical tools such as risk profiling and probability modeling, supporting clients through advisory programs and other providers.

Randall Watsek is a CFP® and CFA® with 15 years of industry experience, currently serving as a financial advisor at Raymond James & Associates. He previously worked at Dalton, Greiner, Hartman, Maher & Co., LLC for 13 years. Outside of his advisory role, he is an author and editor of poetry and literary books and acts as a trustee responsible for managing a family trust. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that serves a diverse client base, including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional advisory services supported by a wide range of portfolio management styles and affiliated research.

Nick Kounios is a financial advisor with OSAIC in Mount Kisco, NY, holding Series 63 and Series 65 designations and over 23 years of industry experience. He has been with OSAIC since 2002. Outside of his advisory role, he is involved in tax preparation and planning through Pinnacle Taxx Inc and serves on the board of directors of a nonprofit organization providing continuing education to tax professionals. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services, employing asset-allocation tools and a range of investment options to manage portfolios on both discretionary and non-discretionary bases.

Riley Juenger is a financial advisor at Raymond James & Associates with six years of industry experience. He holds a Series 66 designation and has worked at several firms, including Wells Fargo Clearing Services, Cornerstone Wealth Management, and LPL Financial, before joining Raymond James. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a broad client base, including individuals, institutional clients, and municipal entities, and offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Maria Castellon is a financial advisor at J.P. Morgan Securities with 27 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2019, following three years at Wells Fargo Advisors. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Gary Meyerer is a financial advisor at OSAIC with 46 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Securities America Advisors and National Planning Corporation. He is also licensed as a life and variable insurance agent. OSAIC serves a wide range of clients, including retail and institutional investors, by offering integrated brokerage and advisory services, financial planning, and access to various managed account solutions. The firm employs multiple investment platforms and third-party services to construct diversified portfolios, supporting both discretionary and non-discretionary account management.

David Schneider is a Certified Financial Planner (CFP®) with 15 years of experience in the financial industry. He is currently with Morgan Stanley, where he has worked since 2020, following a seven-year tenure at JP Morgan Securities LLC. His credentials also include Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and estate strategies, managing approximately $2.74 trillion in client assets.

Anthony Morales is a Financial Advisor at Merrill Lynch Wealth Management with nearly a decade of experience in the financial services industry. He assists families in navigating the complexities of wealth management by creating personalized financial strategies that align with their unique goals and values. Anthony's bilingual proficiency in English and Spanish enables him to effectively serve a diverse range of clients. In his role, Anthony leverages Merrill's extensive research and resources to deliver tailored investment strategies covering areas such as retirement planning, trust and estate strategies, and portfolio management services. He is licensed as a Personal Investment Advisor (PIA) and holds registrations including the SIE, FINRA Series 7 and Series 66. His client focus encompasses family wealth management strategies and managing new wealth. Anthony attended the New York Institute of Technology without degree completion. Outside of his professional work, his personal interests include baseball, basketball, boxing, drawing and sketching, football, golfing, interior decorating, softball, spending time with family, and traveling.

Jose Diaz Jr. is a CFP® professional with 13 years of industry experience, currently serving as a financial advisor at Raymond James Financial in Danbury, CT. He has worked with Raymond James since 2013 and has been involved with Union Savings Bank since 2011. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm uses tailored, non-discretionary planning supported by analytical tools and offers specialized services such as municipal advising and SIMPLE IRA Employer Advisory programs.

Christopher Leavay is a financial advisor with Raymond James Financial Services Advisors Inc. in Wilton, CT, holding Series 63 and Series 65 credentials and 22 years of industry experience. His prior work includes positions at Wells Fargo Advisors Financial Network LLC and Citigroup Global Markets. He is also involved with Adaptive Wealth Management LLC, a non-investment-related support company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and corporate clients. The firm offers tailored, non-discretionary planning and uses analytical tools to support client goals, while also supporting municipal and public finance through a unique affiliation with a municipal advisor.

Thomas Loftin is a financial advisor with Primerica Advisors in Bethel, CT, holding Series 63 and Series 65 licenses and three years of industry experience. He has worked at Primerica Advisors and Primerica Financial Services since 2022 and has prior experience at Curtis Mallet-Prevost, Colt and Mosle LLP and MTM Technologies Inc. Outside of advising, he is involved in sales of loan products and home-related services through affiliated Primerica companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, targeting individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm uses third-party asset managers curated through independent due diligence and employs a tiered wrap-fee structure, focusing on retail clients rather than institutional pension or profit-sharing plans.

Carmela Martino is a financial advisor with Morgan Stanley, holding a Series 63 credential and bringing 23 years of industry experience. She has been with Morgan Stanley and its affiliated entities since 2007. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and employs structured planning tools alongside research from its Global Investment Committee.

Pieter Loots is a financial advisor with Merrill in Katonah, NY, holding Series 63 and Series 65 licenses and three years of industry experience. His prior roles include positions at JPMorgan Chase Bank and J.P. Morgan Securities. Outside of his advisory work, he is an owner and partner in several non-investment businesses, including real estate holdings and an e-commerce venture managed by his wife. Merrill, along 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 strategies for a range of clients including individuals, high-net-worth clients, and charitable organizations.

Robert Bouza is a financial advisor with Ameriprise, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services since 2003. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with substantial investable assets, delivering tailored recommendation reports that incorporate research, modeling, and tax-efficiency analysis. The firm operates as a large institutional provider offering a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Charles Wilson III is a financial advisor at Wells Fargo Clearing with 42 years of industry experience. He holds Series 63 and Series 65 designations and has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Outside of his advisory work, he serves as a board member of 45 East 85th Street LLC, a cooperative in New York City. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader set of financial product offerings than typical institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

Christopher Carvotta is a financial advisor at Fidelity with 24 years of industry experience. He holds Series 63 and Series 66 designations and has held various roles at Fidelity and TD Ameritrade since 2005. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm combines fundamental research with quantitative and algorithmic portfolio construction, delivering model portfolios and managing fund advisory roles that include oversight of affiliated sub-advisers.

Edward Dunn is a financial advisor at J.P. Morgan Securities with 28 years of industry experience. He holds Series 63 and Series 66 designations and has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2017. Outside of his advisory role, he operates ECMC Enterprises, an S corporation through which he invests in art. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Karl Rickel is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and over 40 years of industry experience. He has been with MML Investors Services, Inc. since 1985 and has a longstanding affiliation with MassMutual Life Insurance Co. dating back to 1977. In addition to his advisory role, Rickel is an insurance agent specializing in life, group health, and long-term care insurance. MML Investors Services, LLC serves individuals, business owners, trusts, estates, charitable organizations, and employers, providing financial planning, asset management, and educational seminars. The firm emphasizes collaborative, annual planning engagements using firm-approved tools to analyze client goals and deliver written recommendations.