Alex Ginsberg is a financial advisor at Morgan Stanley with one year of industry experience. He holds a Series 66 designation and has previously worked at Aztec Recreation and several educational and fitness organizations. Morgan Stanley Wealth Management serves individual and institutional clients by providing a variety of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers comprehensive services through its Financial Advisors and Estate Planning Strategies Group.

Ronald Biedermann is a Series 63 licensed financial advisor with Morgan Stanley, based in Colchester, VT, and has 42 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he is a member of Great Bend LLC, a real estate-related business in Stowe, VT. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and research methodologies.

Nicholas Kinneston is a financial advisor with Cetera, holding a Series 66 designation and two years of industry experience. Prior to his current advisory role, he has worked for Maplebear Inc and DoorDash Inc, where he continues as a part-time food delivery driver. He is also licensed to sell life, health, disability insurance, fixed annuities, and long-term care insurance. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, employer-sponsored plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Kaitlin Bensel is a financial advisor at Morgan Stanley with six years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at One Day In July LLC and in academic roles at Fairfield University and Villanova University. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range of advisory programs, including customized financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides these services both directly and through corporate financial planning agreements.

Matthew Flotteron is a Vice President, Senior Financial Advisor, and Portfolio Manager with the Flotteron Group at Merrill Lynch Wealth Management. He joined the group in 2017 and works with individuals, families, and business owners to develop personalized strategies focused on retirement planning, cash flow optimization, and tax-efficient wealth accumulation. Matt contributes to the group's investment strategy by conducting equity research and portfolio design to align with clients' long-term objectives. As a Portfolio Manager in Merrill's Investment Advisory Program, Matt holds designations that enable him to design and manage investment portfolios tailored to each client's goals, risk tolerance, and financial situation. His strategies include individual equities and bonds, Merrill model portfolios, and selected third-party investment solutions. Prior to Merrill, he founded and managed several businesses, gaining experience in accounting, insurance, tax, and retirement planning, which informs his comprehensive approach to wealth management. He holds the Certified Plan Fiduciary Advisor (CPFA) designation, along with Personal Investment Advisor (PIA) and Retirement Accredited Financial Advisor (RAFA) credentials. Matt earned a Bachelor of Science in Business Administration with concentrations in Finance and Management Information Systems and a minor in Economics, as well as a Master of Accountancy, both from the University of Vermont's Grossman School of Business. Outside of work, Matt and his wife split their time between Stowe, Vermont, and Eastern Long Island, often with their dog, Otto. He enjoys outdoor activities such as skiing, boating, hiking, fishing, hunting, biking, surfing, and tennis. Additionally, Matt has interests in music, history, car mechanics, and atmospheric science. He and his wife support the American Red Cross, focusing on disaster relief efforts.

Alexander Lajeunesse is a financial advisor at Ameriprise with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at JPMorgan Chase Bank, J.P. Morgan Securities, CUSO Financial Services, and NorthCountry FCU. Outside of his advisory role, he owns AB Event Decor LLC, an event and party decoration business. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement-income planning through written recommendations and ongoing advice, utilizing investment research and algorithmic tools within a defined investment framework.

Adrian Alquinta is a financial advisor with Merrill, holding a Series 66 designation and 19 years of industry experience. He has been with Merrill since 2007. Outside of his advisory role, he is involved in managing a family-owned real estate LLC in Massachusetts. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kimberly Lefrancois is a financial advisor at Morgan Stanley with 32 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Lefrancois holds Series 63 and Series 65 credentials. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to both individual and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets.

Ryan Goodrich is a financial advisor at Morgan Stanley in Colchester, VT, holding a Series 66 designation. He has professional experience with Ally Pediatric Therapy and EnerNOC prior to joining Morgan Stanley in 2026. Ryan also worked as a homemaker for one year. 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 and financial planning services supported by structured discovery processes and advanced modeling tools.