Robert Lo Ricco is a Series 66 licensed advisor with Cetera in New Haven, CT, bringing one year of industry experience. Prior to joining Cetera, he worked at Wealth Advisory Group LLC and Industrial Acceptance Corporation. Outside of his financial career, he serves as the boys varsity lacrosse head coach at Hopkins School and volunteers with local community organizations. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services through a multi-manager platform featuring affiliated and third-party managers, with assets under management exceeding $256 billion.

Christopher Carboneau is the Market Leader for Fidelity Investments in Connecticut. In this role, he focuses on leadership and coaching to support the growth of Fidelity's associates and enhance the firm's ability to serve more clients. His professional experience at Fidelity Investments spans multiple leadership positions since 2004, including his current role as VP, Connecticut Market Leader since 2024. Prior to that, he served as VP, National Investor Center Market Leader from 2022 to 2024, and held several other leadership roles such as Vice President and Branch Leader from 2013 to 2021. Earlier in his career, he worked within Fidelity's pension services starting in 2004. Outside of work, Christopher's personal interests include spending time at the beach, boating, attending concerts, cooking and baking, engaging in family activities, and playing golf.

Nicholas Drew is a Financial Advisor at Merrill Lynch Wealth Management, where he provides personalized wealth management guidance to help clients build, preserve, and transition their assets. He focuses on understanding each client's financial goals, risk tolerance, and priorities to deliver disciplined strategies based on long-term planning and sound investment principles. Nicholas leverages Merrill Lynch's research, resources, and technology to design customized portfolios, support retirement and tax-efficient planning, and assist clients in navigating complex financial decisions. He holds professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Nicholas earned a Bachelor's Degree from Keene State College. His client focus areas include college education planning, legacy planning, personal retirement planning, tax minimization, and retirement income. Outside of his professional work, Nicholas is involved with St. Jude's and enjoys a variety of personal interests such as basketball, football, gardening, golfing, hiking, skiing, soccer, spending time with family, and woodworking.

Brian Dineen is a Financial Consultant at Fidelity Investments, where he assists clients in developing and implementing comprehensive financial plans by utilizing the resources available through Fidelity. He has been with Fidelity since 2021, serving in various roles including High Net Worth Associate, Relationship Manager, Investment Consultant, and PWM Planning Consultant before his current position. Prior to joining Fidelity, Brian held roles at UBS Investment Bank as an Executive Director from 2004 to 2019, at Charles Schwab and Co. as Director in 2004, and at Soundview Technology Group as Vice President from 1997 to 2004. He has over 25 years of experience in financial services.

Joshua Heimann is a financial advisor with UBS Financial Services in Bridgewater, CT, holding a Series 66 designation and bringing 26 years of industry experience. He has been with UBS since 2013. Heimann serves on the board of a housing cooperative, involving general administration and management responsibilities. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, employing proprietary capital market assumptions and research to tailor plans based on clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management and provides a broad range of financial services including custody, underwriting, and securities-backed lending.

Steven Fazo is a CFA® charterholder with 14 years of experience in the financial industry. He is currently affiliated with Cetera and has previously worked at Ciampi Financial Services and Ciampi Wealth Management Corp. Outside of his advisory role, he is a partner in a retail business selling yarn and knitting accessories. Cetera Investment Advisers LLC operates a large nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through multi-manager platforms and various program structures.

William Caso is a financial advisor at Cetera with 25 years of industry experience. He holds the Series 63 and Series 65 designations and previously worked at Avantax Advisory Services and Avantax Insurance Agency. Caso is also a CPA providing tax preparation and accounting services and serves as treasurer of the Kawanis Club of Danbury. Cetera Investment Advisers LLC is an SEC-registered firm serving individual clients, retirement plans, corporate and charitable entities, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing multiple program structures and a suite of affiliated and third-party investment solutions.

Jared White is a financial advisor at LPL Financial with 20 years of industry experience. He holds a Series 66 designation and has previously worked at firms including Cetera Advisor Networks LLC, Kestra Advisory, and UBS Financial Services. Outside of his advisory role, he is involved with Compass Capital Management, providing investment advisory and financial planning services through affiliated entities. LPL Financial is a national broker-dealer and SEC-registered investment advisor serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of advisory and brokerage services, including financial planning and access to third-party asset managers, with a range of investment strategies executed on both discretionary and non-discretionary bases.

Michael Haggerty is a financial advisor at UBS Financial Services in New Haven, CT, holding a Series 66 designation with 14 years of industry experience. He has been with UBS since 2013. Outside of his advisory role, he is a partner at New Haven Strength & Athletics and serves on the board of the New Haven Chamber of Commerce, where he runs a young professionals networking group. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary capital market research and model-based asset allocations to tailor financial plans. The firm provides a broad range of services including fee-based financial planning, portfolio management, and capital markets activities.

Kurt Wischow is a financial advisor with Ameriprise in Milford, CT, holding Series 63 and Series 65 licenses and 29 years of industry experience. He has worked at Ameriprise and its affiliate since 1996. Outside of his advisory role, he serves as a trustee for America St John's #8, where he participates in decision-making based on recommendations he provides. Ameriprise is an institutional firm offering retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax analysis to create tailored, non-discretionary recommendations. The firm also provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Eric Lovas is a financial advisor with Mass Mutual Investors Services in Shelton, CT, holding Series 63 and Series 65 licenses and with 30 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Banc of America Investment Services, Inc. He also works as an outside insurance agent specializing in individual and group life and health insurance, fixed annuities, long-term care, and disability insurance. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using collaborative, software-driven methodologies to deliver written recommendations tailored to client goals.

Scott Tansley is a CFP® professional with 22 years of experience in the financial industry, currently serving at Wells Fargo Advisors since 2026. He previously worked at Wells Fargo Clearing for 10 years. Outside of his advisory work, he is a member and secretary of an investment club in Watertown, 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 options and utilizing Wells Fargo research and planning tools to develop tailored recommendations.

John Steiger is a Series 66-licensed advisor with LPL Enterprise, holding three years of industry experience. Prior to joining LPL Enterprise, he worked at The Prudential Insurance Company of America and Pruco Securities LLC. Outside of financial services, he has worked for Instacart and held various roles including at the University of Connecticut and E.A. Quinn Landscape Contracting Inc. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, and institutional entities. The firm utilizes model-driven investment implementation and offers access to third-party asset managers and financial planning services.

Marc Ciociola is a financial advisor at UBS Financial Services with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2009. Outside of his advisory work, he serves as a trustee and financial overseer for Wooster Lodge #79, a charitable organization in New Haven, CT. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, providing a range of services including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor investment strategies.

Richard Fabian is a Financial Advisor with Merrill Lynch Wealth Management, specializing in comprehensive financial planning and investment management. With over 10 years of experience, he provides tailored strategies to help clients achieve goals across areas such as college education planning, family wealth management, retirement income, and socially responsible investing. Richard leverages Merrill's extensive resources and research alongside his industry expertise to develop customized solutions aligned with each client's unique needs and aspirations. Richard holds a Bachelor's Degree from Lehman College and a Personal Investment Advisor (PIA) designation. He is fluent in English and Spanish, enabling him to effectively communicate with a diverse client base. His professional approach emphasizes transparency and trust, focusing on building long-term relationships to support clients and their families in securing their financial futures. Outside of his professional role, Richard enjoys adventure sports, baseball, basketball, biking, dancing, and music. He values spending quality time with his family and engages in community service events to contribute to the well-being of others.

Brendan Birdsey is a financial advisor at Wells Fargo Advisors with 29 years of industry experience. He previously worked at Wells Fargo Clearing and Morgan Stanley DW Inc. Birdsey is registered with Series 63 and Series 65 credentials and is based in New Haven, CT. He is the owner of Birdsey Wealth Management, LLC, a financial planning and investment firm. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides a broad range of investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers specialized planning services in areas such as business-owner transition, sports and entertainment, special-needs analysis, and divorce planning, using proprietary research and tools to develop tailored client recommendations.

John Culhane is a financial advisor at Cetera with 29 years of industry experience and holds the PFS™ designation along with Series 63 and Series 65 licenses. His work history includes roles at Avantax Advisory Services and Cincinnati Insurance Co, and he has operated his own CPA practice since 1994. Outside of advising, he is involved in tax preparation and serves as an insurance sales agent. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with access to both affiliated and third-party investment strategies.

Connor Odell is a financial advisor with Ameriprise, holding a Series 66 designation and two years of industry experience. Prior to joining Ameriprise, he worked at J.P. Morgan Securities LLC, JPMorgan Chase Bank, N.A., and First Republic Bank. He is also associated with Nancy S. Daoud & Associate LLC as an associate financial advisor. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Jason Pollack is a financial advisor at LPL Enterprise with 12 years of industry experience. He holds the Series 63 and Series 66 credentials. Outside of his advisory role, he is also active as a real estate agent at ERA Blanchard in Manchester, CT. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm primarily uses model-driven investment strategies developed by internal and third-party research teams and offers access to third-party asset managers and financial planning services.

David Ross Jr. is a financial advisor with LPL Financial in Southington, CT, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. His prior experience includes roles at VOYA Financial Advisors and Capital Financial Planning, where he has worked alongside his ongoing affiliation with CFP Associates. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning, model portfolios, and institutional platforms, supported by proprietary research and third-party subadvisors.