Brian Bender is a financial advisor with Primerica Advisors in Farmington, CT, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with Primerica Advisors since 1999 and Primerica Financial Services since 1998. Outside of his advisory role, he is involved in the sale of loan products and home security and automation services through affiliated Primerica companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and discretionary separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

Nick Exias is a Financial Consultant who focuses on helping clients develop and implement financial plans utilizing the resources available through Fidelity. He works to assist clients in achieving improved financial outcomes. His professional experience includes roles as a Private Client Banker at Santander Bank from 2021 to 2022, Sr. Investment Consultant at TD Ameritrade from 2019 to 2021, Private Client Banker at JPM Chase & Co. from 2016 to 2019, and Financial Planning Consultant at Barnum Financial Group from 2012 to 2015. Nick's personal interests include fitness, kayaking, running, soccer, traveling, and volunteering.

Mark Franco is a financial advisor at LPL Financial with 33 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Benjamin F. Edwards & Company, Inc. for 11 years before joining LPL Financial in 2021. Outside of advising, he is involved with a non-investment-related business called UGNTERPRISES. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and brokerage services, providing both discretionary and non-discretionary management supported by extensive research and technology solutions.

Cody St John is a financial advisor with LPL Financial, holding a Series 66 designation and six years of industry experience. Prior to joining LPL Financial in 2021, he worked at Waddell & Reed from 2019 to 2021 and spent over a decade at Good Hill Mechanical. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, banks, and corporations. The firm offers various advisory programs and financial planning services, utilizing discretionary and non-discretionary management and research-supported model portfolios.

Joseph Irizarry Jr. is a financial advisor with Ameriprise in Hamden, CT, holding a Series 63 designation and bringing 32 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset thresholds, delivering tailored Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its approach and offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Frederick Cotton is a financial advisor at LPL Financial with 20 years of industry experience and holds the Series 66 designation. His prior experience includes roles at Securities America Advisors, Securities Service Network, and Ameritas Life Insurance. He is also involved with Retirement Planning Partners LLC, which operates as an insurance agency alongside his advisory work. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Stephen Carella is a financial advisor at LPL Financial with 10 years of industry experience. He holds a Series 66 designation and has previously worked at Woodbury Financial Services and Paul Raymond. Carella is based in Southington, CT. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management approaches supported by research and model portfolios.

Peter Cowen is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. His prior roles include positions at Voya Financial Advisors and CFP Associates LLC. In addition to his advisory work, he owns a tax preparation and accounting business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, as well as retirement plan consulting and brokerage services.

Guy Howard is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and 35 years of industry experience. His prior work includes 15 years at Ameriprise Financial Services and roles within Cambridge Investment Research since 2020. Howard also operates as an independent insurance agent through his own business, GWHOWARD Financial. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, and charitable organizations, offering financial planning, investment management, and retirement plan advisory services. The firm employs a range of portfolio management strategies and supports both discretionary and non-discretionary investment approaches through various custody platforms.

Joseph Mccarthy is a financial advisor with LPL Financial based in Hamden, CT, holding Series 63 and Series 65 designations and 24 years of industry experience. He has been with LPL Financial since 2002. Outside of his advisory role, he is a co-owner of Smedley Aerial Lifts LLC and Smedley Industrial Services, Inc., businesses unrelated to investment activities. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, supported by research, model portfolios, and various investment management options.

Frank Germano is a CFP®-credentialed financial advisor with 34 years of industry experience, currently practicing at OSAIC since 2025. Prior to joining OSAIC, he spent nine years at Lincoln Financial Securities Corporation. He is also involved in offering insurance products and tax preparation services through several business entities he owns or manages. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services with a range of investment strategies, utilizing proprietary tools and third-party money managers.

James Combs is a CFP® professional with six years of industry experience, currently serving at Cetera and Cartier Wealth. His career includes roles at Ameriprise, National Life Group, and PricewaterhouseCoopers LLP. Outside of finance, he managed Good Neighbor Lawn Care for over a decade. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a multi-manager platform offering discretionary and non-discretionary portfolio management and financial planning services. The firm supports a variety of investment strategies and program structures with over 10,000 advisors and more than $256 billion in assets under management.

Christopher Testa is a financial advisor with LPL Financial in Southbury, CT, holding Series 63 and Series 66 designations and nine years of industry experience. His career includes roles at Webster Bank and Financial Resources Group. There are no additional outside activities reported. LPL Financial serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Robert Mckinnon III is a Series 66-licensed financial advisor with 10 years of industry experience. He is currently affiliated with Cambridge Investment Research Advisors and has previously worked at JL Glowka Wealth Management and Invest Financial Corporation. In addition to his advisory role, he owns a tax preparation business and serves on the Berlin Republican Town Committee. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, and charitable organizations by providing financial planning, investment management, and retirement plan advisory services. The firm offers various investment implementation platforms and strategies, including proprietary models and access to unaffiliated strategists, with services tailored to client objectives through a network of independent financial professionals.

Janet Parry is a financial advisor at Merrill with 31 years of industry experience. She has been with Merrill since 1994 and holds Series 63 and Series 65 licenses. Outside of her advisory role, she serves as a board member for the Farview Farm Association, a homeowners association in Redding, CT. Merrill 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 and profit-sharing plans, corporations, and charitable organizations.

Christopher Gavin is a financial advisor with LPL Financial, holding a Series 66 designation and over 23 years of experience in the industry. He has been with LPL Financial since 2019 and also operates Squareknot Advisory Partners LLC. Outside of his advisory work, he is involved in several business ventures including a food company and a consulting group. LPL Financial serves a wide range of clients including individuals, retirement plans, and institutions, offering financial planning, advisory programs, and brokerage services supported by extensive research and diverse portfolio management options.

Paul Shay is a financial advisor at OSAIC with 46 years of industry experience. He holds the ChFC® designation and has worked at Lincoln Financial Securities for 17 years. In addition to his advisory role, he is involved in life insurance sales and service. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors and multiple advisory platforms. The firm combines brokerage and investment advisory services, offering integrated portfolio management with access to third-party managers and employs various asset-allocation and risk management tools.

Stephen Harrington is a financial advisor at Edward Jones with nine years of industry experience. He has been with Edward Jones since 2017. Harrington holds a Series 66 designation. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies, access to separately managed accounts, affiliated mutual funds, and tax-efficient services, operating under a fiduciary standard.

Lydia Taft is a financial advisor with Ameriprise in Middlebury, CT, holding a Series 66 designation and two years of industry experience. Prior to her current role, she worked in various positions including at Farmhouse Tacos and Building Blocks Childcare & Preschool. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides tailored retirement planning advice focused on reliable income sources and tax-aware withdrawal strategies.

David Meade is a financial advisor with LPL Financial in Southington, CT, holding Series 63 and Series 65 designations and 28 years of industry experience. He previously worked for People's Securities, Inc. for 11 years before joining LPL Financial in 2018. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios from internal and third-party sources.