Joseph Falcone is a financial advisor with LPL Financial, holding Series 63 and Series 66 certifications and bringing 26 years of industry experience. His prior roles include positions at Janney Montgomery Scott, UBS Financial Services, Waddell & Reed, Inc., and Oxford High School. He has been with LPL Financial since 2019. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and institutional platforms, utilizing both proprietary and third-party investment strategies across various asset classes.

Theodore Davis is a financial advisor at Ameriprise with 17 years of industry experience. He holds Series 65 and Series 66 licenses and has been with Ameriprise and its related entities since 2011. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and delivers recommendations through a centralized consulting team in partnership with its financial advisors.

Fay Sheppard is a financial advisor with Wells Fargo Clearing in Orange, CT, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She has worked with Wells Fargo entities since 2009, including Wells Fargo Advisors LLC and Wells Fargo Clearing. Outside of her advisory role, she manages power of attorney responsibilities for her spouse, including selecting caregivers and overseeing related administrative tasks. Wells Fargo Clearing provides retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

John Wostbrock is a financial advisor at Cetera with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has previously spent 28 years with Avantax Advisory Services and Avantax Investment Services. In addition to his advisory role, he is the owner of a tax preparation and accounting firm. Cetera Investment Advisers LLC operates as a multi-manager platform serving individual, corporate, charitable, and institutional clients. The firm provides a range of portfolio management and retirement services through a nationwide network of independent advisors.

Ryan Breen is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and bringing seven years of industry experience. His prior roles include positions at Edward Jones, PartnerRe Asset Management, and White Mountains Advisors LLC. Breen is also active as an independent insurance agent for various agencies. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts by providing financial planning, investment management, and retirement plan advisory services. The firm offers a range of investment solutions through independent financial professionals, utilizing multiple custody platforms and proprietary as well as third-party model strategies.

Michael Taverner is a financial advisor with LPL Financial in Guilford, CT, holding a Series 66 credential and 20 years of industry experience. His prior roles include positions at Ameriprise Financial Services, Morgan Stanley, Citigroup Global Markets, and UBS Financial Services. Outside of his advisory work, he is a business owner of Global Beaute LLC, a company involved in bathroom remodeling. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions supported by advanced research tools and serves more than 22,800 advisors overseeing significant discretionary assets.

Christopher Ratineri is a Senior Financial Advisor with over 25 years of experience at Merrill Lynch Wealth Management. He focuses on serving business owners, physicians, and multigenerational families by providing guidance on personal retirement planning and managing workplace 401(k) plans. As a Portfolio Manager within Merrill's Investment Advisory Program, he manages personalized investment strategies on a discretionary basis, which may include individual stocks and bonds, Merrill Lynch model portfolios, ETFs, and third-party investment strategies. Christopher holds several professional designations, including Certified Plan Fiduciary Advisor® (CPFA®), Certified 401(k) Professional (C(k)P®), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned his High School Diploma from Eli Whitney. A U.S. Navy and Desert Storm Veteran, Christopher carries the values of service, discipline, and integrity into his financial career. His approach to financial readiness emphasizes education and simplification, providing clients with clear guidance throughout each step of their financial planning. Christopher works alongside a seven-person team, including Trust and Mortgage Specialists, offering a combined experience of over 125 years. Outside of his professional work, he is involved with community organizations such as the Connecticut Food Bank, Red Cross through regular blood donations, Take a Vet Fishing, and the Wounded Warrior Project. He is also a husband, father, martial artist, and enthusiast of pop culture art, technology, reading, behavioral economics, and market technical analysis.

Thomas Melfi is a financial advisor with MassMutual Investors Services in Shelton, CT, holding a Series 66 designation and eight years of industry experience. Prior to joining MassMutual in 2017, he worked at The Marcus Law Firm for two years. Outside of advising, he is a non-practicing attorney licensed in Connecticut, owner of Nighthawk Brewing LLC, and involved in media projects through Wooster Street Media LLC, focusing on news aggregation and written content. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, using firm-approved analytical tools and structured planning engagements.

Cole Billington is a CFP® with four years of industry experience, currently affiliated with Mass Mutual Investors Services. He previously worked at Brown Brothers Harriman for seven years. Outside of his primary role, he also works as an insurance broker specializing in life, disability, long-term care, and fixed annuities. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative, annual planning relationships using firm-approved software tools.

Tessa Bridges is a financial advisor with Merrill, holding a Series 66 designation and five years of industry experience. She previously worked at UBS Financial Services and has experience outside finance, including a role at Gusto Trattoria Italian Restaurant. 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 individuals, high-net-worth clients, and institutional investors.

Byron Eller is a financial advisor with Fidelity Investments, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. His prior roles include positions at Prudential Annuities Distributors and Prudential Insurance Company of America. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to both retail and institutional clients. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, model portfolios, and fund advisory services.

Lisa Valerio is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and 17 years of industry experience. She worked at National Planning Corporation for nine years before joining OSAIC in 2017. In addition to her advisory role, she owns a tax preparation and small business bookkeeping service and participates in local business and women’s leadership organizations in Milford, Connecticut. OSAIC serves a broad range of retail and institutional clients through a large network of financial advisers, offering integrated brokerage and investment advisory services and access to multiple advisory platforms and third-party money managers. The firm utilizes asset-allocation tools and efficient-frontier analysis to construct diversified portfolios tailored to client risk profiles.

Jonathan De Pino is a financial advisor at Mass Mutual Investors Services with a Series 66 designation and one year of industry experience. Prior to joining the firm, he held various roles including positions at United Concrete Products and National Fitness Partners. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative, annual financial planning engagements and a range of event-driven planning programs.

Joel Bernstein is a financial advisor with Mass Mutual Investors Services in Shelton, CT, holding a Series 66 designation and 21 years of industry experience. He previously worked at MetLife Securities from 2013 to 2017 and has been associated with Massachusetts Mutual Life Insurance Company since 2016. Bernstein is also an independent insurance agent, selling various insurance products including dental, disability, life, and long-term care coverage. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, with planning engagements structured as annual, collaborative relationships using advanced analytical tools.

Darryl Zebrowski is a financial advisor at Edward Jones with 25 years of industry experience. He has held the Series 63 and Series 66 designations and has been with Edward Jones since 2000. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a large network of advisors and offers a range of advisory programs including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Peter Velcofsky is a financial advisor at Ameriprise with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Ameriprise and its affiliated entities since 2009. Outside of his advisory role, he serves on the Board of Directors and as Assistant Treasurer of the Town of East Lyme Public Library. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Murali Chegu is a financial advisor at LPL Enterprise with a Series 66 designation and no prior industry experience. His work history includes roles at SAITCORE Technologies LLC, Connexus Credit Union, and Selective Insurance. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and various affiliated services such as trust custody and insurance product sales.

Michael Moran is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. His career includes roles at Minnesota Life and Securian Financial Services Inc. for 20 years, as well as ownership of The Hired Brush, a residential interior painting business. Outside of finance, he is an artist and a football official. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to a multi-manager platform with options ranging from model portfolios to bespoke strategies.

Michelle Castellucci is a financial advisor at LPL Financial with 14 years of industry experience. She holds Series 63 and Series 66 designations. Prior to joining LPL Financial, she worked at Wells Fargo in various capacities for 18 years, including roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a network of investment adviser representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and institutions, offering services such as financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Tanya Parker is the Branch Leader at Fidelity Investments' New Haven Investor Center. In this role, she focuses on delivering wealth planning strategies that help clients understand their financial goals, develop and maintain their relationship with Fidelity, and work towards a confident financial future. She has held the position of Branch Leader at Fidelity since 2023. Prior to this, Tanya worked as a Registered Wealth Management Client Associate at Merrill Lynch from 2018 to 2023, and as a Senior Regional Sales Consultant at Prudential Annuities from 2008 to 2016. Her professional experience spans wealth management, client relationship development, and financial planning. Outside of her professional work, Tanya enjoys activities such as spending time at the beach, gardening, hiking, and traveling.