Ralph Johnston III is a financial advisor with United Planners' Financial Services of America and holds Series 63, 65, and 66 licenses. He has 27 years of industry experience and has been active as an insurance agent specializing in life and health insurance and fixed annuities since 2000. Johnston is a member of the WIDHAM Chamber of Commerce, a local networking group of business owners. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base that includes individuals, retirement plans, corporations, trusts, and institutions. The firm offers advisory and brokerage services through independent representatives and supports a range of investment and cash-management solutions across multiple custodians and third-party managers.

Philip Maliniak is a financial advisor with United Planners Financial Services of America, holding a Series 66 credential and 19 years of industry experience. His career includes roles at companies such as Greenwich Partners, PXP, LLC, and Financial Solutions Group. Outside of advisory work, he is involved in several real estate ventures and serves as a board member and vice president of a community and charitable organization in Virginia Beach. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base including individuals, retirement plans, corporations, trusts, and institutional clients. The firm offers advisory and brokerage services through independent representatives and employs a range of custodians and third-party money managers, with a significant portion of its assets managed on a non-discretionary basis.

Dennis Morin is a CFP® professional with 30 years of industry experience, currently affiliated with Commonwealth Financial Network. He has worked at GFA Financial Group and Commonwealth Financial Network since 2006. Outside of advising, he is an author. Commonwealth Financial Network serves a national network of advisors and their clients by providing advisory programs, technology, compliance, and practice-management support. The firm offers a variety of investment solutions, including discretionary model portfolios and customized advisory programs.

Ryan Howard is a Series 66-licensed financial advisor at Key Investment Services LLC with six years of industry experience. Prior to joining Key Investment Services in 2024, he worked for MML Investors Services and Mass Mutual Life Insurance Company from 2019 to 2024. His background also includes roles at WoodnTap and Plymouth State University. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through wrap-fee advisory programs, model portfolios, separately managed accounts, and related brokerage and insurance products. The firm emphasizes client-directed model selection and ongoing monitoring, providing access to third-party discretionary managers alongside rebalancing and supervisory oversight.

John Bernier is a CFP® professional with 43 years of industry experience. He has been with Cambridge Investment Research Advisors since 2010 and concurrently affiliated with Ing Financial Partners, Inc. and Cambridge Investment Research, Inc. since 2004. In addition to his advisory work, he operates as an independent insurance agent for various companies. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm provides financial planning, investment management, and retirement advisory services through a network of independent professionals, offering customizable portfolio solutions and proprietary as well as third-party investment strategies.

Benjamin Tomczak is a financial advisor with LPL Enterprise and holds Series 63 and Series 65 licenses. He has 11 years of industry experience, including roles at Prudential Insurance Company of America and Pruco Securities, LLC. Tomczak is also involved in the sales and service of insurance and investments through a related business entity. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and charitable entities. The firm emphasizes model-driven investment implementation and offers access to third-party asset managers, insurance products, and affiliated trust and lending services.

Horace Carryl Jr. is a financial advisor with Wells Fargo Clearing holding Series 65 and Series 63 licenses. He has experience in various roles at Wells Fargo Bank, Footlocker Inc., Target Corporation, and BJ's Wholesale Club. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Edward Myers is a financial advisor with LPL Financial in Vernon, CT, holding Series 63 and Series 65 designations and 43 years of industry experience. His prior roles include positions at Securities America Advisors, Securities America Inc., National Planning Corporation, and Main Street Management Company. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Dennis Rihm is a Series 66-registered financial advisor with Cambridge Investment Research Advisors, based in Manchester, CT, and has three years of industry experience. Before joining Cambridge, he spent 26 years at The Hartford Financial Services Group. Outside of his advisory role, he serves as an assistant scoutmaster for Boy Scout Troop 540 in Glastonbury, CT, and volunteers as a tax return preparer for AARP Tax-Aides in East Hartford. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals utilizing multiple custody platforms and a range of discretionary and non-discretionary strategies.

Matthew Couzens is a financial advisor with Ameriprise in Avon, CT, holding the ChFC® designation and Series 66 license. He has 22 years of industry experience, including 15 years with Ameriprise Financial Services, Inc. prior to joining Ameriprise in 2020. Outside of advising, he serves on the development board of the Cornerstone Foundation Inc. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, providing written recommendation reports that incorporate income sources, Social Security strategies, and tax-efficient withdrawals. The firm combines research, modeling, and algorithmic automation to deliver personalized, non-discretionary retirement income advice.

Janice Johnson is a CFP®-certified financial advisor with 27 years of industry experience, currently with Cambridge Investment Research Advisors, where she has worked for 15 years. She also maintains a background as a registered dietitian and serves as adjunct faculty teaching certified financial planning courses. Johnson holds board positions with the Town of Manchester Pension Fund and the Bennett Housing Authority, overseeing low-income housing for the elderly. Additionally, she is involved in independent insurance agency activities and tax planning and preparation. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and retirement-plan sponsors. The firm offers a variety of financial planning and investment management services through a network of independent professionals, utilizing multiple investment platforms and proprietary as well as third-party model strategies tailored to client objectives.

Michael Gisleson is a financial advisor at LPL Enterprise with Series 63 and Series 65 credentials and 27 years of industry experience. He has worked with Prudential Insurance Company of America since 1999 and transitioned to LPL Enterprise in 2024. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities through a network of investment adviser representatives. The firm primarily uses model-driven investment approaches and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Jessica Callahan is a financial advisor with Cetera, holding a Series 66 designation and 24 years of industry experience. She has worked with several Cetera entities since 2021 and spent seven years at Voya in various advisory roles. Cetera Investment Advisers LLC operates as a multi-manager platform serving individual, institutional, corporate, and charitable clients nationwide. The firm offers a range of portfolio management and retirement services, with over $256 billion in assets under management and more than 10,000 advisors across its network.

Thomas Brown is a financial advisor with Osaic Wealth, Inc. based in Coventry, CT, holding Series 63 and Series 65 credentials and possessing 38 years of industry experience. He has worked at Osaic Wealth since 2018 and previously at Signator Investors, Inc. from 2016 to 2018. Brown also has a longstanding role with the Charles G. Marcus Agency, where he has been involved in the sale and marketing of fixed annuities and non-variable insurance products since 1994. Additionally, he serves as trustee for his son's irrevocable testamentary trust. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary portfolio management, incorporating stocks, bonds, mutual funds, ETFs, and alternative investments.

Jillian Pelkey is a financial advisor at Charles Schwab with seven years of industry experience. She has worked at Charles Schwab and Charles Schwab Bank since 2018, and previously was with MacKinstry Financial & Investments LLC from 2016 to 2018. She holds a Series 66 designation. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, combining multi-asset model portfolios with centralized custody and operational support.

Josh Oliver is a financial advisor at LPL Financial with 23 years of industry experience. He holds the Series 63 and Series 65 credentials and has held positions at firms including Morgan Stanley, Lincoln Heritage Life Insurance Company, and Prudential Insurance Company of America. Oliver is also the owner of Oliver Consulting Group, LLC, a noninvestment-related business. 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 and brokerage services, including financial planning, model portfolio programs, and access to third-party asset management, supported by a broad platform and technology tools.

Jon Lindblom is a Series 66 licensed financial advisor with Thrivent Investment Management, where he has worked since 2015. He has 10 years of industry experience and serves as an elder on the council board of Union Congregational Church, overseeing church governance and operations. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits, delivering holistic goal-based analyses and written recommendations across a range of planning topics without providing portfolio management for institutional clients.

Marc Moreno is a financial advisor with Ameriprise, holding Series 63 and Series 66 credentials. He has been with Ameriprise since 2025 with prior experience at companies including Wayfair and TEKsystems. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning advice. The firm emphasizes tax-aware withdrawal strategies and uses research, third-party data, and algorithmic tools to support its recommendations within a defined investment universe.

Paxton Heinrich is a financial advisor with Thrivent Investment Management in Manchester, CT, holding a Series 66 credential and one year of industry experience. Prior to his current role, he worked at Manchester Mazda and Monaco Ford, among other positions outside financial services. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering in-depth written recommendations across various planning areas such as retirement, tax, and estate planning. The firm emphasizes holistic, goal-based analyses and allows clients to combine planning with managed-account programs under a consolidated billing option called “WealthPlan.”

Nathanael Di Salvatore is a financial advisor at Cetera with a Series 66 designation and three years of industry experience. He previously worked at Avantax Advisory Services and Avantax Investment Services Inc. Di Salvatore also has experience as a tax associate at Cour Tax Consultants and provides administrative and tax support at Captain Hale Financial. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering both discretionary and non-discretionary portfolio management through a multi-manager platform with access to various model portfolios and third-party managers.