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, holding Series 63 and Series 65 credentials and over 32 years of industry experience. She previously worked at Merrill for 12 years before joining Wells Fargo in 2016. Outside of her advisory role, she manages power of attorney responsibilities related to caregiving for her spouse. 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 employs a large network of advisors and utilizes research and analytics to support diversified investment strategies across a broad range of products.

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 at Cambridge Investment Research Advisors with seven years of industry experience. He holds the Series 66 designation and has worked previously 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 individual, institutional, pension, and charitable organization clients. The firm provides financial planning, investment management, retirement-plan advisory, and wrap-fee programs, operating through thousands of financial professionals and managing a multi-billion dollar asset base across multiple platforms and custodians.

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 at Merrill Lynch Wealth Management with over 25 years of experience. He holds the Certified Plan Fiduciary Advisor® (CPFA®) and Certified 401(k) Professional (C(k)P®) designations and is a Portfolio Manager within Merrill's Investment Advisory Program. Christopher specializes in working with physicians, business owners, and multigenerational families, focusing on personal retirement planning and business 401(k) plans. His approach emphasizes education and simplification, guiding clients through financial decisions with clear, understandable explanations. Christopher leads a team supported by Trust and Mortgage Specialists, collectively bringing more than 125 years of experience to assist clients in achieving their financial goals. He also provides portfolio management services, including personalized and defined investment strategies that may incorporate individual stocks, bonds, Merrill model portfolios, ETFs, and third-party strategies. Christopher is a U.S. Navy and Desert Storm Veteran and holds a High School Diploma from Eli Whitney. He is involved with community organizations including the Connecticut Food Bank, Red Cross, Take a Vet Fishing, and the Wounded Warrior Project. Personal interests include baseball, boxing, chess, football, genealogy, music, photography, reading, spending time with family, and watching movies.

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 bringing 18 years of industry experience. She worked at National Planning Corporation for nine years before joining OSAIC in 2017. Outside of her advisory role, she owns Valerio Tax Edge, providing tax preparation and small business bookkeeping services, and is an active member of the Milford Regional Chamber of Commerce and the Network of Executive Women. OSAIC Wealth serves a diverse range of clients, including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through multiple programs. The firm utilizes a model-based investment approach emphasizing asset allocation and portfolio optimization, supported by various strategies and third-party managers.

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.

Matthew Christopher is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with LPL Financial and its predecessor firms since 2000. Outside of his advisory role, he is involved in non-variable insurance businesses including fixed annuities. 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 financial planning and investment management services through a network of advisors, supported by various advisory platforms and tools.

Mark Wingfield is a financial advisor with Morgan Stanley in Madison, CT, holding Series 65 and Series 63 licenses and having two years of industry experience. His prior roles include positions at LPL Financial, Northwestern Mutual, and Allstate, among others. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured discovery conversations and planning tools, including the Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations, to support financial planning.

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.

John Barnes is a financial advisor at Morgan Stanley with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009. Prior to that, he was with Citigroup Global Markets for 11 years. Barnes serves on the Finance Committee of St. John's Episcopal Church in West Hartford and participates in the Nominating Committee of the Hartford Golf Club. Morgan Stanley Wealth Management provides a range of advisory and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm uses structured discovery and planning tools to develop tailored financial plans, with a broad offering that includes institutional and retail investment programs.

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.

Ashmal Baig is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials. Baig has been with Wells Fargo since 2022 and previously worked in retail and education sectors. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, providing investment advisory, financial planning, and retirement plan consulting services. The firm utilizes research from Wells Fargo Investment Institute and third-party sources, applying diversification principles and modern portfolio theory in its investment evaluations.