Matthew Cole is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works directly with clients to define their financial goals and develop portfolio strategies tailored to their needs. He provides ongoing advice and adjusts strategies as clients' circumstances evolve. Matthew's expertise encompasses general investing, retirement planning, and preparing for unforeseen life events. He emphasizes understanding what is important to each client and collaborates with them to create personalized financial plans. He holds a Bachelor's Degree from Fairfield University and has earned the Personal Investment Advisor (PIA) designation. Outside of his professional work, Matthew has interests in basketball, golfing, and soccer.

Shane Henderson is a financial advisor at Fidelity with one year of industry experience. He holds a Series 66 designation and has previous experience working at hospitality and recreation-related businesses, including Fresh Salt: Saybrook Point Inn Resort & Marina and Waters Edge Resort and Spa. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as a registered commodity pool operator and offers advisory services to multiple registered investment companies and fund-of-funds.

Steven Baklas is a Financial Advisor at Merrill Lynch Wealth Management. He works closely with individuals, families, and businesses to understand their priorities and help them pursue their financial goals through personalized strategies. His approach involves forming long-lasting relationships and guiding clients through various objectives, including business growth, legacy planning, education funding, retirement planning, and asset protection. His expertise spans family wealth management strategies, legacy planning, liquidity management, managing new wealth, retirement planning, portfolio management services, small business strategies, investment strategy for individuals and corporations, tax minimization, and retirement income. Steven holds the Personal Investment Advisor (PIA) designation and has earned a Master of Business Administration (MBA) as well as a Bachelor's Degree, both from the University of Connecticut. He is proficient in English, Greek, and Spanish. Outside of his professional work, Steven has interests in activities such as adventure sports, baseball, basketball, chess, cooking, football, gardening, pickleball, traveling, and watching movies.

Celeste Barham is a financial advisor with Wells Fargo Clearing in New Haven, CT, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She previously worked at A. G. Edwards & Sons, Inc. for 12 years before joining Wells Fargo in 2016. 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 supported by research from Wells Fargo Investment Institute and third-party sources.

Danielle La Riviere is a financial advisor at Merrill with 17 years of experience at the firm and seven years in the industry. She holds a Series 66 designation. Outside of her advisory work, she is a member of DEUX ELLES, LLC, an inactive management consulting LLC. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for a range of clients including individuals, high-net-worth clients, and charitable organizations.

Wayne Card is a financial advisor at UBS Financial Services with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2009. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a broad range of services supported by proprietary research and capital markets expertise.

Christopher Johnson is a financial advisor at LPL Financial with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Private Advisor Group, LLC, PFS Investments Inc, and Primerica Financial Services. Outside of his advisory roles, he has been involved with Hamden Public Schools and owns Rocky's Aqua, a business he has operated for over 17 years. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice delivered primarily through investment adviser representatives who utilize a range of discretionary and non-discretionary strategies.

Steven Silverman is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and 36 years of industry experience. His prior roles include positions at Pruco Securities, LLC and Prudential Insurance Company of America, where he has worked since 1990, as well as experience with the State of Connecticut and Central Connecticut State University. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, employer-sponsored retirement plans, and institutional clients. The firm primarily employs model-driven investment strategies and offers financial planning, access to third-party asset managers and TAMPs, as well as affiliated trust and insurance services.

Daniela Gerhard is a financial advisor with Mass Mutual Investors Services and holds the Series 63 and Series 65 licenses. She has 20 years of industry experience, including roles at Mass Mutual Investors Services since 2017 and Massachusetts Mutual Life Insurance Company since 2016. In addition to her advisory work, she is involved in coaching and teaching workshops focused on growth mindset and coaching fundamentals. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements using firm-approved tools and offers specialized programs such as divorce planning and employer-sponsored planning.

Brooke Hourigan Bertholf is a financial advisor with Mass Mutual Investors Services, holding a Series 66 credential and 26 years of industry experience. Her career includes positions at Metlife Securities and Metropolitan Life Insurance from 2001 to 2017, followed by roles at Mass Mutual Investors Services and Massmutual Life Insurance Co since 2016 and 2017 respectively. Outside of her advisory work, she is an insurance agent focusing on various insurance products and a co-owner of an LLC for investment properties. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning, asset management, and educational seminars to individuals, business owners, and organizations. The firm structures financial planning as an annual, collaborative process using firm-approved tools and offers specialized services including event-driven planning such as divorce and estate settlement.

Catherine Andersen is a financial advisor with LPL Enterprise and holds Series 63 and Series 65 licenses. She has five years of industry experience, including prior roles at Wells Fargo Clearing and JP Morgan Securities. Andersen is involved in a non-variable insurance business related to her advisory work. LPL Enterprise provides investment advisory and brokerage services to a broad client base, including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm uses a model-driven investment approach and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

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.

Louis Follo is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and over 42 years of industry experience. He has been with LPL Financial and its predecessor firms since 1994. Outside of his advisory role, he is involved in non-variable insurance sales. 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 portfolios, and institutional platforms, supporting advisors with both proprietary research and third-party strategies.

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.