Kevin Vesey is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 66 designations and has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, providing tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and models.

Tanuja Katre is a financial advisor at Merrill with eight years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Merrill since 2021. Prior to that, she was employed at Wells Fargo Clearing and Wells Fargo Bank, N.A. Katre is a co-owner of a rental property in Bengaluru, India, alongside family members. Merrill offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, providing a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Mark Durkin is a financial advisor with Edward Jones in West Nyack, NY, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. Prior to joining Edward Jones in 2024, he operated MVDurkin LLC for a decade. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a broad range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products. The firm manages approximately $1.01 trillion in assets and is recognized for its extensive retail advisor network and additional affiliated financial services.

Bradley Silverman is a financial advisor with Raymond James Financial, holding a Series 66 designation and 22 years of industry experience. He has been associated with The Silverman Group and C & B Wealth Management since 2013, where he is a co-owner of the latter. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm offers financial planning and non-discretionary investment consulting, frequently working in an advisory and implementation-support role rather than as a delegated manager.

Michael Taylor is a financial advisor with Wells Fargo Clearing in Danbury, CT, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. Their advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among their investment offerings.

Timothy Loeffler is a financial advisor with Mass Mutual Investors Services, holding CFP® and Series 66 designations and having 10 years of industry experience. His prior experience includes roles at MetLife Securities Inc. from 2015 to 2017. Outside of advising, he operates as an independent insurance agent focusing on life, fixed annuities, disability, long-term care, health, and property/casualty insurance, and he is a partner in a limited liability company that manages business expenses related to his insurance and investment activities. 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 ongoing financial planning, asset management, and educational seminars, using firm-approved software to analyze client goals and deliver written recommendations.

Wendy Holmes is a financial advisor with UBS Financial Services in Armonk, NY, holding Series 63, 65, and 66 credentials and bringing 23 years of industry experience. She has been with UBS since 2015. Outside of her advisory work, she serves on the Board of Directors for East Side House Settlement and participates in advisory roles with the Breast Cancer Research Foundation and the American Heart Association, where she also contributes to the investment committee of the national endowment. UBS Financial Services serves individual, corporate, and institutional clients through a broad range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management and proprietary research to tailor client solutions.

Michael Kouroupakis is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has three years of industry experience, primarily with MassMutual and its affiliates since 2021. Outside of advisory work, he is also an independent insurance agent focused on life insurance, disability, long-term care, fixed annuities, and health insurance. MassMutual Investors Services 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, structuring planning engagements as annual, collaborative relationships without discretionary authority over client investments.

Dennis Tracy is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He previously worked at Oppenheimer for 12 years before joining Ameriprise Financial Services Inc. and then Ameriprise. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria, delivering personalized recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis through a centralized consulting team, while offering a broad range of advisory, brokerage, and insurance solutions.

James Olivo is a financial advisor with Merrill in Ridgefield, CT, holding Series 63 and Series 66 designations and bringing 24 years of industry experience. He has been with Merrill since 2006. Outside of his advisory role, Olivo is involved with Ledley Food Service in a non-investment capacity. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Joseph Divestea is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has worked at Raymond James since 2016 and previously held roles at Bank of America and Merrill. Outside of his advisory work, he is the owner of MDJM LLC, a business through which he leases commercial office space to Raymond James. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations, with a notable focus on public finance and municipal work alongside its wealth advisory and institutional consulting services.

Rajesh Malhotra is a financial advisor with Mass Mutual Investors Services in Stamford, CT, holding Series 63 and Series 66 credentials and 18 years of industry experience. He has been with Mass Mutual since 2019 and previously worked as a self-employed consultant and trading mentor, providing educational seminars on financial market dynamics. Additionally, he serves as an independent insurance agent focusing on life, disability, long-term care insurance, fixed annuities, and health products. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning, asset management, and educational seminars to individuals, business owners, trusts, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements using firm-approved software and provides various event-driven planning services, including estate and divorce planning.

Richard Harnett Jr. is a financial advisor at Merrill with 18 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Bank of America and Merrill since 2016. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a variety of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Mark Carruthers is a Certified Financial Planner (CFP®) with 29 years of industry experience. He has been affiliated with Cetera and Cetera Financial Specialists LLC since 2005 and has operated Hudson Valley Financial Services since 2018. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management, financial planning, and retirement services, utilizing a multi-manager platform that supports discretionary and non-discretionary strategies across multiple program structures and custodial relationships.

Robert Guere is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has spent his entire career in financial services, focusing on helping clients solve complex financial issues and achieve their goals. Robert works closely with clients to develop personalized financial strategies that align with their long-term objectives. Robert's expertise includes college education planning, executive compensation, family wealth management strategies, legacy planning, personal retirement planning, sports and entertainment, and retirement income. His approach emphasizes understanding each client's unique financial situation and creating tailored plans to help manage investment risk and pursue financial goals. He holds a Bachelor's Degree from Western Connecticut State University and has earned professional designations including Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Sports & Entertainment (SE). Robert is also active in his community as a member of the Rotary Club of Monroe. In his personal time, Robert enjoys baseball, golfing, music, reading, soccer, and spending time with his family.

Tomomi Trudell is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. She holds Series 66 and Series 63 credentials and has worked with J.P. Morgan Securities since 2012 and J.P. Morgan Chase Bank, N.A. since 2009. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment process.

Frank Calderone is a financial advisor with Raymond James Financial Services Advisors Inc. in Armonk, NY, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has been with Raymond James since 2013. Outside of his advisory role, he is a bass player in the HeadFirst band. Raymond James Financial Services Advisors serves a diverse client base including individual investors, high-net-worth and non-high-net-worth clients, pension and profit-sharing plans, charitable organizations, corporations, and governmental entities. The firm provides financial planning and non-discretionary investment consulting supported by a wide range of resources and external managers.

Maria Frattaroli is a financial advisor at Merrill with 32 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Merrill since 1991. Merrill offers managed account services through its Select Portfolio Solutions program, serving a broad client base including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm integrates model-based, discretionary, and related investment strategies within Bank of America’s platform, providing access to a wide range of products and services.

George Mitchell Jr. is a CFP®-certified financial advisor with 41 years of industry experience. He is currently with MassMutual Investors Services and previously worked for The Windmill Group, Inc. He also maintains an outside insurance brokerage focused on life, disability, long-term care, fixed annuities, and health insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, emphasizing collaborative annual planning relationships and a range of event-driven planning services.

Oskar Agaronov is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2019. Prior to that, he was with E1 Asset Management, Co. for six years. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.