Michael Cirullo is a Senior Financial Advisor and Senior Vice President at Merrill Lynch Wealth Management, as well as a co-founding partner of Cirullo and Sullivan Wealth Management. He serves as a Retirement Benefits Consultant (RBC) for Merrill Lynch, where he is responsible for employee benefit plan review and investment strategy oversight. Michael is also a co-architect of the team’s goals-based retirement probability analytics platform, working closely with high net worth individuals and closely held businesses to develop long-term investment and banking solutions. Michael began his career in 1978 with EF Hutton and Company as an investment advisor and later joined Smith Barney in 1989, spending 22 years in Private Wealth Management. He transitioned with his team to Merrill Lynch Wealth Management in 2011. He holds a Bachelor of Arts degree from Brown University and maintains professional designations as a Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Michael is actively involved in his local community and is a member of the XPX Exchange of Connecticut. He resides in Hartford, CT with his wife, Lisanne.

Brian Oconnell is a financial advisor with LPL Financial in Hebron, CT, holding Series 63 and Series 65 registrations and bringing 29 years of industry experience. He worked at PRUCO Securities, LLC from 1998 to 2010 before joining LPL Financial, where he has been since 2010. Outside of his advisory role, he is involved with O’Connell Wealth Management, a business associated with his LPL activities. 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, utilizing both proprietary research and third-party strategies.

Kevin Tabellione is a CFP® professional with 33 years of experience in the financial industry. He is currently associated with RBC Capital Markets and City National Bank, having worked at RBC Capital Markets since 2008 and City National Bank since 2019. He serves on the boards of two nonprofit organizations, Cherish the Children Foundation and Carry My Brother, Inc., where he is involved in securing sponsorships and fundraising efforts. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, providing discretionary and non-discretionary portfolio management alongside financial planning and brokerage services.

Dean Laprade is a financial advisor at Cetera with 25 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Cetera since 2019. Prior to that, he spent 19 years with Foresters Financial, including a role at Foresters Advisory Services LLC. Cetera Investment Advisers LLC is an SEC-registered advisor that serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with a variety of portfolio management options and program structures, overseeing over $256 billion in assets under management.

Cathy Pinard is a Series 66-licensed financial advisor with Cambridge Investment Research Advisors, where she has worked since 2015. She has 25 years of industry experience and maintains a CPA designation, operating her own CPA practice since 1992. Pinard serves as a board member of the Wentworth Park Association in South Windsor, CT. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations. The firm provides financial planning, investment management, and retirement-plan advisory services through multiple platforms and proprietary model strategies.

Sam Grosso is a financial advisor with LPL Financial in Manchester, CT, holding Series 63 and Series 66 registrations and nine years of industry experience. His prior roles include positions at Ameriprise Financial Services, Bank of America, Merrill, and Northwestern Mutual Investment Services. Outside of his advisory work, Grosso serves on the Board of Directors for the Fairfield Emerging Leaders Organization and works as a part-time ski instructor at Stratton Mountain. 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 other institutions. The firm offers a range of financial planning and investment management solutions, delivering advice primarily through investment adviser representatives who utilize model portfolios, third-party subadvisors, and customized strategies.

Sandra Baranowski is a CFP® professional with 28 years of industry experience, currently serving with Cambridge Investment Research Advisors since 2012. Prior to this, she worked at Avantax Advisory Services for seven years. Outside of her advisory role, she is involved in community activities including serving as a Girl Scout troop leader, a Boy Scouts committee member, and a nursery school board member. Cambridge Investment Research Advisors serves a broad mix of individual and institutional clients by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of Financial Professionals and manages a multi-billion dollar asset base across multiple platforms and custodians.

Michael Mendoza is a financial advisor with LPL Financial, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 27 years of industry experience and previously operated Mendoza & Associates, Inc. for nearly two decades. 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 provides a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Victoria Mathews is a financial advisor at Merrill with 13 years of industry experience. She holds Series 63 and Series 66 registrations and has worked at Merrill and Bank of America, N.A., with a brief tenure at Goldman Sachs. She serves as a trustee for a family trust outside of her advisory role. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Kent Byrd is a financial advisor at UBS Financial Services with three years of industry experience. He holds a Series 66 designation and has prior experience at Silicon Valley Bank in both the U.S. and Canada. His work history also includes time at Boothbay Harbor Country Club and a period of extended travel. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services. The firm’s approach combines proprietary capital market assumptions and model-based asset allocations with research from its Chief Investment Office and UBS Global Research to tailor client strategies across planning and portfolio management.

Michael Brooks is a financial advisor at Morgan Stanley in Hartford, CT, holding a Series 66 designation. He joined Morgan Stanley in 2025 and has prior experience including operating M&M Detailing LLC and working at Black Jax Saloon. Brooks attended Central Connecticut State University from 2021 to 2025. Morgan Stanley Wealth Management offers advisory programs to individuals and institutions, providing tailored financial planning supported by firm-approved tools and structured discovery processes. The firm manages approximately $2.74 trillion in client assets and combines broad retail and institutional offerings with a range of specialized investment activities.

Kirsten Tate is a financial advisor with RBC Capital Markets in Glastonbury, CT, holding Series 63 and Series 66 designations and having 24 years of industry experience. She has worked at City National Bank since 2019 and has been with RBC Capital Markets Corporation since 2008. Outside of her advisory role, she serves as a committee member at the Universalist Church of West Hartford, assisting with the congregation’s financial coordination. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm provides a range of advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, supported by notable capital markets and affiliated asset management capabilities.

Jennifer Phillips is a Series 66 licensed financial advisor with Edward Jones in Glastonbury, CT. She has nine years of experience with Edward Jones, beginning in 2017, and eight years of industry experience overall. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including a range of household types, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets through a large network of financial advisors and offers various advisory strategies alongside affiliated mutual funds and other investment services.

Cecilia Bettencourt is a Series 66-licensed financial advisor with UBS Financial Services, based in Hartford, CT. She has 18 years of industry experience and has been with UBS since 1998. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and offers proprietary research and affiliated lending programs.

Barbara Davis is a financial advisor with Ameriprise in Manchester, NH, holding a Series 66 designation and 24 years of industry experience. She has been with Ameriprise and its predecessor entities since 2013. Outside of her advisory role, she is involved with The Halpin Company as an RP Delegate, supporting supervision of financial advisors. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and adaptive advice, delivering non-discretionary recommendations through a centralized consulting team.

Gary Paul Jr. is a financial advisor at LPL Financial with 21 years of industry experience. He holds a Series 66 designation and has worked previously at Lincoln Financial Advisors and Ameriprise. 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 financial planning, model portfolio programs, third-party asset management, retirement advice, and institutional platforms, supporting a large network of advisors with both discretionary and non-discretionary investment strategies.

Kelsey Conklin is a CFP® professional affiliated with Raymond James Financial, bringing 15 years of industry experience. Prior to joining Raymond James in 2025, Conklin spent 14 years with Commonwealth Financial Network. Outside of advising, Conklin is involved with Capital Wealth Management, LLC in Glastonbury, CT, where they participate in insurance sales recommending fixed insurance products to clients when appropriate. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports a broad advisor network with specialized municipal and employer advisory services.

Justin Perez is a financial advisor with Cetera and holds a Series 66 license. He has four years of industry experience and previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. He is also involved with Riverview Financial Partners, a business operating under Cetera. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services, operating a multi-manager platform with access to both affiliated and third-party managers.

Xochil Rivera is a Series 66-licensed financial advisor with MassMutual Investors Services, bringing 10 years of industry experience. She has been associated with MassMutual Life Insurance Co since 2016 and MML Investors Services, LLC since 2017. Outside of her advisory role, Rivera serves as president of Jaxon in Action, a nonprofit organization focused on event organization. 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 offers comprehensive financial planning, asset management, and educational seminars, using firm-approved tools to develop collaborative, annual financial plans tailored to client goals.

Douglas Beerbower is a Wealth Management Advisor at Merrill Lynch Wealth Management with 25 years of experience at the firm. He leads the team's Investment Advisory Program services and serves as the operational leader. In his role as a Senior Portfolio Manager, he manages Personalized or Defined Strategies on a discretionary basis, which may include individual stocks and bonds, Merrill Lynch model portfolios, and third-party investment strategies. Doug works with individuals and families to align investment strategies with their long-term goals. He holds multiple professional designations, including Certified Financial Planner (CFP®), Certified Portfolio Manager (CPM®), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a bachelor's degree from Michigan State University. Doug resides in Simsbury with his wife and three sons.