Heidi Whelahan is a Planning Consultant at Fidelity Investments, where she collaborates with clients to develop financial plans aimed at enhancing their families' financial well-being. She has held several roles at Fidelity Investments, including Relationship Manager from 2024 to 2025 and Financial Representative from 2023 to 2024. Her experience encompasses client relationship management and financial planning. Outside of her professional responsibilities, Heidi has interests in beach activities, cooking and baking, gardening, skiing, and volunteering.

Mark Franco is a financial advisor with LPL Financial in North Haven, CT, holding Series 63 and Series 65 licenses and 34 years of industry experience. His prior roles include positions at Benjamin F. Edwards & Company, Inc., Wells Fargo Clearing, and A. G. Edwards & Sons, Inc. Outside of his advisory work, he is involved with a non-investment-related business, UGNTERPRISES. 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 services including financial planning, model portfolios, and third-party asset management, with advisory strategies that can be discretionary or non-discretionary and span multiple asset allocation approaches.

Joseph Furlong is a financial advisor with Morgan Stanley in Fairfield, CT, holding Series 63 and Series 65 licenses and with 29 years of industry experience. He previously worked at UBS Financial Services from 1997 to 2022 before joining Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. in 2022 and 2023, respectively. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using tools such as Global Investment Committee Secular Return Estimates and Monte Carlo simulations.

Brenda Catugno is a financial advisor at OSAIC with 29 years of industry experience. She holds the ChFC® designation along with Series 63 and Series 65 licenses. Her prior experience includes roles at Securities America Advisors, Inc., Investacorp Advisory Services, Chase Investment Services Corp., MSI Financial Services, Wells Fargo Clearing, and Prudential Equity Group. Catugno is also a Certified Divorce Financial Analyst and teaches adult financial literacy programs in various Connecticut towns. OSAIC Wealth serves a diverse range of clients, including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach focuses on model-based asset allocation and portfolio optimization, supporting various managed account strategies and third-party money manager programs.

Steven Cohen is a financial advisor with MassMutual Investors Services, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has worked at firms including JPMorgan Chase and Instacart. Outside of his advisory role, Cohen performs live music. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes collaborative, annual planning engagements using firm-approved analytical tools and offers specialized programs including divorce planning and estate-settlement services.

Amy Terzakis is a financial advisor with Morgan Stanley in Orange, CT, holding a Series 66 designation and 19 years of industry experience. She has been with Morgan Stanley since 2014 and previously worked at Citigroup Global Markets from 2007 to 2009. Morgan Stanley Wealth Management serves individual and institutional clients by providing a wide range of advisory programs, including tailored financial and estate planning. The firm employs a structured financial planning process using firm-approved tools and investment committee insights to assist clients in developing their plans.

Edward Kwiatkowski is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association and Morgan Stanley Smith Barney since 2012. He serves on the finance committee of The Shore and Country Club in Norwalk, Connecticut. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and a broad suite of investment services.

Sabra Donovan is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 40 years of industry experience. Her prior roles include positions at MetLife Resources and MassMutual Life Insurance Company. She also works as an independent insurance agent, providing life, long-term care, fixed annuities, health, and disability insurance. Mass Mutual Investors Services 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, employing firm-approved software and collaborative planning processes.

Tran Nguyen Tran is a financial advisor at Merrill with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms including Bank of America, Equitable Advisors LLC, and Pruco Securities LLC. Outside of his advisory role, Tran is a managing member of Trizzy Tran LLC, where he creates fashion and makeup marketing materials for brands. 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, pension plans, corporations, and charitable organizations.

Frederick Cotton is a financial advisor with LPL Financial, holding a Series 66 designation and 20 years of industry experience. He has worked at LPL Financial since 2020 and previously held roles at Securities America Advisors, SSN Advisory, Ameritas Investment Company, and Retirement Planning Partners LLC. Outside of his advisory role, Cotton is involved in non-variable insurance activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management services through a large network of investment adviser representatives.

Brad Gaglione is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Private Bank, National Association, and Morgan Stanley Smith Barney LLC since 2015. Outside of his advisory role, he serves as a trustee and co-trustee for trusts in Connecticut. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with tailored financial planning and investment advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and methodologies.

Colleen May is a CFP® certified financial advisor with Fidelity in Fairfield, CT, bringing nine years of industry experience. Her career includes roles at Fidelity Investments since 2017, along with prior experience at Providence College and ParsonsKellogg. She is part of Strategic Advisers LLC, a Fidelity Investments company that offers investment management and advisory services to retail and institutional clients. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified portfolios, including model portfolios delivered to intermediary platforms.

Sandra Senich is a financial advisor at Merrill with 24 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Merrill since 2009. Prior to that, she worked at Bank of America, N.A. since 2004. Outside of her advisory role, she serves on several nonprofit boards, including as Director of THE UCONN CLUB and Vice Chair of the Mattatuck Historical Society, and is involved in charitable fundraising and community arts organizations. 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 supported by internal and third-party managers, serving individuals, high-net-worth clients, and various institutional clients.

Gerald Janosko is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 licenses and has 33 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and was previously with MetLife Securities Inc. from 2011 to 2017. Janosko also works as an independent insurance agent, selling various insurance and Medicare-related products. 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 provides ongoing financial planning, asset management, and educational seminars, structuring financial planning as annual, collaborative engagements using firm-approved software and tools.

Christian Foxen is a financial advisor at UBS Financial Services in New Haven, CT, holding a Series 66 designation with two years of industry experience. Prior to joining UBS in 2021, he was involved with Clube do Povo de Esgueira and Guifoes Sport Club, as well as entrepreneurial ventures including Pine and Iron Axe Throwing and Bluestone Landscapes LLC. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, using proprietary capital market research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services and also offers custody, underwriting, and capital markets solutions.

Kieran Doherty is a financial advisor with Ameriprise Financial Services LLC, holding Series 63 and Series 66 credentials and 18 years of industry experience. His prior roles include positions at Snowden Lane Partners and Morgan Stanley. He serves on the Board of Directors for The Madison Jaycees in Madison, Connecticut. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement income planning with a focus on dependable income sources and tax-aware withdrawal strategies.

Dante D'amore is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and one year of industry experience. He previously attended Sacred Heart University from 2021 to 2025 before beginning his career in financial services. 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, using collaborative, annual planning engagements supported by firm-approved analytical tools.

Joseph Mccarthy is a financial advisor with LPL Financial in Hamden, CT, holding Series 63 and Series 65 licenses and 24 years of industry experience. He has been with LPL Financial since 2002. Outside of his advisory role, he is a co-owner of Smedley Aerial Lifts LLC and Smedley Industrial Services, Inc., businesses unrelated to investment management. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with diverse investment strategies and advanced operational tools.

Frank Germano is a CFP® professional with 35 years of industry experience, currently serving at OSAIC since 2025. His prior roles include positions at Lincoln Financial Securities Corporation, Investors Capital Corp., Tower Square Securities, Inc., and Veravest Investment Advisors, Inc. Germano is also involved in offering insurance products and tax preparation services through several privately owned entities. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering a range of brokerage and advisory services such as comprehensive financial planning and unified managed accounts. The firm utilizes model-based asset allocation and portfolio optimization tools and is notable for its scale, complex affiliate network, and multi-advisor platform.

Declan Mahar is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been with the firm since 1983 and is a qualified Portfolio Manager. Declan provides traditional financial advice and guidance while also developing and managing personalized investment strategies. These strategies may include individual stocks and bonds, Merrill Lynch Wealth Management model portfolios, and third-party investment options. When working with clients under the firm’s Investment Advisory Program, he may manage these strategies on a discretionary basis. In addition to investment management, Declan collaborates with clients’ accountants and attorneys to create estate plans focused on preserving wealth for future generations. He holds an MBA degree in finance as well as a bachelor's degree, both from Sacred Heart University. Declan is registered with FINRA for Series 7, 24, 63, 65, and 31 and holds Life, Accident & Health Insurance Licenses. He also holds the Personal Investment Advisor (PIA) professional designation.