Matthew Koziol is a financial advisor at LPL Financial with six years of industry experience. He holds a Series 66 designation and has worked at firms including Merrill Lynch and Tumolo Wealth Management. His prior roles also include positions at Webster Bank and Mott Corporation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Lori Carroll is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. Her career includes previous roles at Wells Fargo Clearing and Wells Fargo Advisors. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs and employs tailored investment strategies using both in-house and third-party managers.

William McCarthy is a Planning Consultant at Fidelity Investments, where he collaborates with a team of advisors and specialists to assist clients in developing and maintaining personalized financial plans. He provides support throughout the financial planning process to help clients meet their goals. He has held several roles at Fidelity Investments, starting as a Customer Relationship Advocate from 2021 to 2022, advancing to High Net Worth Service Associate from 2022 to 2023, then Financial Representative from 2023 to 2024, before his current position beginning in 2025. This progression reflects his experience within various aspects of financial services. Outside of his professional work, William enjoys attending concerts, social events with friends, playing golf, watching movies, listening to music, and skiing.

Ethan Cobb is a financial advisor at LPL Financial with a Series 66 designation and no prior industry experience. Before joining LPL Financial, he worked in education for several years at institutions including Trinity College, New Hampton School, Weddington High School, and Weddington Middle School. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers a range of financial planning and advisory programs, including retirement plan consulting and model portfolio management, supported by LPL Research and third-party subadvisors.

Carl Castanho is a financial advisor at OSAIC with 24 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at several firms, including Equity Services Inc and Securities America. He is also the managing member of Castanho Advisory Group LLC, a financial services firm providing planning and advisory-related products. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients, offering integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to multiple advisory platforms. The firm utilizes various asset-allocation tools and third-party services to construct and manage portfolios for its clients.

Brandon Marinelli is a CFP® professional with 24 years of industry experience, currently affiliated with Morgan Stanley Wealth Management in West Hartford, CT. His prior roles include positions at Raymond James Financial Services and operating his own wealth management practice. Outside of his advisory work, he is listed as an owner of an LLC related to his ski home for estate planning purposes. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a variety of advisory programs with a focus on tailored financial planning and employs structured planning tools and market scenario modeling in its approach.

Bruce Daigle is a financial advisor with Raymond James & Associates in West Hartford, CT, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Raymond James since 2015. Daigle is a founder and investment committee member of the Main Street Community Foundation, a nonprofit organization where he helps recommend investment guidelines and evaluate external managers. 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 both non-discretionary advisory services and institutional consulting, with notable capabilities in public finance and municipal work.

Thomas Aldrich is a financial advisor with Morgan Stanley in West Hartford, CT, holding a Series 66 credential and 15 years of industry experience. He has been with Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and modeling techniques.

Kevin Prell is a financial advisor at RBC Capital Markets with 25 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Ameriprise Financial Services for 12 years before joining RBC in 2022. Outside of his advisory role, he serves on the Simsbury Republican Town Committee and the Town of Simsbury Board of Finance and is the treasurer of a local social club. RBC Wealth Management serves a broad range of clients, including individual investors, institutions, and charitable organizations, offering customized advisory programs that incorporate both in-house and third-party investment managers. The firm provides discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to clients' risk profiles.

David Goodwin is a Senior Financial Advisor at Merrill Lynch Wealth Management. In his role, he manages client portfolios using personalized strategies that may include individual stocks and bonds, Merrill Lynch model portfolios, and third-party investment strategies. His experience spans growth, income, and capital preservation strategies as well as succession planning. With thirty years in the financial services industry, David has been recognized on the Forbes "Best-in-State Wealth Advisors" list consecutively from 2019 to 2026 and has been included on Barron's "Top 1,500 Financial Advisors" list consecutively from 2010 to 2026. He holds several professional designations including Accredited Asset Management Specialist (AAMS), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). David earned his bachelor's degree in Political Science from Colgate University.

John Henehan is a financial advisor with Ameriprise in Cromwell, CT, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has worked with Ameriprise and its affiliate since 2005. Outside of his advisory role, Henehan serves on his local town council and a board of directors, and he is involved in music recording. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, delivering written, research-driven recommendations that integrate tax-smart strategies and asset management within Ameriprise-managed accounts. The firm combines algorithmic and expert oversight to tailor retirement income solutions and offers a broad range of advisory, brokerage, and insurance products.

Edward Debay is a financial advisor at OSAIC with 11 years of industry experience. He holds the Series 63 and Series 65 designations and has previously worked at Securities America Advisors, Securities America Inc, LPL Financial, and National Planning Corporation. OSAIC serves a broad mix of retail and institutional clients, providing brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct portfolios that include a variety of investment types, managed on discretionary or non-discretionary bases.

Lisa Calcavecchia is a financial professional at Cetera with 11 years of industry experience. She holds Series 63 and Series 66 designations. Calcavecchia has worked with Cetera and its affiliates since 2015 and is also involved as an insurance agent selling life, health, disability, annuities, and long-term care insurance. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services delivered through a nationwide network of independent advisors.

Adam Tucker is a Financial Consultant at Fidelity Investments, where he has been serving clients since 2023. He focuses on building relationships based on trust and developing personalized financial plans tailored to the evolving needs and goals of his clients and their families. Adam emphasizes educating clients to simplify complex financial topics and enhance their understanding. Prior to his current role, Adam worked as an Investment Consultant at Fidelity Investments from 2020 to 2023. He has also held positions as a Regional Annuity Internal Wholesaler at MassMutual from 2018 to 2020 and as a Financial Services Representative at TD Bank from 2015 to 2018. Outside of his professional work, Adam enjoys camping, fitness, food, outdoor adventures, and traveling.

David Dufour is a financial advisor with LPL Financial in New Britain, CT, holding Series 63 and Series 66 credentials and 31 years of industry experience. His prior roles include positions at CUNA Brokerage Services, CUNA Mutual Group, Citizens Securities, American Eagle FCU, and a previous tenure at LPL Financial. Outside of his advisory work, he is employed as a part-time ski instructor at Powder Ridge Ski Resort. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers diversified advisory programs, financial planning, and retirement consulting, utilizing model portfolios, research, and a range of technology-driven investment strategies.

Adam Jensen is Vice President and Financial Consultant at Fidelity Investments. He has been with Fidelity since 1998, bringing over 27 years of experience in working with clients and families on financial matters. Adam specializes in wealth planning and is dedicated to assisting clients with their financial goals. His role at Fidelity involves providing guidance and support tailored to various investing styles. Outside of his professional work, Adam's personal interests include golf and music.

Andrea Hammerling is a financial advisor with Charles Schwab in West Hartford, CT, holding Series 63 and Series 66 licenses and 18 years of industry experience. She has worked at Charles Schwab Bank and Charles Schwab since 2020 and previously at TD Ameritrade from 2015 to 2020. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance, using multi-asset model portfolios and a centralized operational structure.

Robert Carroll Jr. is a financial advisor at Cetera with 40 years of industry experience. He holds the Series 63 and Series 66 designations. Prior to joining Cetera in 2024, he worked at Infinex Investments, Inc. for 29 years. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers through a multi-manager platform.

Daniel Mccarthy is a financial advisor with Cetera, holding the ChFC® designation and Series 63 and 65 licenses. He has 41 years of industry experience, including roles at MassMutual Life Insurance Company and MML Investors Services, Inc. He is a partner in CM Smith Agency, Inc., an insurance and financial services firm affiliated with Alera Group, and also serves as a financial advisor at CM Smith Financial. Cetera Investment Advisers LLC distributes its services through a nationwide network of independent advisors, serving individuals, employer-sponsored retirement plans, and institutional clients. The firm offers a variety of portfolio management and financial planning services and operates a multi-manager platform with access to both affiliated and third-party investment strategies.

Damian Kusnierz is a Series 66 licensed financial advisor with Merrill based in Simsbury, CT. He has professional experience at Bank of America, Merrill, M&T Bank, and several other organizations dating back to 2014. 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. The firm operates as part of Bank of America’s broader platform, which includes access to swaps, derivatives, lending, custody, and other services.