Nicholas Miceli is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 12 years of experience in the financial services industry. Since beginning his career in 2011 with Merrill Lynch, he has developed expertise in wealth management, employee benefits planning, portfolio management, and retirement income strategies. Nicholas and his team leverage Merrill’s global resources to provide comprehensive wealth management services tailored to corporate executives and their families. Nicholas holds a Bachelor of Science in Business Administration with a concentration in finance from Seton Hall University. He has earned several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His experience spans advising on corporate benefit programs such as equity compensation, defined benefit, and defined contribution plans, as well as helping clients manage concentrated stock positions and transition events like retirement or business sales. Outside of his professional role, Nicholas enjoys spending time with his family and pursuing personal interests such as golf, chess, fishing, football, reading, and watching movies.

Lourdes Cardenas is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. She has been with Merrill since 2015 and previously worked at Bank of America, N.A. Since 2025. 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, pension plans, corporations, and charitable organizations.

Evan Centopani is a financial advisor at Mass Mutual Investors Services with three years of industry experience. He holds a Series 66 designation and has been affiliated with MassMutual Life Insurance Company since 2021. Outside of financial advising, he creates health and fitness content for a YouTube channel and serves as a coach writing nutrition and fitness protocols. 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 financial planning, asset management, and educational seminars, emphasizing collaborative, goal-based planning using firm-approved software tools.

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.

Zakary Cianciolo is a financial advisor at Mass Mutual Investors Services with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Mass Mutual Investors Services and Mass Mutual Life Insurance Company since 2015. Outside of his advisory role, he is involved in the restaurant and bar industry as a co-owner and silent partner in several businesses. Mass Mutual Investors Services 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. The firm offers collaborative annual financial planning engagements using firm-approved tools and supports various event-driven planning services such as divorce and estate settlement.

Frederick Landwehr is a financial advisor with LPL Financial in Brookfield, CT, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His prior roles include positions at Landwehr & Spaho, CPA's, Securities America Advisors, Securities America, Inc., and National Planning Corporation. Outside of advisory work, he is involved in tax preparation and accounting through Landwehr & Spaho and holds notary duties. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a broad range of advisory programs, retirement consulting, and brokerage services, utilizing model portfolios, research, and technology-driven solutions.

Louis Follo is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with LPL Financial and its predecessor firm since 1994. Outside of advisory work, he is involved in non-variable insurance sales. 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 representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Matthew Sherman is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 credentials and 13 years of industry experience. He has worked at Equitable Advisors since 2014 and was previously affiliated with AXA Advisors, LLC from 2014 to 2020. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model that includes advisory and brokerage channels, tailoring services based on client goals, risk tolerance, and time horizon.

Harold Smith Jr. is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has over 40 years of experience in financial advising and wealth management, including roles as Senior Vice President and Wealth Management Advisor at Merrill for 28 years, Executive Vice President at Webster Bank for more than 20 years, and member of KPMG Peat Marwick, C.P.A.'s for 2 years. Harold holds the Chartered Financial Consultant (ChFC) designation, the Certified Financial Planner (CFP) certification, and is a Personal Investment Advisor (PIA). He earned a bachelor's degree from Georgetown University. Throughout his career, Harold has worked with high-net-worth clients, advising on family wealth management strategies, investment consulting for defined contribution plans, legacy planning, liquidity management, personal retirement planning, philanthropic planning, and portfolio management services. His approach involves working one-on-one with clients to develop personalized financial strategies tailored to their long-term goals. Harold also collaborates with clients' attorneys, accountants, and other advisors to coordinate comprehensive financial and legacy planning. Harold resides in Middlebury, Connecticut, with his wife and two children and is a former Captain in the United States Marine Corps. He has been involved in various community service organizations and board memberships, including the United Way, Naugatuck Valley Development Corporation, Waterbury Association for Retarded Citizens, Waterbury Development Corporation, Waterbury Hospital Corporation, and the YMCA. His personal interests include golfing, hiking, skiing, and tennis.

Minnampalli Selvaraj is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. His prior roles include positions at Royal Alliance Associates, Inc. and John Hancock Financial Services, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios and research to support both discretionary and non-discretionary management approaches.

Theodore De Giacomo is a Senior Financial Advisor at Merrill Lynch Wealth Management. He holds professional designations as a Certified Investment Management Analyst (CIMA) and a Personal Investment Advisor (PIA). Theodore completed an Accredited Certificate Program from CSU. His expertise focuses on providing investment management and personal advising services to clients.

Alan Popowski is Vice President, Wealth Planner at Fidelity Investments, a role he has held since 2024. In this position, he helps families understand and become comfortable with their relationship with money, serving as an advocate and resource to maximize the full range of Fidelity's offerings. Alan has extensive experience in the financial services industry, having held multiple roles at Fidelity Investments including Vice President, Executive Planning Consultant (2021-2024), Vice President, Branch Office Leader (2017-2021), Assistant Branch Manager (2015-2017), Financial Consultant (2012-2015), and Investment Consultant (2010-2012). Prior to joining Fidelity, he worked as a Financial Consultant at Laidlaw & Company (UK), LTD. in 2010 and as an Investment Consultant at David Lerner Associates from 2009 to 2010.

William Greeley is a financial advisor at Edward Jones in New Milford, CT, holding Series 63 and Series 66 credentials with six years of industry experience. His prior roles include positions at Walleye Capital and Tmg, as well as periods of self-employment. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of investment strategies including discretionary and non-discretionary wrap fee options, separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and is known for its extensive retail advisor network and affiliated financial services.

Christopher Scudder is a financial advisor at Merrill with four years of industry experience. He holds the Series 66 designation and has worked previously at Bank of America, Wells Fargo Clearing, and Wells Fargo Bank. Outside of his advisory role, he serves as Football Commissioner on the executive board of Brookfield Football and Cheer, a youth sports organization in Connecticut. Merrill provides managed account services to Bank of America fiduciary clients, offering model-based and discretionary investment strategies developed by internal and third-party managers. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations through a range of investment approaches.

Gary Meyerer is a financial advisor at OSAIC with 46 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Securities America Advisors and National Planning Corporation. He is also licensed as a life and variable insurance agent. OSAIC serves a wide range of clients, including retail and institutional investors, by offering integrated brokerage and advisory services, financial planning, and access to various managed account solutions. The firm employs multiple investment platforms and third-party services to construct diversified portfolios, supporting both discretionary and non-discretionary account management.

Cody St John is a financial advisor with LPL Financial, holding a Series 66 designation and six years of industry experience. Prior to joining LPL Financial in 2021, he worked at Waddell & Reed from 2019 to 2021 and spent over a decade at Good Hill Mechanical. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, banks, and corporations. The firm offers various advisory programs and financial planning services, utilizing discretionary and non-discretionary management and research-supported model portfolios.

Daniel Trainor is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has worked at Charles Schwab since 2022 and previously spent 11 years at TD Ameritrade. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment options. The firm combines a large client base and integrated services, including brokerage, custody, and alternative investment due diligence.

Jennifer Leite is a financial advisor at Fidelity with eight years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at Ameriprise, GameStop Inc, and Wells Fargo in various capacities. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios including mutual funds, ETFs, and ETPs. The firm is noted for its role as a commodity pool operator, advisory services to multiple registered investment companies, and use of algorithmic methods and AI in portfolio management.

Christopher Carvotta is a financial advisor at Fidelity with 24 years of industry experience. He holds the Series 63 and Series 66 designations and has worked with various divisions of Fidelity since 2009. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and charitable funds. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios from mutual funds, ETFs, and ETPs.

Guy Howard is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and 35 years of industry experience. His prior work includes 15 years at Ameriprise Financial Services and roles within Cambridge Investment Research since 2020. Howard also operates as an independent insurance agent through his own business, GWHOWARD Financial. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, and charitable organizations, offering financial planning, investment management, and retirement plan advisory services. The firm employs a range of portfolio management strategies and supports both discretionary and non-discretionary investment approaches through various custody platforms.