James Thomas is a financial advisor with OSAIC Institutions, Inc. He holds Series 63 and Series 65 licenses and has 43 years of industry experience. His career includes roles at Infinex Investments, Inc., Harvest Capital Advisors, LLC, and New England Securities. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments and lending solutions, operating with a hybrid adviser/broker-dealer structure and a distinctive model that emphasizes firm supervision and client choice over discretionary authority.

Daniel Rider is a financial advisor with NewEdge Advisors in Manchester, CT, holding a Series 66 designation and three years of industry experience. He previously worked at LPL Financial, Bank of America, Merrill, and has experience in healthcare and educational settings. Outside of advising, he operates Daniel Rider, LLC, a non-investment-related business. NewEdge Advisors is an enterprise-scale registered investment adviser serving individuals, pension plans, corporations, and charitable organizations through a network of independent investment adviser representatives. The firm provides comprehensive portfolio management, financial planning, and retirement consulting, utilizing a combination of in-house manager selection, third-party models, and technology tools to support advisors and clients.

Philip Kolidas is a financial advisor at Key Investment Services LLC with three years of industry experience. He holds a Series 66 designation and previously worked at Whitetip Investments from 2016 to 2023. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs, model portfolios, and managed accounts. The firm emphasizes client direction in model selection while providing recommendations and ongoing oversight, and operates within the KeyCorp group with connections to KeyBank and KeyBanc Capital Markets.

James Kaufmann is a financial advisor at Valic Financial Advisors with 27 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Valic Financial Advisors since 2011. Additionally, he is an agent with Agia, where he is involved in non-securities insurance products. Valic Financial Advisors primarily serves U.S.-based individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Steven Ayer is a financial advisor with Hightower Advisors in Norwich, CT, holding Series 63 and Series 65 licenses and having 31 years of industry experience. He has been with Hightower Advisors since 2010. Outside of his advisory role, he is a board member and chairman of Farmers Cow Development Corp., a company involved in franchising a regional food brand. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients. The firm’s approach emphasizes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers across various investment strategies.

Ralph Johnston III is a financial advisor with United Planners' Financial Services of America and holds Series 63, 65, and 66 licenses. He has 27 years of industry experience and has been active as an insurance agent specializing in life and health insurance and fixed annuities since 2000. Johnston is a member of the WIDHAM Chamber of Commerce, a local networking group of business owners. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base that includes individuals, retirement plans, corporations, trusts, and institutions. The firm offers advisory and brokerage services through independent representatives and supports a range of investment and cash-management solutions across multiple custodians and third-party managers.

Philip Maliniak is a financial advisor with United Planners Financial Services of America, holding a Series 66 credential and 19 years of industry experience. His career includes roles at companies such as Greenwich Partners, PXP, LLC, and Financial Solutions Group. Outside of advisory work, he is involved in several real estate ventures and serves as a board member and vice president of a community and charitable organization in Virginia Beach. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base including individuals, retirement plans, corporations, trusts, and institutional clients. The firm offers advisory and brokerage services through independent representatives and employs a range of custodians and third-party money managers, with a significant portion of its assets managed on a non-discretionary basis.

Mary Neary is a financial advisor at Citizens Securities, Inc. with eight years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Wells Fargo Clearing and Cetera Investment Services. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and retirement plans, offering investment advisory programs as well as brokerage and insurance services. The firm provides both digital and managed account investment options and operates as a broker-dealer and insurance agency.

David Neal is a financial advisor with Integrated Wealth Concepts LLC in Manchester, CT, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. He previously worked at Coburn & Meredith Inc for six years and has been with Integrated Wealth Concepts and LPL Financial since 2018. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, and family office services, utilizing customized portfolios primarily composed of mutual funds, ETFs, equities, and fixed income with a long-term investment approach complemented by short-term rebalancing trades.

Dennis Morin is a CFP® professional with 30 years of industry experience, currently affiliated with Commonwealth Financial Network. He has worked at GFA Financial Group and Commonwealth Financial Network since 2006. Outside of advising, he is an author. Commonwealth Financial Network serves a national network of advisors and their clients by providing advisory programs, technology, compliance, and practice-management support. The firm offers a variety of investment solutions, including discretionary model portfolios and customized advisory programs.

Ryan Howard is a Series 66-licensed financial advisor at Key Investment Services LLC with six years of industry experience. Prior to joining Key Investment Services in 2024, he worked for MML Investors Services and Mass Mutual Life Insurance Company from 2019 to 2024. His background also includes roles at WoodnTap and Plymouth State University. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through wrap-fee advisory programs, model portfolios, separately managed accounts, and related brokerage and insurance products. The firm emphasizes client-directed model selection and ongoing monitoring, providing access to third-party discretionary managers alongside rebalancing and supervisory oversight.

Scott Stimson is a financial advisor with Ameriprise in South Windsor, CT, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He worked at Voya Financial and its affiliates from 2014 to 2025 before joining Ameriprise in 2025. 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-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, algorithm-supported recommendations through a centralized consulting team.

David McMahon is a CFP® professional at Edward Jones with 10 years of industry experience. He has worked at Edward Jones since 2019 and previously held roles at Voya Financial and Voya Financial Advisors, INC. Edward Jones is a full-service wealth management firm serving over four million clients, including individual, institutional, and corporate clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, discretionary and non-discretionary strategies, and tax-efficient services through a large network of financial advisors and branch offices nationwide.

Horace Carryl Jr. is a financial advisor with Wells Fargo Clearing holding Series 65 and Series 63 licenses. He has experience in various roles at Wells Fargo Bank, Footlocker Inc., Target Corporation, and BJ's Wholesale Club. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Lawrence Agler is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. His prior roles include positions at Securities America Advisors, National Planning Corporation, and Beacon Financial Group, where he has been involved since 1994. Outside of advising, he owns Modern Insurance Solutions, LLC and Beacon 401K Advisors, LLC, both non-investment-related businesses. 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 wide range of advisory services including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supported by a large network of investment adviser representatives.

Edward Myers is a financial advisor with LPL Financial in Vernon, CT, holding Series 63 and Series 65 designations and 43 years of industry experience. His prior roles include positions at Securities America Advisors, Securities America Inc., National Planning Corporation, and Main Street Management Company. 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, supported by a large network of investment adviser representatives.

Dennis Rihm is a Series 66-registered financial advisor with Cambridge Investment Research Advisors, based in Manchester, CT, and has three years of industry experience. Before joining Cambridge, he spent 26 years at The Hartford Financial Services Group. Outside of his advisory role, he serves as an assistant scoutmaster for Boy Scout Troop 540 in Glastonbury, CT, and volunteers as a tax return preparer for AARP Tax-Aides in East Hartford. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals utilizing multiple custody platforms and a range of discretionary and non-discretionary strategies.

Kevin Spada is a financial advisor with Osaic Wealth, Inc. and holds the Series 66 designation. He has 11 years of industry experience, including prior roles at Securities America Advisors, Inc., Investacorp, and Kingston Wealth Management. He is involved in non-investment business activities through Kingston Wealth Management Group, LLC, which provides tax preparation and general accounting services. Osaic Wealth, Inc. serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations. The firm offers a range of brokerage and advisory services with portfolios constructed using asset-allocation tools, risk-tolerance assessments, and automated rebalancing across various investment types.

Arthur Peske is a financial advisor with LPL Financial, holding a Series 66 designation and 17 years of industry experience. He previously worked at Waddell & Reed, Inc. and with various insurance carriers through W & R Insurance Agencies for 12 years. Peske is based in Manchester, CT. 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, with an emphasis on flexible investment strategies implemented by its network of investment adviser representatives.

Matthew Couzens is a financial advisor with Ameriprise in Avon, CT, holding the ChFC® designation and Series 66 license. He has 22 years of industry experience, including 15 years with Ameriprise Financial Services, Inc. prior to joining Ameriprise in 2020. Outside of advising, he serves on the development board of the Cornerstone Foundation Inc. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, providing written recommendation reports that incorporate income sources, Social Security strategies, and tax-efficient withdrawals. The firm combines research, modeling, and algorithmic automation to deliver personalized, non-discretionary retirement income advice.