Justin Carey is a financial advisor with Mass Mutual Investors Services in Stamford, CT, holding Series 63 and Series 66 licenses and offering 29 years of industry experience. His prior experience includes roles at Credit Suisse Securities (USA) LLC and Royal Alliance Associates, Inc. He is also involved in the sale of life, disability, long-term care, fixed annuities, and health insurance products through Lenox Advisors, Inc. 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 supported by firm-approved analytical software and various specialized planning programs.

Annette Vitti is a financial advisor with Merrill in Stamford, CT, holding a Series 66 designation and 22 years of industry experience. She has been with Merrill since 2004. Merrill, along 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.

Daniel Ortoli is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. Prior to joining Mass Mutual Investors Services in 2017, he worked at Metlife Securities Inc. from 1989 to 2017. Outside of his advisory role, he serves as an assistant football coach at Shelton High School and is a notary public. 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, and charitable organizations. The firm emphasizes collaborative, annual financial planning engagements using firm-approved analysis tools and offers various educational seminars.

Kevin Kocovic is a financial advisor with Ameriprise Financial Services holding a Series 66 designation. He has been with Ameriprise since 2026 and has prior experience at Mioym Equities and involvement in the restaurant industry. Kocovic’s background also includes time spent at Fordham University and Salesian High School. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning through written recommendations and ongoing advice, utilizing proprietary research and tools within a defined investment framework.

Nancy Liebermann is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 designations and has 34 years of industry experience. Her career includes long-term roles at MetLife Securities Inc. and Metropolitan Life Insurance Company since 1989, as well as positions at Mass Mutual Investors Services since 2017 and Massachusetts Mutual Life Insurance Company since 2016. She is also an independent insurance agent offering a range of insurance products including dental, group disability income, and Medicare-related products. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, and charitable organizations. The firm provides ongoing financial planning, asset management, and educational programs, employing collaborative, software-supported analysis to deliver written recommendations tailored to client goals.

Richard Clifford is a CFP® with 36 years of industry experience currently affiliated with LPL Financial. His previous roles include positions at Lincoln Financial Securities, Cetera Wealth Services, Principal Financial Services, and 1717 Capital Management Company. He is also involved with Strategic Wealth Partners, LLC in both investment-related and non-variable insurance activities. LPL Financial is a national broker‑dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment solutions, leveraging a large network of advisors and utilizing model portfolios, third-party subadvisors, and technology tools to support account management.

Suzanne Bartek is a financial advisor at Merrill with four years of industry experience and holds a Series 66 designation. She has worked at Bank of America since 2014 and was employed by the United States Census Bureau in 2020, where she conducted surveys related to crime during evenings and weekends. Merrill, along 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 and profit-sharing plans, corporations, and charitable organizations.

Ana Backa is a financial advisor with Wells Fargo Advisors in Westport, CT, holding a Series 66 designation and 18 years of industry experience. She has been with Wells Fargo Advisors and its affiliates since 2009. Outside of her advisory role, she co-owns a clothing store in Sandy Hook, Connecticut. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services tailored to clients meeting a net-worth threshold, using proprietary research and tools to develop customized recommendations.

James Olivo is a financial advisor at Merrill with Series 63 and Series 66 credentials and 25 years of industry experience. He has been with Merrill since 2006. Outside of his advisory role, he is involved with Ledley Food Service in a capacity unrelated to investment activities. 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 a range of clients including individuals, high-net-worth clients, and institutions.

John Morris is a financial advisor with LPL Financial in Stratford, CT, holding a Series 66 license and 27 years of industry experience. He has worked at LPL Financial since 2011, following nine years with Uvest Financial Services Group and two years at Equitable Advisors. Morris operates under the DBA Sikorsky Financial Services Group. 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 advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms.

Jennifer Tunnell is a financial advisor at Merrill with 12 years at the firm and 8 years of industry experience. She holds the Series 66 designation. 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.

Joseph Divestea is a financial advisor with Raymond James & Associates in Ridgefield, CT, holding Series 63 and Series 65 designations and bringing 36 years of industry experience. He previously worked at Merrill from 2008 to 2016 before joining Raymond James in 2016. Outside of advising, he owns a business through which he manages a commercial property leased to his firm. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension plans, charitable organizations, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing a range of portfolio management styles supported by firm research and affiliated sub-advisers.

Luke Gowargy is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and two years of industry experience. Prior to joining Mass Mutual and MML Investors Services in 2026, he worked at LPL Enterprise and The Prudential Insurance Company of America. Outside of finance, his background includes work at Shorehaven Golf Club and involvement with Sign of the Whale. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes collaborative, annual planning engagements and offers specialized programs including estate-settlement and employer-sponsored planning.

Raquel Torres is a financial advisor with Merrill in Fairfield, CT, holding Series 63 and Series 66 designations and eight years of industry experience. Her prior roles include positions at Wells Fargo Clearing, J.P. Morgan Securities, and Santander Bank. Outside of advisory work, she serves as a consultant and independent contractor through her own business, R. T. 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 a range of model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

Jeffrey Hyman is a financial advisor with RBC Capital Markets in Westport, CT, holding Series 63 and Series 65 designations and 15 years of industry experience. He previously worked at UBS Financial Services from 2012 to 2020 before joining RBC Capital Markets. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers multiple wrap fee advisory programs with tailored strategies based on each client’s risk profile and utilizes a combination of in-house and third-party investment managers.

Robert Guere is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has spent his entire career in financial services, focusing on helping clients solve complex financial issues and achieve their goals. Robert works closely with clients to develop personalized financial strategies that align with their long-term objectives. Robert's expertise includes college education planning, executive compensation, family wealth management strategies, legacy planning, personal retirement planning, sports and entertainment, and retirement income. His approach emphasizes understanding each client's unique financial situation and creating tailored plans to help manage investment risk and pursue financial goals. He holds a Bachelor's Degree from Western Connecticut State University and has earned professional designations including Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Sports & Entertainment (SE). Robert is also active in his community as a member of the Rotary Club of Monroe. In his personal time, Robert enjoys baseball, golfing, music, reading, soccer, and spending time with his family.

Maria Frattaroli is a financial advisor with Merrill in New Canaan, CT, holding Series 63 and Series 66 designations and over 32 years of industry experience. She has been with Merrill since 1991. 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 strategies for individuals, high-net-worth clients, and institutions.

Martin Girouard is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 designations and has 22 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and at Massachusetts Mutual Life Insurance Company since 2016, with previous experience at MetLife Securities Inc. He is also an independent insurance agent, offering products including dental, group disability income, fixed annuities, life/accident/health, long-term care, Medicare-related products, and property and casualty insurance. 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 planning relationships using firm-approved analytical tools and features event-driven planning services such as divorce and estate-settlement planning.

Cathy Yance is a financial advisor at Fidelity with 22 years of industry experience. She holds Series 63 and Series 65 designations and has worked in various roles at Fidelity and E D & F Man Capital Markets Inc. Cathy is based in Fairfield, CT. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to create model portfolios, and it serves as a registered commodity pool operator and advisor to multiple funds.

Graham Opdyke is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Before joining Fidelity in 2025, he worked at Enterprise Mobility and has a background that includes roles at the University of Maryland and Cross Street Flower Farm. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction across a diversified investable universe. The firm is noted for its advisory role to multiple registered investment companies, use of systematic methodologies, and formal governance procedures.