Michael Cappiello is an Investment Consultant who focuses on helping clients plan their financial futures based on their specific goals. He provides personalized guidance tailored to each client's unique financial background. Michael combines his professional role with his experience as a father, emphasizing the pursuit of financial peace of mind and the protection of clients' legacies. He has professional experience as a Financial Representative at Fidelity Investments from 2022 to 2025. Michael's personal interests include art, golf, kayaking, parenthood, skiing, and swimming.

John Horner is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in areas including Corporate Executive Services, Executive Compensation, Family Wealth Management Strategies, LGBT Wealth Planning, Managing New Wealth, Personal Retirement Planning, Socially Responsible, Values Based, and ESG Investing, Special Needs Planning Strategies, Sports & Entertainment, and Retirement Income. John has extensive experience in executive management, sales management, sales, marketing, and relationship management within the securities, investment management, and banking industries. He holds a Personal Investment Advisor (PIA) designation and earned a Bachelor of Science in Foreign Service in International Economics from Georgetown University School of Foreign Service. Outside of his professional work, John is involved with community organizations such as the New Canaan Fire Department. He is also affiliated with the New Canaan Fire Company No. 1, Trout Unlimited, and the National Sporting Clays Association. John is fluent in English and Spanish.

Greg Giandalone is a Financial Consultant at Fidelity Investments, where he has been serving clients since 2020. He adopts a goals-based approach to financial planning, focusing on understanding clients' priorities to guide their financial strategies. Greg is a CERTIFIED FINANCIAL PLANNER® professional and a U.S. Army Veteran, which informs his disciplined and client-focused methodology. Greg's professional experience spans several prominent financial institutions. Prior to his current role, he worked as a Senior Financial Consultant at TD Ameritrade from 2016 to 2020. He also held positions as a Wealth Management Client Associate at Ameriprise Financial and Merrill Lynch, as well as a Financial Advisor at Merrill Lynch, and a Stockbroker at John Thomas Financial and E-1 Asset Management. Outside of his professional work, Greg engages in activities related to family, fitness, military service, pets, tennis, and volunteering.

Brett Rosen is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, JPMorgan Securities, JPMorgan Chase Bank, and Goldman Sachs. 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 tailored financial planning that utilizes firm-approved tools and models to guide client decisions.

Matthew Coyne is a financial advisor with Cetera, holding a Series 63 designation and 25 years of industry experience. He has worked at Cetera and Cetera Financial Specialists LLC since 2000 and 2001, respectively. Coyne also operates his own tax practice as a CPA, a role he has maintained since 1982. Additionally, he was affiliated with Dominican College for 35 years. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform that includes model portfolios, third-party managers, and bespoke strategies.

Colin Brogowski is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds the Series 66 designation and has previously worked at several firms including Corebridge Financial and Valic Financial Advisors. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program. The firm integrates quantitative and qualitative research in its advisory process and offers a range of portfolio services supported by affiliated entities.

Carlos Hevia is a financial advisor at Ameriprise with 29 years of industry experience. He holds the PFS™ designation and Series 63 license. Prior to his current role, he worked at Ameriprise Financial Services, Inc. from 2014 to 2020. Outside of advising, he owns and operates a CPA tax preparation business in Hastings on Hudson, NY. Ameriprise offers retirement-income planning services focused on individuals approaching or in retirement with significant investable assets, providing tailored Recommendation Reports that incorporate tax-smart withdrawal strategies and Social Security options. The firm combines research and modeling with automated tools to support these recommendations, serving a broad client base through advisory, brokerage, and insurance solutions.

Shane Smith is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has one year of industry experience, with prior roles at MassMutual Life Insurance Co, MML Investors Services LLC, Cornell Pace Inc, and Union College. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing, collaborative planning relationships using firm-approved tools and offers various specialized planning programs.

Frank Sabia is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. He has been with UBS since 1982. In addition to his advisory role, he serves as an executor for an estate in New York. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client strategies.

Susan Davis is a financial advisor with Mass Mutual Investors Services in Tarrytown, NY, holding a Series 63 designation and 27 years of industry experience. She has been with Mass Mutual Investors Services and Mass Mutual Life Insurance Company since 2013. Outside of her advisory role, she serves as co-trustee for a family member’s trust and acts as an insurance agent specializing in long-term care, fixed annuities, and health insurance. 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, charitable organizations, and employers. The firm offers comprehensive, collaborative annual financial planning engagements supported by proprietary software tools and a range of investment and educational programs.

Robert Cappiello is a Wealth Management Advisor with Merrill Lynch Wealth Management. In this role, he provides guidance to clients on managing their investment portfolios and financial planning. He holds the professional designation of Personal Investment Advisor (PIA), which reflects his expertise in advising individuals on personal investment strategies. Robert earned his Bachelor's Degree from the University of Connecticut. This combination of education and professional designation supports his work in helping clients meet their financial goals through tailored wealth management solutions.

Catherine Censullo is a financial advisor with Cetera who holds a PFS™ designation and Series 66 license, bringing 27 years of industry experience. She is also a CPA and partner at Censullo, Gupta & Associates CPA, LLP, a public accounting firm offering tax planning, preparation, and business consulting services. Additionally, she serves as a board member of the Armonk Chamber of Commerce. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporations, charitable organizations, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a network of independent advisors utilizing multiple program structures and a variety of investment strategies.

Barbara Silberman is a financial advisor at Wells Fargo Advisors with 44 years of industry experience. She holds a Series 66 designation and has previously worked at Wells Fargo Clearing, Citigroup Global Markets, and Citicorp Investment Services. Outside of her advisory role, she is involved with Princeton Harriman Insurance Solutions as a financial advisor. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options, including specialized services such as business-owner transition planning and special-needs analysis, utilizing Wells Fargo research and tools to develop tailored recommendations.

Kevin Mahoney is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Raymond James & Associates since 2015. Outside of his advisory role, he is a partner in an LLC that manages rental real estate. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension plans, and municipal entities. The firm offers financial planning and investment consulting through a variety of strategies, supported by extensive research and an affiliated advisory network.

Scott Turner is a financial advisor with MassMutual Investors Services in Elmsford, NY, holding CFP® and Series 63 credentials and 19 years of industry experience. He previously worked at Kestra Advisory Services and Kestra Investment Services from 2011 to 2023. In addition to his advisory role, Turner is an insurance agent who sells life, fixed annuities, disability, long-term care, and health insurance. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management to individuals, business owners, trusts, estates, and charitable organizations. The firm employs collaborative, annual planning relationships using advanced tools and offers specialized services such as divorce planning and employer-sponsored planning programs.

Curtis Krause is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 licenses and possessing 11 years of industry experience. His career includes roles at Calibre One, Firsthand Talent Partners, Technology Operators, Trinet (Muzinich & Co), AQR Capital Management, and Causeway Capital Management. He is based in Greenwich, CT. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting within a non-discretionary advisory framework.

Elizabeth Maccarone is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she has been working since 2012. She specializes in serving high-net-worth individuals and their families by developing personalized and comprehensive financial strategies that encompass investment management, retirement planning, liability management, and multigenerational planning. Elizabeth emphasizes the importance of building and maintaining relationships with clients and their families, including the next generation. Her client focus areas include corporate executive services, executive compensation, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, socially responsible and values-based investing, women and wealth, and individual and corporate investment strategy. She holds professional designations such as Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Elizabeth graduated from Fairfield University with a dual bachelor's degree in Finance and Marketing. Prior to joining Merrill Lynch, she began her career as a Business Development Associate at a boutique investment firm, specializing in commodities and futures trading. Outside of her professional work, she enjoys biking, cooking, photography, reading, spending time with her family, and traveling.

Steven Klimaszewski is a CFP® with 34 years of experience in financial services. He is affiliated with MassMutual Investors Services and has worked with J. Matrik Wealth Management since 2003, where he is also principal and founder. His background includes 20 years with Kestra Advisory Services and Kestra Investment Services. Outside of advisory work, he is licensed to sell life, disability, long-term care, fixed annuities, and health insurance products. MassMutual Investors Services, LLC 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 programs, emphasizing structured, collaborative planning engagements tailored to client goals.

Christopher Andrews is a financial advisor with Mass Mutual Investors Services in Armonk, NY, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. His prior roles include positions at Hornor Townsend & Kent Inc and Penn Mutual Life Insurance Co. Outside of advisory work, Andrews is involved in retail book production through True Gentlemen Holdings, LLC, and operates Compass Point Capital LLC, providing recruiting and management services for financial firms. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, offering financial planning and asset management services to individuals, business owners, and charitable organizations. The firm emphasizes collaborative, goal-based planning using firm-approved tools and provides specialized programs such as divorce planning and employer-sponsored planning services.

Donald Henry is a financial advisor with Wells Fargo Clearing in Danbury, CT, holding Series 63 and Series 65 designations and bringing 33 years of industry experience. He previously worked at Citigroup Global Markets for 11 years before joining Wells Fargo in 2026. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and supports more than 14,000 financial advisors with both brokerage and advisory solutions.