Lukasz Janko is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He has previously worked at Merrill, Bank of America, Key Investment Services, and Santander Securities. He holds Series 63 and Series 65 licenses. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

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 at Merrill Lynch Wealth Management. He has over 35 years of experience in the securities, investment management, and banking industries, with a background that includes extensive executive and relationship management roles both domestically and internationally. His expertise encompasses corporate executive services, executive compensation, family wealth management strategies, LGBT wealth planning, managing new wealth, personal retirement planning, socially responsible and ESG investing, special needs planning strategies, as well as sports and entertainment and retirement income planning. John holds a Bachelor of Science in Foreign Service with a focus on International Economics from the Georgetown University School of Foreign Service. He is a Personal Investment Advisor (PIA) and is fluent in both Spanish and English. In addition to his professional responsibilities, John serves his community as Commissioner of the New Canaan Fire Department and participates in various organizations such as the New Canaan Fire Company No. 1, Trout Unlimited, and the National Sporting Clays Association. He is also involved with the Darien Chamber of Commerce and the Fairfield County Fish & Game Protective Association. Outside of his professional and community commitments, John has personal interests in baseball, fishing, golfing, hunting, soccer, and traveling.

Brian O'Connor is a financial advisor with Merrill in Fairfield, CT, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has worked at Merrill Lynch, Pierce, Fenner & Smith since 2007 and has been affiliated with Bank of America, N.A. since 2011. Outside of advisory work, he is the sole owner of a rental property business in Long Beach Township, New Jersey. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Brett Rosen is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds the Series 65 and Series 63 licenses and has worked at Goldman Sachs, JPMorgan Securities LLC, and JPMorgan Chase Bank prior to joining Morgan Stanley. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s financial planning process incorporates firm-approved tools and modeling techniques, focusing on advisory services without providing individual security recommendations as part of standalone plans.

Robert Panza is a financial advisor at Morgan Stanley with 43 years of industry experience. He has held positions at Morgan Stanley and its affiliated entities since 2009, including Morgan Stanley Private Bank, National Association, where he has worked since 2015. He holds Series 63 and Series 65 credentials and is based in Westport, CT. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs. The firm emphasizes tailored financial planning supported by structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Axel Lara is a financial advisor at J.P. Morgan Securities with Series 65 and Series 63 licenses and one year of industry experience. Prior to his current role, he held positions at JPMorgan Chase Bank and Equitable Financial Life Insurance. Before entering the financial industry, he worked in various roles including childcare and telecommunications. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through a structured program that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

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.

Nicholas Di Falco is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. Prior to joining Raymond James in 2026, he spent 15 years at Ameriprise. He is also an owner and advisor at Westport Wealth Partners. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual, high-net-worth, institutional, and corporate clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Reed Abend is a financial advisor with Fidelity Investments, holding Series 63 and Series 65 designations and 14 years of industry experience. His work history includes roles at Fidelity Investments, Northwestern Mutual, and Strategic Lifelines LLC. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm’s investment approach combines fundamental research, quantitative analysis, and algorithmic portfolio construction, offering discretionary and non-discretionary services along with model portfolios built from mutual funds, ETFs, and ETPs.

Brittney Taylor is a financial advisor at UBS Financial Services with three years of industry experience. She holds the Series 66 designation and has previously worked at Wells Fargo Clearing and CITIGROUP. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and offers proprietary research and a broad array of capital markets solutions.

Michail Borisov is a financial advisor at Merrill with 12 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2011 and Bank of America, N.A. since 2016. 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. The firm offers model-based and discretionary investment strategies for a wide range of clients, including individuals, high-net-worth clients, and institutional entities.

Erin Candler is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. She has worked with People's Securities, Inc. since 1990 and People's United Advisors since 2018. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a network of over 22,800 advisors.

Miklos Gudricza Jr. is a financial advisor at LPL Financial with 28 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Mass Mutual, Waddell & Reed, Inc., and various insurance carriers related to W&R insurance agencies. Outside of advisory services, he is involved with JorMik Capital Holdings, LLC, a business entity used for tax and investment purposes. 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 and access to model portfolios and third-party asset management, supported by a network of over 22,800 advisors.

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.

Tara O'Connor is a financial advisor at Morgan Stanley with a Series 66 designation and one year of industry experience. Her prior work includes positions at Goodwin Procter LLP and CDM Smith, as well as roles at Northeastern University and Victoria's Secret & Co. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct engagements and corporate financial planning agreements.

Rachel Patel is a financial advisor at Merrill with Series 63 and Series 65 licenses and five years of industry experience. She previously worked at Charles Schwab and Cornucopia Wealth Management before joining Merrill. Earlier in her career, she was involved in the restaurant industry. 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.

Natacha Cesar is a financial advisor at Merrill with 18 years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at UBS Financial Services and Morgan Stanley. Outside of her advisory role, she is the sole owner of a rental property in Stamford, CT. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

John Ryan III is a financial advisor at Morgan Stanley with 44 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Emmanuel Kouzelis is a financial advisor with Equitable Advisors in Stamford, CT, holding a Series 66 designation and nine years of industry experience. He has worked at Equitable Advisors since 2017, including time when the firm operated as Axa Advisors, LLC. Kouzelis also operates a sole proprietorship under his name. Equitable Advisors serves a diverse client base including individual investors across wealth levels, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives, using a combination of firm-offered programs and third-party advisory platforms.