Thomas Loftin is a financial advisor with Primerica Advisors in Bethel, CT, holding Series 63 and Series 65 licenses and three years of industry experience. He has worked at Primerica Advisors and Primerica Financial Services since 2022 and has prior experience at Curtis Mallet-Prevost, Colt and Mosle LLP and MTM Technologies Inc. Outside of advising, he is involved in sales of loan products and home-related services through affiliated Primerica companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, targeting individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm uses third-party asset managers curated through independent due diligence and employs a tiered wrap-fee structure, focusing on retail clients rather than institutional pension or profit-sharing plans.

Christopher Cunningham is a financial advisor at Wells Fargo Clearing with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Cunningham serves as a trustee for a family trust in New Canaan, CT. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Sabra Donovan is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 40 years of industry experience. Her prior roles include positions at MetLife Resources and MassMutual Life Insurance Company. She also works as an independent insurance agent, providing life, long-term care, fixed annuities, health, and disability insurance. 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 ongoing financial planning, asset management, and educational seminars, employing firm-approved software and collaborative planning processes.

Frederick Cotton is a financial advisor at LPL Financial with 20 years of industry experience and holds the Series 66 designation. His prior experience includes roles at Securities America Advisors, Securities Service Network, and Ameritas Life Insurance. He is also involved with Retirement Planning Partners LLC, which operates as an insurance agency alongside his advisory work. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Brad Gaglione is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Private Bank, National Association, and Morgan Stanley Smith Barney LLC since 2015. Outside of his advisory role, he serves as a trustee and co-trustee for trusts in Connecticut. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with tailored financial planning and investment advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and methodologies.

Colleen May is a CFP® professional at Fidelity with eight years of industry experience. She has been with Fidelity Investments since 2017, with prior roles at Providence College and ParsonsKellogg. Fidelity's Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, and it is noted for its commodity pool operator registration and formal advisory role to multiple registered investment companies.

Constance Brown Clarke is a financial advisor at UBS Financial Services with 25 years of industry experience. She holds a Series 66 designation and has been with UBS since 2007. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor strategies to clients' goals and risk tolerances.

Karen Goersch is a financial advisor with Ameriprise in Rowayton, CT, holding a Series 66 designation and 16 years of industry experience. She has been with Ameriprise and its affiliated entities since 2014. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with specific eligibility criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis, delivering non-discretionary recommendations through a centralized consulting team.

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.

Sandra Senich is a financial advisor at Merrill with 24 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Merrill since 2009. Prior to that, she worked at Bank of America, N.A. since 2004. Outside of her advisory role, she serves on several nonprofit boards, including as Director of THE UCONN CLUB and Vice Chair of the Mattatuck Historical Society, and is involved in charitable fundraising and community arts organizations. 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 supported by internal and third-party managers, serving individuals, high-net-worth clients, and various institutional clients.

Gerald Janosko is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 licenses and has 33 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and was previously with MetLife Securities Inc. from 2011 to 2017. Janosko also works as an independent insurance agent, selling various insurance and Medicare-related products. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, structuring financial planning as annual, collaborative engagements using firm-approved software and tools.

Christian Foxen is a financial advisor at UBS Financial Services in New Haven, CT, holding a Series 66 designation with two years of industry experience. Prior to joining UBS in 2021, he was involved with Clube do Povo de Esgueira and Guifoes Sport Club, as well as entrepreneurial ventures including Pine and Iron Axe Throwing and Bluestone Landscapes LLC. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, using proprietary capital market research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services and also offers custody, underwriting, and capital markets solutions.

Ronald Berry is a financial advisor with Cetera who holds a Series 66 credential and has 26 years of industry experience. He has worked with Cetera and its affiliate firms since 2014 and previously with Investors Capital Corporation. Outside of his advisory role, he serves as a member of the Town of Easton Insurance Commission, where he reviews insurance proposals and assists in risk mitigation. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services and operates a multi-manager platform that includes affiliated and third-party managers with diverse program structures and supervisory frameworks.

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.

Kieran Doherty is a financial advisor with Ameriprise Financial Services LLC, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. Prior to Ameriprise, he worked for six years at Snowden Lane Partners. He serves on the Board of Directors for The Madison Jaycees, a community organization in Madison, CT. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service, providing written recommendation reports and ongoing retirement-income planning focused on dependable income and tax-aware withdrawal strategies.

Dante D'amore is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and with approximately one year of industry experience. Prior to his current role, he was affiliated with MassMutual Life Insurance Company and spent four years at Sacred Heart University. 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 provides ongoing financial planning, asset management, and educational programs, with a focus on collaborative, annual planning engagements that utilize firm-approved analytical tools.

Joseph Mccarthy is a financial advisor with LPL Financial based in Hamden, CT, holding Series 63 and Series 65 designations and 24 years of industry experience. He has been with LPL Financial since 2002. Outside of his advisory role, he is a co-owner of Smedley Aerial Lifts LLC and Smedley Industrial Services, Inc., businesses unrelated to investment activities. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, supported by research, model portfolios, and various investment management options.

Scott Mastocciolo is a financial advisor at Osaic Wealth with 28 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Ameriprise and Wells Fargo Advisors. Mastocciolo is also Managing Director and Financial Advisor at Westport Private Wealth LLC, where he is involved in fixed annuity and insurance business. Osaic Wealth serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, and access to third-party money managers using asset-allocation tools and automated rebalancing.

Karl Rickel is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and over 40 years of industry experience. He has been with MML Investors Services, Inc. since 1985 and has a longstanding affiliation with MassMutual Life Insurance Co. dating back to 1977. In addition to his advisory role, Rickel is an insurance agent specializing in life, group health, and long-term care insurance. MML Investors Services, LLC serves individuals, business owners, trusts, estates, charitable organizations, and employers, providing financial planning, asset management, and educational seminars. The firm emphasizes collaborative, annual planning engagements using firm-approved tools to analyze client goals and deliver written recommendations.

Michael Tuozzoli is a financial advisor at Ameriprise with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Ameriprise since 2017, following prior roles at Wells Fargo Clearing and Wells Fargo Advisors. Ameriprise offers a retirement-income planning service tailored to individuals with significant investable assets, delivering 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 provide non-discretionary retirement income advice, supported by algorithmic automation and oversight committees.