Amy Terzakis is a financial advisor with Morgan Stanley in Orange, CT, holding a Series 66 designation and 19 years of industry experience. She has been with Morgan Stanley since 2014 and previously worked at Citigroup Global Markets from 2007 to 2009. Morgan Stanley Wealth Management serves individual and institutional clients by providing a wide range of advisory programs, including tailored financial and estate planning. The firm employs a structured financial planning process using firm-approved tools and investment committee insights to assist clients in developing their plans.

Anthony Morales is a Financial Advisor at Merrill Lynch Wealth Management. He works with individuals and families to provide clarity on financial decisions, assisting with building and preserving wealth, preparing for retirement, navigating life transitions, and planning for the next generation. Anthony brings nearly a decade of experience in financial advising, focusing on family wealth management strategies and portfolio management services. He leverages Merrill's extensive research and resources to deliver tailored investment strategies, including retirement planning and trust and estate strategies. As a bilingual advisor fluent in English and Spanish, Anthony serves a diverse clientele with customized advice. He holds licenses including the SIE, FINRA Series 7 and Series 66 registrations, and has the Personal Investment Advisor (PIA) designation. Anthony attended the New York Institute of Technology, where he did not confer a degree. Outside of his professional role, Anthony has interests in baseball, basketball, boxing, drawing/sketching, football, golfing, interior decorating, softball, spending time with family, and traveling. He emphasizes an approach built on transparency, trust, and simplifying complex financial challenges to empower families in their financial decisions.

Jose Diaz Jr. is a CFP® professional with 13 years of industry experience, currently serving as a financial advisor at Raymond James Financial in Danbury, CT. He has worked with Raymond James since 2013 and has been involved with Union Savings Bank since 2011. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm uses tailored, non-discretionary planning supported by analytical tools and offers specialized services such as municipal advising and SIMPLE IRA Employer Advisory programs.

Christopher Leavay is a financial advisor at Raymond James Financial with 22 years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes roles at Wells Fargo Advisors Financial Network LLC and Citigroup Global Markets. Outside of his advisory work, he is associated with Adaptive Wealth Management LLC, a non-investment-related support company. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, and institutional clients. The firm provides non-discretionary planning tailored to client goals using various analytical tools and supports a broad advisor network with specialized municipal and retirement plan advisory programs.

Edward Kwiatkowski is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association and Morgan Stanley Smith Barney since 2012. He serves on the finance committee of The Shore and Country Club in Norwalk, Connecticut. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and a broad suite of investment services.

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.

Carmela Martino is a financial advisor with Morgan Stanley, holding a Series 63 designation and bringing 24 years of industry experience. She has been with Morgan Stanley and its affiliates since 2007. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning approach involves structured discovery and firm-approved tools, offering a range of retail and institutional investment services.

Christopher Cunningham is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 34 years of industry experience. He has been with Wells Fargo Clearing since 2016. Cunningham serves as a trustee for a family trust in New Canaan, CT. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

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.

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® certified financial advisor with Fidelity in Fairfield, CT, bringing nine years of industry experience. Her career includes roles at Fidelity Investments since 2017, along with prior experience at Providence College and ParsonsKellogg. She is part of Strategic Advisers LLC, a Fidelity Investments company that offers investment management and advisory services to retail and institutional clients. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified portfolios, including model portfolios delivered to intermediary platforms.

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.

Charles Wilson III is a financial advisor with Wells Fargo Clearing in Danbury, CT, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He previously worked at Prudential Equity Group, LLC from 1999 to 2003. Outside of his advisory role, he serves as a board member for 45 East 85th Street LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets through a large network of over 14,000 financial advisors.

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 with Fidelity Investments, holding Series 63 and Series 66 credentials and bringing 24 years of industry experience. His work history includes multiple roles within Fidelity and its affiliates, as well as a brief tenure at TD Ameritrade. He is part of Strategic Advisers LLC, a Fidelity company that provides investment management and advisory services to retail and institutional clients, including management of registered investment companies and specialized advisory roles. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, offering model portfolios built from mutual funds, ETFs, and ETPs using systematic methodologies.

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.

Dante D'amore is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and one year of industry experience. He previously attended Sacred Heart University from 2021 to 2025 before beginning his career in financial services. Mass Mutual Investors Services 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 seminars, using collaborative, annual planning engagements supported by firm-approved analytical tools.

Scott Mastocciolo is a financial advisor at Osaic with 28 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Ameriprise Financial Services, Wells Fargo Clearing, and Merrill. Outside of Osaic, he is a Managing Director Financial Advisor at Westport Private Wealth LLC, focusing on fixed annuity and insurance business. Osaic Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients. The firm utilizes a model-based investment process with a broad range of advisory and brokerage services delivered through a multi-advisor platform.

Michael Tuozzoli is a financial advisor with Ameriprise Financial Services who holds Series 63 and Series 65 credentials and has 24 years of industry experience. He has been with Ameriprise since 2017, including a prior role at Wells Fargo Clearing. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides retirement-income planning advice through a written Recommendation Report and annual updates, emphasizing dependable income sources and tax-aware withdrawal strategies.

Declan Mahar is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been with the firm since 1983 and is a qualified Portfolio Manager. Declan provides traditional financial advice and guidance while also developing and managing personalized investment strategies. These strategies may include individual stocks and bonds, Merrill Lynch Wealth Management model portfolios, and third-party investment options. When working with clients under the firm’s Investment Advisory Program, he may manage these strategies on a discretionary basis. In addition to investment management, Declan collaborates with clients’ accountants and attorneys to create estate plans focused on preserving wealth for future generations. He holds an MBA degree in finance as well as a bachelor's degree, both from Sacred Heart University. Declan is registered with FINRA for Series 7, 24, 63, 65, and 31 and holds Life, Accident & Health Insurance Licenses. He also holds the Personal Investment Advisor (PIA) professional designation.