Margaret Moore is a CFP®-certified financial advisor with three years of industry experience, currently with Mass Mutual Investors Services. She previously worked at The Donohue Group for 16 years and has held roles at MassMutual Life Insurance Company since 2022. Outside of her advisory work, she serves as a manager and trustee for a family investment company and also engages in outside insurance sales focusing on life, disability, long-term care, and fixed annuities. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm employs firm-approved software and collaborative planning processes, offering a range of investment and planning solutions without discretionary authority over client investments.

Barbara Ludlow Taussig is a financial advisor with Morgan Stanley in Hartford, CT, holding Series 63 and Series 65 licenses and 41 years of industry experience. She has been with Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank since 2009. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s approach incorporates structured discovery conversations and advanced planning tools without providing individual security recommendations as part of standalone plans.

David Guardia is a financial advisor with LPL Financial in Newington, CT, holding Series 63 and Series 66 licenses and having 24 years of industry experience. He worked at Edward Jones for five years before joining LPL Financial in 2012. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, 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, supported by a large network of advisors and various technology tools.

Joseph Witkowski is a CFP® and Series 65 credentialed financial advisor with five years of industry experience. He has worked at Ameriprise since 2026 and previously spent six years with Thrivent Advisor Network, LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement-income planning advice supported by a centralized team, combining internal research and third-party data to deliver written recommendations focused on income sources and tax-aware withdrawal strategies.

Robert Hoynes is a financial advisor at LPL Financial with 25 years of industry experience. He holds the ChFC® designation and the Series 66 license. Prior to joining LPL Financial in 2019, he worked at Sagepoint Financial, Inc., OSAIC Services, Inc., WealthSpire Advisors, and Osaic FA, Inc. 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, model portfolios, third-party asset management, and institutional platforms.

Nicole Higgins is a Financial Consultant currently working at Fidelity Investments since 2022. She supports clients in achieving their financial goals by co-creating disciplined financial plans tailored to their individual definitions of success. Her professional experience includes roles as a Financial Advisor at Wells Fargo Advisors from 2017 to 2022 and at Stepping Stone Wealth from 2016 to 2017. Prior to that, she served as a Financial Solutions Advisor at Bank of America Merrill Lynch between 2011 and 2016, and as a Retirement Counselor at Prudential Retirement from 2007 to 2011.

Michael Gacek is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 32 years of industry experience. He has worked at M. Holdings Securities, Inc. for 24 years and is involved with Wealth Preservation Partners and Fiondella Insurance & Retirement Planning. Gacek also serves as a nonprofit board member for New Foundations Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions through a network of investment adviser representatives. The firm offers a range of financial planning and investment management solutions including model portfolios, third-party asset management, and institutional platforms.

Carol Whelan is a financial advisor at Cambridge Investment Research Advisors with 35 years of industry experience. She holds a Series 66 designation and has worked at firms including Cetera Advisors and Questar Asset Management. She is also president of Whelan & Associates, which provides insurance, benefits, and human resources services. Cambridge Investment Research Advisors is a large SEC-registered firm serving a broad range of clients, including individuals, retirement plans, and charitable organizations, through financial planning, investment management, and retirement advisory services. The firm offers diverse investment solutions via multiple platforms and proprietary and third-party model strategies.

Zachary Verdi is a financial advisor at LPL Financial with a Series 66 credential and one year of industry experience. Prior to joining LPL Financial, he held positions at Thermo Fisher Scientific, Johnson and Johnson, and Iqvia. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a broad range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides various investment programs and utilizes a combination of model portfolios, third-party subadvisors, and customized strategies.

Steven Tillona is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. His career includes long tenures at LPL Financial and Cetera Advisors LLC, among other firms. Outside of his advisory work, he serves as an adjunct professor teaching personal finance, sits on the board of a nonprofit serving persons with disabilities, and owns a tax preparation business. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with a range of portfolio management options, including discretionary and non-discretionary strategies, model portfolios, and access to third-party managers.

Tammy De Felice is a financial advisor with Cetera in Collinsville, CT, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. She has worked at Cetera and its affiliated firms since 2016 and previously spent a year with Northwestern Mutual Investment Management. Outside of her advisory role, De Felice is active in local organizations, serving as a member of the Tolland County Chamber of Commerce, an executive board member for a nonprofit networking group, and president of a regional business networking association. Cetera Investment Advisers LLC operates a nationwide network of over 10,000 independent advisors and serves a broad client base including individual investors, retirement plans, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers and model portfolios.

Timothy Germain is a financial advisor at Edward Jones with 15 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2011. Outside of his advisory work, he volunteers with the Mount Southington Ski Area ski patrol. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of advisory programs and investment solutions, managing over $1 trillion in assets through a large network of financial advisors and branch offices nationwide.

William Clark is a financial advisor at Merrill with 17 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Merrill since 2016. 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 developed by internal and third-party managers.

Steven Hartman is a financial advisor with Raymond James & Associates in West Hartford, CT, holding Series 63 and Series 65 licenses and 43 years of industry experience. He previously worked at Morgan Stanley in various capacities from 2007 to 2018. Hartman serves as a board member of the Arthritis Foundation and is involved as a timekeeper for the Avon CT High School Girls Varsity Basketball team. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, and offers tailored financial planning and consulting services that primarily operate on a non-discretionary basis.

Ryan Peck is a financial advisor at Fidelity with six years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at J.P. Morgan Securities and David Lerner Associates, Inc. Peck’s background includes roles in various sectors prior to his current position. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and manages a range of investment structures including registered investment companies.

Steven Caruso is a financial advisor with Cambridge Investment Research Advisors in Farmington, CT. He holds Series 63 and Series 65 licenses and has 11 years of industry experience, including a decade at Voya Financial Partners. He serves as a board member of H.O.P.E. Partners of Farmington, a volunteer organization. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension and profit-sharing plans, charitable organizations, trusts, and retirement-plan sponsors. The firm offers financial planning, investment management, retirement plan advisory, and financial wellness services through a network of independent financial professionals, utilizing a range of portfolio management strategies and custody arrangements.

Raymond Congelosi is a financial advisor with Mass Mutual Investors Services in West Hartford, CT, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. His prior roles include positions at MetLife Securities Inc. and MassMutual Life Insurance Co. Since 1995, he has also worked as an independent insurance agent specializing in disability, fixed annuities, life, accident, health, and long-term care 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 financial planning, asset management, and educational seminars, structuring planning engagements as annual collaborative relationships that use firm-approved analytical tools to develop recommendations without discretionary authority.

George Kovka is a financial advisor at LPL Financial with 44 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Securities America Advisors and National Planning Corporation. Outside of his advisory role, Kovka is a notary public and is involved with a marketing entity called Barbara Butler Artist Builder Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm supports its investment adviser representatives with model portfolios, third-party asset management, and advanced operational tools, serving over 22,800 advisors and managing substantial discretionary assets.

Anthony Marciano is a financial advisor at Cetera with 33 years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes 14 years at LPL Financial. Cetera Investment Advisers LLC is an SEC-registered adviser with a large nationwide network of independent advisors serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services across multiple program structures and investment options, managing over $256 billion in assets.

Antonio Ciocca is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. His prior roles include positions at Cantella & CO., Inc. and AI Plan Services, Inc. He also provides financial planning and consulting services through Institutional Investment Consulting, an independent registered investment advisor. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by a large network of investment adviser representatives.