James Clifford is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has worked at PFS Investments, Inc. since 2010 and at Primerica Financial Services since 2009. Clifford has also been employed by Eversource Energy Services Company from 2008 to 2020. Outside of advisory roles, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which serves individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm curates third-party asset managers and uses a tiered wrap fee structure, focusing on retail clients rather than institutional pension or profit-sharing plans.

Richard Zins is a financial advisor at UBS Financial Services with 33 years of industry experience. His career includes roles at Wells Fargo Advisors LLC and Wells Fargo Clearing before joining UBS in 2023. He serves as trustee and power of attorney for family trusts, overseeing investments and administration. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory services, combining institutional trading capabilities with wealth management through proprietary research and model-based asset allocation.

Tara Santoro is a financial advisor at Raymond James & Associates with 12 years of experience at the firm and five years in the industry. She holds Series 63 and Series 65 licenses. Raymond James & Associates, Inc. is a large, dually registered 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, offering financial planning and consulting services primarily on a non-discretionary basis supported by a range of portfolio management styles and affiliated research.

James Brown is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he works directly with clients to define their financial goals and develop tailored portfolio strategies aimed at reaching those objectives. James provides ongoing advice and adjusts portfolios as clients' situations evolve to ensure alignment with their priorities. He brings a focus on managing diverse financial needs, including retirement planning, college funding, eldercare, and healthcare preparation. His professional designation as a Personal Investment Advisor (PIA) supports his expertise in guiding clients through complex financial decisions. James holds a Bachelor's Degree from the University of Alabama System and is a member of Phi Kappa Psi. Outside of his professional work, he enjoys football, golfing, hiking, music, spending time with his family, and playing tennis.

Jonathan Borrajo is a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in providing individuals and families with coordinated strategies that integrate investments, estate planning, legacy, lending, and personal goals, aiming to help clients make confident decisions and plan for their financial futures. Jonathan holds the CERTIFIED FINANCIAL PLANNER® certification and the Personal Investment Advisor designation. He earned a Bachelor's degree in Accounting from George Mason University, where he was also captain of the Division I men's soccer team. He was inducted into the George Mason Men's Soccer Hall of Fame and has over a decade of professional soccer experience domestically and abroad. Jonathan is involved in professional and community organizations including the George Mason University School of Business Alumni Chapter and the Boys & Girls Clubs of America. Residing in Stamford with his wife Stephanie and their two daughters, Jonathan is a dual citizen of Spain and the United States. He is fluent in English and Spanish and has interests in soccer, music, cooking, dancing, reading, travel, and spending time with his family.

Gary Munowitz is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He previously worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. from 2008 to 2024. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and based on modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances, including investment policy statement preparation, performance reporting, participant education, and plan benchmarking.

Viviana Coelho is a financial advisor with UBS Financial Services in Westport, CT, holding a Series 66 license and bringing 20 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors. Outside of her advisory role, she assists in the management of rental properties held in a family trust without deriving income from these activities. 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 uses proprietary research and model-based asset allocations to tailor investment strategies.

Maribeth Patterson is a financial advisor at Merrill with 36 years of industry experience. She holds a Series 66 designation and has been with Merrill since 1998. 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 range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations.

Thomas Nolan is a financial advisor at Wells Fargo Advisors with 42 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with Wells Fargo in various capacities since 2014. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options tailored to clients who meet a net-worth threshold. The firm combines advisory services with other financial products and referral channels to deliver personalized recommendations and implementation choices.

Levar Brown serves as a Senior Resident Director and Wealth Management Advisor at Merrill Lynch Wealth Management, where he brings nearly 20 years of experience in the financial services industry. In his current role, he provides investment and retirement planning, cash management, insurance analysis, educational planning, and business lending services. Levar works closely with successful families who have complex financial lives, helping to simplify and organize their wealth management strategies. Additionally, as Resident Director of the Merrill Ridgefield, CT office, he is involved in training both new and experienced Financial Advisors to expand their practices and deliver comprehensive services. Levar holds a Bachelor’s degree in Finance with a minor in Economics from the College of Mount Saint Vincent and earned an MBA from New York University’s Stern School of Business, focusing on Global Business, Marketing, and Finance. He is a CERTIFIED FINANCIAL PLANNER® professional and also holds the Chartered Retirement Planning Counselor™ designation, among other professional credentials. Outside of his professional commitments, Levar enjoys basketball, horseback riding, music, painting, traveling, watching movies, and spending time with his family. He is a member of Free Arts NYC and resides in White Plains, New York.

Lydia Shaw is a financial advisor with UBS Financial Services and holds a Series 66 designation. She has two years of industry experience and previously worked at Deloitte, Groove, Teneo Holdings, and Credit Suisse. UBS Financial Services provides brokerage and investment advisory services to individual, corporate, and institutional clients. The firm uses proprietary capital market assumptions and research to tailor investment strategies and combines institutional trading capabilities with wealth management services.

Lindsey Chiarelli is a Wealth Management Advisor at Merrill Lynch Wealth Management. She began her career in the Financial Services industry in 2006 and has been with Merrill Lynch since 2015. Lindsey holds the CERTIFIED FINANCIAL PLANNER® designation and is also recognized as a Personal Investment Advisor (PIA). She earned a bachelor's degree in Business from Indiana University's Kelly School of Business and an MBA in Finance from New York University's Stern School of Business. Lindsey's expertise includes college education planning, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, women and wealth, tax minimization, and retirement income. Lindsey follows a disciplined process that begins with taking the time to understand each client and their family's financial situation and priorities. Outside of her professional work, she enjoys boating, cooking, spending time with her family, and traveling.

James Perrino is a financial advisor at Merrill with 10 years of industry experience. He holds the Series 66 designation and has worked at Merrill and Bank of America, N.A. since 2016. Perrino is based in New Canaan, 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 offers model-based and discretionary investment strategies supported by internal Chief Investment Office teams and third-party managers for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Franz Warren is a financial advisor at J.P. Morgan Securities with 31 years of industry experience. He holds Series 63 and Series 65 designations and has worked at J.P. Morgan Securities since 2012. Outside of his advisory role, Warren is involved in youth soccer as a director and coach for the Danbury Youth Soccer Club and also works as a certified freelance soccer referee. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling combined with centralized due diligence and an ESG eligibility framework.

Joseph Juliano is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career with Merrill Lynch in 2008 while earning his Bachelor's Degree from Fairfield University's Charles F. Dolan School of Business. Joe holds several professional designations, including Chartered Retirement Planning Counselor™ (CRPC™), Certified Plan Fiduciary Advisor® (CPFA®), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He has been recognized by The Financial Times as a Top 401k Retirement Plan Adviser for four consecutive years, most recently in 2020. His expertise lies in developing customized wealth strategies for individuals and families and providing ongoing advice and education to retirement plan participants. Joe focuses on guidance through working years and assisting transitions to retirement using income replacement strategies, distribution options, and goals-based retirement planning. He is actively involved in his community, serving as a mentor for Fairfield University's Dolan School of Business Professional Development Series Program and on the board of The Cardinal Sheehan Center. Joseph currently resides in Trumbull, Connecticut with his wife.

Lynn Dilley is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has worked with Primerica Advisors since 1998 and Primerica Financial Services since 1996, alongside a 24-year tenure at ASML. Outside of her advisory role, she serves as a power of attorney and executor for an estate. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients primarily through model-delivery strategies developed by unaffiliated asset managers. The firm operates on a large scale with nearly 3,700 advisors and approximately $15.5 billion in assets under management.

Robert Wood is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with Cambridge Investment Research Advisors since 2016. Outside of his advisory role, he also works as an independent insurance agent. Cambridge Investment Research Advisors serves a diverse range of clients including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent Financial Professionals, utilizing multiple custody platforms and a combination of proprietary and third-party investment strategies.

Loren Gough is a financial advisor with Fidelity who holds Series 63 and Series 66 credentials and has 25 years of industry experience. He has worked with Strategic Advisers since 2002 and Fidelity Personal and Workplace Advisors since 2018. Outside of his advisory role, he is a classic car owner involved in vintage car and truck rentals. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including fund advisory and portfolio management. The firm employs a systematic investment approach combining proprietary research, quantitative analysis, and algorithmic portfolio construction.

Ian Smith is a financial advisor at Charles Schwab with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at notable firms including Bank of America, Merrill, and TIAA-CREF. Ian is currently based in Fairfield, CT. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program. The firm combines non-discretionary advisory services with access to discretionary separately managed accounts, utilizing multi-asset model portfolios and offering a comprehensive, integrated wealth management platform.

Norena Howard is a Series 66 licensed financial advisor with 15 years of industry experience. She has worked at Wells Fargo Advisors since 2023 and previously spent 14 years at UBS. In addition to her advisory role, she is a notary public. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and financial planning services tailored to a broad range of needs, including retirement, education, risk management, and specialized areas such as business-owner transition planning and special-needs analysis.