Carlos Martinez Jr. is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Wells Fargo Bank, Keller Williams Prestige Properties, Geico, and self-employment. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Joseph Zavory is a financial advisor at Merrill with Series 63 and Series 65 credentials and 32 years of industry experience. He has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2006. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kenneth Heiser is a financial advisor with Mass Mutual Investors Services in Westport, CT, holding Series 63 and Series 65 designations and over 35 years of industry experience. His career includes roles at Mass Mutual Life Insurance Company, MetLife Securities Inc., and Baystate Wealth Management. Heiser has been with Mass Mutual Investors Services since 2017. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser affiliated with MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm’s approach includes collaborative annual planning engagements using firm-approved analytical tools, with implementation requiring separate brokerage or insurance arrangements.

Roger Madero is a financial advisor at LPL Enterprise with 33 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Prudential Insurance Company of America since 1993. Madero also has experience with Pruco Securities, LLC. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, employer-sponsored retirement plans, banks, corporate, and charitable entities through a network of investment adviser representatives. The firm’s investment approach is typically model-driven, utilizing portfolios developed by internal and third-party strategists, and offers financial planning, access to asset managers, and insurance product facilitation through affiliated entities.

Stephen Pendergast is a financial advisor with RBC Capital Markets in Stamford, CT, holding Series 63 and Series 66 licenses and 40 years of industry experience. His prior roles include positions at City National Bank, Wells Fargo Clearing, and Wells Fargo Advisors LLC. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with tailored advisory programs offering discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services. The firm integrates a variety of investment managers and strategies to meet client risk profiles and provides access to alternative investments and affiliated capital markets capabilities.

Thomas Ruiz is a financial advisor with UBS Financial Services in Stamford, CT, holding a Series 66 designation and 18 years of industry experience. He has worked at UBS in various capacities since 2005. Outside of finance, he is a partner and owner of Vero Moreau LLC, a firm specializing in image consulting, fashion styling, and fashion merchandising. UBS Financial Services serves individual, corporate, and institutional clients, offering a range of brokerage and advisory services including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, using proprietary research and model-based asset allocations to tailor client strategies.

Alexander Strukov is a CFA® charterholder with 16 years of industry experience, currently serving as a financial advisor at Stifel since 2013. He holds a Series 63 license and is based in Stamford, CT. Stifel serves a diverse client base including individuals, institutions, and municipalities, offering both brokerage and investment advisory services. The firm utilizes a proprietary investment methodology developed by its Investment Strategy Group, providing forward-looking capital market analysis and asset allocation guidance.

Patricia Cavicchia is a financial advisor at Merrill with 40 years of industry experience. She has held her current position at Merrill Lynch Pierce Fenner & Smith since 2000. Her credentials include the Series 63 and Series 66 designations. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Matthew Sargent is a financial advisor with Morgan Stanley in Westport, CT, holding a Series 66 designation and eight years of industry experience. He has been with Morgan Stanley and its Private Bank since 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individual and institutional clients, including customized financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process utilizing firm-approved tools and scenario modeling.

Hailey Opperman is a financial advisor at Morgan Stanley in Stamford, CT, holding a Series 66 designation with two years of industry experience. Prior to joining Morgan Stanley, she worked at Pfizer and studied at Syracuse University. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning and a range of investment services supported by structured planning tools and firm-approved methodologies.

Thomas Hunt is a financial advisor with Mass Mutual Investors Services in Shelton, CT, holding Series 63 and Series 66 credentials and four years of industry experience. He has been with Mass Mutual Life Insurance Company and Mass Mutual Investors Services since 2021. Outside of his advisory role, he is also involved in insurance sales as a broker, focusing on individual life, disability insurance, fixed annuities, and health 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 offers financial planning, asset management, and educational seminars, emphasizing collaborative, annual planning engagements that use firm-approved software and tailored recommendations.

Evan Brois is a financial advisor at Fidelity with seven years of industry experience. He holds Series 63 and Series 66 licenses. His prior roles include positions at J.P. Morgan Securities LLC and Laidlaw & Company. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, managing model portfolios that utilize mutual funds, ETFs, and ETPs.

Miles Saunders is a financial advisor at Cetera with 10 years of industry experience. He holds a Series 66 designation and has worked at Cetera and its affiliated entities since 2016. Saunders is also the owner of MNS Wealth Management, a financial services DBA. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services and operates a multi-manager platform with access to affiliated and third-party managers.

Lori Jensen is a Series 66-licensed financial advisor with eight years of industry experience. She has worked at Charles Schwab and Charles Schwab Bank since 2018. Prior to joining Schwab, she was employed at Texas Roadhouse for one year. Charles Schwab & Co., Inc. serves a large client base of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory services and access to discretionary separately managed accounts, using multi-asset model portfolios supported by Schwab Center for Financial Research and a formal alternative-investment process.

Anne Gagnon is a financial advisor with Wells Fargo Clearing in Darien, CT, holding Series 63 and Series 65 credentials and 27 years of industry experience. She has worked at Wells Fargo Advisors LLC prior to joining Wells Fargo Clearing in 2016. Gagnon serves as Chair of the Board of Trustees and is a member of the Finance Committee for Friends of Malta House, a nonprofit organization in Norwalk, CT. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services including investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm follows an IPS-driven advisory process grounded in modern portfolio theory and offers both discretionary and non-discretionary services, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment menus.

Robert Vittori is a financial advisor at Ameriprise Financial Services with a Series 66 designation and one year of industry experience. His previous roles include positions at Lyric - Clarity In Motion, Change Healthcare, and McKesson Health Solutions. Ameriprise Financial Services is a large, diversified advisory firm serving 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 sources and tax-aware withdrawal strategies.

Anne Orr is a financial advisor at Merrill with two years of industry experience. She holds the Series 66 designation and previously worked in various roles at companies including Serena & Lily, Vineyard Vines, Ivory Ella, and Centric Brands Group. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Oliver Christie is a financial advisor at Wells Fargo Advisors with one year of industry experience. Prior to joining Wells Fargo Advisors in 2025, he worked at JetSpring, LLC, Proper Insurance, LLC, and several other firms. He is the founder and CEO of The George B. Christie Foundation, Inc., a charitable foundation currently incorporated and expected to seek tax-exempt status in 2026. Wells Fargo Advisors is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services tailored to clients meeting a net-worth threshold, utilizing Wells Fargo research and tools to develop customized recommendations.

Michael Trombetta is a Financial Consultant currently working at Fidelity Investments since 2022. He collaborates with clients to evaluate their current portfolios and assists them in avoiding common financial pitfalls through ongoing support and planning. His professional experience includes roles as a Financial Advisor at Investmark Advisory Group from 2020 to 2022, Regional Sales Consultant at Prudential Financial from 2015 to 2020, and Fund Specialist at Franklin Templeton from 2012 to 2015. Michael is a Certified Financial Planner (CFP4).

Glenn Levine is a financial advisor with LPL Enterprise, holding the CFP® designation along with Series 63 and Series 65 licenses. He has 44 years of industry experience, including long-term roles at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory role, he operates an insurance and financial services business in Orange, CT. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, retirement plans, and institutional entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and various insurance and trust services.