Luke Gowargy is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and two years of industry experience. Prior to joining Mass Mutual and MML Investors Services in 2026, he worked at LPL Enterprise and The Prudential Insurance Company of America. Outside of finance, his background includes work at Shorehaven Golf Club and involvement with Sign of the Whale. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes collaborative, annual planning engagements and offers specialized programs including estate-settlement and employer-sponsored planning.

Raquel Torres is a financial advisor with Merrill in Fairfield, CT, holding Series 63 and Series 66 designations and eight years of industry experience. Her prior roles include positions at Wells Fargo Clearing, J.P. Morgan Securities, and Santander Bank. Outside of advisory work, she serves as a consultant and independent contractor through her own business, R. T. 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 a range of model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

Jeffrey Hyman is a financial advisor with RBC Capital Markets in Westport, CT, holding Series 63 and Series 65 designations and 15 years of industry experience. He previously worked at UBS Financial Services from 2012 to 2020 before joining RBC Capital Markets. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers multiple wrap fee advisory programs with tailored strategies based on each client’s risk profile and utilizes a combination of in-house and third-party investment managers.

Robert Guere is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has spent his entire career in financial services, focusing on helping clients solve complex financial issues and achieve their goals. Robert works closely with clients to develop personalized financial strategies that align with their long-term objectives. Robert's expertise includes college education planning, executive compensation, family wealth management strategies, legacy planning, personal retirement planning, sports and entertainment, and retirement income. His approach emphasizes understanding each client's unique financial situation and creating tailored plans to help manage investment risk and pursue financial goals. He holds a Bachelor's Degree from Western Connecticut State University and has earned professional designations including Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Sports & Entertainment (SE). Robert is also active in his community as a member of the Rotary Club of Monroe. In his personal time, Robert enjoys baseball, golfing, music, reading, soccer, and spending time with his family.

Lester Dean Jr. is a financial advisor with Morgan Stanley in Stamford, CT, holding Series 63 and Series 65 licenses and having eight years of industry experience. His prior roles include positions at Northcoast Asset Management and Resnick Advisors before joining Morgan Stanley Private Bank and Morgan Stanley in 2019. Morgan Stanley Wealth Management offers a wide range of advisory programs for individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client relationships and corporate partnerships.

Maria Frattaroli is a financial advisor at Merrill with 32 years of industry experience. She has been with Merrill since 1991 and holds Series 63 and Series 66 designations. 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, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Martin Girouard is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 designations and has 22 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and at Massachusetts Mutual Life Insurance Company since 2016, with previous experience at MetLife Securities Inc. He is also an independent insurance agent, offering products including dental, group disability income, fixed annuities, life/accident/health, long-term care, Medicare-related products, and property and casualty insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual planning relationships using firm-approved analytical tools and features event-driven planning services such as divorce and estate-settlement planning.

Cathy Yance is a financial advisor at Fidelity with 22 years of industry experience. She holds Series 63 and Series 65 designations and has worked in various roles at Fidelity and E D & F Man Capital Markets Inc. Cathy is based in Fairfield, CT. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to create model portfolios, and it serves as a registered commodity pool operator and advisor to multiple funds.

Oskar Agaronov is a financial advisor with J.P. Morgan Securities in Stamford, CT, holding Series 63 and Series 66 licenses and having 22 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2019 and previously spent six years at E1 Asset Management, Co. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, delivering asset-allocation advice, investment manager searches, and customized performance reporting through a structured, non-discretionary process.

Graham Opdyke is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Before joining Fidelity in 2025, he worked at Enterprise Mobility and has a background that includes roles at the University of Maryland and Cross Street Flower Farm. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction across a diversified investable universe. The firm is noted for its advisory role to multiple registered investment companies, use of systematic methodologies, and formal governance procedures.

Gregory Geloso is a financial advisor with Equitable Advisors in Milford, CT, holding Series 63 and Series 66 registrations and possessing 26 years of industry experience. He has been with Equitable Advisors since 2001. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, charitable organizations, and institutional clients. The firm offers both proprietary and third-party advisory programs, focusing on matching clients to suitable investment models and discretionary managers.

Leslie Williams is a financial advisor with Morgan Stanley, holding a Series 66 designation and having 22 years of industry experience. She has worked at Morgan Stanley and its Private Bank division since 2013 and 2015, respectively, and has served on the board of Enexus Corp., an industrial manufacturing equipment company, since 2004. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Stephen Pavia is a financial advisor with Merrill, holding Series 63 and Series 65 licenses, and has 29 years of industry experience. He previously worked at JP Morgan Securities LLC, JP Morgan Chase Bank, and Wells Fargo Advisors. 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 plans, corporations, and charitable organizations.

Richard Camarda is a financial advisor at Raymond James Financial with 42 years of industry experience. He holds a Series 63 designation and has been with Raymond James Financial Services Advisors Inc. and related entities since 2012. He is also involved as owner of Southport Financial Group, where he serves as branch manager and securities sales. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using risk profiling and modeling tools, and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Jonathan Goldstein is a financial advisor with Morgan Stanley in Westport, CT, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using approved tools and models to assist clients in developing their financial plans.

Sandra Bright is a financial advisor at UBS Financial Services with 23 years of industry experience. She holds a Series 66 designation and has been with UBS since 1999. Outside of her advisory role, she has been involved with Woodway Country Club since 1990. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management and uses proprietary research and model-based asset allocations to tailor client strategies.

Joseph Miller III is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and over 38 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor Axa Advisors, and has roles outside of advisory work including serving as a trustee and power of attorney for a trust, acting as a general agent for Transamerica, and holding shareholder and LLC memberships related to insurance and leasing businesses. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management programs to individuals, pension plans, corporations, and charitable organizations. The firm utilizes a network of investment adviser representatives and offers a range of advisory models primarily through third-party sponsors, with a focus on matching clients to investment programs based on risk tolerance and personal information.

Eric Hudson is a financial advisor with Wells Fargo Clearing, holding Series 63, Series 65, and Series 66 licenses and 19 years of industry experience. He has worked at Wells Fargo Clearing since 2022 and was previously with Key Investment Services LLC from 2017 to 2022. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research and analytics to support investment decisions.

Diane Mcguire is a financial advisor with Merrill in Westport, CT, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. She has been with Merrill since 1992. Outside of her advisory role, she holds a fiduciary power of attorney for her parents. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

John Desalva is a financial advisor at Cetera with 33 years of industry experience. He holds Series 63 and Series 66 licenses and has held leadership roles at Georgetown Financial Group, Inc., where he is president and majority owner, as well as vice president and partial owner of Planned Benefits, Inc. Outside of traditional advisory work, he is involved in multiple insurance-related businesses, including life settlements and fixed insurance product education. Cetera is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a multi-manager platform with a range of portfolio management options, financial planning, and retirement services, supporting both discretionary and non-discretionary investment strategies.