Calvin Lem is a financial advisor at Citigroup Global Markets with 27 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at multiple firms, including CitiGroup since 2015 and Essex National Securities since 1999. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs, execution, and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and integrates institutional-scale research and market roles uncommon among peers.

Maureen Weir is a financial advisor with Voya Financial Advisors, Inc. She holds Series 63 and Series 65 licenses and has 11 years of industry experience, all with Voya since 2015. In addition to her advisory role, she is an independent insurance agent specializing in fixed insurance products. Voya Financial Advisors, Inc. serves a broad client base including individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers comprehensive financial planning and portfolio management through a combination of in-house and external resources, utilizing technology-enabled tools to implement investment strategies that often involve client-approved non-discretionary arrangements.

Marc Smith is a financial advisor with Guardian Life in Ridgefield, CT, holding Series 63 and Series 65 licenses and 17 years of industry experience. He has spent his career primarily at Guardian Life and its affiliated entities, including Park Avenue Securities. Outside of his advisory role, he is involved in a separate insurance business offering non-Guardian insurance products. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a combination of advisor-led discretionary management and model-based strategies, along with access to insurance products and alternative investments through Guardian Life.

John Harrington is a CFP®-designated financial advisor with 32 years of industry experience. He has worked with Integrated Wealth Concepts LLC since 2016 and previously spent a decade with Osaic FA, Inc. He also engages in the sale of fixed life, health, disability, accident, and long-term care insurance. Integrated Wealth Concepts LLC serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, and family office services, using customized portfolios primarily composed of mutual funds, ETFs, individual equities, and fixed income, with strategies managed internally or through third-party sub-advisers.

Robert Frost is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 63 and Series 65 designations and bringing 23 years of industry experience. His career includes roles at Merrill and extensive tenure at Park Avenue Securities and Guardian Life. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and advisory services to individuals, corporations, retirement plans, and nonprofits. The firm offers financial planning and investment management through advisor-led discretionary and model-based strategies, with access to proprietary wrap programs, third-party solutions, and integrated lending options.

Elyssia Poland is a financial advisor with OSAIC Institutions, INC., holding Series 63 and Series 65 designations and possessing 27 years of industry experience. She has worked at Fairfield County Bancorp since 2004 and Infinex Investments, Inc. since 1999. Outside of her advisory role, she operates a side photography business selling her photographs. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory and planning services, ERISA plan support, and access to alternative investments and lending solutions, operating through a hybrid adviser/broker-dealer structure with both discretionary and non-discretionary account management.

Nelson Ehinger Jr. is a CFP®-designated financial advisor with 39 years of industry experience. He is affiliated with OSAIC Institutions, Inc. and has worked at Fairfield County Bancorp since 2004 and infinex Investments, Inc. since 1999. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm combines advisory and broker-dealer functions, offering customized advisory services, access to alternative investments, and a lending marketplace.

Patrick Eaker is a financial advisor with Integrated Wealth Concepts LLC in Danbury, CT. He holds Series 63 and Series 65 licenses and has been in the industry since 2025. Prior to his current role, he worked in the environmental and construction sectors, including positions at Miller Environmental Group and New England Skyline Builders. Outside of his advisory work, he is involved with Beyond The Bag Podcast LLC, a podcast venture. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent financial advisors. The firm offers discretionary investment management, financial planning, consulting, and family office services, employing customized portfolios with a primarily long-term investment approach.

Robert Fallone is a financial advisor with Citigroup Global Markets who holds Series 63 and Series 65 licenses and has 22 years of industry experience. He has been with Citigroup Global Markets since 2007. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and manages institutional-scale operations with specialized market roles and arrangements.

Colleen Langlais is a financial advisor at Citigroup Global Markets with eight years of industry experience. She holds Series 63 and Series 66 designations and has been with Citibank since 2014. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies with internal standards and oversight committees to select and monitor managers, combining large institutional scale with specialized market roles and arrangements.

Krishnan Harihara is a financial advisor with Key Investment Services LLC, holding Series 66 and Series 63 designations and having one year of industry experience. Prior to joining Key Investment Services in 2025, he worked at Global Atlantic Financial Group from 2020 to 2023 and Global Bankers Capital from 2017 to 2019. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor that serves individuals, trusts, estates, small businesses, and institutional plan clients through a network of financial professionals. The firm offers multiple wrap programs with custodial and trade execution services, relying on a multi-provider model and integrating with KeyCorp affiliates for due diligence, advisory, and risk management capabilities.

William Dwyer III is a financial advisor with Commonwealth Financial Network based in Hopewell Junction, NY, holding Series 63 and Series 65 licenses with 36 years of industry experience. He is a managing partner and 50% owner of Flourish Wealth Advisors, where he has worked since 2018. Prior to that, he was with Wells Fargo Clearing from 2016 to 2018. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of nearly 2,900 advisors and managing approximately $212.7 billion in client assets. The firm provides a broad adviser-support platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody and clearing services.

Amy Crookshank is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding Series 63 and Series 65 licenses and eight years of industry experience. Her prior roles include positions at Horner Townsend And Kent and Penn Mutual Life Insurance. Wealth Enhancement Advisory Services provides financial planning, asset management, retirement-plan consulting, and referrals to managed account investment managers for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in regulatory assets under management and employs a diversified investment approach combining passive and active strategies overseen by an internal Investment Committee.

Douglas Kuring is a CFP®-designated financial advisor with seven years of industry experience, currently serving at Wealth Enhancement Advisory Services, LLC. His prior experience includes roles at LPL Financial, Reby Advisors, and Triad Advisors. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting to individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and employs a diversified investment approach combining passive and active strategies overseen by an internal Investment Committee.

Gregory Sirett is a financial advisor at Empower Advisory Group with 33 years of industry experience. He holds the CFP® and Series 63 designations. His prior roles include positions at Prudential Insurance Company of America and GWFS Equities, Inc. He currently receives trailing commissions on previously sold business. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm’s services are integrated with Empower’s recordkeeping and administrative platforms and focus on long-term portfolio returns and annual rebalancing rather than short-term forecasts.

Nicole Turosky is a CFP® with 10 years of industry experience, currently serving as a financial advisor at OSAIC Institutions, Inc. She has previously worked at Wells Fargo Clearing Services LLC, Northwestern Mutual, GreenWell Financial, and LPL Financial. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating with a hybrid adviser/broker-dealer structure and a model that delegates investment management to its advisers.

Kimberly Jackson is a financial advisor at Empower Advisory Group with 15 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including GWFS Equities, Advised Assets Group, and Thrivent Investment Management. Outside of her advisory role, she serves as president of the Mahopac Varsity Cheer Blue and Gold Booster Club. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering integrated services through Empower’s recordkeeping and administrative platforms. The firm focuses on long-term portfolio returns and annual rebalancing within plan lineups selected by plan sponsors.

Michael Benedetto is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds a Series 66 designation and has 14 years of industry experience, including 17 years at Neuberger Berman, LLC before joining T. Rowe Price in 2023. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program combining nondiscretionary financial planning, retirement income planning, and discretionary investment management. The service uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs and targets individual investors and households with a focus on retirement goals.

Taranbir Sawhney is a financial advisor with Guardian Life and holds Series 63 and Series 65 licenses. He has 26 years of industry experience, including prior roles at New York Life, Prudential Insurance Company of America, and Park Avenue Securities. Outside of his advisory work, he is also involved in insurance sales unrelated to Guardian Life. Park Avenue Securities LLC, a wholly owned subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a combination of advisor-led discretionary management and model-based strategies through proprietary and third-party platforms, delivering tailored client relationships with access to insurance products and alternative investments.

Patrick Doherty is a CFP® and ChFC® with 23 years of experience in the financial services industry. He is currently an advisor at Wealth Enhancement Advisory Services, LLC and has previously worked with firms including LPL Financial and Triad Advisors. Outside of his advisory role, he is involved in non-variable insurance activities. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving a diverse client base including individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm employs a strategic investment approach combining passive and active managers, supported by an internal Investment Committee and quantitative and fundamental research.