Robert Torney is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 13 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Raymond James & Associates. Outside of advisory work, he is involved in fixed insurance sales in Colchester, VT. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs, technology, and operational support, with discretionary model portfolios managed by its Investment Management and Research team.

Benjamin Hadley is a ChFC® credentialed financial advisor with 28 years of industry experience. He is associated with Eagle Strategies (NY Life) and has worked there since 2007. Hadley also operates Hadley Financial Group and Retirement Income Strategies, through which he sells insurance products and offers financial services. Eagle Strategies serves a diverse client base including individual investors, defined contribution and benefit plans, as well as charitable and corporate clients. The firm provides financial planning, investment management, and retirement-plan advisory services, with an emphasis on tailored recommendations and predominantly non-discretionary asset management.

Starr Barnum V is a financial advisor at Equity Services, Inc. with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Equity Services since 2002. In addition to his advisory role, he prepares tax returns for friends and family and teaches software training to other life insurance agents. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management services to a diverse client base including individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms combining long-term strategies with options for shorter-term trading and frequently utilizes third-party asset managers and model portfolios.

Sandi Sumner is a financial advisor with Bankers Life Advisory Services, Inc. in South Burlington, VT, holding Series 63 and Series 66 credentials and 17 years of industry experience. She has been with Bankers Life and its affiliated entities since 2001, including serving as a Unit Sales Manager and insurance agent. Outside of her advisory role, she works as an offensive coordinator and football coach at CVSD. Bankers Life Advisory Services, Inc. serves mass-affluent and high-net-worth individuals through discretionary portfolio management, investment consulting, and retirement plan consulting. The firm uses a combination of fundamental, technical, and cyclical analysis methods to create and manage tailored portfolios aligned with clients’ goals and risk tolerance.

Anna Carroll is a Series 66 licensed financial advisor with 24 years of industry experience. She is currently with TD Private Client Wealth LLC and TD Bank N.A., having previously worked at Santander Securities, Santander Bank, and J.P. Morgan Securities. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail TDIS clients, combining strategic and tactical asset allocation with investments from affiliated and third-party sub-managers.

Michael Mccormick is a financial advisor at Equity Services, Inc. with three years of industry experience. He holds a Series 66 designation and has previously worked at Northfield Savings Bank, TD Bank, and Merchants Bank. Outside of his advisory role, Mccormick serves as a volunteer school board member for Rice Memorial High School and is a notary public. Equity Services, Inc., doing business as ESI Financial Advisors, provides financial planning, consulting, and asset management to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm utilizes multiple advisory platforms and third‑party asset managers, combining long-term and specialized investment strategies.

Donald Dempsey is a CFP® professional with 28 years of industry experience, currently serving at Wealth Enhancement Advisory Services, LLC. He previously led Dempsey Investment Management, LLC for 20 years. In addition to his advisory work, he is a self-published author based in South Burlington, Vermont. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise firm that serves a diverse client base, including individuals, trusts, charitable organizations, corporations, and retirement plans. The firm emphasizes strategic asset allocation using a combination of passive and active managers, supported by quantitative and fundamental research.

Karen Nys is a financial advisor at Key Investment Services LLC with 11 years of industry experience. She holds a Series 66 designation and has previously worked at Bank of America, N.A. and Merrill. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor that provides portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional plan clients through a network of financial professionals. The firm utilizes a multi-provider platform and emphasizes non-discretionary model selection with integrated services from KeyCorp affiliates.

Paul Garwood is a financial advisor at Kestra Advisory with a Series 66 designation and two years of industry experience. His prior roles include positions at NFP and Liberty Mutual Insurance, along with several years working with YMCA organizations. He serves as Treasurer on the board of The Children’s School in South Burlington, Vermont. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a broad range of institutional and individual clients, offering services such as fiduciary consulting, employee education, and advisor-managed accounts. The firm manages approximately $79.8 billion in assets and serves large institutional investors, including sovereign wealth funds.

Lawrence Perez is a financial advisor with Valic Financial Advisors, holding Series 63 and Series 65 credentials and bringing 20 years of industry experience. He has worked at Valic Financial Advisors since 2006 and is also an agent for Agia, where he is involved in non-securities insurance products. Valic Financial Advisors serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Megan Hand is a CFP®-certified financial advisor with Equity Services, Inc. in Colchester, VT, where she has worked since 2020. She has seven years of experience with National Life Group from 2012 to 2019 and continues to be associated with them. Outside of her advisory work, she serves as a volunteer finance committee member for Blessed Sacrament Parish and is secretary and board member for Stowe Youth Baseball. Equity Services, Inc., doing business as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans through a range of advisory platforms and a network of investment adviser representatives.

Ashlee Solarczyk is a CFP® professional based in South Burlington, VT, with 14 years of industry experience. She is currently with Wealth Enhancement Advisory Services, LLC and has prior experience at Copper Leaf Financial, LLC and Schwab Wealth Advisor. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement plan consulting for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in regulatory assets through a large advisor network and offers a diversified investment approach combining passive and active strategies overseen by an internal Investment Committee.

Aaron Gaines is a CFP®-certified financial advisor at Equity Services, Inc. with four years of industry experience. He has worked at Equity Services since 2022 and also holds a position at Landmark Financial. Outside of his advisory roles, Gaines is involved in his community as a member of the Greater Vergennes Rotary and coaches men's soccer for Addison United Soccer. Equity Services, Inc. (dba ESI Financial Advisors) provides financial planning, consulting, and asset management to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms, utilizing third-party asset managers and model portfolios, and combines long-term strategies with options for shorter-term trading and specialized instruments.

Marc Fragola is a CFP® with 29 years of industry experience, currently serving at Kestra Advisory. He has been with Kestra Advisory since 2016 and has worked with Kestra Investment Services and Dean Witter Reynolds throughout his career. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients, offering services that include fiduciary consulting, plan design and compliance, employee education, and advisor-managed accounts. The firm manages approximately $79.8 billion in assets and serves clients including large institutional investors such as sovereign wealth funds.

Michael Castillo is a CFP® professional with 24 years of industry experience. He has been with Equity Services, Inc. since 2003 and has also worked with National Life Group since 2001. Outside of his advisory roles, he serves on the board of a local homeless shelter and has leadership roles in Cub Scouts. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management to a diverse client base including individuals, corporations, and charitable organizations. The firm offers multiple advisory platforms combining long-term strategies with options for short-term trading and utilizes third-party asset managers and model portfolios.

Michelle Lawrence is a financial advisor at Equity Services, Inc. with 23 years of industry experience. She holds the PFS™ designation along with Series 63 and Series 66 licenses. Ms. Lawrence has worked at National Life of Vermont and Equity Services since 2002. Outside of her advisory role, she is involved in tax preparation and serves on the finance committee at Northwestern Medical Center, as well as the audit committee for Vermont Catholic Charities. Equity Services, Inc., doing business as ESI Financial Advisors, provides financial planning, consulting, and asset management to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm combines long-term investment strategies with third-party asset managers and model portfolios, offering both discretionary and non-discretionary account management.

Christopher Saras is a financial advisor at Equity Services, Inc. with 28 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Equity Services and National Life Group since 2014. Outside of finance, he serves as a rugby referee with the New England Rugby Referees Society. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms, often utilizing third-party asset managers and model portfolios, and serves both discretionary and non-discretionary client needs.

Cody Greene is a financial advisor with Eagle Strategies (NY Life) based in South Burlington, VT, holding Series 63 and Series 66 licenses and eight years of industry experience. He has worked with Eagle Strategies, NYLIFE Securities LLC, and New York Life Insurance Company since 2018, and operates a separate business under Hadley Financial Group focused on brokering non-registered insurance products. He also serves as a board member of his local home owners association. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated investment adviser representatives. The firm offers multiple program types tailored to client objectives, with most assets managed on a non-discretionary basis, and operates within an integrated New York Life affiliate structure.

James Cohen is a financial advisor with Eagle Strategies (NY Life) located in Colchester, VT. He holds Series 63 and Series 66 licenses and has 24 years of industry experience, including roles at New York Life Insurance Company and Hadley Financial Group. He also operates JCOHEN FINANCIAL, brokering non-registered insurance products, and serves on the board of the Greater Burlington YMCA, contributing to its Leadership and Governance Team and Finance committee. Eagle Strategies serves a broad mix of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple program types tailored to client objectives and manages a primarily non-discretionary asset base within an integrated New York Life affiliate structure.

John Servin is an investment advisor at Kestra Advisory with 25 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Kestra Advisory since 2016, also serving in related roles at Kestra Investment Services, LLC and Fleischer Jacobs Group. Outside of his advisory work, he serves as a board member of FSB Holdings LLC. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a range of institutional and individual clients. The firm supports plan sponsors with services including fiduciary consulting, plan design, and employee education, and manages approximately $79.8 billion in assets, serving clients that include large institutional investors such as sovereign wealth funds.