Justin Carey is a financial advisor with Mass Mutual Investors Services in Stamford, CT, holding Series 63 and Series 66 licenses and offering 29 years of industry experience. His prior experience includes roles at Credit Suisse Securities (USA) LLC and Royal Alliance Associates, Inc. He is also involved in the sale of life, disability, long-term care, fixed annuities, and health insurance products through Lenox Advisors, Inc. 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 financial planning engagements supported by firm-approved analytical software and various specialized planning programs.

James Shantz is a financial advisor at UBS Financial Services with 52 years of industry experience. He has been with UBS since 2003 and holds a Series 63 designation. UBS Financial Services Inc. 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, utilizing proprietary research and model-based asset allocations to tailor client solutions.

Glen Mathews Jr. is a financial advisor at Merrill with 18 years of industry experience. He holds a Series 66 designation and has worked at Merrill Lynch since 2007, currently serving at Bank of America, N.A. since 2022. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Annette Vitti is a Series 66 licensed financial advisor with Merrill, based in Stamford, CT. She has 21 years of industry experience and has been with Merrill since 2004. Merrill 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 a diverse client base including individuals, high-net-worth clients, pension plans, and charitable organizations.

Jaime Goodman is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 30 years of experience in wealth management. She works closely with individuals, families, and business owners to develop customized strategies designed to support long-term financial goals across various market environments. Jaime focuses on providing tax-sensitive investment guidance aimed at wealth preservation and growth for high-net-worth individuals and multi-generational families. Jaime is a graduate of the University of Pennsylvania and joined Merrill Lynch in 1992. She holds several professional designations including Certified Divorce Financial Analyst (CDFA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Jaime specializes in investment and asset management, retirement planning, home financing solutions, life insurance and long-term care planning, education and estate planning, and liability strategies for business owners. She is actively involved in educating clients, including hosting seminars aimed at empowering women on achieving financial independence, and she serves as a Certified Divorce Financial Analyst supporting women through marital status transitions. Jaime is a member of professional organizations such as Impact 100 Westchester and the Institute of Certified Divorce Financial Analysts. She participates in community involvement initiatives including Impact 100.

Christopher Bardwell is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds a Series 66 designation and previously worked at Raymond James & Associates for seven years before joining Wells Fargo in 2022. Outside of his advisory role, he serves as an executor and holds power of attorney for his mother. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with both discretionary and non-discretionary service options tailored to plan objectives and risk tolerances.

Timothy Loeffler is a financial advisor with Mass Mutual Investors Services, holding CFP® and Series 66 designations and having 10 years of industry experience. His prior experience includes roles at MetLife Securities Inc. from 2015 to 2017. Outside of advising, he operates as an independent insurance agent focusing on life, fixed annuities, disability, long-term care, health, and property/casualty insurance, and he is a partner in a limited liability company that manages business expenses related to his insurance and investment activities. 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 ongoing financial planning, asset management, and educational seminars, using firm-approved software to analyze client goals and deliver written recommendations.

Wendy Holmes is a financial advisor with UBS Financial Services in Armonk, NY, holding Series 63, 65, and 66 credentials and bringing 23 years of industry experience. She has been with UBS since 2015. Outside of her advisory work, she serves on the Board of Directors for East Side House Settlement and participates in advisory roles with the Breast Cancer Research Foundation and the American Heart Association, where she also contributes to the investment committee of the national endowment. UBS Financial Services serves individual, corporate, and institutional clients through a broad range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management and proprietary research to tailor client solutions.

Michael Kouroupakis is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has three years of industry experience, primarily with MassMutual and its affiliates since 2021. Outside of advisory work, he is also an independent insurance agent focused on life insurance, disability, long-term care, fixed annuities, and health insurance. MassMutual Investors Services 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, structuring planning engagements as annual, collaborative relationships without discretionary authority over client investments.

Anthony Mastronicola is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has spent over three decades at Prudential Insurance Company of America and Pruco Securities, LLC prior to joining LPL Enterprise. In addition to his advisory role, Mastronicola sells home and auto insurance through several property and casualty insurance providers. LPL Enterprise serves a wide range of clients including individuals, retirement plans, charitable organizations, corporations, and institutional investors. The firm offers financial planning, advisory services, model portfolios, third-party asset management, and access to brokerage and insurance products through its integrated platform.

Ana Backa is a financial advisor at Wells Fargo Advisors with 17 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo in various capacities since 2009. Outside of her advisory role, she is a 50% owner of a clothing store called Sabrina's Style in Sandy Hook, Connecticut. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutions. The firm offers a broad range of financial planning services with tailored recommendations based on Wells Fargo research, covering areas such as retirement, education, and specialized planning needs.

James Olivo is a financial advisor with Merrill in Ridgefield, CT, holding Series 63 and Series 66 designations and bringing 24 years of industry experience. He has been with Merrill since 2006. Outside of his advisory role, Olivo is involved with Ledley Food Service in a non-investment capacity. Merrill 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 to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Tivan Szigethy is a financial advisor at Fidelity with Series 66 and Series 63 credentials and three years of industry experience. His prior roles include positions at TIAA-CREF and Wells Fargo NA. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Lauren Vogel is a financial advisor at J.P. Morgan Securities with eight years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Morgan Stanley and Pimco. Vogel serves as a board member of the Greenwich Riding & Trails Association, where she assists with asset allocation decisions and fundraising efforts. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Brett Rivera is a financial advisor with LPL Financial, holding a Series 66 designation and beginning his advisory career in 2023. His prior experience includes roles at Allocation Resource Group and John Herbert Company, as well as four years at The Pennsylvania State University. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a broad network of investment adviser representatives, offering a range of advisory programs and financial planning services.

Joseph Divestea is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has worked at Raymond James since 2016 and previously held roles at Bank of America and Merrill. Outside of his advisory work, he is the owner of MDJM LLC, a business through which he leases commercial office space to Raymond James. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations, with a notable focus on public finance and municipal work alongside its wealth advisory and institutional consulting services.

Rajesh Malhotra is a financial advisor with Mass Mutual Investors Services in Stamford, CT, holding Series 63 and Series 66 credentials and 18 years of industry experience. He has been with Mass Mutual since 2019 and previously worked as a self-employed consultant and trading mentor, providing educational seminars on financial market dynamics. Additionally, he serves as an independent insurance agent focusing on life, disability, long-term care insurance, fixed annuities, and health products. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning, asset management, and educational seminars to individuals, business owners, trusts, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements using firm-approved software and provides various event-driven planning services, including estate and divorce planning.

Andrew Basu is a Series 66-licensed advisor with six years of industry experience, currently working at J.P. Morgan Securities in Greenwich, CT. He has previously been affiliated with Northwestern Mutual and several smaller firms. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Victor Melendez is a financial advisor at Ameriprise with 15 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliate since 2016. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver annual written recommendation reports, utilizing algorithmic automation overseen by a dedicated retirement income team.

Richard Harnett Jr. is a financial advisor at Merrill with 18 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Bank of America and Merrill since 2016. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a variety of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.