Sandra Baranowski is a CFP® professional with 28 years of industry experience, currently serving with Cambridge Investment Research Advisors since 2012. Prior to this, she worked at Avantax Advisory Services for seven years. Outside of her advisory role, she is involved in community activities including serving as a Girl Scout troop leader, a Boy Scouts committee member, and a nursery school board member. Cambridge Investment Research Advisors serves a broad mix of individual and institutional clients by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of Financial Professionals and manages a multi-billion dollar asset base across multiple platforms and custodians.

Michael Mendoza is a financial advisor with LPL Financial, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 27 years of industry experience and previously operated Mendoza & Associates, Inc. for nearly two decades. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Victoria Mathews is a financial advisor at Merrill with 13 years of industry experience. She holds Series 63 and Series 66 registrations and has worked at Merrill and Bank of America, N.A., with a brief tenure at Goldman Sachs. She serves as a trustee for a family trust outside of her advisory role. 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, and institutional investors.

Kent Byrd is a financial advisor at UBS Financial Services with three years of industry experience. He holds a Series 66 designation and has prior experience at Silicon Valley Bank in both the U.S. and Canada. His work history also includes time at Boothbay Harbor Country Club and a period of extended travel. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services. The firm’s approach combines proprietary capital market assumptions and model-based asset allocations with research from its Chief Investment Office and UBS Global Research to tailor client strategies across planning and portfolio management.

Michael Brooks is a financial advisor at Morgan Stanley in Hartford, CT, holding a Series 66 designation. He joined Morgan Stanley in 2025 and has prior experience including operating M&M Detailing LLC and working at Black Jax Saloon. Brooks attended Central Connecticut State University from 2021 to 2025. Morgan Stanley Wealth Management offers advisory programs to individuals and institutions, providing tailored financial planning supported by firm-approved tools and structured discovery processes. The firm manages approximately $2.74 trillion in client assets and combines broad retail and institutional offerings with a range of specialized investment activities.

Kirsten Tate is a financial advisor with RBC Capital Markets in Glastonbury, CT, holding Series 63 and Series 66 designations and having 24 years of industry experience. She has worked at City National Bank since 2019 and has been with RBC Capital Markets Corporation since 2008. Outside of her advisory role, she serves as a committee member at the Universalist Church of West Hartford, assisting with the congregation’s financial coordination. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm provides a range of advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, supported by notable capital markets and affiliated asset management capabilities.

Jennifer Phillips is a Series 66 licensed financial advisor with Edward Jones in Glastonbury, CT. She has nine years of experience with Edward Jones, beginning in 2017, and eight years of industry experience overall. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including a range of household types, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets through a large network of financial advisors and offers various advisory strategies alongside affiliated mutual funds and other investment services.

Christopher Davis is a financial advisor with Charles Schwab who holds Series 65 and Series 63 licenses and has 27 years of industry experience. His career includes roles at Charles Schwab Bank, Charles Schwab & Co., TD Ameritrade, Scottrade, and other financial firms. He is based in West Hartford, Connecticut. Charles Schwab & Co., Inc. serves primarily 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, providing multi-asset model portfolios and alternative investment options supported by centralized custody and operational resources.

Craig Dennis is a financial advisor at Ameriprise with 13 years of industry experience. He holds Series 63 and Series 66 credentials and has worked previously at Edward Jones, The Leaders Group Inc, Four Seasons Financial Group, Foresters Financial, and Saybrus Partners. Craig is based in Portland, CT. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides clients with written recommendations and ongoing annual planning advice focused on retirement income strategies and tax-aware withdrawals.

Cecilia Bettencourt is a Series 66-licensed financial advisor with UBS Financial Services, based in Hartford, CT. She has 18 years of industry experience and has been with UBS since 1998. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and offers proprietary research and affiliated lending programs.

Walter Wydo Jr. is a financial advisor at Raymond James & Associates with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Raymond James since 2015. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, pension plans, and charitable organizations, offering financial planning and consulting with a range of portfolio management styles and affiliated research.

Gary Paul Jr. is a financial advisor at LPL Financial with 21 years of industry experience. He holds a Series 66 designation and has worked previously at Lincoln Financial Advisors and Ameriprise. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, retirement advice, and institutional platforms, supporting a large network of advisors with both discretionary and non-discretionary investment strategies.

John Beloin is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His career includes roles at Commonwealth Financial Network, Cambridge Investment Research Advisors, Janney Montgomery Scott, and LPL Financial. He is also the owner of Beloin Investment Group LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers non-discretionary planning and consulting tailored to client goals using analytical tools and supports municipal and public-finance work through a municipal advisor affiliation.

Jack Argiro is a financial advisor at Cetera with a Series 66 designation and one year of industry experience. He previously worked at BNY Mellon and has held roles at several other firms including 4T Financial and Argonaut Advisors. Argiro serves on the Babson College Alumni Advisory Board and the Beavers of the Last Decade Advisory Board. He is also involved in a ticket resale business as a sole proprietor. Cetera Investment Advisers LLC is an SEC-registered firm that provides portfolio management, financial planning, and retirement services to individuals, employer-sponsored plans, corporate, charitable, and institutional clients. The firm operates as a multi-manager platform offering access to affiliated and third-party managers with a range of program structures and custodial relationships.

Lela Begovic is a financial advisor at Morgan Stanley with 21 years of industry experience. She holds the Series 63 and Series 65 designations and has worked at Morgan Stanley Smith Barney LLC since 2009, transitioning to Morgan Stanley Private Bank, N.A. in 2025. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques as part of its financial planning process.

Michael Walsh is a financial advisor with Cambridge Investment Research Advisors in Farmington, CT, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2009 and has operated as a self-employed independent insurance agent since 1993. Outside of his advisory work, Walsh is involved as an independent insurance agent for multiple companies. Cambridge Investment Research Advisors serves a diverse client base including individual and institutional investors such as pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of financial professionals and provides both discretionary and non-discretionary management across multiple platforms and custodians.

Kelsey Conklin is a CFP® professional affiliated with Raymond James Financial, bringing 15 years of industry experience. Prior to joining Raymond James in 2025, Conklin spent 14 years with Commonwealth Financial Network. Outside of advising, Conklin is involved with Capital Wealth Management, LLC in Glastonbury, CT, where they participate in insurance sales recommending fixed insurance products to clients when appropriate. 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 and consulting using analytical tools and supports a broad advisor network with specialized municipal and employer advisory services.

Barbara Randolph is a financial advisor with Edward Jones in West Hartford, CT, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. She has been with Edward Jones since 2004. Outside of her advisory role, she is also a beauty consultant for Mary Kay Cosmetics. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, investment options, and fiduciary services through a large network of financial advisors nationwide.

Justin Perez is a financial advisor with Cetera and holds a Series 66 license. He has four years of industry experience and previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. He is also involved with Riverview Financial Partners, a business operating under Cetera. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services, operating a multi-manager platform with access to both affiliated and third-party managers.

Xochil Rivera is a Series 66-licensed financial advisor with MassMutual Investors Services, bringing 10 years of industry experience. She has been associated with MassMutual Life Insurance Co since 2016 and MML Investors Services, LLC since 2017. Outside of her advisory role, Rivera serves as president of Jaxon in Action, a nonprofit organization focused on event organization. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive financial planning, asset management, and educational seminars, using firm-approved tools to develop collaborative, annual financial plans tailored to client goals.