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.

Kurt Schaefer is a CFP® professional with 35 years of experience in the financial services industry. He is currently with TD Private Client Wealth LLC and TD Bank N.A., having previously worked at Horace Mann Investors, Horace Mann Companies, Mass Mutual Investors Services, and MetLife Securities. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional and high-net-worth private clients. The firm employs a combination of strategic and tactical asset allocation using both affiliated and third-party managers and offers ongoing portfolio management, financial planning support, and custody services.

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) in South Burlington, VT, holding Series 63 and Series 66 licenses and having seven years of industry experience. His work history includes roles at Hadley Financial Group, Eagle Strategies, NYLIFE Securities LLC, and New York Life Insurance Company. Outside of his advisory duties, he serves as a board member of his local homeowners association. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to a diverse client base including individuals and institutional sponsors. The firm emphasizes tailored solutions and primarily manages assets on a non-discretionary basis 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.

Patrick McGinn is a financial advisor with Independent Financial Partners, holding Series 63 and Series 65 credentials and 41 years of industry experience. His prior roles include 15 years at Key Investment Services LLC and current positions at Independent Financial Partners and IFP Securities LLC since 2020. Outside of advising, he is co-owner of Valcour Vista LLC, a short-term rental property in Plattsburgh, NY. Independent Financial Partners is a nationwide advisory firm with a multi-advisor platform serving individual, charitable, corporate, and high-net-worth clients. The firm offers a decentralized investment model with both discretionary and non-discretionary options and is noted for its retirement-plan advisory and pension consulting services.

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.

Phoenix Suskin is an investment advisor with Kestra Advisory and holds Series 63 and Series 65 credentials. He has six years of industry experience, including roles at Kestra Investment Services and Fleischer Jacobs Group. Outside of his advisory work, he is a co-owner of a real estate business. Kestra Advisory provides investment advisory and retirement-plan consulting services to plan sponsors and a broad mix of institutional and individual clients, offering fiduciary consulting, plan-level investment advice, and access to multiple management platforms and third-party solutions.

Neil Kvasnak is a financial advisor with Rockefeller Financial LLC, holding Series 63 and Series 66 licenses and 17 years of industry experience. His prior work includes roles at UBS Financial Services, Merrill, and Bank of America. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, families, family offices, as well as institutional clients, retirement plans, foundations, and corporations. The firm offers both discretionary and non-discretionary portfolio management, financial planning, and consulting, operating uniquely as a registered broker-dealer with capabilities in securities transactions, variable insurance products, and investment banking services.

Mary Capparuccini is a financial advisor with Eagle Strategies (New York Life) based in South Burlington, Vermont. She holds the CFP® and ChFC® designations and has three years of industry experience. In addition to her advisory role, she serves on the advisory board of Burlington Young Professionals, the board of the Women Business Owners Network in Vermont, and is an officer in the local Business Network International chapter. She also works part-time as a line cook at The Friendly Toast. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to a diverse client base that includes individual investors, institutional clients, and corporate plans. The firm emphasizes tailored recommendations and delivers solutions through multiple program types, with a majority of assets managed on a non-discretionary basis within an integrated New York Life affiliate structure.

Lisa Cruser is a financial advisor at TIAA-CREF with 10 years of industry experience. She holds a Series 66 designation and has worked previously at Cuso Financial Services, Lp and Wells Fargo Clearing. Outside of finance, she is a licensed Zumba dance fitness instructor, teaching classes in the Chittenden County area. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing TIAA-administered employer retirement plan relationships. The firm’s advisory model distinguishes between point-in-time financial planning services and ongoing discretionary management, utilizing model portfolios or customized portfolios based on client-approved investment policies.

Hannah Provost is a CFP® professional with 11 years of experience in the financial services industry. She is currently affiliated with Lomanto Provost Financial Advisors and Commonwealth Financial Network. Her prior experience includes roles at Securities America Inc., OSAIC, INVEST Financial Corp., and Community Bank. Provost is also co-owner of Lomanto & Company, LLC, a private entity involved in securities, advisory, and insurance business. Commonwealth Financial Network is a national registered investment adviser supporting approximately 2,950 advisors with a variety of advisory programs, including wealth management and retirement plan consulting. The firm provides operational, trading, technology, compliance, and practice-management support, while allowing advisors discretion in portfolio construction across a broad range of securities and insurance products.

William Hinman Jr. is a financial advisor at Equity Services, Inc. with 29 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Equity Services since 1997. In addition to his advisory role, Hinman serves as vice president of The Vermont Agency Foundation, a nonprofit supporting local organizations for children. Equity Services, Inc., operating as 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 and often utilizes third-party asset managers and model portfolios, combining long-term strategies with options for shorter-term trading and specialized instruments.

Jo Ann Thibault is a financial advisor at Equity Services, Inc. in Colchester, VT, with 18 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Equity Services since 2007. Outside of her advisory role, she owns and operates Barnyard Farm Stand, a local vegetable growing and stand business. 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. The firm offers multiple advisory platforms and frequently uses third-party asset managers and model portfolios, combining long-term investment strategies with options for shorter-term trading.

Mark Aridgides is a CFP® professional with 24 years of experience in financial advisory. He has been with Kestra Advisory since 2016 and also holds roles with Kestra Investment Services, LLC and Fleischer Jacobs Group since 2011. Outside of his advisory work, he is the owner of CATMARK ENTERPRISES LLC, which involves plane ownership. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base including institutional and individual clients. The firm offers services such as fiduciary consulting, plan design, employee education, and manages substantial assets with a focus on large institutional investors.

Jason Jeffers is a financial advisor at Equity Services, Inc. with 27 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at National Life Group, LPL Financial, People's United Advisors, and People's Securities. Jeffers owns J&S Wealth Advisors, a consulting business focused on non-financial services guidance. Equity Services, Inc. (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, using third-party asset managers and model portfolios, and combines long-term strategies with options for shorter-term trading.

Jamieson Thayer is a financial advisor at Commonwealth Financial Network with four years of industry experience. He holds the Series 66 designation and has worked at Legacy Financial Services since 2021. Outside of his advisory work, he operates two sole proprietorships—a goods-selling business on eBay and a cleaning service—both located in Vermont. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing over $212 billion in client assets. The firm provides a wide range of adviser-support services, including managed-account programs, third-party asset manager access, and custody/clearing services.

Vincent Guy is a financial advisor at VALIC Financial Advisors with 20 years of industry experience. He holds a Series 66 designation and has worked at VALIC Financial Advisors since 2006 and Agia since 2022. Outside of his advisory role, he is a partner at Combat Fitness LLP, where he teaches martial arts classes and coordinates volunteer coaches, and he serves as an assistant coach for the University of Vermont's Brazilian Jiu Jitsu/Judo/MMA clubsport. VALIC Financial Advisors primarily 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 discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Karina Tarte is a financial advisor at Equity Services, Inc. with Series 63 and Series 65 licenses. She has one year of industry experience and prior work history spanning roles at National Life, M&T Bank, and the Fire & Ice Restaurant. 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 that combine long-term strategies with options for shorter-term trading, utilizing a network of third-party asset managers and model portfolios.