Peter Hall is a financial advisor with Cetera, holding Series 63 and Series 65 designations and 18 years of industry experience. He previously worked at Mass Mutual Investors Services and MassMutual Life Insurance Company for 16 years. Hall serves as treasurer on a homeowners association board, managing financial reporting and community risk liaison duties. Cetera Investment Advisers LLC is an SEC-registered firm that provides advisory services through a large network of independent advisors. The firm serves individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a range of portfolio management and consulting solutions with multiple program and custody options.

Joanne Amorosi is a CFP®-certified financial advisor with 21 years of industry experience. She has worked at Cetera and affiliated firms since 2024 and previously spent over two decades at MassMutual Life Insurance Company. Outside of her advisory role, she is a property owner involved with a rental business in Fripp Island, South Carolina. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers various portfolio management and consulting services delivered via a multi-manager platform that includes affiliated and third-party managers, with program options ranging from automated allocations to customized strategies.

Andrew Donovan is a CFP® professional with 35 years of industry experience, currently affiliated with LPL Financial. He has worked at Linsco/Private Ledger Corp. since 2001. Donovan serves as a FINRA arbitrator in dispute resolution, dedicating 10% of his time to this role. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing discretionary and non-discretionary management alongside research and model portfolios.

Thomas Cole is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds the Series 66 designation and has worked at several firms including Hudson Financial Group, Guardian Life Insurance Company of America, and Park Avenue Securities. Outside of finance, he was involved with Outhouse Orchards and Minners Designs. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm uses quantitative asset-allocation modeling combined with centralized due diligence and incorporates an ESG eligibility framework when recommending strategies.

Justin Semke is a financial advisor with Ameriprise in Pleasant Valley, NY, holding a Series 66 designation and 11 years of industry experience. He has been with Ameriprise and its affiliated entities since 2013. Outside of his advisory role, Semke serves on the Board of Directors for LaGrange Sunrise Rotary, where he is Immediate Past-President, and holds leadership roles with the Hudson Valley Young Professionals committee and the Dutchess County Regional Chamber of Commerce. Ameriprise is a large institutional firm offering retirement-income planning services primarily to individuals with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions, employing a structured, research-driven approach to retirement income planning that includes algorithmic automation and tax-efficiency analysis.

Shirley Hannigan is a financial advisor with Equitable Advisors in Carmel, NY, holding a Series 66 designation and 20 years of industry experience. She has been with Equitable Advisors and its predecessor, AXA Advisors, since 2006. In addition to her advisory role, she serves as a director on the Clearing in the Woods Condo Association board. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, charities, and institutional clients. The firm utilizes a network of investment adviser representatives and partners with third-party asset managers to offer a range of investment programs and fiduciary services.

Howard Schachter is a financial advisor with LPL Financial in Danbury, CT, holding a Series 66 credential and 26 years of industry experience. He previously worked at Woodbury Financial Services from 2016 to 2022. Outside of his advisory role, he is involved in education through AEFA classes and provides tax preparation and accounting services with Jackson Hewitt. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs with discretionary and non-discretionary management supported by model portfolios, research, and various technology tools.

Helen Curtin is a financial advisor at Edward Jones with 17 years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2008. Curtin is a member of the Brookfield Chamber of Commerce. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory programs and investment strategies, supported by a large national network of advisors and branch offices.

Melissa Rios is a financial advisor at Fidelity with six years of industry experience. She holds Series 63 and Series 66 designations. Her prior work includes roles at Wells Fargo Clearing, Wells Fargo Bank, LPL Financial, and Hudson Valley Federal Credit Union. She is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm utilizes a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, including discretionary and non-discretionary advisory work and fund advisory services.

Robert O'Donnell is a financial advisor at Edward Jones with a Series 66 designation and eight years of industry experience. He previously worked at Prudential Annuities for 14 years and operated O'Donnell Consulting (Longevity Partners) for eight years. Edward Jones is a full-service wealth management firm serving individual and institutional clients across a broad spectrum, offering discretionary and non-discretionary investment strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets under management and operates a nationwide network of over 23,700 financial advisors.

Christopher Howard is a financial advisor with Primerica Advisors in Bethel, CT, holding Series 63 and Series 65 credentials and six years of industry experience. His background includes roles with PFS Investments Inc. and Primerica Financial Services since 2019, and he is also the owner of Greenleaf Birch Inc., a non-investment-related business. Outside of advising, he is involved with the Saugatuck Rowing Club and Rowayton Yacht Club. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-based investment strategies managed by unaffiliated asset managers and supports execution and custody through Pershing and BNY Mellon Advisors.

David Murry is a financial advisor at Edward Jones with a Series 66 credential and one year of industry experience. Prior to joining Edward Jones, he operated The Tool Pro, a business known as The Tool Nut, for 20 years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a broad range of investment strategies and advisory services supported by a large network of financial advisors and branch offices.

Daniel Cwik is a financial advisor with LPL Financial, holding a Series 66 designation and 17 years of industry experience. He has worked at LPL Financial since 2010 and is also involved with Hudson Valley Federal Credit Union, where he provides insurance services and investment products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios and research from LPL and third-party providers.

Katherine Bernardi is a financial advisor with Wells Fargo Clearing in Danbury, CT, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. She has been with Wells Fargo Advisors LLC since 2012. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions that are IPS-driven and grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, investment recommendations, performance reporting, and participant education, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

John Monaco is a financial advisor with Cetera, holding the PFS™ designation and Series 63 license, and has 26 years of industry experience. His prior experience includes over two decades at Avantax in various advisory and insurance roles, and he also operates an accounting and bookkeeping practice as president of John R. Monaco, CPA PC. Additionally, he is appointed as a health insurance sales representative for MVP Health Care. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, providing access to both affiliated and third-party managers across discretionary and non-discretionary programs.

James Clifford is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has worked at PFS Investments, Inc. since 2010 and at Primerica Financial Services since 2009. Clifford has also been employed by Eversource Energy Services Company from 2008 to 2020. Outside of advisory roles, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which serves individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm curates third-party asset managers and uses a tiered wrap fee structure, focusing on retail clients rather than institutional pension or profit-sharing plans.

Lynn Dilley is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has worked with Primerica Advisors since 1998 and Primerica Financial Services since 1996, alongside a 24-year tenure at ASML. Outside of her advisory role, she serves as a power of attorney and executor for an estate. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients primarily through model-delivery strategies developed by unaffiliated asset managers. The firm operates on a large scale with nearly 3,700 advisors and approximately $15.5 billion in assets under management.

John Dezzutti is a financial advisor with Ameriprise in Lakeside, CT, holding a Series 63 designation and 39 years of industry experience. He has worked with Ameriprise and its affiliates since 1986. Outside of his advisory role, he teaches weekly yoga classes in Litchfield, CT. Ameriprise offers a retirement-income planning service aimed at individuals nearing or in retirement who meet specific asset criteria, providing detailed written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines algorithmic automation with expert oversight to deliver tailored retirement income advice and offers a broad range of advisory, brokerage, and insurance solutions.

Jeffrey Florio is a financial advisor at Ameriprise with 31 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Bank of America and Merrill. He is also the owner of Florio Financial Advisors, managing his Ameriprise business part-time. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, combining research and modeling with tax-efficient strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Timothy O'Connell is a CFP® with 29 years of industry experience and currently advises at Cetera. His prior roles include positions with Mass Mutual Investors Services and MassMutual Life Insurance Company, where he worked for 15 years. He is co-owner of Financial Guide Solutions, LLC, an entity used for pass-through compensation. Cetera Investment Advisers LLC serves a broad range of clients including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.