Raquel Torres is a financial advisor at Merrill with eight years of industry experience. She holds Series 66 and Series 63 licenses and has worked at several major firms, including J.P. Morgan Securities, Wells Fargo Clearing, and Bank of America. Outside of her advisory role, she is a consultant and independent contractor for a business called R. T. 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.

Jeffrey Hyman is a financial advisor with RBC Capital Markets in Westport, CT, holding Series 63 and Series 65 designations and 15 years of industry experience. He previously worked at UBS Financial Services from 2012 to 2020 before joining RBC Capital Markets. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers multiple wrap fee advisory programs with tailored strategies based on each client’s risk profile and utilizes a combination of in-house and third-party investment managers.

Robert Guere is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has spent his entire career in financial services, focusing on helping clients solve complex financial issues and achieve their goals. Robert works closely with clients to develop personalized financial strategies that align with their long-term objectives. Robert's expertise includes college education planning, executive compensation, family wealth management strategies, legacy planning, personal retirement planning, sports and entertainment, and retirement income. His approach emphasizes understanding each client's unique financial situation and creating tailored plans to help manage investment risk and pursue financial goals. He holds a Bachelor's Degree from Western Connecticut State University and has earned professional designations including Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Sports & Entertainment (SE). Robert is also active in his community as a member of the Rotary Club of Monroe. In his personal time, Robert enjoys baseball, golfing, music, reading, soccer, and spending time with his family.

Michael Tutino is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo since 2016, following a five-year period at Merrill. Outside of his advisory role, he has a minority ownership interest in a restaurant business. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm employs over 14,000 advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions.

Kyle Brandstetter is a financial advisor at J.P. Morgan Securities with three years of industry experience and holds a Series 66 designation. His prior work includes roles at Asterion Wealth Advisory Group, The Ross Company, LPL Financial, and Northwestern Mutual. Outside of financial services, he has held positions in various businesses including Centennial Golf Course and Court Jester Athletic Club. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a centralized due diligence team and includes a framework for ESG eligibility.

Lester Dean Jr. is a financial advisor at Morgan Stanley in Stamford, CT, with eight years of industry experience. He holds Series 65 and Series 63 credentials and has worked at several firms, including Northcoast Asset Management and Resnick Advisors, before joining Morgan Stanley in 2019. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs with a focus on tailored financial planning supported by firm-approved tools and research from its Global Investment Committee.

Masar Jashanica is a financial advisor with Wells Fargo Clearing and holds the Series 63 and Series 65 licenses. He has six years of industry experience with prior roles at JP Morgan Securities and Santander Bank. Outside of his advisory work, he has a minority ownership interest in a real estate investment entity. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm combines brokerage and advisory solutions supported by research and analytics, managing approximately $671 billion in assets across more than 14,000 advisors.

Arnel Gonzales is a financial advisor with Ameriprise in White Plains, NY, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Ameriprise and its affiliate since 2009. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Maria Frattaroli is a financial advisor at Merrill with 32 years of industry experience. She has been with Merrill since 1991 and holds Series 63 and Series 66 designations. 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. The firm offers model-based and discretionary investment strategies supported by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Stephen Wolanske is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in creating personalized wealth management strategies tailored to clients' individual goals, with expertise in areas such as college education planning, divorce transition planning, family wealth management, liquidity management, managing new wealth, portfolio management, individual and corporate investment strategy, tax minimization, and retirement income. Stephen holds a Bachelor's Degree from Southern Methodist University and a High School Diploma from Brunswick School in Greenwich, CT. He has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Committed to community involvement, Stephen participates in local volunteer activities aligned with Merrill’s tradition of community service.

Elizabeth Meyer is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 14 years of industry experience. She worked at Key Investment Services LLC for five years before joining Wells Fargo in 2021. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics.

Cathy Yance is a financial advisor at Fidelity with 23 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Fidelity Investments since 2025, with prior experience at Fidelity Brokerage Services LLC and E D & F Man Capital Markets Inc. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a variety of portfolios, and has a distinctive role in registered investment company advisory and model portfolio delivery.

Sachin Srinivasa is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds the Series 66 designation and has worked at various institutions including JPMorgan Chase Bank, J.P. Morgan Private Bank, HIMCO, and Liberty Mutual. Sachin also has academic experience at NYU Stern School of Business and the University of Connecticut. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research with a forward-looking approach and offers broader derivatives and commodities capabilities compared with many institutional programs.

Oskar Agaronov is a financial advisor at J.P. Morgan Securities with 22 years of industry experience. He holds Series 63 and Series 66 designations and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2019. Prior to that, he spent six years at E1 Asset Management, Co. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program that emphasizes written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines quantitative screening and qualitative research in its advisory process and offers broad capabilities including derivatives and commodities expertise.

Graham Opdyke is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Before joining Fidelity in 2025, he worked at Enterprise Mobility and has a background that includes roles at the University of Maryland and Cross Street Flower Farm. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction across a diversified investable universe. The firm is noted for its advisory role to multiple registered investment companies, use of systematic methodologies, and formal governance procedures.

Marina Ruiz De Gauna Frances is a Series 66-registered financial advisor with J.P. Morgan Securities, based in Greenwich, CT, and has three years of industry experience. Her prior roles include positions at UBS Financial Services and JPMorgan Chase Bank. She has also held roles outside the financial sector, including work at the Greenwich Country Club and Manhattanville College. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory approach involves non-discretionary, written asset allocation advice supported by a centralized due diligence process, combining quantitative screening and qualitative research.

Armando Olivieri III is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has been with Merrill and Bank of America N.A. since 2020. His prior roles include positions at Acuris, Guidepoint, and Omnicom, as well as a period of unemployment. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies developed by internal and third-party managers, alongside trading, account administration, and custody support.

Alexander Palios is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds the CFP® and Series 66 designations. Palios serves as a board member for Project Purple, a charitable nonprofit based in Seymour, Connecticut. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct client relationships and Corporate Financial Planning agreements.

Benjamin Kozera is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2014, including a role at Morgan Stanley Private Bank, N.A. since 2020. Kozera serves as a board member for The Susie Foundation, a charity focused on children, youth, economic assistance, and medical support. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and a discovery process but does not provide individual security recommendations as part of standalone planning services.

Leslie Williams is a financial advisor with Morgan Stanley, holding a Series 66 designation and having 22 years of industry experience. She has worked at Morgan Stanley and its Private Bank division since 2013 and 2015, respectively, and has served on the board of Enexus Corp., an industrial manufacturing equipment company, since 2004. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.