Joseph Zavory is a financial advisor at Merrill with Series 63 and Series 65 credentials and 32 years of industry experience. He has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2006. Merrill, along 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, pension plans, corporations, and charitable organizations.

B Kunstreich is a CFP®-designated financial advisor with Ameriprise, based in Rye, NY, and has 41 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, Kunstreich is a part-time stamp dealer. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets. The firm provides written recommendation reports using a combination of research, modeling, and tax-efficiency analysis, supported by algorithmic tools and a centralized consulting team.

Kenneth Heiser is a financial advisor with Mass Mutual Investors Services in Westport, CT, holding Series 63 and Series 65 designations and over 35 years of industry experience. His career includes roles at Mass Mutual Life Insurance Company, MetLife Securities Inc., and Baystate Wealth Management. Heiser has been with Mass Mutual Investors Services since 2017. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser affiliated with MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm’s approach includes collaborative annual planning engagements using firm-approved analytical tools, with implementation requiring separate brokerage or insurance arrangements.

Stephen Pendergast is a financial advisor with RBC Capital Markets in Stamford, CT, holding Series 63 and Series 66 licenses and 40 years of industry experience. His prior roles include positions at City National Bank, Wells Fargo Clearing, and Wells Fargo Advisors LLC. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with tailored advisory programs offering discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services. The firm integrates a variety of investment managers and strategies to meet client risk profiles and provides access to alternative investments and affiliated capital markets capabilities.

Thomas Ruiz is a financial advisor with UBS Financial Services in Stamford, CT, holding a Series 66 designation and 18 years of industry experience. He has worked at UBS in various capacities since 2005. Outside of finance, he is a partner and owner of Vero Moreau LLC, a firm specializing in image consulting, fashion styling, and fashion merchandising. UBS Financial Services serves individual, corporate, and institutional clients, offering a range of brokerage and advisory services including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, using proprietary research and model-based asset allocations to tailor client strategies.

Alexander Strukov is a CFA® charterholder with 16 years of industry experience, currently serving as a financial advisor at Stifel since 2013. He holds a Series 63 license and is based in Stamford, CT. Stifel serves a diverse client base including individuals, institutions, and municipalities, offering both brokerage and investment advisory services. The firm utilizes a proprietary investment methodology developed by its Investment Strategy Group, providing forward-looking capital market analysis and asset allocation guidance.

Patricia Cavicchia is a financial advisor at Merrill with 40 years of industry experience. She has held her current position at Merrill Lynch Pierce Fenner & Smith since 2000. Her credentials include the Series 63 and Series 66 designations. Merrill, along 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Kevin Curry is a financial advisor at LPL Financial with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Cadaret, Grant & Co., Inc., Royal Alliance, and Petersen Investments, Inc. 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 offers a range of advisory services, including financial planning, model portfolio programs, and institutional platforms, supported by advanced operational and research tools.

April Mathew is a financial advisor with Morgan Stanley in Purchase, NY, holding a Series 66 designation and 11 years of industry experience. She has been with Morgan Stanley since 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutions, including financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-approved tools.

Matthew Sargent is a financial advisor with Morgan Stanley in Westport, CT, holding a Series 66 designation and eight years of industry experience. He has been with Morgan Stanley and its Private Bank since 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individual and institutional clients, including customized financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process utilizing firm-approved tools and scenario modeling.

Hailey Opperman is a financial advisor at Morgan Stanley in Stamford, CT, holding a Series 66 designation with two years of industry experience. Prior to joining Morgan Stanley, she worked at Pfizer and studied at Syracuse University. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning and a range of investment services supported by structured planning tools and firm-approved methodologies.

Kyle Robison is a financial advisor at Morgan Stanley with a Series 66 designation and three years of industry experience. He has been with Morgan Stanley since 2021 after completing his education at Pennsylvania State University. Morgan Stanley Wealth Management provides investment advisory and brokerage services to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process supported by proprietary tools and emphasizes advisory services without providing individual security recommendations as part of standalone plans.

Charles Castro is a financial advisor with Ameriprise Financial Services LLC, holding Series 63 and Series 66 credentials and 18 years of industry experience. He previously worked at David Lerner Associates, Inc. for 18 years and at Spirit of America Management Company for one year. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service, which provides written recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Steven Kyriakos is a financial advisor at Morgan Stanley with 43 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2022, and previously spent 14 years at UBS Financial Services. He holds Series 63 and Series 65 licenses and serves as a trustee/co-trustee in a trust capacity outside his advisory work. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a 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 uses structured planning tools and modeling techniques as part of its financial planning process.

Daniel Baez Fernandez is a financial advisor at Morgan Stanley with three years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley since 2022. His prior work experience includes roles at EY Parker Logistics, J. Crew, and Forte Capital Group. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm’s planning process uses structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Robert Hanes Jr. is a financial advisor with Morgan Stanley Wealth Management, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His prior roles include 14 years at Citigroup Global Markets before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2021. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individual and institutional clients with advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm employs structured financial planning tools and offers a range of investment and wealth management services.

Michael Moskowitz is a Wealth Management Advisor at Merrill Lynch Wealth Management. He started his career in 1986 with a vision to provide clients with customized strategies and services tailored to their individual financial circumstances. Michael supervises all areas of the client servicing process and leverages his CERTIFIED FINANCIAL PLANNER® certification to assist clients in navigating the complexities of their finances. His practice focuses on addressing clients' complex financial and family circumstances to help them pursue or maintain financial independence. Michael has extensive experience offering services such as Corporate Executive Services, Education Planning, Employee Benefits Planning, Family Wealth Management Strategies, Services for Endowments, Foundations, and Non-profits, Personal Retirement Planning, Philanthropic Planning, Portfolio Management Services, and Socially Responsible, Values Based, and ESG Investing. He has been recognized consecutively on the 2023-2026 Forbes "Best-in-State Wealth Advisors" list. Additionally, he supports clients with their investment, banking, and mortgage needs, and represents business owners and executives for corporate lines of credit as well as investment banking efforts for strategic acquisition or succession planning. Michael earned a Bachelor's Degree from American University and a High School Diploma from Islip High School. He holds the CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA) designations. He grew up in Islip, NY, and currently lives in Stamford, CT with his wife Leslie and their two children, Roni and Russell. Michael's personal interests include boating, fishing, classic cars, attending sporting events, cooking, music, spending time with family, and traveling. He follows the Merrill tradition of community participation and spends time volunteering with organizations in his community.

Elizabeth Abikaram is a financial advisor with Morgan Stanley, holding a Series 66 designation and ten years of industry experience. Her prior work includes positions at JPMorgan Chase Bank, JPMorgan Securities, and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by firm-approved tools and analysis from its Global Investment Committee.

Aarti Mathur is a Financial Advisor with Merrill Lynch Wealth Management, currently serving as a Team Financial Advisor with Mathur, Simmons & Associates. In her role, she focuses on providing a high-quality client experience and assisting individuals and families in achieving their financial goals, particularly in areas such as retirement planning, college education planning, legacy planning, tax minimization, employee financial health, and retirement income. Before joining Merrill, Aarti practiced employment law as an attorney in New York City. Her legal background informs her approach as a fiduciary advisor, ensuring each decision is made with diligence, care, and skill. She holds a Juris Doctorate from Benjamin N. Cardozo School of Law and a bachelor's degree in psychology from Wesleyan University. Aarti lives in Greenwich, Connecticut with her husband and two children. Her personal interests include cooking, skiing, tennis, and traveling. Aarti holds the professional designation of Personal Investment Advisor (PIA). She does not provide legal or tax advice in her current role.

Gillian Mc Connell is a financial advisor with Morgan Stanley in Purchase, NY, holding a Series 66 credential and four years of industry experience. Prior to joining Morgan Stanley in 2022, she worked at EY from 2019 to 2022 and spent four years in full-time education. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including customized financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques as part of its advisory services.