Nicole Higgins is a Financial Consultant currently working at Fidelity Investments since 2022. She supports clients in achieving their financial goals by co-creating disciplined financial plans tailored to their individual definitions of success. Her professional experience includes roles as a Financial Advisor at Wells Fargo Advisors from 2017 to 2022 and at Stepping Stone Wealth from 2016 to 2017. Prior to that, she served as a Financial Solutions Advisor at Bank of America Merrill Lynch between 2011 and 2016, and as a Retirement Counselor at Prudential Retirement from 2007 to 2011.

David Mozeleski is a financial advisor with RBC Capital Markets in Glastonbury, CT, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. Prior to joining RBC in 2019, he worked at Bank of America and Merrill from 2011 to 2019. He serves on the board of the Tradewinds Home Owners Association, contributing as a homeowner and volunteer. RBC Wealth Management provides services to a diverse client base including individual investors, institutions, and charitable organizations, offering tailored portfolio management and financial planning through multiple advisory programs and a combination of in-house and third-party investment managers.

David Ellovich is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with UBS Financial Services since 2009. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and operates as a broker-dealer, investment adviser, and futures commission merchant.

Andrew Aubrey is a CFP® professional with 29 years of experience in the financial services industry. He is currently with LPL Financial and has previously worked at Janney Montgomery Scott and Bank of America. 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 advisory programs and financial planning services, utilizing model portfolios, third-party research, and technologies such as machine learning.

Carol Whelan is a financial advisor at Cambridge Investment Research Advisors with 35 years of industry experience. She holds a Series 66 designation and has worked at firms including Cetera Advisors and Questar Asset Management. She is also president of Whelan & Associates, which provides insurance, benefits, and human resources services. Cambridge Investment Research Advisors is a large SEC-registered firm serving a broad range of clients, including individuals, retirement plans, and charitable organizations, through financial planning, investment management, and retirement advisory services. The firm offers diverse investment solutions via multiple platforms and proprietary and third-party model strategies.

Steven Hartman is a financial advisor with Raymond James & Associates in West Hartford, CT, holding Series 63 and Series 65 licenses and 43 years of industry experience. He previously worked at Morgan Stanley in various capacities from 2007 to 2018. Hartman serves as a board member of the Arthritis Foundation and is involved as a timekeeper for the Avon CT High School Girls Varsity Basketball team. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, and offers tailored financial planning and consulting services that primarily operate on a non-discretionary basis.

Steven Caruso is a financial advisor with Cambridge Investment Research Advisors and holds Series 65 and Series 63 licenses. He has 11 years of industry experience, including a decade at Voya Financial Partners, LLC. He is a board member of H.O.P.E. Partners of Farmington, a volunteer organization. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, utilizing a range of portfolio management and model-based solutions.

Raymond Congelosi is a financial advisor with Mass Mutual Investors Services in West Hartford, CT, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. His prior roles include positions at MetLife Securities Inc. and MassMutual Life Insurance Co. Since 1995, he has also worked as an independent insurance agent specializing in disability, fixed annuities, life, accident, health, and long-term care insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring planning engagements as annual collaborative relationships that use firm-approved analytical tools to develop recommendations without discretionary authority.

Anthony Marciano is a financial advisor at Cetera with 33 years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes 14 years at LPL Financial. Cetera Investment Advisers LLC is an SEC-registered adviser with a large nationwide network of independent advisors serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services across multiple program structures and investment options, managing over $256 billion in assets.

Joseph Klein is a financial advisor at Osaic Wealth with 40 years of industry experience. He holds the CFP® and ChFC® designations and previously worked at Equity Services Inc for 23 years. Klein also provides educational seminars and assists business owner clients with business valuations and insurance planning, including Medicare and prescription drug options. Osaic Wealth serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, employing various portfolio construction tools and supporting discretionary and non-discretionary account management.

Shaun Cour is a financial advisor with Cetera, holding a Series 66 credential and 12 years of industry experience. His prior work includes roles at Avantax Insurance Agency and Sterling Principle Financial Services. Outside of advising, he prepares tax returns and provides tax advice through H&R Block. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, charitable, and institutional clients with a range of portfolio management and financial planning services, offering access to multiple program structures and third-party money managers.

Keith Neidig is a Vice President and Financial Consultant at Fidelity Investments. He collaborates with clients to support their wealth planning needs by leveraging comprehensive resources and providing tailored advice. His approach focuses on ensuring clients have appropriate asset allocation across emergency funds, income, protection, and tax-smart growth strategies to help achieve their financial goals. Keith has been with Fidelity Investments since 2014, progressing through roles including Financial Representative, Investment Consultant, Financial Consultant, and currently serving as Vice President, Financial Consultant since 2022. His experience spans various aspects of financial consulting and investment advising. Outside of his professional role, Keith's personal interests include baseball, beach activities, fishing, football, golf, and spending time at the lake.

Timothy Collins is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 designations and bringing 32 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. He is based in Glastonbury, CT. Raymond James & Associates is a large 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, providing financial planning, non-discretionary investment consulting, and institutional advisory services supported by a nationwide adviser network.

Albert Innarelli III is a financial advisor at Morgan Stanley with eight years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley since 2017, including a recent role at Morgan Stanley Private Bank, N.A. from 2026. Prior to joining Morgan Stanley, he was employed by Follett Higher Education for three years. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning supported by firm-approved tools and a structured planning process.

Michelle Doffek is a financial advisor at LPL Financial with 24 years of industry experience. She holds Series 63 and Series 66 credentials and has worked previously at SagePoint Financial, Inc., and Morgan Stanley, including a private banking role. Michelle also owns Doffek LLC, a business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party research, and various portfolio management strategies.

Crystal Leppo is a financial advisor at UBS Financial Services in Hartford, CT, with seven years of industry experience. She holds the Series 63 and Series 66 designations and has worked at Wells Fargo Advisors, LLC since 2014. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor advice to clients' goals and risk tolerances.

Samuel Lusardi is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and seven years of industry experience. He has been with Mass Mutual and its affiliated firms since 2017, following earlier roles outside the financial industry. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charities, and employers. The firm offers a range of event-driven planning programs and educational seminars alongside its investment advisory services.

Michael Behrens is a financial advisor with Mass Mutual Investors Services in West Hartford, CT, holding a Series 63 designation and bringing 54 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously at MetLife Securities Inc. from 2015 to 2017. Behrens also operates as an independent insurance agent, focusing on disability, fixed annuities, life, accident, health, and long-term care insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, using firm-approved tools to deliver written recommendations within annual planning engagements.

William Matzinger is a CFP® professional affiliated with LPL Financial, based in Glastonbury, CT, with 30 years of industry experience. He previously worked at Lincoln Financial Advisors for 16 years before joining LPL Financial in 2025. Outside of his advisory role, he is involved with Charter Oak Financial, focusing on non-variable insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios, third-party research, and technology-driven management solutions.

Dante Ambrogio is a financial advisor with UBS Financial Services in Hartford, CT, holding a Series 66 designation and bringing 13 years of industry experience. He has worked at UBS since 2013. Outside of his advisory role, Ambrogio serves on the Board of Directors for the Cesare Barbieri Endowment, assisting in hosting public lectures on Italian arts and academia. UBS Financial Services serves individual, corporate, and institutional clients by providing brokerage and investment advisory services, including financial planning, portfolio management, and access to mutual funds and alternative investments. The firm combines institutional trading capabilities with wealth management and leverages proprietary research and model-based asset allocations to tailor investment plans to clients’ goals.