Philip Baity is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds the Series 65 and Series 63 licenses and has been with J.P. Morgan Securities since 2009, including a decade at Jpmorgan Chase Bank, N.A. Outside of his advisory role, he is the owner and president of Flywheel Seeds LLC, a pooled investment vehicle for managing his family’s portfolio, and a private equity investor in Glassbeam, Inc. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their approach combines quantitative and qualitative manager due diligence with model asset allocations, focusing on non-discretionary advice where clients retain final decision-making authority.

Frederick Hill is a financial advisor at Osaic Wealth, Inc. with two years of industry experience. He holds the Series 63 and Series 65 licenses and has previously worked at Equitable Advisors LLC and in various roles including coaching and restaurant management. In addition to his advisory work, Hill is involved in life insurance sales and serves as a registered assistant and tax preparer at Pinnacle Taxx. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization, supported by a complex affiliate network and private-equity ownership.

Kevin Kennedy is a financial advisor with J.P. Morgan Securities. He holds Series 63 and Series 65 licenses and has been in the industry since 2026. Prior to joining J.P. Morgan Securities, he gained experience at firms including Oppenheimer and Bessemer Trust. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The program utilizes centralized due diligence and a combination of quantitative and qualitative research to inform recommendations.

Lisa Cerbone Montalto is a Wealth Management Advisor at Merrill Lynch Wealth Management in Ridgefield, Connecticut. She leads the MDCL Group and the healthcare professional and Financial Life Benefits initiative, focusing on serving physicians, medical professionals, healthcare executives, and their families. Lisa applies her experience in healthcare and financial services to help clients simplify their financial lives and achieve their goals with greater knowledge and confidence. Prior to joining Merrill Lynch, Lisa spent over two decades in healthcare administration and medical education. She holds a Bachelor's degree in Government from Wesleyan University and a Master's degree in Health Services Administration from the University of Michigan. Lisa maintains multiple professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Lisa is actively involved in her community, advising the Abbott Technical High School Leos Club and volunteering with various Lions Clubs and vision-related organizations in Fairfield and New Haven Counties. She also contributes to youth music programs in Danbury, Connecticut. Lisa is a member of several professional organizations including the American College of Healthcare Executives, the American Public Health Association, and the Financial Planning Association. Fluent in English and Spanish, she resides in Brookfield, Connecticut with her family.

Corrado Dell'aglio is a CFP®-designated financial advisor with Ameriprise, based in Valhalla, NY, and has 35 years of industry experience. He has been with Ameriprise and its affiliate firms since 2005. Outside of advising, he serves as a principal of Valhalla Summit Associates Inc., a company involved in real estate lease holdings for Ameriprise advisors. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. The firm’s approach emphasizes written recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Peter Ruvolo Jr. is a financial advisor with OSAIC Wealth, Inc., holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He has worked at OSAIC Wealth since 2006 and concurrently at Sanders Smith Ltd since 1994. Outside of his advisory role, he is president of Qualified Plan Solutions, an S Corporation. OSAIC Wealth serves a diverse client base, including individual investors, retirement plans, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, incorporating discretionary strategies, third-party managers, and proprietary models across various programs.

Mark Khorram is a financial advisor with Fidelity Investments in Chappaqua, NY, holding Series 63 and Series 66 credentials and one year of industry experience. His background includes roles at the University of Rhode Island, Hines Global Real Estate Investment Manager, and various other organizations. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, and employs a systematic investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction.

Hans Ramsey is a financial advisor with Primerica Advisors, holding a Series 63 designation and 24 years of industry experience. He has been with Primerica Financial Services since 1985 and Primerica Advisors since 2000. Outside of his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management via its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options under a wrap-fee structure. The firm curates third-party asset managers and uses BNY Mellon Advisors for model implementation, offering a range of strategic approaches.

Christopher Curcio is a financial advisor with J.P. Morgan Securities based in Stamford, CT, holding a Series 66 designation and 17 years of industry experience. His prior experience includes roles at PIMCO Investments LLC and New York Life Investments. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Jodi Lemp is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and possessing 11 years of industry experience. She has been with J.P. Morgan Securities since 2015 and also has a concurrent role with JPMorgan Chase Bank, N.A. since 2010. Outside of her advisory duties, she is involved with the Culinart Group at Trinity Pawling School. 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 and fund searches, and customized performance reporting through a non-discretionary program. The firm’s advisory process integrates quantitative and qualitative research to build model asset allocations and includes broader derivatives and commodities capabilities.

Ronald Balzano is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds a Series 66 credential and has been affiliated with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, N.A. He is based in Stamford, CT. 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 that utilizes firm-approved tools and methodologies to assist clients in modeling potential outcomes.

Nicholas Gallucci is a financial advisor at Morgan Stanley in Stamford, CT, holding a Series 66 designation with five years of industry experience. His career includes roles at Morgan Stanley since 2018 and prior work at the University of South Carolina. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and analytical models.

Rowan Beaudoin Friede is a financial advisor with Cambridge Investment Research Advisors, holding a Series 65 designation and two years of industry experience. Prior to joining Cambridge, Rowan has held roles at Riverside Financial Group, LLC, and has worked in the restaurant industry. Cambridge Investment Research Advisors, Inc. serves a diverse range of individual and institutional clients, including pension and charitable organizations, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and offers multiple account platforms, proprietary model strategies, and access to third-party advisers.

Ronnie Spears is a financial advisor at Merrill with eight years of industry experience. He holds the Series 63 and Series 65 licenses and has worked at Merrill since 2019. Prior to that, he was with Aspire Advisors, LLC and Amalgamated Life Insurance Company. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Benjamin Smiles is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 2015 as part of The Smiles Group, a wealth management team. He focuses on providing a comprehensive approach to wealth management that begins with understanding each client's family, financial situation, and priorities. Benjamin helps clients develop customized strategies tailored to their unique circumstances, allowing for flexibility as their needs evolve and market conditions change. He delivers access to the investment insights of Merrill Lynch and the banking services of Bank of America to address a broad range of financial aspects. With expertise spanning estate planning, investments, tax minimization, education funding, wealth transfer, and retirement income strategies, Benjamin works with high-net-worth clients to simplify their financial lives and prioritize their goals. He collaborates closely with a Wealth Management Lending Officer from Bank of America to offer strategic home financing guidance aligned with clients’ overall financial plans. Benjamin holds the Certified Plan Fiduciary Advisor (CPFA) designation and is a recognized Retirement Benefits Consultant and Personal Investment Advisor. Benjamin completed high school at Stratton Mountain School and attended the University of Colorado System’s Leeds School of Business, though no degree was conferred. He resides in Ridgefield, Connecticut, with his wife, Meg, and their children, Lily and Charlie. His personal interests include skiing, surfing, sailing, and travel.

Clifford Paulson is a financial advisor with Mass Mutual Investors Services in Riverside, CT, holding Series 65 and Series 63 licenses and five years of industry experience. He previously worked at Northwestern Mutual in several roles over five years and has a background that includes media-related positions at The CAP Media Group and Simulmedia. 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, emphasizing collaborative annual planning engagements without discretionary investment authority.

Debra Walker is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services that utilize structured discovery processes and advanced modeling tools.

Emmett Mc Conville is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities and J.P. Morgan Chase Bank NA since 2016. Outside of his advisory role, he is an owner and partner of a private residence held in an LLC. 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. Their advisory process is supported by centralized due diligence that combines quantitative and qualitative research and incorporates an ESG eligibility framework.

Kathleen Mcelaney is a financial advisor at UBS Financial Services with a Series 66 designation and four years of industry experience. Her work history includes roles at UBS, AlphaSights, Earthplace, and DVG Partners. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management, leveraging proprietary research and model-based asset allocations to tailor strategies to client goals. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Laura Jimenez is a Senior Financial Advisor at Merrill Lynch Wealth Management. She began her career in the financial services industry in 2002 and has been with Merrill Lynch since 2003. Laura specializes in family wealth management strategies, personal retirement planning, and women and wealth. She holds a Bachelor of Science degree in Finance and Marketing from Boston College, is a CERTIFIED FINANCIAL PLANNER® professional, and holds the Chartered Retirement Planning Counselor™ designation. Her expertise includes a comprehensive understanding of Life, Disability, and Long-Term Care Insurance, which she integrates with ongoing portfolio guidance to meet the long-term needs of clients at various life stages. Laura resides in Port Chester, NY with her husband and young daughter. In her personal time, she enjoys running, playing tennis, and traveling. She has been recognized by Forbes multiple times, including being named to the Americas Top Women Wealth Advisors Best-in-State list and the Best-in-State Wealth Management Teams list from 2023 to 2026.