John Wygal is a financial advisor at Cetera with over 41 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with firms including VOYA Financial Advisors and his own company, John H. Wygal & Co., LLC. Outside of his advisory work, he serves as a church council member for the First Congregational Church of Darien. Cetera Investment Advisers LLC operates as a multi-manager platform serving a wide range of clients, including individual investors, retirement plans, and institutional accounts. The firm offers various portfolio management and financial planning services, utilizing affiliated and third-party managers within discretionary and non-discretionary program structures.

Stephen Flamio is a financial advisor with MassMutual Investors Services holding a Series 66 designation and four years of industry experience. He has previously worked at Morgan Stanley and Vanguard in addition to his current role. MassMutual Investors Services, LLC is a subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative annual planning engagements using firm-approved software and offers specialized services such as divorce planning and estate settlement.

Julian Zapata is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. Prior to joining Merrill and Bank of America in 2026, he held roles at Citibank, as well as various positions outside finance including culinary and hospitality work. 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 for a range of clients including individuals, high-net-worth clients, and institutional accounts.

Christina Dejesus is a financial advisor with Equitable Advisors in Stamford, CT, holding Series 63 and Series 66 licenses and nine years of industry experience. Her prior roles include positions at JP Morgan Securities LLC and AXA Advisors. Outside of her advisory work, she is the owner and founder of PART OF THE CHANGE, an LLC that provides workshops on art, financial literacy, and life skills training to at-risk youth in detention and community centers. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives and partnerships with third-party asset managers.

Christopher Desantis is a financial advisor with Morgan Stanley in Westport, CT. He holds a Series 66 designation and has 18 years of industry experience, including 12 years with Morgan Stanley. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients through a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that incorporates firm-approved tools and market simulations.

Javier Lugo is a CFP® professional with 17 years of experience in the financial services industry. He currently works at LPL Enterprise and has prior experience with Prudential Insurance Company of America and Pruco Securities, LLC. Lugo also serves as a financial planner on a team at Pesce Financial, a DBA for his LPL business. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, model portfolio management, and access to brokerage and insurance products through an integrated platform.

Eric Beers is a Financial Advisor at Merrill Lynch Wealth Management. He provides financial advisory services within the firm, assisting clients with wealth management strategies. Details about his prior experience, areas of expertise, education, or personal interests are not provided.

Frank Vella is a financial advisor at LPL Enterprise with 36 years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at Bay Crest Partners LLC and Chimera Securities. In addition to his advisory role, Frank is involved in non-variable insurance activities through an affiliated agency. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients. The firm offers financial planning, advisory, and brokerage services, utilizing model portfolios, third-party asset managers, and insurance products through an integrated platform.

John Davis is a financial professional at LPL Enterprise with one year of industry experience. He holds Series 63 and Series 66 licenses and previously worked at State Farm, National Securities Corp, New York Life, and G4S. His other business activities include working as a non-variable insurance professional through an affiliated insurance agency. LPL Enterprise serves a broad client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage services. The firm offers financial planning, model portfolio programs, third-party asset management, and access to a range of brokerage and insurance products via an integrated platform.

Krista Collins is a Vice President and Wealth Planner at Fidelity Investments, a position she has held since 2024. She works closely with individuals and their families to develop investment and planning strategies aligned with their current financial goals and future aspirations. Krista invests significant time at the outset of each client relationship to gain a clear understanding of both their near-term priorities and long-term objectives. This approach enables her to support clients in pursuing important milestones and legacy plans. Her career in financial services includes roles as Vice President and Financial Consultant at Fidelity Investments from 2023 to 2024, Financial Consultant from 2016 to 2022, and Investment Consultant from 2014 to 2016. Prior to joining Fidelity Investments, Krista worked as a Client Service Associate at Edelman Financial Services from 2012 to 2014, and she spent nearly a decade at Equisearch Services in both client relationship and administrative roles. Krista's professional experience reflects a continuous commitment to client service and financial consulting, focusing on personalized investment strategies and long-term financial planning.

Frederick Hill is a financial advisor at Osaic Wealth, Inc. with two years of industry experience. His prior roles include positions at Equitable Advisors LLC and Coerver Coaching. Outside of advising, he is involved in life insurance sales and works as a registered assistant and tax preparer at Pinnacle Taxx. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services. The firm utilizes various asset-allocation tools and third-party platforms to construct and manage diversified portfolios on both discretionary and non-discretionary bases.

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.

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.

David Spiecher is a Certified Financial Planner (CFP®) and holds a Series 66 license with 15 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2013, based in Westport, CT. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering non-discretionary advisory services supported by a centralized due-diligence framework.

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 Series 66-registered financial advisor with J.P. Morgan Securities, based in Stamford, CT. He has 17 years of industry experience, including prior roles at PIMCO Investments LLC and New York Life Investments. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm delivers services on a non-discretionary basis, with clients retaining final decision-making authority.

Jane Hoeffner is a financial advisor at Morgan Stanley in Westport, CT, with three years of industry experience. She holds a Series 66 designation and joined Morgan Stanley in 2025 after working for the Weston Public Library and spending 18 years in homemaking. Morgan Stanley Wealth Management is an SEC-registered investment adviser serving both individual and institutional clients. The firm offers a range of advisory programs focused on structured financial planning and employs analytical tools such as Monte Carlo simulations and return estimates in its process.

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.

Fredric Lowe is a financial advisor with Morgan Stanley in Westport, CT, holding a Series 63 designation and over 35 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, following his tenure at Citigroup Global Markets starting in 1994. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and investment committee insights.