Ashley Smelser is a financial advisor with Ameriprise in Old Saybrook, CT, holding Series 63, 65, and 66 designations and six years of industry experience. Prior to joining Ameriprise in 2025, she worked at Sullivan Financial, Delta Wealth Management, Connecticut Wealth Management, and LPL Financial. She is also an associate financial advisor at Netflows, LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning focused on dependable income sources and tax-aware withdrawal strategies.

Mark Catullo is a financial advisor with Raymond James Financial in Waterford, CT, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Raymond James Financial Services, Inc. since 2001 and with Raymond James Financial since 2009. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using advanced analytical tools and supports municipal and public-finance work through a municipal advisor affiliation.

Lee Couture is a financial advisor at Cambridge Investment Research Advisors with 36 years of industry experience. His prior roles include positions at Grove Point Investments, Grove Point Advisors, and H. Beck, Inc. He serves as a board member and volunteer for Habitat for Humanity and holds board roles with the Waterford Library and the Town of Waterford. Couture is also the owner of Couture Tax Planning Services LLC and Couture Financial Services LLC. Cambridge Investment Research Advisors is a large SEC-registered adviser serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm provides financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent financial professionals, offering a range of discretionary and non-discretionary portfolio solutions across multiple platforms.

Charles Rousseau is a financial advisor with MassMutual Investors Services and holds Series 63 and Series 65 licenses. He has 42 years of industry experience, including roles at MassMutual Life Insurance Company and MetLife Securities. He is also a broker and agent for ClearPath Financial Solutions LLC, specializing in individual and group health insurance. MassMutual 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, using firm-approved tools to develop written recommendations tailored to client goals.

Owen O Donnell is a financial advisor with Ameriprise, holding a Series 66 designation and six years of industry experience. He previously worked at Merrill from 2019 to 2021 and has a varied work history including roles at East Carolina University and the Old Lyme Police Department. Outside of his advisory work, he is involved with Hub and Spoke Operational Support LLC, assisting clients with financial planning, and owns a property management business, Shore Estates LLC. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides tailored retirement income planning through a combination of research, algorithmic tools, and a centralized service team.

Diane Davis is a financial advisor at Merrill with 31 years of industry experience. She has been with Merrill since 1995 and concurrently with Bank of America, N.A. since 2010. Diane holds Series 63 and Series 65 licenses. Outside of her advisory role, she is the sole owner of two rental property businesses in Essex, Connecticut, and Miami, Florida. 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 serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Bria Gilbert is a financial advisor with LPL Financial based in Chester, CT, holding a Series 66 designation and 17 years of industry experience. Her work history includes multiple roles at LPL Financial as well as positions at Strategic Wealth Advisors Group, MBSC Securities Corporation, and Voya Investment Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and third-party asset management, utilizing various portfolio strategies and technological tools to support advisors.

Alexandre Demetrio is a financial advisor with UBS Financial Services in New London, CT, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has been with UBS Financial Services since 2011. He serves as finance chair and board member for Madison A Better Chance of Connecticut, a nonprofit focused on supporting talented young men of color through education and leadership development. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including portfolio management and financial planning. The firm integrates institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor client strategies.

Sylvia Guinan is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. She has worked at Wells Fargo Advisors and Wells Fargo Clearing since 2009. Outside of her advisory work, she owns a jewelry design business and is the author of a book titled *The Richness of Divorce...How to Separate with Love and Grace*. 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 financial advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions.

Kevin Sullivan is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His career includes positions at Merrill, Wells Fargo Clearing, and Webster Investments. He is based in Essex, CT. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by a large network of investment adviser representatives.

Brendan Montano is a financial advisor at Fidelity with Series 66 and Series 63 licenses and one year of industry experience. His background includes roles at North Cove Capital of Ameriprise Financial and entrepreneurial activities such as Montano Wellness. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified model portfolios.

Michael Gula is a financial advisor with Cambridge Investment Research Advisors in Niantic, CT, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has been with Cambridge Investment Research Advisors and its affiliated entity since 2010. Cambridge Investment Research Advisors is an SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals using a range of portfolio management and model-based solutions.

Joseph Stone is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 20 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Laura Saborio is a financial advisor at UBS Financial Services with 21 years of industry experience. She has previously worked at HSBC Securities (USA) Inc. and HSBC Bank USA, where she spent over two decades. Laura holds a Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

James Oliver III is a financial advisor at Raymond James Financial Services Advisors, Inc. with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Wells Fargo Advisors and through his own firm, Oliver Asset Advisors LLC. He serves as president of the 123 Elm Street Association, a commercial condominium board in Old Saybrook, CT. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary planning and supports municipal and public-finance work through its affiliation with a municipal advisor.

Janet Larkin is a financial advisor at Primerica Advisors with 33 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Primerica Advisors since 1991. In addition to her advisory role, she is involved in sales of investment-related products and part-time referrals for home security and automation products through affiliated Primerica companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, providing model-delivery strategies and separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Joseph Hedley is a financial advisor at Mass Mutual Investors Services with two years of industry experience. He holds a Series 66 designation and has prior work experience that includes roles at Elizabeth City State University and the Northeast Academy for Aerospace and Advanced Technologies. Mass Mutual Investors Services, LLC 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, using firm-approved tools to analyze client goals and deliver written recommendations.

Scott Fluet is a financial advisor at OSAIC with 33 years of industry experience. He holds the Series 63 and Series 65 designations. Prior to joining OSAIC, he worked at Securities America Advisors and LPL Financial. Outside of his advisory role, he is involved in insurance sales and owns Professional Investors LLC. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers a range of integrated brokerage and investment advisory services supported by asset-allocation tools and a variety of investment options.

Seth Adams is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 registrations and bringing 27 years of industry experience. He previously worked at UBS Financial Services for 12 years before joining Raymond James in 2025. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a broad client base including individuals, institutional clients, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Kristie Gavitt is a Series 66-credentialed financial advisor with UBS Financial Services, based in New London, CT. She has 21 years of industry experience and has been with UBS since 2000. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor advice to clients' goals and risk tolerances.