Norma Montalvo is a financial advisor at UBS Financial Services with 22 years of industry experience. She has been with UBS since 2008 and holds Series 63 and Series 65 designations. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering proprietary research and a diverse set of capital markets services.

Joseph Centra is a financial advisor with LPL Financial, holding a Series 63 designation and 37 years of industry experience. He previously worked at H. Beck, Inc. for 26 years and co-founded Grove Point Investments, LLC and Grove Point Advisors, LLC. Outside of his advisory work, he is involved with Allocation Resource Group, LLC, a tax preparation and accounting business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, and institutions. The firm offers diversified advisory programs, retirement plan consulting, and brokerage services supported by both discretionary and non-discretionary management and extensive research resources.

Raquel Torres is a financial advisor at Merrill with Series 66 and Series 63 credentials and eight years of industry experience. Her prior experience includes roles at Bank of America, Wells Fargo Clearing, J.P. Morgan Securities, and Santander Securities. Outside of her advisory work, she operates a consulting business as a full-service shopper. 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, offering model-based and discretionary strategies to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jeffrey Hyman is a financial advisor with RBC Capital Markets in Westport, CT, holding Series 63 and Series 65 designations and 15 years of industry experience. He previously worked at UBS Financial Services from 2012 to 2020 before joining RBC Capital Markets. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers multiple wrap fee advisory programs with tailored strategies based on each client’s risk profile and utilizes a combination of in-house and third-party investment managers.

Robert Guere is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has spent his entire career in financial services, focusing on helping clients solve complex financial issues and achieve their goals. Robert works closely with clients to develop personalized financial strategies that align with their long-term objectives. Robert's expertise includes college education planning, executive compensation, family wealth management strategies, legacy planning, personal retirement planning, sports and entertainment, and retirement income. His approach emphasizes understanding each client's unique financial situation and creating tailored plans to help manage investment risk and pursue financial goals. He holds a Bachelor's Degree from Western Connecticut State University and has earned professional designations including Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Sports & Entertainment (SE). Robert is also active in his community as a member of the Rotary Club of Monroe. In his personal time, Robert enjoys baseball, golfing, music, reading, soccer, and spending time with his family.

Michael Tutino is a financial advisor with Wells Fargo Clearing in Greenwich, CT, holding a Series 66 designation and 15 years of industry experience. He has been with Wells Fargo firms since 2016. Outside of advising, he holds a minority ownership in a restaurant business. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Anastasija Majauskas is a financial advisor at Morgan Stanley with two years of industry experience. She holds the Series 63 and Series 66 licenses. Her prior experience includes work at Cognizant Softvision and iMG Development LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving 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 uses structured planning tools and modeling techniques to support its clients’ financial plans.

Scott Lanz is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety 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 proprietary tools and research.

Frank Calderone is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and possessing 30 years of industry experience. He has been with Raymond James since 2013. Outside of his advisory role, he is a bass player for the band HeadFirst and also owns Calderone Financial Services, Inc., a support company. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, corporations, and institutions. The firm offers tailored, non-discretionary planning using analytical tools and supports a range of advisory programs alongside specialized municipal and employer advisory services.

Lester Dean Jr. is a financial advisor with Morgan Stanley in Stamford, CT, holding Series 65 and Series 63 licenses and bringing eight years of industry experience. His career includes roles at Morgan Stanley Private Bank, GYL Financial Synergies, Resnick Advisors, and Northcoast Asset Management. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and firm-approved methodologies in its financial planning process.

Michael Meringolo is a financial advisor at Morgan Stanley with one year of industry experience. He holds the Series 66 designation. His prior experience includes a position at Equitable Advisors, LLC, and roles in various other sectors including hospitality and property restoration. 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, and manages approximately $2.74 trillion in client assets.

Evelyn Vera is a financial advisor at Morgan Stanley with 16 years of industry experience. She holds a Series 66 designation and has previously worked at J.P. Morgan Securities, Primerica Financial Services, and PFS Investments Inc. Outside of her advisory role, she is the owner of Vera Business Solutions, LLC, a company established for administrative consultative services, though it is currently inactive. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and a structured discovery process.

Arnel Gonzales is a financial advisor with Ameriprise in White Plains, NY, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Ameriprise and its affiliate since 2009. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Maria Frattaroli is a financial advisor with Merrill in New Canaan, CT, holding Series 63 and Series 66 designations and over 32 years of industry experience. She has been with Merrill since 1991. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutions.

Stephen Wolanske is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in creating personalized wealth management strategies tailored to clients' individual goals, with expertise in areas such as college education planning, divorce transition planning, family wealth management, liquidity management, managing new wealth, portfolio management, individual and corporate investment strategy, tax minimization, and retirement income. Stephen holds a Bachelor's Degree from Southern Methodist University and a High School Diploma from Brunswick School in Greenwich, CT. He has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Committed to community involvement, Stephen participates in local volunteer activities aligned with Merrill’s tradition of community service.

Elizabeth Meyer is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 14 years of industry experience. She worked at Key Investment Services LLC for five years before joining Wells Fargo in 2021. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics.

Carleigh Mahoney is a financial advisor at Morgan Stanley with two years of industry experience. She holds Series 63 and Series 65 licenses and previously attended Northwestern University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to both individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery and firm-approved tools, with an emphasis on advisory services rather than individual security recommendations.

Cathy Yance is a financial advisor at Fidelity with 22 years of industry experience. She holds Series 63 and Series 65 designations and has worked in various roles at Fidelity and E D & F Man Capital Markets Inc. Cathy is based in Fairfield, CT. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to create model portfolios, and it serves as a registered commodity pool operator and advisor to multiple funds.

Sachin Srinivasa is a financial advisor at J.P. Morgan Securities with the Series 66 designation. He has been with J.P. Morgan since 2024, including roles at J.P. Morgan Private Bank and JPMORGAN Chase Bank, N.A. Prior to joining J.P. Morgan, he worked at HIMCO and Liberty Mutual and attended NYU Stern School of Business. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Oskar Agaronov is a financial advisor with J.P. Morgan Securities in Stamford, CT, holding Series 63 and Series 66 licenses and having 22 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2019 and previously spent six years at E1 Asset Management, Co. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, delivering asset-allocation advice, investment manager searches, and customized performance reporting through a structured, non-discretionary process.