Steven Tillona is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. His career includes long tenures at LPL Financial and Cetera Advisors LLC, among other firms. Outside of his advisory work, he serves as an adjunct professor teaching personal finance, sits on the board of a nonprofit serving persons with disabilities, and owns a tax preparation business. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with a range of portfolio management options, including discretionary and non-discretionary strategies, model portfolios, and access to third-party managers.

Tammy De Felice is a financial advisor at Cetera with 12 years of industry experience. She holds Series 66 and Series 63 licenses and has worked with firms including Northwestern Mutual Investment Management and Kelly & Company Wealth Partners LLC. De Felice serves as president of BNI Buckland Hills and is involved in community organizations such as the Tolland County Chamber of Commerce and Tuesday Rise & Shine, a local nonprofit networking group. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform that includes discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers across various program structures.

Timothy Germain is a financial advisor at Edward Jones with 15 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2011. Outside of his advisory work, he volunteers with the Mount Southington Ski Area ski patrol. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of advisory programs and investment solutions, managing over $1 trillion in assets through a large network of financial advisors and branch offices nationwide.

William Clark is a financial advisor with Merrill in Hartford, CT, holding Series 63 and Series 66 licenses and with 17 years of industry experience. He has been with Merrill since 2016. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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 serves as a board member for H.O.P.E. Partners of Farmington, a volunteer organization. Cambridge Investment Research Advisors, Inc. serves both individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports discretionary and non-discretionary management, provides access to third-party advisers and proprietary model strategies, and operates through thousands of financial professionals managing a multi-billion dollar asset base.

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.

George Kovka is a financial advisor at LPL Financial with 44 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Securities America Advisors and National Planning Corporation. Outside of his advisory role, Kovka is a notary public and is involved with a marketing entity called Barbara Butler Artist Builder Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm supports its investment adviser representatives with model portfolios, third-party asset management, and advanced operational tools, serving over 22,800 advisors and managing substantial discretionary assets.

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 provides education seminars and assists clients with life insurance, long-term care insurance, fixed annuities, disability insurance, and Medicare plan options as part of his financial planning practice. Osaic Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of advisory and brokerage services supported by a model-based investment process, emphasizing asset allocation and portfolio optimization through multiple program options and affiliated relationships.

Jennifer Chase is a CFP® professional with 19 years of industry experience and has been with LPL Financial since 2009. She holds a Series 63 license and is based in Farmington, CT. Outside of her advisory role, Chase is involved in tax preparation and accounting services through RGB Tax Services LLC. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, with advice delivered primarily through investment adviser representatives using both discretionary and non-discretionary strategies.

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 in Glastonbury, CT, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. His prior roles include positions at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. He has been with Raymond James & Associates since 2019. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional investors, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a broad range of portfolio management styles and affiliated research.

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 25 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at SagePoint Financial, Inc. and Morgan Stanley Private Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advisory services delivered primarily through its network of investment adviser representatives.

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 MassMutual Investors Services who holds a Series 66 designation and has seven years of industry experience. He has been with MassMutual and its affiliated entities since 2017. Prior to his career in financial services, he worked at Price Chopper for one year. MassMutual 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 help structure collaborative, goal-oriented planning engagements.

Carol Beloin is a Series 66 licensed financial advisor with three years of industry experience. She is currently with Raymond James Financial Services Advisors, Inc., having joined in 2026. Her prior experience includes roles at Commonwealth Financial Network, Cambridge Investment Research, Edward Jones, and founding Beloin Investment Group. 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, institutions, and charitable organizations. The firm employs a non-discretionary, tailored approach that incorporates risk profiling and analytical modeling to support client goals.

Changyong Shi is a financial advisor at Edward Jones in Canton, CT, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones in 2024, he worked at Wenbo Investment and spent nine years at Barnes Group. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, investment strategies, and affiliated financial services through a large network of advisors and branch offices.

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.