Carolyn Westerberg is a financial advisor with Merrill in Greenwich, CT, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. She has been with Merrill and Bank of America since 2015. Outside of her advisory role, she is a General Partner and Managing Member of VBreal, an S Corporation investment entity focused on property investments in Florida. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Richard Medure is a financial advisor with Morgan Stanley in Stamford, CT, holding Series 63, Series 65, and Series 66 licenses and bringing 28 years of industry experience. His career includes roles at UBS Financial Services from 1998 to 2004 and Morgan Stanley since 2009, including nine years with Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Catherine Wallace is a financial advisor at UBS Financial Services with a Series 66 designation and one year of industry experience. Her prior roles include positions at Stifel and MAI Capital Management. She has also been involved with Trinity College and the Connecticut General Assembly. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, leveraging institutional trading capabilities alongside wealth management services to tailor plans based on proprietary research and model-based asset allocations.

Victoria Silver is a financial advisor with Morgan Stanley in Greenwich, CT, holding Series 63 and Series 65 designations and bringing 29 years of industry experience. Her prior work includes six years at Citigroup Global Markets before joining Morgan Stanley Private Bank, National Association in 2015. 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 discovery process. The firm manages approximately $2.74 trillion in client assets and provides services through its Financial Advisors and Estate Planning Strategies Group.

William Kirby is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His prior roles include positions at Orbit Venture Partners and involvement with Safe Harbor Marina and Sono Field House. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Matthew Murray is a financial advisor with J.P. Morgan Securities in Greenwich, CT, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. He has worked at JPMORGAN Chase Bank, N.A. since 2018 and at J.P. Morgan Securities since 2015. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm offers non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and integrates ESG frameworks in its recommendations.

Melissa Herley is a financial advisor at Morgan Stanley in Greenwich, CT, with nine years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at Merrill and Raymond James & Associates. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Nancy Perez Tamez is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and 11 years of industry experience. Her prior work includes roles at BlackRock Investments and Park Avenue Securities. Outside of her advisory role, she works part-time as a rideshare driver for Uber. 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 investment strategies for individuals, high-net-worth clients, and various organizations.

Susy Chang is a financial advisor with MassMutual Investors Services who holds a Series 63 designation and has 34 years of industry experience. Her career includes long-term roles at MetLife Securities Inc. and Metropolitan Life Insurance Company since 1991, as well as Massachusetts Mutual Life Insurance Company since 2016. She also works as an independent insurance agent specializing in life, accident, health, Medicare-related products, and property and casualty 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 software to analyze client goals and provide written recommendations.

Kathryn Sullivan is a financial advisor with Morgan Stanley in Stamford, CT, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. Her prior experience includes roles at Merrill Lynch Bank of America and several other financial firms. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients, including customized financial planning supported by firm-approved tools and investment modeling.

Adam Elgert is a CFP® professional with 24 years of experience in the financial services industry. He has been with Wells Fargo Clearing since 2016. 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 uses research and analytics to support its diversified investment approach and offers a range of brokerage and advisory solutions.

Christopher Yadre is an Investment Consultant at Fidelity, where he collaborates with clients to develop comprehensive financial plans aimed at achieving their long-term financial goals. He focuses on creating tailored strategies that address the specific needs of each client and their family. Prior to his current role, Christopher gained experience as a Financial Representative at Fidelity Investments from 2023 to 2025 and as an Intern at Sound Financial Strategies from 2021 to 2023. His background reflects a commitment to building expertise in financial planning and investment consulting. Outside of his professional work, Christopher has interests in baseball, beach activities, fitness, hiking, music, and reading.

Michael Di Lorenzo is a financial advisor with OSAIC who holds a Series 66 designation and has 24 years of industry experience. His work history includes roles at Royal Alliance Associates since 2017 and prior positions at LPL Financial and Private Portfolio Partners, LLC from 2013 to 2017. Outside of his advisory work, he operates a sole proprietorship involved in the sale of fixed insurance products. OSAIC serves a diverse client base including individual investors, retirement plans, charities, and corporations through a multi-advisor platform offering brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization, supporting various investment strategies and third-party manager programs.

Lawrence Mcternan is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 31 years of industry experience. His prior roles include positions at Wells Fargo Clearing, HSBC Securities (USA) Inc., TD Wealth Management Services Inc., Banc of America Investment Services, Inc., and Quick & Reilly, Inc. 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 financial planning, wrap and model portfolio programs, third-party asset management access, and institutional platforms, supporting diverse investment strategies through a large network of adviser representatives.

John Hetherington is a Financial Advisor at Merrill Lynch Wealth Management. He provides financial planning and investment advisory services to clients. The professional biography includes his role at Merrill Lynch Wealth Management, highlighting his position as a financial advisor in their wealth management division. No additional details regarding his specific experience areas, educational background, credentials, personal interests, or community involvement were provided.

Katie Hughes is a financial advisor with RBC Capital Markets, holding a Series 66 designation and bringing 22 years of industry experience. Her prior roles include positions at Janney Montgomery Scott, Ameriprise Financial Services, Chapin, Davis, and Wells Fargo Advisors. Outside of finance, she volunteers as an equine therapist at WellSpring of Life Horse Farm in Monkton, MD. RBC Wealth Management serves a diverse client base including individual investors, institutional clients, and charitable organizations, offering a range of advisory programs with customizable portfolio management and planning services. The firm incorporates both in-house and third-party investment managers and provides specialized options such as tax management and responsible investing screens.

Filippo Petrini is a financial advisor with J.P. Morgan Securities in Greenwich, CT, holding Series 63 and Series 65 licenses and seven years of industry experience. He has been with JPMorgan Chase and its affiliated entities since 2018 and is also involved with Captains Log, LLC since 2026. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process integrates quantitative and qualitative research supported by a centralized manager solutions team.

Angela Celso Mc Gurk is a financial advisor with Ameriprise in White Plains, NY, holding Series 63 and Series 65 designations and 32 years of industry experience. She has been with Ameriprise and its affiliate since 2005. She serves as Treasurer on the Board of Directors for the Northern Westchester Chapter of the National Charity League. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income and tax-aware withdrawal strategies.

Alexandra Remmel is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and nine years of industry experience. Prior to joining J.P. Morgan in 2023, she worked at Morgan Stanley and Morgan Stanley Private Bank. She is an owner and partner of The Hive House, a health and wellness initiative providing support for women recovering from addiction, as well as a partner in sober homes for women and children. J.P. Morgan Securities offers institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, providing non-discretionary asset allocation advice, investment manager searches, and customized performance reporting, supported by a centralized due diligence process.

Kathryn Palao is a CFP® professional with 20 years of industry experience, currently with Cetera. She has worked with Cetera Wealth Services, LLC and Hudson Financial Services since 2006. Palao serves as a board member of the Briarcliff Manor Chamber of Commerce and manages tax preparation and planning through her role as President and CEO of Hudson Tax Services LLC. Cetera Investment Advisers LLC provides services through a nationwide network of independent advisors to a diverse client base, including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a variety of portfolio management and financial planning options, operating as a multi-manager platform that supports discretionary and non-discretionary strategies across multiple custodial relationships.