Lydia Shaw is a financial advisor with UBS Financial Services and holds a Series 66 designation. She has two years of industry experience and previously worked at Deloitte, Groove, Teneo Holdings, and Credit Suisse. UBS Financial Services provides brokerage and investment advisory services to individual, corporate, and institutional clients. The firm uses proprietary capital market assumptions and research to tailor investment strategies and combines institutional trading capabilities with wealth management services.

Lindsey Chiarelli is a Wealth Management Advisor at Merrill Lynch Wealth Management. She began her career in the Financial Services industry in 2006 and has been with Merrill Lynch since 2015. Lindsey holds the CERTIFIED FINANCIAL PLANNER® designation and is also recognized as a Personal Investment Advisor (PIA). She earned a bachelor's degree in Business from Indiana University's Kelly School of Business and an MBA in Finance from New York University's Stern School of Business. Lindsey's expertise includes college education planning, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, women and wealth, tax minimization, and retirement income. Lindsey follows a disciplined process that begins with taking the time to understand each client and their family's financial situation and priorities. Outside of her professional work, she enjoys boating, cooking, spending time with her family, and traveling.

James Perrino is a Series 66 licensed financial advisor with nine years of industry experience. He is currently with Merrill and Bank of America, holding roles since 2016 with Merrill and since 2016 with Bank of America. His tenure includes multiple terms at Merrill, reflecting continuous experience within the firm and its affiliate. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies developed by internal and third-party managers.

James Czajkowski is a financial advisor with Equitable Advisors in Milford, CT, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked with AXA Advisors, LLC from 1999 to 2020. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model and offers tailored advisory services based on client goals, risk tolerance, and time horizon.

Andrew Tucker is a Series 66-credentialed financial advisor with Equitable Advisors in Stamford, CT. He has been with Equitable Advisors since 2026 and has prior experience at Ameriprise Financial, Vail Resorts Incorporation, and Home Depot. Equitable Advisors serves a diverse client base including individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs.

Franz Warren is a financial advisor at J.P. Morgan Securities with 31 years of industry experience. He holds Series 63 and Series 65 designations and has worked at J.P. Morgan Securities since 2012. Outside of his advisory role, Warren is involved in youth soccer as a director and coach for the Danbury Youth Soccer Club and also works as a certified freelance soccer referee. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling combined with centralized due diligence and an ESG eligibility framework.

Joseph Juliano is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career with Merrill Lynch in 2008 while earning his Bachelor's Degree from Fairfield University's Charles F. Dolan School of Business. Joe holds several professional designations, including Chartered Retirement Planning Counselor™ (CRPC™), Certified Plan Fiduciary Advisor® (CPFA®), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He has been recognized by The Financial Times as a Top 401k Retirement Plan Adviser for four consecutive years, most recently in 2020. His expertise lies in developing customized wealth strategies for individuals and families and providing ongoing advice and education to retirement plan participants. Joe focuses on guidance through working years and assisting transitions to retirement using income replacement strategies, distribution options, and goals-based retirement planning. He is actively involved in his community, serving as a mentor for Fairfield University's Dolan School of Business Professional Development Series Program and on the board of The Cardinal Sheehan Center. Joseph currently resides in Trumbull, Connecticut with his wife.

Michael Bogardus is a CFP® professional with 13 years of industry experience, currently serving at Mass Mutual Investors Services since 2017. Prior to that, he worked at MetLife Securities Inc. for five years. He maintains an active role as an insurance agent specializing in various life and health insurance products. Bogardus also serves as Vice President of Harbor Oak Professional Services, LLC, a firm focused on shared operational infrastructure and expense management. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of programs including wrap accounts and educational seminars, emphasizing collaborative, annual financial planning engagements.

Robert Wood is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with Cambridge Investment Research Advisors since 2016. Outside of his advisory role, he also works as an independent insurance agent. Cambridge Investment Research Advisors serves a diverse range of clients including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent Financial Professionals, utilizing multiple custody platforms and a combination of proprietary and third-party investment strategies.

Loren Gough is a financial advisor with Fidelity who holds Series 63 and Series 66 credentials and has 25 years of industry experience. He has worked with Strategic Advisers since 2002 and Fidelity Personal and Workplace Advisors since 2018. Outside of his advisory role, he is a classic car owner involved in vintage car and truck rentals. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including fund advisory and portfolio management. The firm employs a systematic investment approach combining proprietary research, quantitative analysis, and algorithmic portfolio construction.

Ian Smith is a financial advisor at Charles Schwab with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at notable firms including Bank of America, Merrill, and TIAA-CREF. Ian is currently based in Fairfield, CT. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program. The firm combines non-discretionary advisory services with access to discretionary separately managed accounts, utilizing multi-asset model portfolios and offering a comprehensive, integrated wealth management platform.

Norena Howard is a Series 66 licensed financial advisor with 15 years of industry experience. She has worked at Wells Fargo Advisors since 2023 and previously spent 14 years at UBS. In addition to her advisory role, she is a notary public. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and financial planning services tailored to a broad range of needs, including retirement, education, risk management, and specialized areas such as business-owner transition planning and special-needs analysis.

Elizabeth Cleary is a financial advisor with Mass Mutual Investors Services in Stamford, CT, holding the CFP® designation and industry licenses including Series 63 and Series 65. She has 17 years of experience in the financial services industry, with a background at Metlife Securities Inc and Massachusetts Mutual Life Insurance Company. Outside of her advisory role, she is the owner of Lefebvre Financial Services, LLC, and serves as a trustee on an irrevocable life insurance trust. 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, providing collaborative, goal-based planning using firm-approved analytical tools.

Thomas Ellis IV is a financial advisor with MassMutual Investors Services and holds a Series 66 designation. He has one year of industry experience and previously worked at Barnum Financial Group and Vitamin Shoppe. Outside of his advisory role, he serves as a brand ambassador for Get Raw Nutrition, promoting sports supplement products. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers collaborative, goal-oriented planning engagements supported by firm-approved analytical tools.

David Priebe Jr. is a financial advisor with UBS Financial Services in Stamford, CT, holding Series 63 and Series 66 registrations and bringing 11 years of industry experience. He previously worked at The Vanguard Group, Inc. for one year before joining UBS in 2017. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services to support customized financial planning and portfolio management.

Alberto Bernardez is a financial advisor at J.P. Morgan Securities with Series 65 and Series 63 credentials and one year of industry experience. His prior roles include positions at Merrill Edge and Bank of America, each spanning seven years. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized due diligence. The firm offers non-discretionary services through a select group of Wealth Advisors and incorporates an ESG eligibility framework in its investment recommendations.

James Owens is a financial advisor with Ameriprise in Stamford, CT, holding a Series 66 designation and 19 years of industry experience. He has been with Ameriprise and its affiliate since 2015. Ameriprise provides a retirement-income planning service aimed at individuals nearing or in retirement who meet specific asset criteria, offering written recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research and modeling with a centralized consulting team to deliver tailored, non-discretionary recommendations, primarily for clients holding assets in Ameriprise-managed accounts.

Ashish Verma is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at JPMorgan Chase Bank and Wells Fargo Bank over the course of his career. 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 through a team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Ernest Montavon is a financial advisor with Wells Fargo Clearing in Ansonia, CT, holding Series 63 and Series 65 licenses and possessing 32 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he has been involved with Millennium Construction and Development, LLC for over two decades. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients by providing investment advisory services, financial planning, 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 from Wells Fargo Investment Institute.

Christian Connolly is a financial advisor at Fidelity with a Series 66 designation and joined the firm in 2025. Prior to his current role, he has experience in the hospitality industry and other business ventures, including managing bars and restaurants. Christian has no prior industry experience in financial advising. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios. The firm also serves as an adviser to multiple registered investment companies and employs formal oversight procedures for its managed funds.