Patrick Gallagher is a financial advisor at Mass Mutual Investors Services with six years of industry experience. He holds a Series 66 designation and has worked previously at Knopman Marks and Skidmore College. Gallagher is also an independent insurance agent providing life, disability, long-term care, fixed annuities, and health insurance services. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm offers financial planning, asset management, and educational programs, structuring planning engagements as collaborative relationships using firm-approved analytical tools.

Christina Tikkanen is a financial advisor with Ameriprise in Rye Brook, NY, holding a Series 66 designation and 22 years of industry experience. She has been with Ameriprise since 2005. Outside of her advisory role, she serves as Co-Vice President on the Board of Directors for the St. Margaret School Home School Association. Ameriprise provides retirement-income planning services primarily for individuals with at least $1 million in investable assets, combining research, modeling, and tax-efficiency analysis to create tailored retirement recommendations. The firm also offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Antonio Nogalo is a financial advisor with UBS Financial Services in Greenwich, CT. He holds a Series 66 designation and has three years of industry experience. Prior to joining UBS in 2023, he worked at Morgan Stanley Smith Barney LLC, Deloitte, CEIS Review Inc., and Fairfield University. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining model-based asset allocations and proprietary research to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services, offering a broad range of products including fee-based planning, portfolio management, and capital markets services.

Caroline Calder is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds Series 63, 65, and 66 licenses and has worked with Morgan Stanley and its Private Bank since 2019, following five years at Bank of America and Merrill. Outside of her advisory role, Calder serves as Vice Chair of the Board at the Pequot Library in Southport, Connecticut. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, focusing on 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 both direct and employer-partnered financial planning services.

Spencer De Vito is a financial advisor at Morgan Stanley with four years of industry experience. He previously worked at UBS Financial Services for several years and holds Series 63 and Series 66 designations. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Joseph Graffeo is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Morgan Stanley since 2017, following three years at Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individual and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-approved tools and market-based modeling techniques.

Vincent Delrosso is a financial advisor at Mass Mutual Investors Services with 11 years of industry experience. He holds a Series 63 designation and has worked at Mass Mutual Investors Services since 2017, following three years at MetLife Securities. Outside of his advisory role, he is involved in independent insurance sales covering life, fixed annuities, disability, long-term care, health, and property and casualty 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 engagements as ongoing collaborative relationships focused on detailed client analysis and strategy recommendations.

Judin Pierre Louis is a Financial Consultant currently working at Fidelity Investments since 2023. In this role, he focuses on building strong financial plans tailored to the goals of his clients and their families, utilizing the resources and wealth planning services available at Fidelity. He has held several positions in the financial advisory field, including Financial Consultant at E*TRADE from Morgan Stanley (2019-2023), Financial Advisor at Citi Gold Personal Wealth Management (2015-2019), Vice President Financial Advisor at Capital One Investing (2014-2015), Relationship Banker at JPMorgan Chase (2013-2014), and Financial Advisor Associate at Morgan Stanley (2012-2013). This experience has provided him with a diverse background in wealth management and client relationship development. Outside of his professional work, Judin Pierre Louis engages in activities such as family activities, fitness, football, social events with friends, golf, and parenthood.

Michael Shipman is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 65 and Series 63 licenses and previously spent a decade at Citigroup. He is currently based in Greenwich, CT. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to support its recommendations.

Chelsea Cammarota is a financial advisor with Merrill in Greenwich, CT, holding a Series 66 designation and 25 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith Inc. since 1998. 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 a range of clients including individuals, high-net-worth clients, and charitable organizations.

Bharatkumar Jani is a financial advisor at Cetera with 30 years of industry experience. He holds the Series 63 designation and has worked at Avantax and Cetera-related entities since 2010. Outside of his advisory role, he serves as a Hindu priest and teaches driver safety courses. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to third-party money managers and various program structures.

Shiv Kathrotiya is a financial advisor with Morgan Stanley, holding a Series 66 designation and seven years of industry experience. His work history includes roles at Morgan Stanley & Co., LLC and Morgan Stanley Smith Barney LLC since 2017, as well as Heritage Financial Consultants LLC and Towson University. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides planning through direct individual engagements and Corporate Financial Planning agreements.

John Dunn is a financial advisor at Fidelity with 25 years of industry experience. He holds Series 65 and Series 63 designations and has worked at firms including Northwestern Mutual Investment Services LLC and Pyramid Consulting New York Life. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a range of clients, including retail and institutional investors, with an investment process that combines proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm is known for its use of AI and systematic methodologies, its role in advising multiple registered investment companies, and managing model portfolios for Fidelity Institutional Wealth Adviser.

Nick Dematteis is a financial advisor with Ameriprise in New Rochelle, NY, holding a Series 66 designation and 16 years of industry experience. His prior roles include positions at Morgan Stanley, Bank of America, and Merrill. Outside of his advisory work, he is the owner of ZPD Holding LLC, a holding company. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing written recommendation reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and automated tools to deliver tailored retirement income advice, primarily for clients maintaining assets in Ameriprise-managed accounts.

Jill Marino is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds Series 63 and Series 65 credentials and previously worked at UBS Financial Services for 12 years. Outside of her advisory role, she is a notary public in Buchanan, NY. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools.

Jose Morales is a financial advisor with Morgan Stanley in Greenwich, CT, holding a Series 66 designation and 11 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and market analysis.

Daniel Stan is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and over 31 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC from 1994 until joining LPL Enterprise in 2024. In addition to his advisory role, he sells property and casualty insurance policies. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management programs, and a range of brokerage and insurance products via an integrated platform that combines adviser programs with active financial product sales.

Dominika Lawecki is a financial advisor with RBC Capital Markets, LLC, holding a Series 66 designation and 8 years of industry experience. She has been with RBC Capital Markets since 2011. RBC Wealth Management serves a diverse client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers various advisory programs and tailors investment strategies using a mix of in-house and third-party managers, with features such as rebalancing options, tax management, and responsible investing screens.

Jonathan Delo is a CFP® professional affiliated with Cetera, holding Series 63 and Series 66 licenses, and has 23 years of industry experience. Prior to joining Cetera in 2024, he worked at Ameriprise Financial Services, Inc. for 16 years. Outside of his advisory role, he owns an automotive oil change and preventive maintenance business. Cetera Investment Advisers LLC serves individual investors, retirement plans, corporate, charitable, and institutional clients through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers. The firm manages over $256 billion in assets with more than 10,000 advisors nationwide.

Christopher Kelly is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank, N.A. and Chase Bank since 2016. From 2015 to 2019, he was also involved with Focus Artists. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.