Britt Szostak is a CFP® with 30 years of experience, currently affiliated with MassMutual Investors Services in Stamford, CT. They have worked at MassMutual and its affiliated entities since 1996 and spent 15 years with Lenox Advisors, Inc. Szostak also holds an insurance agent role focusing on life, disability, long-term care, and health 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 programs, emphasizing collaborative client relationships and event-driven planning services.

Cooper Choate is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. His prior work includes positions at Bank of America Merrill Lynch and JPMorgan Chase Bank, N.A., as well as a period of study at Tulane University Law School. 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 applying an ESG eligibility framework in its recommendations.

Stephen Lillis is a Managing Director and Private Wealth Manager with the RSL Group at Merrill Private Wealth Management in Greenwich. He provides tailored advice to ultra-high-net-worth clients, supporting multiple generations of family clients in wealth management, portfolio design, and implementation. His expertise includes evaluating a diverse range of asset classes and investment instruments, such as equity and debt instruments, structured investments, alternative investments, and derivative structures aimed at enhancing returns or reducing risks in concentrated portfolios. With nearly 30 years of experience, Stephen has held senior roles at Citi Private Bank and J.P. Morgan, advising hedge fund principals, private equity investors, family offices, and multigenerational families. His background includes managing portfolios with access to all asset classes, capital markets structures, and derivatives. He earned a Bachelor's degree from the University of Rhode Island and an MBA from the Herbert Business School at the University of Miami. Stephen lives in Wilton, Connecticut, with his wife and two children. Outside of work, he enjoys spending time with his family, boating, fishing, golfing, swimming, and traveling.

Richard Toni is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and 18 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and was previously with Metlife Securities Inc from 2008 to 2017. Outside of his advisory role, he is involved in insurance sales and works part-time as a sales coach. 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, wrap programs, and educational seminars, structuring its planning engagements as annual, collaborative relationships focused on goal analysis and written recommendations.

Matthew Sullivan is a financial advisor with Mass Mutual Investors Services in Elmsford, NY, holding Series 63 and Series 65 credentials and possessing 19 years of industry experience. His career includes roles at MassMutual Life Insurance Company since 2016 and METLIFE Securities Inc from 2006 to 2017. He is also engaged in an outside insurance business involving life, disability, long-term care, fixed annuities, and health 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 programs, structuring planning engagements as annual collaborations that provide detailed analyses and written recommendations without discretionary authority.

Mark Marotta is a financial advisor at Raymond James & Associates with 45 years of industry experience. He holds Series 63 and Series 65 designations and has been with Raymond James since 2015. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutional and pension plans, and nonprofit organizations, offering financial planning, investment consulting, and institutional fiduciary services with a variety of portfolio management styles and affiliated research.

Lilibeth Miranda is a financial advisor with Raymond James Financial and holds a Series 63 designation. She has seven years of industry experience, including eight years at Ameriprise Financial Services, LLC, and a prior 20-year tenure at Cuny Hunter College. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a broad client base that includes individuals, high-net-worth clients, corporations, and institutional clients. The firm provides tailored, non-discretionary planning and employs analytical tools such as risk profiling and probability modeling to support client goals.

Nathan Clendenin is a financial advisor at Fidelity with two years of industry experience and holds the Series 66 designation. Prior to joining Fidelity, he held roles at Hudson Financial Associates and has teaching experience at Elon University, Lehigh University, and Horace Greeley High School. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, through a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages discretionary and non-discretionary portfolios, fund advisory services, and model portfolios, with a notable focus on systematic methodologies and oversight of affiliated sub-advisers.

Steven Samori is a financial advisor with LPL Financial, holding the Series 63 and Series 66 credentials and six years of industry experience. Prior to joining LPL Financial in 2025, he worked for David Lerner Associates for five years. His background also includes roles at Tesla and various other companies. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers.

Margaret Graves is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2024. Outside of her advisory roles, she has prior experience at Georgetown University and in planning and engineering firms. 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 in its investment process.

Brian Kopilak is a financial advisor with Primerica Advisors, holding a Series 63 designation and bringing 21 years of industry experience. He has worked with PFS Investments Inc. since 2004 and Primerica Financial Services since 2003. Outside of advisory work, he is involved in affiliated business activities including sales of loan products and home-related services through Primerica Mortgage, LLC and Primerica Client Services, Inc. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, which serves individual and high-net-worth clients with model-based strategies and discretionary separately managed accounts. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating with a tiered wrap-fee structure.

Elise Derusha is a Series 66 licensed advisor at Charles Schwab with two years of industry experience. She has held roles at Charles Schwab Bank, Charles Schwab, Clifton Larson Allen, and Educated Investments. Outside of her advisory career, she has worked at Holmberg Orchards and Uber Eats. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment options supported by multi-asset model portfolios and centralized custodial and brokerage services.

Dominic Mattei is a financial advisor at Charles Schwab with two years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank, Gartner, Fresh Prints, Amazon, Stapleton MCA, and Denver Parks and Recreation. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary advisory relationships with access to discretionary separately managed accounts and alternative investments.

Deborah Pace is a financial advisor at Merrill with 41 years of industry experience. She held prior roles at Morgan Stanley Smith Barney before joining Merrill in 2017. She is a Series 63 and Series 65 license holder. Outside of her advisory work, Deborah is a limited partner in Woodpecker Media, a for-profit LLC focused on children’s book projects. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions, utilizing internal and third-party management teams.

Daniel Halchak is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and four years of industry experience. He has worked at several firms, including Mass Mutual Insurance Company and Barnum Financial Group, before joining JPMorgan Chase Bank and JPMorgan Securities in 2023. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Deborah Ayling is a financial advisor at Fidelity with 12 years of industry experience. She holds a Series 66 designation and previously worked at Morgan Stanley from 2014 to 2022 before joining Fidelity. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its advisory roles with registered investment companies, use of systematic methodologies, and integration of AI in its investment process.

Michael Chandiramani is a financial advisor at UBS Financial Services with 14 years of industry experience. He holds the Series 66 designation and has been with UBS since 2012. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

Victor Rubino is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and 18 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2013, with prior experience at Credit Suisse Securities (USA) LLC and RBC Rochdale, LLC. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm’s services are delivered on a non-discretionary basis, with an emphasis on internally approved funds and strategies.

James Stephens is a financial advisor at Fidelity with one year of industry experience. He holds a Series 66 designation and has worked previously at Ameriprise Financial and the University of Vermont Tutoring Center. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves in advisory roles for multiple registered investment companies and fund-of-funds.

Mack Portnoy is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 65 licenses and has worked at various J.P. Morgan entities since 2018, with earlier experience including a position at Asymmetry Capital Management and time at Cornell University. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence. The firm offers these services on a non-discretionary basis, incorporating an ESG eligibility framework in its investment recommendations.