Thomas Oshea is a financial advisor at Cambridge Investment Research Advisors with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Cambridge since 2010. Outside of his advisory role, he contributes by writing chapters in a finance-related book. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent professionals, utilizing a variety of portfolio management and model-based solutions tailored to client objectives.

Scott Zavatkay is an investment advisor representative at OSAIC with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Securities America Advisors and National Planning Corporation. Outside of his advisory role, he is a partner at RetirementPlus Financial Solutions LLC, providing retirement, college, and investment planning advice. He also serves as a notary public and sells collectibles periodically. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, financial planning, and access to third-party money managers, using asset-allocation tools and automated rebalancing to construct diversified portfolios.

Seamus Monschein is a financial advisor at RBC Capital Markets with 21 years of industry experience. He holds the Series 63 and Series 66 designations. His career includes positions at RBC Capital Markets since 2008 and City National Bank since 2016. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients, including individual investors, institutions, and charitable organizations, offering multiple advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, and brokerage services. The firm uses a tailored investment approach based on client risk profiles and integrates in-house and third-party asset managers alongside alternative investments and other financial strategies.

Jorge Quinto is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 34 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he is an officer of Pirraglia Chiropractic, a healthcare business in New Rochelle, New York. Morgan Stanley Wealth Management provides advisory programs to individual and institutional clients with a focus on tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment models to support its financial planning process.

Steven Violette is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He previously worked at UBS Financial Services from 2008 to 2019 before joining Wells Fargo in 2019. Outside of his advisory role, he serves as a committee member for the Westport Republican Town Committee and participates on the finance committee of St. Luke Catholic Church. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, such as insurance-related vehicles and bank deposit sweep programs.

Scott Cunningham is a financial advisor with Equitable Advisors in Stamford, CT, holding Series 63 and Series 65 licenses and three years of industry experience. Prior to joining Equitable Advisors, he has worked in event staffing and financial services roles, including with Julia Valler Event Staffing and Broadridge Financial Solutions. Outside of advising, he is involved with Julia Valler Event Staffing. Equitable Advisors serves a wide range of clients, including individuals, high-net-worth, retirement plans, corporate, charitable, and institutional clients, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as a dual-registered SEC investment adviser and broker-dealer and participates in various third-party platform programs to deliver advisory and brokerage solutions.

Roy Johansen Jr. is a financial advisor with LPL Financial in Shelton, CT, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with LPL Financial since 2016. Outside of his advisory role, he is a commissioned notary public. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and various technological tools.

Brian Bello is a financial advisor with Wells Fargo Clearing in Westport, CT, holding a Series 66 designation and 21 years of industry experience. Prior to joining Wells Fargo in 2019, he worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney from 2009 to 2019. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Eric Johnson is a financial advisor with Ameriprise in Weston, CT, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He previously worked at Oppenheimer & Co. Inc for ten years before joining Ameriprise in 2019. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a structured service delivered by a centralized consulting team, with an emphasis on assets held in Ameriprise Managed Accounts.

Abby Wolman Mcelroy is a Certified Financial Planner (CFP®) with 39 years of experience in the financial industry. She has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2017 and was previously with RBC Capital Markets Corporation from 2008 to 2017. She is affiliated with Morgan Stanley Wealth Management, which provides advisory programs and tailored financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery conversations and proprietary tools, serving a broad range of retail and institutional investors.

James Maloney is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he focuses on understanding clients' financial priorities and works closely with them to identify and achieve their financial goals through personalized planning strategies. His expertise areas include education planning, family wealth management strategies, liquidity management, personal retirement planning, and retirement income. James holds a Bachelor's Degree and a Master of Business Administration (MBA) from Pace University. He carries the designation of Personal Investment Advisor (PIA). Outside of his professional responsibilities, James volunteers as a basketball coach, bringing a similar level of attention and dedication to his community involvement as he does in his work with clients. He aims to serve as a financial resource for his clients by looking at their complete financial picture and designing customized plans to help attain both essential and aspirational financial goals.

Richard Singer is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and 20 years of industry experience. He has worked with Mass Mutual Investors Services and Mass Mutual Life Insurance Company since 2012. Outside of his advisory role, he is also an agent involved in the sales and service of life and health insurance products through various carriers. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser offering financial planning and investment services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses a collaborative approach with clients, employing firm-approved software tools for goal analysis and delivering written recommendations that clients may choose to implement through separate brokerage or insurance arrangements.

Lecia Lupoli is a financial advisor at Charles Schwab with 14 years of industry experience. She holds a Series 66 designation and has been with Charles Schwab and Charles Schwab Bank since 2011. Outside of her advisory role, Lecia provides private tutoring focused on preparing high school students for standardized tests such as the PSAT, SAT, and ACT. Charles Schwab 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 combines non-discretionary advisory services with access to discretionary separately managed accounts, offering clients strategic asset allocation and alternative investment options.

Kevin Settler is a Financial Solutions Advisor (FSA) at Merrill Lynch Wealth Management. He focuses on connecting clients with tailored financial strategies that align with their unique ambitions, helping them pursue goals such as funding education, planning for retirement, and managing potential healthcare costs. Kevin emphasizes understanding clients' personal perspectives and priorities to simplify the complexities of investing and wealth planning. With expertise spanning general investing, retirement planning, and savings for unforeseen events, Kevin dedicates time to learning what is important to each individual client. He provides ongoing advice and guidance as clients’ needs evolve, creating personalized approaches to help achieve family and long-term financial goals. Kevin holds a Personal Investment Advisor (PIA) professional designation and earned an Associate's Degree from SUNY Rockland after graduating from Clarkstown North High School. He is also involved in community activities, including participation in the American Lung Association's Lung Force Walk.

Timothy Nuland is a financial advisor at Merrill with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 2004 and Bank of America since 2009. 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 supported by internal and third-party teams, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael D. Henderson is a financial advisor at UBS Financial Services with 15 years of industry experience. He has been with UBS since 2009. Outside of his advisory work, he coaches varsity hockey at Archbishop Stepinac High School and works seasonally as a salesman at Pedigree Ski Shop. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers a range of capital markets services.

Darden Livesay Jr. is a financial advisor at Morgan Stanley with 41 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to individuals and institutional clients. The firm offers tailored financial planning through its Financial Advisors and Estate Planning Strategies Group and manages approximately $2.74 trillion in client assets.

Isabella Griffin is a financial advisor at Raymond James Financial with 38 years of industry experience. She holds the Series 63 and Series 65 designations and has been with Raymond James Financial Services Advisors Inc. since 2013. 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, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using risk profiling and analytical tools, and it supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Christopher Holland is a financial advisor with Mass Mutual Investors Services in Stamford, CT, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. His prior work includes roles at Metlife Securities Inc. and Massachusetts Mutual Life Insurance Company. 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 provides financial planning, asset management, and educational programs, using firm-approved analytical tools to develop annual collaborative plans without discretionary authority over client investments.

Roger Ciriello is a financial advisor at LPL Financial with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Prudential Annuities Distributors and Primerica Advisors. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.