Christopher Mason is a financial advisor at Ox Lux Advisory LLC with one year of industry experience. He holds Series 65 and Series 63 designations. Prior to joining Ox Lux Advisory, he worked at Aaron Wealth Advisors and Specialist TeleMed LLC, and he also has experience with Saudi Aramco. Ox Lux Advisory LLC provides advisory services to individuals, high-net-worth individuals, and charitable organizations, offering financial planning and ongoing portfolio management tailored to client goals. The firm integrates modern portfolio theory, quantitative and technical analysis, and employs various trading strategies, conducting regular account reviews and providing detailed reporting.

Tyson Fielding is a CFP® professional with nine years of experience and is the principal advisor at Equinox Financial Advisors, Inc. in Manchester Center, VT, where he has worked since 2012. Prior to Equinox, he was involved with T&E Fielding Corp. Outside of his advisory work, he serves as treasurer of Main Street Hockey Club, Inc. and is a board member of the Mt. Laurel Foundation. Equinox Financial Advisors, Inc. provides wealth management, investment management, financial planning, and tax preparation services to individuals, high-net-worth clients, trusts, estates, businesses, and nonprofit organizations. The firm manages approximately $110.9 million in discretionary assets across about 312 client relationships, offering customized, primarily long-term portfolios using low-cost mutual funds and ETFs, with flexibility for additional securities and investment restrictions.

Hudsen Hagland is a CFP®-certified financial advisor with four years of industry experience. He currently leads AFS Wealth Management LLC, an independent advisory firm, and has prior experience at SHP Wealth Management, LLC and Fisher Financial Advisors, LLC. He also held a position at the University of Massachusetts Dartmouth from 2015 to 2020. AFS Wealth Management LLC is a single-advisor firm managing approximately $30.7 million for about 44 clients. The firm offers discretionary portfolio management and financial consulting tailored to individual client objectives, employing a combination of modern portfolio theory and technical analysis methods.

Kevin Theissen is a financial advisor at HWC Financial with 15 years of industry experience. He holds the Series 63 and Series 66 licenses and has worked at HWC Financial since 2018, following a seven-year tenure at Skygate Financial Group. In addition to his advisory role, he is a licensed insurance agent. HWC Financial provides discretionary investment management and financial planning services to individual and high-net-worth clients, managing approximately $52 million across about 100 accounts. The firm employs a fundamentally driven, value-oriented investment approach with a multi-year horizon and integrates tax and insurance considerations into its planning.

Zachary Levine is a financial advisor at HWC Financial with three years of industry experience. He holds a Series 66 designation and has previously worked at LPL Financial LLC, Mirras, Jacoby, Levine & Hatgistavrou Inc., Ganer + Ganer PLLC, and Mazars LLP. Outside of advisory work, he is involved with Cope Americas, LLC, an online selling platform. HWC Financial provides discretionary investment management and financial planning to individual and high-net-worth clients, managing approximately $52 million across about 100 accounts. The firm employs a fundamentally driven, value-oriented approach, constructing portfolios across major asset classes with discretion to rebalance or hold positions based on tax, valuation, or client-specific considerations.

Shawn Harrington is a financial advisor at Bay Colony Advisors with 21 years of industry experience. He holds a Series 66 designation and has been with Bay Colony Advisors since 2016. Outside of his advisory role, he serves as a curator for the Manchester Historical Society in Vermont. Bay Colony Advisors serves individual investors, high-net-worth families, trusts, retirement plans, and institutional clients, offering comprehensive financial planning, portfolio management, and family office services. The firm combines fundamental analysis with model portfolios and access to sub-advisers, providing both discretionary and non-discretionary management tailored to client needs.

James Mirenda is a CERTIFIED FINANCIAL PLANNER™ professional with 22 years of industry experience. He has been with Wealthcare Capital Management LLC since 2012. Wealthcare Capital Management LLC is an SEC-registered multi-team advisor managing approximately $3.03 billion for individual and high-net-worth clients, trusts, retirement plans, foundations, and other entities. The firm offers discretionary and non-discretionary portfolio management, financial planning, retirement plan advisory, and access to alternative and precious-metal solutions, utilizing model portfolios primarily composed of mutual funds and ETFs supplemented by alternative investments and specialty platforms.

Melvin Mills Jr. is a financial advisor with Money Concepts Capital Corp, holding Series 63 and Series 65 licenses and 28 years of industry experience. He has been with Money Concepts Capital Corp since 2010 and also owns Mills Watch Repair, a watch repair business he has operated since 2007. Additionally, he serves as a board member of the Master Registered Financial Consultant Board. Money Concepts Advisory Service provides portfolio management, financial planning, and consulting services to a broad range of clients, including individuals, pension plans, trusts, and corporations. The firm employs a variety of managed programs and combines fundamental and technical analysis with modern portfolio theory to manage approximately $3.33 billion across 14,700 clients.

A. Nicholas Strom Olsen is a financial advisor with Private Advisor Group, LLC, holding a Series 66 designation and bringing 23 years of industry experience. He has been with Private Advisor Group and LPL Financial since 2015. Olsen also serves as a notary in Vergennes, Vermont. Private Advisor Group, LLC is an SEC-registered advisory firm managing over $41 billion for more than 135,000 client relationships, including individuals, trusts, estates, charitable organizations, and corporate and retirement plan clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, retirement plan consulting, and access to third-party asset management programs, employing a range of investment strategies and supporting held-away account management through technology partnerships.

Jennifer Kane is an advisor at Kestra Advisory with 15 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Kestra Investment Services, Kestra Advisory, Westchester Benefit Group, Greenwich Associates, and Hawkshaw, LLC. Outside of her advisory work, Kane is president of Green Mountain Media Group LLC, a local publishing business. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a range of institutional and individual clients. The firm offers services including fiduciary consulting, plan design, employee education, and access to multiple management platforms, serving clients such as large institutional investors and sovereign wealth funds.

Gary Len is a financial advisor at Raymond James Financial with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Raymond James Financial or its affiliates since 1999. 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, corporations, and institutional investors. The firm employs non-discretionary planning and analytical tools to tailor advice to client goals and supports municipal and public-finance work through a municipal advisor affiliation.

Robert Esposito is a financial advisor with Osaic Wealth, Inc. He holds a Series 66 designation and has 19 years of industry experience. Prior to joining Osaic in 2024, he worked with Securities America Advisors, Inc. and Securities Service Network, Inc. He also owns a personal income tax preparation and bookkeeping business and is involved in the sale of life insurance products. Osaic Wealth, Inc. serves a diverse client base that includes individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides brokerage and investment advisory services, financial planning, retirement plan consulting, unified managed accounts, and access to various third-party money managers and wrap programs.

John Jacobi is a Wealth Management Advisor at Merrill Lynch Wealth Management with over 30 years of experience in the investment industry. He specializes in investment management, retirement planning, small business 401(k) solutions, and provides personalized financial strategies for individuals, families, and business owners. John's approach focuses on connecting all aspects of a client's financial life to prioritize and pursue their most important goals. John holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Chartered SRI Counselor (CSRIC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's degree in Finance from the University of Vermont and a Master's degree in Finance from Boston College. His areas of expertise include wealth management, business owner planning, retirement and income planning, tax-efficient wealth strategies, estate and legacy planning, and generational wealth transfer. Outside of his professional work, John is active in his community, serving as past president of the Board for Habitat for Humanity of Bennington County and coaching youth sports such as the Bridgewater Girls Softball League and Bridgewater Youth Soccer. He enjoys fishing, golfing, hiking, skiing, and spending time with his family.

Theodore Andres is a financial advisor with Ameriprise, holding a Series 66 credential and one year of industry experience. Prior to joining Ameriprise, he volunteered as a tax preparer and reviewer for low-income individuals through the Champlain Valley Office of Economic Opportunity. He also works seasonally as a bartender at weddings. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides detailed retirement planning and tax-aware withdrawal strategies.

Jeremiah Evarts is a financial advisor at Stifel with 39 years of industry experience. He has held his current position at Stifel Nicolaus & Co. Inc. since 2009. He holds Series 63 and Series 65 credentials. Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and municipal entities, offering both brokerage and investment advisory services. The firm’s investment approach utilizes proprietary methodology developed by its Investment Strategy Group, employing forward-looking capital market assumptions and probabilistic modeling to inform asset allocation and financial planning.

James Coleman is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and four years of industry experience. He has been with Cetera since 2023 and previously worked at Archstone Financial. Outside of his advisory role, Coleman is involved with the International Skiing History Association as Membership and Marketing Director and owns Coleman Education Group, which provides educational tutoring and college advising. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients through a network of over 10,000 advisors. The firm offers a multi-manager platform with diverse portfolio management options, including discretionary and non-discretionary services, and manages over $256 billion in assets.

Cody Crossman is a financial advisor at Raymond James Financial with four years of industry experience. He holds the Series 66 designation and has worked with multiple Raymond James entities since 2021. Outside of advising, Crossman works as a sales assistant for Watershed Wealth Management and Traver Gardner Group in Manchester Village, VT. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations, using tailored risk profiling and analytical tools.

Carl Cascella is a Wealth Management Advisor with Merrill Lynch Wealth Management. He focuses on helping clients develop personalized financial strategies tailored to their individual goals and adapting to changing market conditions. Carl provides clients with access to investment insights from Merrill, along with banking and lending solutions through Bank of America. He holds the CERTIFIED FINANCIAL PLANNER (CFP) designation and is a Personal Investment Advisor (PIA). Carl earned his Bachelor's Degree from Harvard University. In addition to his professional work, he is committed to community involvement and volunteers with local organizations.

Adam Ihasz is a Senior Resident Director and Wealth Management Advisor with over 30 years of experience in the finance industry. He began his career at Merrill Lynch Wealth Management in Forest Hills, New York, before transitioning to the institutional sector, where he held positions including Portfolio Manager, Head of Institutional Trading, and Chairman and CEO of his family-run investment advisory firm. In 2013, Adam merged his trading business with National Securities Corporation and served as Senior Managing Director of Institutional Trading for six years, providing trading strategies focused on technical analysis, event-driven trading, and special situations for major hedge funds. He returned to wealth management in 2014, rejoining Merrill Lynch in Manchester, Vermont, where he currently serves as Resident Director and Senior Vice President. Adam's expertise spans alternative asset management, portfolio management, and institutional investment consulting, with a primary focus on selecting disciplined hedge fund strategies that are uncorrelated to the underlying markets. He holds several FINRA registrations including Series 4, 7, 24, 31, 53, 55, 63, and 65, along with the Certified Plan Fiduciary Advisor (CPFA) designation. Adam attended Long Island University, although no diploma was conferred. He lives in Danby, Vermont, with his wife, Ronda, and their two daughters. Outside of work, Adam enjoys a fitness-oriented lifestyle and has competed in amateur bodybuilding competitions. He also maintains involvement in community activities, reflecting his commitment to the Merrill tradition of community participation.

Robert Mangiacotti is a Wealth Management Advisor with Merrill Lynch Wealth Management. He provides affluent families and small-to-midsize businesses with strategic guidance and advice, financial planning, investment management, and private banking services. His approach focuses on understanding clients' priorities to develop personalized financial strategies designed around their goals and aspirations, emphasizing managing risk to help create, build, and preserve wealth. Mangiacotti holds a Bachelor of Science degree in Electrical Engineering from Brown University and an MBA in Finance from the University of Maryland. He holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He manages and coordinates financial affairs for affluent families, retirees, professionals, and business owners across Vermont and the country. Outside of his financial advisory role, Mangiacotti is involved in ski racing as an official and Technical Delegate of the United States Ski Association. He participates in the Vermont Alpine Racing Association and has personal interests in football, hiking, music, and skiing.

Ken Fukushima is a Wealth Management Advisor at Merrill Lynch Wealth Management. Since joining the firm in 1985, he has specialized in providing goal-driven wealth management, retirement income planning, and behavioral counseling for a select group of individuals and families, including senior executives, self-employed professionals, and retirees. He works with clients to create personalized wealth management strategies that address education planning, family wealth management, legacy planning, personal retirement planning, tax minimization, and retirement income. Ken’s approach to wealth management emphasizes a holistic view of each client’s financial picture, utilizing a goal-driven, planning-based process combined with an investment discipline designed to balance confidence in goals with risk management. He is supported by a team of Merrill specialists and the capabilities of a global financial services leader, enabling him to offer customized strategies and solutions tailored to clients’ needs. Ken holds a Bachelor’s degree from Rutgers and has earned the CERTIFIED FINANCIAL PLANNER® (CFP) and Personal Investment Advisor (PIA) designations. Outside of his professional work, Ken participates actively in community organizations such as Ridge Youth Sports and Grace Lutheran Church. His personal interests include basketball, football, hiking, running, skiing, spending time with family, and traveling.

William Hadden III is a financial advisor at Stifel with 43 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Stifel Nicolaus since 2008. Stifel serves a broad range of clients, including individuals, institutional clients, and municipal entities, offering brokerage and investment advisory services. The firm’s investment approach incorporates a proprietary methodology developed by its Investment Strategy Group, using forward-looking capital market assumptions and probabilistic modeling to provide guidance on asset allocation, retirement, insurance, and estate planning.

Adam Walsh is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his Wall Street career over 25 years ago as an institutional equities trader at Bankers Trust. Prior to joining Merrill Lynch in 2003, Adam practiced as a securities and antitrust attorney for six years. Transitioning from law to wealth management, he brings extensive experience in investments and long-term retirement planning to his clients. Adam focuses on analyzing clients' risk tolerance, time horizon, liquidity needs, and overall investment goals to develop strategies for high net-worth families and small businesses. He works closely with clients and their estate planning attorneys to navigate the complex estate planning process. Adam holds the CERTIFIED FINANCIAL PLANNER® and CERTIFIED PLAN FIDUCIARY ADVISOR® designations. He graduated magna cum laude from Catholic University with a major in Political Science and earned his J.D. from the University of Connecticut School of Law. Beyond his professional career, Adam serves as a Commander in the United States Navy reserves and is a decorated veteran of Operation IRAQI FREEDOM. He and his wife, Lauren, have two sons and reside in Londonderry, VT, spending summers in Newport, RI. Adam is a member of the New York Yacht Club and serves on the Advisory Board of Sail Newport.

Rhonda Lathrop is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she collaborates with clients to develop personalized strategies that reflect their financial goals and values. She specializes in a range of areas including college education planning, family wealth management strategies, LGBT wealth planning, managing new wealth, personal retirement planning, portfolio management, socially responsible and ESG investing, women and wealth, sports and entertainment, and retirement income. With a bachelor's degree from Boston College, Rhonda holds several professional designations including Certified Divorce Financial Analyst (CDFA), Certified Exit Planning Advisor (CEPA), CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and Personal Investment Advisor (PIA). Her extensive experience includes entrepreneurship and technology leadership, which informs her advisory approach. Rhonda works primarily with clients across Boston, New York, Florida, and New England, focusing on affluent families, entrepreneurs, and corporate executives. Outside of her professional role, Rhonda is involved in community organizations such as the Okemo Valley Women's Club, Catamount Trail Organization, Stratton Mountain School Race Crew, BC Alumni Vermont Chapter, and the BART Adaptive Program. Her personal interests include gardening, golfing, skiing, spending time with family, and tennis.

Christopher Smiles is a Senior Financial Advisor and the founder of The Smiles Group, a family office-style investment team within Merrill Lynch Wealth Management. Since joining the firm in 1984, he has worked extensively with entrepreneurs, executives, and high-net-worth families nationwide. He leads a team dedicated to high-touch, relationship-driven service and works closely with each client’s legal and tax advisors to deliver fully integrated financial strategies. His role includes overseeing client relationships and developing investment allocation models for both individual and corporate clients. Christopher holds the Chartered Retirement Planning Counselor™ (CRPC™) and Certified Plan Fiduciary Advisor® (CPFA®) designations and earned a B.A. in Economics from Bates College. His areas of expertise encompass corporate executive services, divorce transition planning, executive compensation, family wealth management strategies, services for endowments, foundations, and non-profits, defined benefit plan services, managing new wealth, personal retirement planning, philanthropic planning, and tax minimization. Residing in Weston, Vermont, Christopher lives with his wife Missy and their three dogs. Outside of his professional work, he enjoys biking, fishing, hiking, skiing, yoga, and participates in community events such as the Nantucket Race Week - Rainbow Parade.

Steven Schmitt is a CFP® professional with 24 years of experience, currently with Raymond James & Associates since 2022. His prior experience includes roles at Morgan Stanley Private Bank and Wells Fargo Advisors. He is also authoring a book titled "Capitalizing on Climates," expected to be published in early 2026. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm offers financial planning and consulting with a range of portfolio management styles and notable municipal advisory and execution services.

Brian Vargo is a Series 66-credentialed financial advisor with Raymond James Financial, based in Manchester Village, Vermont, and has 10 years of industry experience. His work history includes roles at Raymond James firms and other investment groups. Outside of his advisory work, he owns and manages Walloomsac Property Partners LLC, a farm focused on wildlife restoration and habitat management. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, and institutional investors. The firm offers tailored non-discretionary planning and supports various advisory programs, with specialized services in municipal and public finance.

Michael Gardner is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and bringing 22 years of industry experience. He has worked at several firms, including Raymond James & Associates and Walloomsac Financial Services, and has owned Thyme Tables Catering, Inc. for 20 years. Gardner is involved in agricultural activities as a partner in Walloomsac Property Partners and serves on the Glastenbury Zoning Board. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning supported by analytical tools and maintains specialized programs such as municipal advisory services and SIMPLE IRA consulting.

Derek Karner is a financial advisor with OSAIC, holding a Series 66 designation and bringing eight years of industry experience. Prior to joining OSAIC in 2024, he worked for American Portfolios Financial Services Inc. for seven years and was involved in the furniture business for 27 years. He is a trustee of the Karner Family Trust and is associated with Diamond Point Wealth Partners, a financial advisory partnership. OSAIC Wealth, Inc. serves a diverse client base including individual investors, institutions, corporations, and charitable organizations through a large network of affiliated advisers. The firm integrates brokerage and advisory services, employing asset-allocation tools and offering portfolios with a range of investment types managed on discretionary or non-discretionary bases.