Cliff has been assisting individuals with comprehensive investment planning and implementation since 1983. He has been with O/L since 1991. He received a BA in economics from the University of Hartford and an MA in economics from the University of New Hampshire. Visit Cliff's Blog

Ron was a major force in building the investment firm and now manages more than $100 million of retirement assets for his clients. He specializes in the unique rules, investment management, distribution, and estate planning considerations for IRAs and other assets for retirement income planning. A Certified Financial Planner, Ron has served on the boards of the International Association for Financial Planning and the Institute of Certified Financial Planners. He has been a Chartered Retirement Planning Counselor, and was named to Ed Slott’s Elite IRA Advisor Group®, a national network of IRA specialists. He is a member of the Connecticut Chapter of the Financial Planning Association and the Estate and Business Planning Council of Hartford. Ron received a BA in psychology from the University of Connecticut and an M.Ed. from Boston College.

Dick’s focus since 1977 has been on the management of defined contribution plans and defined benefit plans. He is actively involved in the design, installation, and ongoing asset management of retirement plans. He represents both public and privately held corporations throughout the East Coast. He employs an extensive list of rigorous standards and practices in managing pension plans as established by the Foundation for Fiduciary Studies. Dick also advises numerous trusts and foundations in establishing Investment Policy Statements and setting up monitoring policies and practices to encompass their stated investment objectives. As an Accredited Investment Fiduciary, he is a co-fiduciary of the plans he advises. Prior to joining O/L, Dick worked at major Wall Street firms including Paine Webber and E.F. Hutton trading institutional corporate and municipal bonds. He received an AB from Kenyon College.

Erika has been working in the field of brokerage operations since 1988. She oversees client operations for the firm and is directly responsible for O/L’s commissions and accounting functions. Erika is also actively involved in training office personnel. Prior to joining O/L in 1991, Erika worked at PaineWebber.

Sharon is responsible for O/L’s retirement plan reporting functions, including performance and statistical analysis. She also manages the firm’s investment research, including Morningstar, ValueLine, and Standard & Poor’s. Before joining O/L in 1999, Sharon gained valuable experience at CIGNA Investments, Inc., Shearson Lehman Brothers, and Prudential Bache. She has been in the financial industry since 1981.

Wil oversees and manages O/L’s compliance issues, ensuring that the firm is acting in accordance with regulatory requirements, and that the firm and its employees are abiding by internal policies and procedures. In addition to being a general securities representative, Wil is a general securities principal, a registered options principal, an introducing broker/dealer financial and operations principal, and a municipal securities principal. Prior to joining O/L in 2007, Wil served as vice president, compliance officer with Infinex Investments, Inc. He received a BA in history and sociology from the University of Connecticut.