Our Team

Our mission is to provide value to our clients through the intelligent use of our tools and experience in investments, advisory services, and retirement planning. We maintain an environment that encourages and supports personal and organizational growth and professionalism, where self-motivated people can be passionate about exercising their roles and responsibilities.

We keep our clients' interests foremost in our minds and actions. Clients are treated with respect and dignity through courteous and comprehensive service. Every member of this organization knows his or her role and how he or she contributes to building effective professional relationships with our valued clients and plan sponsors.

Terrence S. Cahill

Financial Advisor

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Terrence (Terry) Cahill founded Cahill & Associates Financial Services, LLC. He has more than 55 years of experience in the financial planning and insurance industry. He has seen the company grow from a start-up company in the late 1970s to a growing business with relationships lasting more than 30 years. Terry takes great pride in the assistance he has been able to provide to his many clients over the years in building and managing their retirement assets. Terry remains active in the business and holds the FINRA general securities representative and general securities principal registrations. Terry enjoys being an active participant in community affairs and is an active member of several finance committees for nonprofit organizations.

William Cahill, CFP®, CFS®

Financial Advisor and Registered Principal

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Bill Cahill joined Terry at Cahill & Associates in April 1991, focusing on employer plan sponsor relationships through Aetna Financial Services. As the capabilities of the broker/dealer improved, the practice transitioned toward investment management and needs-based financial planning, which remain the focus today. Bill takes pride in maintaining a long-term, goal-oriented focus with his clients.

A 1988 graduate of Fairfield University with a BS in finance, Bill earned his credentials as a CERTIFIED FINANCIAL PLANNER^TM professional in 1995. Bill has held registrations since 1986 and currently holds the FINRA Series 7, 24, 63, and 65 securities registrations. He is an active member of the Financial Planning Association® (FPA®) and the Investments & Wealth Institute®. A lifelong Connecticut resident, he resides in Cromwell with his wife, Theresa, and their five children. Bill loves the outdoors and enjoys running, biking, hiking, travel, photography, and staying active with the kids. He remains an avid fan of the Boston Red Sox and the UConn Huskies.

Theresa L. Cahill, AIF®

Financial Advisor

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Theresa joined Cahill & Associates in 2011 and currently works as a financial advisor. As a wife, mother, sister, daughter, and advisor, she understands the complexities and challenges of life. She is dedicated to providing her clients with a high level of service, committed to building strong relationships and making the process of achieving short and long-term financial goals attainable. Theresa's focus is to diligently work together with you, as part of your team, to reach your financial goals.

Previous careers as a chemist and registered dietitian have affirmed Theresa's belief that excellent communication with reliable, trusted, and knowledgeable resources is critical to success. Theresa is convinced that continued education helps to ensure long-term success.

Theresa has a BS from Siena College with a major in chemistry and completed the CUP program at the University of Connecticut in dietetics.

She holds the FINRA Series 6, 7, 63 and 65 securities registrations through Commonwealth Financial Network^® as well as life, health, and variable annuity licenses. She has also attained the Accredited Investment Fiduciary^® (AIF^®) designation. A native of New York, Theresa lives in Connecticut with her husband, Bill and their five children. Theresa enjoys spending time with her family, scrapbooking, biking, photography, and traveling. She is a regular volunteer in the schools her children attend and finds much reward in helping others.

Andrew C. Bauer, CFP®, CFS®

Wealth Manager

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Andrew C. Bauer has served as a wealth manager with Cahill & Associates since April 2015. With advisory experience in Connecticut since 1995, Andy has been focused on providing strategic wealth planning and investment strategies to individuals as well as institutions. He is passionate about partnering with clients and creating a clear path towards the realization of their goals. One of the objectives he strives for is helping clients maintain their lifestyles throughout their retirement years.

Andy graduated from the University of Colorado in 1991 with a BA in international affairs. He holds the FINRA Series 7, 63, and 65 securities registrations through Commonwealth Financial Network®, as well as life, health, and variable annuities licenses. He has earned and maintains the CERTIFIED FINANCIAL PLANNER™ (CFP^®) designation and Certified Fund Specialist^® (CFS^®) designation.

Andy grew up in Connecticut and now lives just over the border in Longmeadow, Massachusetts, with his wife, two children, and Harley, the family dog. He enjoys mountain biking, skiing, and spending time with his family.

Carl J. Cieplinski, CRPC®

Financial Advisor

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Carl Cieplinski, who joined Cahill & Associates in September 2016, has been in the financial services industry for nearly 20 years. Carl is passionate about developing strategies to help his clients enjoy a dignified and independent retirement, and his focus on long-term relationships fits the Cahill & Associates tradition. Carl also works with his clients in maximizing social security benefits as part of their long-term financial planning process.

He holds the FINRA Series 7, 63, and 65 securities registrations, as well as life, health, and variable annuity licenses. Carl maintains the Chartered Retirement Planning Counselor^® (CRPC^®) designation. He graduated from Assumption College with a BA in accounting.

Carl and his wife reside in Connecticut with their two daughters. His hobbies include golfing, biking, hiking, and spending time with his family. A native of Massachusetts, Carl is an avid Red Sox and Patriots fan.

Melissa Hicks

Financial Advisor

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Melissa Hicks started with Cahill and Associates July of 2020. With over 10 years of experience in the financial services industry, Melissa strives to educate, empower and enrich her clients. She is dedicated to providing quality service and building long-lasting relationships. Melissa's focus is to work together to assist in reaching your financial goals.

Melissa holds the FINRA Series 6, 7, 63, and 65 securities registrations through Commonwealth Financial Network^®,as well as the life and variable annuity license. She graduated from Central Connecticut State University with a BA in marketing. Melissa and her husband reside in CT with their 3 daughters. She enjoys spending time with her family, reading and traveling.

Richard P. Coleman

Client Relationship Manager

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Dick Coleman has been with Cahill & Associates since 1998. He serves as a client relationship manager with a focus on the health care and government markets. His financial services experience dates back more than 50 years, including back-office operations management for nearly 25 years and several years in sales management, where his team was a consistent top performer nationwide. His primary role at Cahill & Associates involves the education and ongoing service of our firm’s clients. Dick takes pride in helping others plan for an independent retirement. He and his wife, Maggie, are lifelong Connecticut residents and have two children and two grandchildren. He is an avid New York Yankees fan. Other hobbies include walking, biking, boating, camping, and nostalgia automobile racing. Dick has also volunteered his time at various Connecticut correctional facilities.

Roslyn Scheid

Client Relationship Manager

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Roslyn started with Cahill & Associates in 1987. She took a “brief 12-year sabbatical” away from the company, yet still within the financial industry, and is back home at Cahill & Associates. Roslyn has a Bachelor of Science in Finance from the University of CT and FINRA Series 6 & 63 registrations. Roslyn’s extensive industry experience includes managing a bank branch, providing excellent service to the Sponsors and Participants of employer-sponsored retirement plans as well as with individual investors. Her goal has been, and always will be, to happily provide clients with the tools and information they need to work toward a more secure financial future... and to do it with a smile! Roslyn grew up and lives in Connecticut with her husband and 3 children. She enjoys traveling (preferably near an ocean, lake or river), boating, cooking, reading, smiling and laughing (all of these especially when with her family and/or friends).