Jeffrey Wexler is a financial advisor at Wexler Financial Group with five years of industry experience. He holds Series 63 and Series 66 licenses and previously operated businesses providing document translation services under Wexler Enterprises, LLC. Prior to founding his current firm, he worked at Transamerica Financial Advisors and World Financial Group. Wexler Financial Group offers investment management, financial planning, consulting, and insurance producer services to pension plans, corporations, trusts, estates, and charitable organizations. The firm employs a client-specific process to implement asset-allocation portfolios using a range of investment tools and serves both individual and institutional clients, combining registered advisory and licensed insurance services.

Jeffrey Forsman is the principal of Forsman Financial Services and holds a Series 65 designation. He has experience in accounting and tax planning through his separate CPA practice, Jeffrey Forsman CPA Inc, which provides tax compliance and planning services for individuals and small businesses. Prior to founding his advisory firm, he worked at Huntington Tax Partners LLC and Abrams Little Gill Loberfeld PC. Forsman Financial Services is a fee-only registered investment adviser serving individuals and high-net-worth clients with wealth management and financial planning. The firm employs a combination of fundamental company analysis and modern portfolio theory, utilizing both passive and active investment vehicles, and offers discretionary and non-discretionary investment management.

John Estrella is a CFP® professional with 13 years of industry experience, currently serving as the sole advisor at Able Financial Planning, Inc. in West Brookfield, MA. He has managed his independent advisory and mortgage brokerage businesses since 2005. In addition to his advisory work, he oversees mortgage origination activities as president of Able Mortgage Inc. Able Financial Planning, Inc. provides investment advisory and financial planning services to individuals and various institutional clients, including pension plans, foundations, and corporations. The firm offers discretionary and non-discretionary portfolio management using a range of investment strategies and maintains affiliated services in insurance placement, mortgage origination, and tax preparation.

Lindsey Andrew is a financial advisor at McCurdy & Andrew Investments, LLC with three years of industry experience. She holds the Series 65 designation and has worked at McCurdy Investments since 2022. Outside of her investment career, she teaches dance at The Dance Place Studio. McCurdy & Andrew Investments is a two-advisor registered investment adviser serving individuals, businesses, IRAs, trusts, estates, and corporations. The firm offers financial planning and portfolio management, utilizing an investment process that combines fundamental analysis with asset allocation based on Modern Portfolio Theory.

Dennis McCurdy is a financial advisor at McCurdy & Andrew Investments, LLC with 37 years of industry experience. He holds the CFP® designation and Series 63 license. His prior experience includes roles at Commonwealth Financial Network and running his own practices since 1988. Outside of financial advising, McCurdy is a motivational speaker and author of two motivational books, and he co-owns an antique market business. McCurdy & Andrew Investments, LLC is a small registered investment adviser serving individuals, businesses, IRAs, trusts, estates, and corporations. The firm provides financial planning, consulting, and portfolio management, using a fundamental and asset-allocation approach based on Modern Portfolio Theory, and acts as a fiduciary for retirement account advice under ERISA/IRC rules.

Chester Mccord is a financial advisor at Founders Financial Securities LLC with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Securities America Advisors and National Planning Corporation. Outside of his advisory work, he is involved in insurance sales and tax preparation through his own firm, McCord LLC, and owns mineral rights leased for oil production. Founders Financial Securities serves a diverse client base including individual and high-net-worth investors, retirement plans, charitable organizations, and corporate clients. The firm offers a range of portfolio management and financial planning services, utilizing multiple investment programs and a combination of advisory, broker-dealer, and insurance capabilities.

Matthew Smith is a CFP® with 26 years of industry experience, currently serving as a financial advisor at Santander Securities LLC. He has worked at Santander Securities since 2014 and is also affiliated with Santander Bank, NA. In addition to his advisory role, Smith is an adjunct faculty member for the MBA program at Elms College. Santander Securities LLC provides investment advisory and related services to a diverse client base, including individual investors, corporations, charitable organizations, retirement plans, and institutional clients. The firm offers various advisory programs and integrates third-party investment managers through its FMAX managed-account platform, delivering discretionary portfolio management supported by ongoing compliance and suitability oversight.

Mitchell Mccord is a Series 66-licensed financial advisor with 11 years of industry experience, currently with Founders Financial Securities LLC since 2023. His prior roles include positions at Securities America Advisors and National Planning Corporation. Outside of his advisory work, he serves as a voting board member for a family-owned property entity in Colorado. Founders Financial Securities serves a diverse client base, including individuals, high-net-worth investors, retirement plans, and charitable organizations. The firm offers portfolio management, financial planning, and retirement consulting through various platforms and combines advisory, broker-dealer, and insurance services within its enterprise structure.

Patrick Fortunato is a financial advisor with Portfolio Medics, LLC, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. His prior roles include positions at Sequent Planning, LLC, Primerica Financial Services, Legal Shield, and Global Financial NetworX, LLC. Outside of advisory work, he is active as an insurance agent and sales representative for legal and identity theft services. Portfolio Medics is an SEC-registered advisory firm managing approximately $552.7 million for around 3,700 clients through a team of 75 advisors. The firm serves both non-high-net-worth and high-net-worth individuals, offering investment management, financial planning, and consulting services with a blend of strategic and tactical approaches across diverse model portfolios.

Kevin Manghan is a CFP® with 38 years of industry experience, currently serving at OSAIC Institutions, INC. He has held roles at Infinex Investments, Peoples Bank, Key Investment Services LLC, First Niagara Securities, and LPL Financial. OSAIC Institutions serves individuals, charitable organizations, corporations, and retirement plans, offering customized advisory and brokerage services. The firm employs a mix of fundamental and technical analysis and provides access to alternative investments and lending solutions through a network of investment adviser representatives.

Lu Ellen Guenther Smith is a financial advisor with Commonwealth Financial Network in Sturbridge, MA. She holds the ChFC® designation and Series 63 and 66 licenses, with 36 years of industry experience, including over three decades at Commonwealth. Commonwealth Financial Network is a registered investment adviser serving a national network of nearly 3,000 advisors and their clients, providing a range of advisory programs, wealth management, and retirement plan consulting. The firm supports affiliated advisors with operations, technology, compliance, and investment management, offering diverse portfolio construction options and proprietary model portfolios.

Allen Dillaire is a CFP® with 26 years of industry experience, currently serving at Commonwealth Financial Network and SG Wealth Management Group since 2019. His prior experience includes roles at Hdvest Insurance Services and H.D. Vest Advisory and Investment Services from 2010 to 2019, as well as nearly three decades at Shepherd & Goldstein LLP. Outside of advisory work, he provides tax preparation and general accounting services through his private practice in Worcester, MA. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors with a range of advisory programs and services, including wealth management and retirement plan consulting. The firm offers operational, trading, technology, compliance, and practice management support, while its Investment Management and Research team manages discretionary model portfolios and distinct program structures.

Ashley Kriner is a financial advisor at Commonwealth Financial Network with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Commonwealth since 2016, following a prior role at John Hancock Funds and John Hancock. Outside of advising, she is involved as an assistant at Sparhawk Realty, LLC, which manages real estate properties in Florida. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and operational support, including discretionary model portfolios and various program structures, while enabling advisors to customize client portfolios across multiple securities and insurance products.

Kathlene Donahue is a financial advisor at TD Private Client Wealth LLC with seven years of industry experience. She holds a Series 66 designation and previously worked at Edward Jones for four years. Before her career in financial advising, she spent over 30 years at the Telegram and Gazette Newspaper. TD Private Client Wealth LLC offers discretionary wrap-fee managed account programs and brokerage services primarily to institutional clients and high-net-worth private clients. The firm employs strategic and tactical asset allocation using a mix of affiliated and third-party sub-managers and provides portfolio management, financial planning support, and third-party custodial services.

Kevin Lewis is a financial advisor with Commonwealth Financial Network, holding a Series 65 designation and one year of industry experience. Prior to joining Commonwealth, he worked at PricewaterhouseCoopers (PwC) Advisory Services LLC from 2011 to 2024. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and support services, including discretionary model portfolios and personalized investment solutions, while enabling affiliated advisors to offer customized advice under Commonwealth’s supervision.

Brady Dow is a financial advisor at Commonwealth Financial Network with a Series 66 designation and several years of experience in wealth management, including work at Midstate Wealth Management and Commonwealth Financial Network. Prior to his advisory roles, he held various positions including employment in the food service industry and as a residence life staff member at Worcester State University. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and managing around $212.7 billion in client assets. The firm offers a broad adviser-support platform with discretionary and nondiscretionary managed-account programs, third-party asset manager access, and a range of investment options tailored to client goals and risk tolerance.

John Bernier is a CFP® with 42 years of industry experience, currently affiliated with Cambridge Investment Research Advisors since 2010. He has also been associated with Ing Financial Partners, Inc. and Cambridge Investment Research, Inc. since 2004. Outside of his advisory roles, Bernier works as an independent insurance agent for various companies. Cambridge Investment Research Advisors serves a diverse client base including individual investors, retirement plans, and charitable organizations. The firm offers financial planning, portfolio management, and retirement plan advisory through a network of independent professionals using multiple account platforms and a range of investment strategies.

Matthew Palmer is a financial advisor with LPL Financial in Auburn, MA, holding a Series 66 designation and one year of industry experience. Prior to joining LPL Financial, he worked at Bio-Techne and The Investment Center, Inc., among other roles. He is also Vice President of Palmer Hammond Inc, a tax preparation and accounting business. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a range of financial planning and investment management solutions supported by an in-house research team and a broad platform accommodating various investment strategies and client needs.

Michael Mccarthy is a financial advisor with LPL Financial in Worcester, MA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with LPL Financial since 2013 and also operates under the DBA Brookstone Wealth Management in Oxford, MA. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a range of investment solutions supported by an in-house research team and combines large-scale advisory operations with non-advisory product offerings.

Kartik Trivedi is a financial advisor at Edward Jones in Sturbridge, MA, holding a Series 66 designation with two years of industry experience. His prior roles include positions at Bank of America and New York Life Insurance. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies, affiliated mutual funds, and other financial services through a nationwide network of over 23,000 advisors.

Michael Halloran is a financial professional at Cetera with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Mercer Global Advisors and John Hancock. Halloran also operates Joyful Wealth Planning, a financial services business. Cetera Investment Advisers serves a diverse client base including individuals, high-net-worth clients, institutions, and retirement plans through a network of over 6,800 independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary services, utilizing advisor-managed accounts, model portfolios, and third-party solutions.

John Jawor is a financial advisor with LPL Financial in Sturbridge, Massachusetts, holding Series 63 and Series 65 credentials and over 30 years of industry experience. He has been with LPL Financial since 2005 and also works with Cornerstone Bank. Outside of his advisory role, he has engaged in building and selling furniture on a limited basis. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a wide range of investment solutions supported by in-house research and a large network of investment adviser representatives.

Owen Ayotte is a financial advisor at Fidelity with a Series 66 designation and less than one year of industry experience. His prior roles include positions at Sacred Heart University and work with the Boys and Girls Club. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction. The firm serves various investor types and offers discretionary and non-discretionary advisory services, model portfolios, and fund advisory.

Kevin Outland is a financial advisor with LPL Financial and Capstone Planning Group, holding Series 63 and Series 66 designations and 18 years of industry experience. He previously worked at Citizens Securities, Inc. for eight years. LPL Financial provides advisory and brokerage services to a broad client base including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a range of investment solutions supported by an in-house Research team and a large network of investment adviser representatives.

Darren Parent is a financial advisor with Edward Jones in Worcester, MA, holding Series 63, 65, and 66 licenses and bringing 26 years of industry experience. He has worked at Edward Jones since 2019 and previously held roles at Voya America Equities, Inc. and Lincoln Financial Distributors. Outside of his advisory work, Parent is a part-time ski instructor at Mount Snow Resorts in Vermont. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment strategies. The firm manages over $1 trillion in assets and operates a nationwide network of more than 23,000 advisors and 15,000 branch offices.

Gerald Johnson Jr. is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He previously worked at VOYA Financial Advisors and has been involved with Vista Financial Group since 1997. Outside of his advisory role, he operates as an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers serves a diverse client base including individual, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors. The firm offers a variety of portfolio management and financial planning services, combining retirement and fiduciary capabilities with institutional trust solutions.

Trevor Nielsen is a financial advisor at Edward Jones in Sturbridge, MA, holding ChFC® and Series 66 designations with seven years of industry experience. He has worked at Edward Jones since 2018 and previously held positions at Fastenal, R&J Lawncare, Solutionreach, and Young Living Essential Oils. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large nationwide network of advisors and branch offices.

Matthew Toedt is a financial advisor at Fidelity with 19 years of industry experience. He holds the Series 63 and Series 66 designations and has worked in various roles at Fidelity since 2006. His current roles include positions at Fidelity Personal and Workplace Advisors and Fidelity Brokerage Services LLC. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction and is noted for its registration as a commodity pool operator and advisory role to multiple registered investment companies.

John Olson is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has worked at LPL Financial since 1993 and previously spent over three decades at CIPC Systems, Inc. Olson is also the author of a financial planning book titled *Square One – Financial Planning a few Minutes at a time*, published in 2010. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a range of investment solutions supported by an in-house research team and combines large-scale advisory operations with non-advisory product offerings such as insurance and annuities.

Amy Kiley is a CFP® with 27 years of experience in the financial services industry, currently serving as an advisor at Cetera since 2023. Her prior roles include positions at VOYA Financial Advisors and True North Financial Services. She is also the owner of Joyful Wealth Planning, LLC, which provides financial services and insurance products. Cetera Investment Advisers serves a diverse client base including individual, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors. The firm offers discretionary and non-discretionary portfolio management, financial planning, fiduciary solutions, and access to third-party money managers, utilizing a range of advisor-managed and firm-sponsored investment programs.

Carl Kaliszewski is a financial advisor with LPL Financial in Oxford, MA, holding Series 63 and Series 65 credentials and bringing 48 years of industry experience. His prior roles include positions at IC Advisory Services Inc, The Investment Center Inc, Mass Mutual Investors Services, and MetLife Securities Inc. He is also a notary public. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a range of investment delivery options supported by an in-house research team and combines large-scale advisory operations with additional financial services such as insurance and cash-management products.

Jennifer Desimone is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and four years of industry experience. She has worked at LPL Financial since 2023 and has prior experience with Transamerica Financial Advisors, World Financial Group, and LaMothe & DeSimone Financial Services, where she has also been involved in tax preparation and accounting services. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a variety of investment solutions supported by an in-house research team and a broad platform that combines advisory and brokerage services.

Christopher Mallon is a financial advisor with LPL Financial in Sturbridge, MA, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. His prior roles include positions at Nuveen Investments and Dynamic Wealth Advisors. Outside of his advisory work, he owns a home-based business called Pouch Drops. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a broad range of investment solutions supported by in-house research, combining large-scale advisory operations with a variety of product and service options.

Jamie De Caire is a financial advisor at Edward Jones with a Series 66 designation and three years of industry experience. Prior to joining Edward Jones, Jamie worked for 19 years at Gaudette Insurance Agency, Inc. in Whitinsville, MA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Mark Smith is a CFP® with 36 years of experience in the financial services industry. He has worked at Cambridge Investment Research Advisors since 2019 and previously spent 10 years at Securities America Advisors, Inc. He serves as president of the Lake Road Association and is a board member of the Big Alum Lake Association. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individual investors, retirement plans, and charitable organizations through a large network of independent Financial Professionals. The firm offers financial planning, portfolio management, and retirement plan advisory services, utilizing various account platforms and both discretionary and non-discretionary investment strategies.

Joshua Farmer is a CFP® professional with 21 years of industry experience, currently serving as a financial advisor at LPL Financial since 2010. He operates under the DBA Brookstone Wealth Management and is involved in offering non-variable health insurance plans for small groups in Massachusetts. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm supports its advisors with an in-house research team and a broad range of investment delivery options, combining large-scale advisory operations with non-advisory product offerings.

James Mc Namara is a financial advisor at LPL Financial with three years of industry experience. He holds the Series 66 designation and has previously worked at Capstone Planning Group, Cornerstone Bank, Assumption University, and Westford Academy. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, banks, institutions, charities, and high-net-worth households. The firm offers a range of investment solutions supported by an in-house Research team and a large network of investment adviser representatives.

Kenneth Talentino is a financial advisor at LPL Financial with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Voya Financial Advisors, Signator Investors, and Nrt LLC. LPL Financial provides advisory and brokerage services to a diverse client base including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a range of investment solutions supported by an in-house research team and delivers services through a large network of investment adviser representatives.

Hunter Boody is a ChFC®-designated financial advisor at Edward Jones with six years of industry experience. He has been with Edward Jones since 2019 and has prior work experience in firms including Idaptive, Centrify, A+ Staffing, NuSkin, and Brigham Young University. Outside of his advisory role, he manages vacation rentals in Salt Lake City, UT. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory services including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets across a nationwide network of advisors.

Dennis Antonopoulos is a financial advisor with Edward Jones in Auburn, MA, holding a Series 66 designation and bringing 11 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment solutions, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Joseph Szela Jr. is a financial advisor with LPL Financial, holding a Series 66 designation and 14 years of industry experience. He has worked at LPL Financial since 2011 and previously at Paul E. Daoust & Company, P.C. from 1998 to 2019. Outside of his advisory role, he is involved in public accounting through his ownership of Joseph J. Szela & Associates, P.C. LPL Financial provides advisory and brokerage services to a diverse client base including individuals, retirement plan sponsors, and institutions. The firm offers a range of investment solutions supported by an in-house research team and delivers services through a large network of investment adviser representatives.

Courtney Boudreau is a financial advisor at Ameriprise Financial Services based in Holland, MA. She holds a Series 66 designation and is part of a large institution with over 12,700 advisors. Ameriprise Financial Services serves both individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which focuses on written recommendations and ongoing advice related to income sources and tax-aware withdrawal strategies.

Daniel Caissie is a financial advisor at LPL Financial with four years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including Palmer Hammond Financial and The Investment Center, Inc. Outside of his advisory role, he is involved in tax preparation and accounting services through Palmer Hammond Tax Services. LPL Financial provides advisory and brokerage services to a diverse client base including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a range of investment solutions supported by an in-house research team and a large network of investment adviser representatives.

Thomas Valentine Jr. is a financial advisor with Mass Mutual Investors Services in Worcester, MA, holding a Series 63 designation and 17 years of industry experience. His career includes roles at Cambridge Investment Research, Inc., Mass Mutual Life Insurance Company, and MML Investors Services. He is also involved in life insurance sales. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations.

Bryan Greenleaf is a financial advisor with Mass Mutual Investors Services and holds the Series 66 designation. He has eight years of industry experience, having worked previously with UBS Financial Services and St. Germain Securities. His current tenure at Mass Mutual Investors Services began in 2018, with a brief interval before returning in 2024. MassMutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser, serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, emphasizing collaborative, goal-focused engagements supported by firm-approved software tools.

Cara Holland is a financial advisor with Edward Jones in Charlton, MA, holding a Series 66 designation and three years of industry experience. She has been with Edward Jones since 2022. Outside of her advisory role, she serves as Vice President of the Charlton Business Alliance, where she helps organize community events and manage communications. Edward Jones is a full-service wealth management firm serving individual and institutional clients through a nationwide network of advisors. The firm offers a range of investment strategies and advisory services, including discretionary and non-discretionary wrap fee programs, tax-efficient services, and operates under a fiduciary standard.

James Thompson is a ChFC® designated financial advisor with over 22 years of experience at MWA Financial Services, Inc., where he has worked since 2004. He also has long-standing roles with Modern Woodmen of America and O'Connor & Co Ins Agency, dating back to 1999. MWA Financial Services, Inc. provides investment advisory and financial planning services to individuals, trusts, corporations, and small businesses. The firm offers both adviser-managed and third-party managed accounts, typically delivering non-discretionary portfolio management supported by fundamental, technical, and charting analyses.