Kari Phillips is a Series 66-licensed financial advisor with Raymond James Financial in Burlington, VT, and has 20 years of industry experience. She has held roles at multiple firms including Raymond James Financial and Hickok & Boardman Capital Management, where she is also employed in a support capacity. Phillips is connected to the Hickok & Boardman Capital Management Charitable Endowment Fund. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, institutions, and charitable organizations. The firm provides tailored, non-discretionary advice supported by analytical tools and maintains unique affiliations such as a municipal advisor and specialized retirement plan consulting.

Erin Tress is a CFP® with five years of industry experience, currently affiliated with LPL Financial. Her prior experience includes roles at Park Avenue Securities, Guardian Life Insurance Company, Concord Wealth Management, and Echo Global Logistics. Outside of her advisory work, she volunteers with a local income tax assistance program and serves as a board member for a condominium association in South Burlington, VT. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm provides a range of advisory and brokerage services, including financial planning, retirement plan consulting, and model portfolio management, supported by research and multiple investment approaches.

Brian Lowry is a CFP® with nine years of industry experience, currently serving as an advisor at Raymond James Financial in Burlington, VT. His prior experience includes roles at Crestwood Advisors and Raymond James entities dating back to 2016. He is a finance and investment committee member for the Burlington Country Club and serves on the board and finance committee for the Greater Burlington YMCA. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and nonprofits. The firm provides tailored, non-discretionary planning and consulting, utilizing risk profiling and modeling tools, and supports municipal and public finance work through a unique municipal advisor affiliation.

Nicholas Fukuda is a financial advisor with Morgan Stanley in Colchester, VT, holding a Series 66 designation and seven years of industry experience. His work history includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, MML Investors Services, and MassMutual. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured discovery processes and firm-approved planning tools to support clients in developing financial plans.

Kevin Baranello is a financial advisor at Mass Mutual Investors Services with one year of industry experience and holds a Series 66 designation. His work background includes roles at Foam Brewers and Signal Kitchen prior to joining Mass Mutual. Outside of financial advising, he provides dog sitting services and works as a bartender. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars.

Daniel Garza is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials. He has been with LPL Financial since 2026 and has previously worked at Thrivent Investment Management Inc. Outside of his financial career, he was involved with Younglife Youth Group for four years and worked in athletics marketing at Texas Christian University. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing a range of model portfolios and research resources.

Julie Braun is a financial advisor with Morgan Stanley in Colchester, Vermont, holding a Series 66 designation and 18 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of her advisory role, she owns an agricultural business involving the care and management of horses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning that utilizes firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers a broad range of retail and institutional services.

Joseph Malboeuf is a financial advisor with LPL Financial in Colchester, VT, holding Series 63 and Series 66 credentials and bringing 22 years of industry experience. He previously worked at Lincoln Financial Securities Corporation for five years before joining LPL Financial in 2018. Outside of his advisory role, he is a business owner of Stynkbox, a non-investment-related venture. LPL Financial is a national SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and corporations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from multiple sources along with various technology-driven investment solutions.

William Harrison is a financial advisor at LPL Financial in Plattsburgh, NY, with 14 years of industry experience. He holds Series 66, Series 65, and Series 63 licenses and has previously worked at firms including Ameriprise Financial Services, MassMutual, and Merrill. Outside of his advisory role, he is involved with NIHOA in a non-investment capacity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and technology-driven strategies.

Anastasia Surmava is a financial advisor with Mass Mutual Investors Services in Burlington, VT, holding a Series 66 credential and five years of industry experience. She has been with Mass Mutual Investors Services and MassMutual Life Insurance Co since 2021. Outside of her advisory work, she is co-founder and U.S. principal of Advanz Pay, a financial technology company focused on earned wage access solutions for HR companies in government and healthcare sectors. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, emphasizing collaborative, annual client relationships and event-driven planning services.

Benjamin Harris is a financial advisor with Ameriprise in Burlington, VT, holding a Series 66 designation and two years of industry experience. His prior roles include positions at ARIS Solutions, Baystate Financial, and Saint Michael's College. He also has experience outside finance, including work with Zero Gravity Craft Brewery. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide written recommendations. The firm delivers advisory, brokerage, and insurance solutions through affiliated entities, with a focus on managed accounts and algorithmic automation in its retirement planning approach.

Max Rooney is a CFP® and ChFC® credentialed financial advisor with 17 years of industry experience. He is currently affiliated with LPL Financial and Wilmington Trust, where he serves as a Senior Wealth Advisor. His prior experience includes roles at People's United Advisors, Fidelity Investments, and TIAA-CREF. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing both discretionary and non-discretionary management approaches supported by extensive research and model portfolios.

Chris O'Brien is a financial advisor with Wells Fargo Clearing, holding the ChFC® designation and Series 66 license, and has 22 years of industry experience. He previously worked at UBS Financial Services Inc. for 12 years before joining Wells Fargo Clearing in 2020. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates a range of financial products, including insurance-related vehicles and bank deposit sweep options, with both non-discretionary and discretionary service offerings.

Jason Mcfaul is a financial advisor with MassMutual Investors Services who holds Series 63 and Series 65 licenses and has 19 years of industry experience. He has worked at MassMutual Investors Services and MassMutual Life Insurance Company since 2019 and was previously with Equity Services, Inc. for 12 years. In addition to his advisory role, he is an insurance agent specializing in individual life insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning and offers asset management, wrap and money-manager programs, and educational seminars.

Joseph Dieterle IV is a financial advisor at UBS Financial Services with six years of industry experience. He holds a Series 66 designation and has worked at UBS since 2020. Prior to his advisory role, he was involved with Hayden and Bros Home Maintenance for three years. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor solutions to clients’ goals.

Thomas Kazak is a financial advisor at Cambridge Investment Research Advisors with 50 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Cambridge since 2011. In addition to his advisory role, he has worked as an independent insurance agent since 1978. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing various portfolio management strategies and platform arrangements.

Suzanne Shepard is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 designations and 29 years of industry experience. She has worked 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 range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and offers planning services that utilize structured discovery processes and analytical tools such as Monte Carlo simulations.

David Maher is a CFP® professional with 19 years of industry experience, currently with Wells Fargo Advisors since 2019. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors, LLC. He is also a 50% owner of Briadoly Maher Wealth Management Group, LLC, operating as Backshore Wealth Management Group in Williston, VT, and serves as a trustee for Briadoly Maher 401K. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutions. The firm offers a broad planning menu, including niche services, using proprietary research and planning tools, with advisory and brokerage implementation options tailored to client needs.

Timothy Peyko is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with Cetera since 2013 and is also a partner at Castle Advisors, a financial services firm. Additionally, he founded and serves as chairman of Strategic Benefits Group, which focuses on group insurance and employee benefits. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various investment programs and access to third-party managers, managing over $256 billion in assets through a nationwide network of more than 10,000 advisors.

Richard Kowalski is a financial advisor with Raymond James & Associates in Burlington, VT, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He worked at Merrill for 27 years before joining Raymond James in 2016. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary services.