Amy Kiley is a CFP® and ChFC® with 27 years of experience in the financial services industry. She has worked at Cetera and its affiliated entities since 2019 and previously held roles at Voya Financial Advisors and True North Financial Services. Kiley is also the owner of Joyful Wealth Planning, LLC, a firm involved in the sale and service of insurance, securities, and investment products. Cetera Investment Advisers LLC distributes services through a nationwide network of independent advisors, serving a range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers portfolio management, financial planning, and access to third-party managers within a multi-manager platform.

Marie Paturzo is a Wealth Management Advisor at Merrill Lynch Wealth Management, specializing in serving accomplished business owners, entrepreneurs, C-suite executives, medical professionals, and wealthy families. She began her career in 2000 at Bank of America, advancing from teller to branch manager by age 22, then to business specialist and sales trainer, eventually managing three branches before focusing on financial advising. Marie collaborates with colleagues Matt Shiely and Akash Garg to provide comprehensive wealth management services. She emphasizes building meaningful client relationships by understanding their financial pictures from their perspectives and addressing both assets and liabilities to support multi-generational wealth planning. She holds a Bachelor's Degree from Framingham State College and holds professional designations including Certified Divorce Financial Analyst (CDFA), CERTIFIED FINANCIAL PLANNER (CFP), and Personal Investment Advisor (PIA). Marie is active in her community, serving as Chair of the Website and Social Media Committee for The Hopkinton Women's Club and volunteering with organizations such as the American Red Cross, Alzheimer's Association, Central Mass Conference for Women, Project New Hope, and Worcester County Food Bank. She resides in Whitinsville, Massachusetts, with her husband and two children.

Nicole Terrio Walsh is a financial advisor with Fidelity, holding a Series 66 designation and three years of industry experience. Prior to joining Fidelity, she worked at Morgan Stanley Smith Barney LLC for three years and operated her own practice for over a decade. She is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm uses a systematic investment process combining proprietary research, quantitative analysis, and algorithmic portfolio construction.

Kerri Melley is a financial advisor at Mass Mutual Investors Services with 21 years of industry experience. She holds a Series 66 designation and has worked at Mass Mutual Investors Services and Mass Mutual Life Insurance Company since 2015. In addition to her advising role, she is an insurance broker specializing in individual and group life and health insurance. 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 programs, with financial planning structured as annual collaborative engagements using firm-approved analytical tools.

Thomas Carroll is a financial professional with Cetera and holds a Series 66 designation. He has two years of industry experience and has worked at firms including J.P. Morgan Securities LLC and Lincoln Financial Group. Carroll is also president of Small Business Insurance Agency, Inc., where he markets and sells fixed annuity products. Cetera Investment Advisers LLC operates a multi-manager platform serving a broad client base that includes individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, with access to affiliated and third-party managers through various program structures.

Brian Carroll is a financial advisor at Cetera with 40 years of industry experience. He holds the ChFC® designation and Series 63 license. Carroll has held leadership roles in various businesses, including serving as president of Sterlingbridge Insurance Agency, LLC and as owner and CEO of PivotAI, an AI technology solutions firm. He also serves as an elected board member of a condominium association. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a nationwide network of independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, operating over $256 billion in assets through more than 10,000 advisors.

Christina LaFortune serves as a Senior Financial Advisor at Merrill Lynch Wealth Management in Worcester, Massachusetts. She has been with the firm since 2011, providing financial guidance to a range of clients including executives, business owners, non-profit organizations, and families. She co-leads The Smith-LaFortune Group, focusing on personalized financial strategies that address investment management, retirement planning, insurance solutions, and banking services. Christina holds several professional designations including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned a Bachelor of Science in Cellular and Molecular Biology from Westfield State College and a Master of Business Administration in Accounting from Fitchburg State University. She is a member of The National Association of Plan Advisors (NAPA) and supports the Worcester County Food Bank. Residing in Sturbridge, Massachusetts, Christina balances her professional career with personal interests such as boating, camping, cooking, gardening, hiking, pottery, traveling, yoga, and spending time with her family.

Michael Lemay is a financial advisor at LPL Financial in Worcester, MA, with 18 years of industry experience and a Series 66 designation. His prior roles include positions at Private Wealth Management Group, LLC, and Couture Wealth Management. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and services, including financial planning, retirement plan consulting, and brokerage services, utilizing model portfolios and research from internal and third-party sources.

Timothy Howard is a financial advisor with Edward Jones in Holden, MA. He holds a Series 66 designation and has one year of experience in the industry. Prior to joining Edward Jones, he worked at Bunzl Distribution, HT Berry, and WB Mason. 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 wide range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Carl Kaliszewski is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 48 years of industry experience. His prior firms include Ic Advisory Services Inc, The Investment Center Inc, Mass Mutual Investors Services, and MetLife Securities Inc. He also serves as a notary. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

David Li is a financial advisor at Wells Fargo Clearing with 34 years of industry experience. He holds the Series 63 and Series 65 licenses and has worked at Morgan Stanley and its affiliated private bank from 2013 to 2024 before joining Wells Fargo Clearing. Outside of his advisory role, he owns an eight-unit residential rental property in St. Augustine, Florida. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Zachary Bombard is a financial advisor with LPL Financial in Worcester, MA, holding Series 63 and Series 65 credentials and bringing nine years of industry experience. He has been with LPL Financial since 2019, following prior roles at Voya Financial Advisors and Voya Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and corporations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Thomas Clinton is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and 27 years of industry experience. His prior roles include positions at Grove Point Investments, Grove Point Advisors, and H. Beck, Inc. He is involved in Couture Financial Services, a DBA related to his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by in-house and third-party research.

Michael Bramley is a financial advisor at LPL Enterprise with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Prudential Insurance Company of America and Pruco Securities, LLC since 2015 before joining LPL Enterprise in 2024. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, and access to model wealth portfolios and third-party asset management, delivering investment advice primarily through its network of investment adviser representatives using a combination of proprietary and third-party resources.

Elisa Chan is a financial advisor with Cambridge Investment Research Advisors who holds Series 63 and Series 66 credentials and has 16 years of industry experience. Her work history includes roles at Cambridge Investment Research, Dream Big Financial, Chan And Dahrooge Financial Group, Eagle Strategies, and New York Life Insurance Company. She is also a notary public. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts by providing financial planning, investment management, and retirement plan advisory services. The firm supports both discretionary and non-discretionary investment strategies through various platform arrangements and offers proprietary and third-party model strategies.

Akash Garg is a Wealth Management Advisor with Merrill Lynch Wealth Management. He brings a personal understanding of financial planning, having begun investing at a young age and developed a long-standing commitment to helping clients articulate and pursue their financial goals. Akash supports a range of client needs including executive and equity compensation, family wealth management, legacy and philanthropic planning, tax minimization, and socially responsible investing strategies. A second-generation financial advisor, Akash holds a Bachelor's Degree from Bentley University and carries several professional designations, including Certified Financial Planner (CFP), Certified Exit Planning Advisor (CEPA), and Personal Investment Advisor (PIA). He is fluent in English, Spanish, and Hindi and participates in professional and community organizations such as Mechanics Hall. Outside of his professional role, Akash enjoys spending time with family and friends in the greater Worcester area. His personal interests include volleyball, baseball, basketball, cooking, gardening, music, painting, photography, and watching movies. He is also engaged in community volunteer activities focused on promoting financial literacy.

Jennifer Desimone is a financial advisor at LPL Financial with four years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Transamerica Financial Advisors and World Financial Group. In addition to her advisory role, she is involved with LaMothe & DeSimone Financial Services, Inc., which provides tax preparation and accounting services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers comprehensive financial planning, various advisory programs, and retirement consulting, supported by research and model portfolios from LPL Research and third-party subadvisors.

Michael Martin is a financial advisor with Raymond James & Associates in Worcester, MA, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has been with Raymond James since 2015. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipalities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Daniel Girard Jr. is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 registrations and bringing 25 years of industry experience. He has been with Cambridge since 2013. Outside of his advisory role, he serves as a board member for both the Society of Financial Service Professionals, Worcester Chapter, and the NAIFA Foundation. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts by providing financial planning, investment management, and retirement plan advisory services. The firm offers customizable investment solutions through a network of independent Financial Professionals, employing a range of portfolio management strategies across various platform arrangements.

Timothy Harrington is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 30 years of industry experience. His prior roles include positions at Avantax Investment Services and 1st Global Advisors. In addition to his advisory work, he owns and supervises an accounting and tax preparation business serving small businesses and individuals. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. It offers a multi-manager platform with a range of portfolio management and financial planning services delivered through a nationwide network of over 10,000 advisors.