Joshua Farmer is a financial advisor with LPL Financial in Oxford, MA, holding the CFP® designation and Series 63 and 65 licenses. He has 22 years of industry experience, including 16 years with LPL Financial. In addition to his advisory role, he is involved in health insurance plans for small groups licensed in Massachusetts. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management approaches supported by research and model portfolios.

Nathan Lucier is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2015. He has been with Fidelity Investments since 2001, progressing through various roles including Financial Consultant, Investment Consultant, Manager of Retirement Investment Services, and Retirement Investment Representative. Prior to joining Fidelity, he worked as a Financial Planner at Prudential from 2000 to 2001. With 25 years of experience in financial services, Nathan collaborates with clients to understand their needs and aspirations, focusing on building tailored financial plans that protect and grow their wealth. He aims to be a primary financial partner to his clients and their families, working closely with them to develop appropriate strategies. No information regarding Nathan's education, credentials, personal interests, or community involvement was provided.

John Cooney is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and bringing 21 years of industry experience. He has been with Cambridge Investment Research Advisors and its affiliated entities since 2010. Outside of advising, he is also an independent insurance agent and serves as treasurer for Cooney Capital Advisors. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing a variety of portfolio management approaches and custody arrangements tailored to client objectives.

Ellen Peloquin is a financial advisor at Fidelity with 27 years of industry experience. She holds Series 63 and Series 66 licenses and has worked with various divisions of Fidelity since 2012. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including model portfolio construction using proprietary research and quantitative analysis, with oversight of affiliated and unaffiliated sub-advisers.

Karen Maloney Hagel is a financial advisor at Ameriprise with 21 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005 and holds a Series 66 designation. Outside of her advisory role, she is president of Fantabulous LLC, a leadership and management consulting business, and serves on the finance committee of the Pakachoag Music School Board. Ameriprise offers retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies to provide tailored recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Daniel Martin is a financial advisor with Raymond James & Associates, holding a Series 66 designation and one year of industry experience. Prior to his current role, he was involved with the Seven Hills Foundation for two years. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and municipal advisory services through a variety of portfolio management styles and affiliated research.

Kenneth Wood is a financial advisor with LPL Financial in Worcester, MA, holding Series 63 and Series 66 designations and 39 years of industry experience. Prior to joining LPL Financial in 2021, he worked at Voya Financial Advisors for five years. Outside of his advisory work, he is involved with East Coast Turf Products, Inc., a business unrelated to investments. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide 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, model portfolios, and technology-driven solutions.

Jennifer Guadiz is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 26 years of industry experience. She has worked at Wells Fargo Clearing since 2016, following six years at Wells Fargo Advisors LLC. Jennifer serves as a trustee of her spouse's trust. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Richard Shaw is a financial advisor at Cetera with 39 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining Cetera, Shaw worked at Investors Capital Corporation and has operated Advanced Financial Group since 2003. He serves as an elected member of the West Boylston School Committee. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of investment management and advisory services through a nationwide network of independent advisors.

James Mc Namara is a Series 66-credentialed financial advisor with four years of industry experience. He currently works at LPL Financial and has previously been affiliated with Capstone Planning Group, Cornerstone Bank, and held roles in educational institutions including Assumption University and Westford Academy. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of financial planning and advisory programs, offering both discretionary and non-discretionary management supported by in-house and third-party research.

Kenneth Talentino is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. His prior roles include positions at Voya Financial Advisors, Inc., Signator Investors, Inc., and NRT LLC. Kenneth is based in Sturbridge, Massachusetts. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs and financial planning services, utilizing both discretionary and non-discretionary management approaches supported by LPL Research and third-party subadvisors.

Aditya Tibrewal is a Senior Financial Advisor with Merrill Lynch Wealth Management, providing personalized investment advice and guidance tailored to clients' life goals, risk tolerance, and financial needs. He joined Merrill in 2020 and has been in the financial services industry since 2005. Adi's experience spans corporate benefit programs, including equity compensation and various retirement plans, as well as expertise in real estate, private equity, portfolio management, financial analysis, and corporate strategy. He offers specialized services in areas such as college education planning, executive compensation, family wealth management, international wealth management, and retirement planning. Adi holds a Bachelor's Degree from the University of Rajasthan and an MBA in Finance from Clark University. He also earned an Executive Leadership diploma from the Wharton School at the University of Pennsylvania and holds FINRA Series 7 and Series 66 registrations. He is actively involved in the community, serving as a Board member for the Worcester State University Foundation and participating in organizations such as TiE Boston and Mechanics Hall in Worcester.

Samuel Kenary is a Series 66 licensed financial advisor with Morgan Stanley in Worcester, MA, with 16 years of industry experience. He has been affiliated with Morgan Stanley Smith Barney, Inc. since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves individual and institutional clients by providing a variety of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by the Global Investment Committee’s return estimates and Monte Carlo simulations.

Jason Camuti is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley Private Bank, N.A. from 2015 to 2024. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options, than is typical for large institutional 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.

Raymond Beattie III is a Series 66-licensed financial advisor with 17 years of industry experience. He is currently with LPL Financial and has previously worked at several Transamerica entities and Diversified Investors Securities Corp. Raymond is based in Worcester, MA. LPL Financial is a national SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research, model portfolios, and various management strategies.

Chris Walkiewicz is currently a Branch Leader at Fidelity Investments, a position he has held since 2023. Prior to this role, he served as ISR Leader at Fidelity Investments from 2022 to 2023, and before that, he was a Regional Sales Manager at Citizens Investment Services from 2019 to 2022. His professional experience reflects significant leadership roles within the financial services industry. Chris emphasizes building strong, lasting relationships in his work, focusing on accessibility, transparency, and proactive communication. He employs a thoughtful and personalized process aimed at simplifying complex financial matters and empowering clients to make confident, informed decisions. Outside of his professional responsibilities, Chris enjoys social events with friends and has interests in golf, running, and skiing.

Joseph Szela Jr. is a financial advisor with LPL Financial in Charlton, MA, holding a Series 66 designation and 14 years of industry experience. He has been with LPL Financial since 2011 and previously worked at Paul E. Daoust & Company, P.C. from 1998 to 2019. Outside of his advisory role, he is involved in public accounting through his firm, Joseph J. Szela & Associates, P.C., and has experience in payroll processing with Your Pay Solutions, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, corporations, and charitable organizations through a large national network. The firm offers a range of advisory programs, financial planning services, and portfolio management options that include model portfolios, third-party research, and various investment strategies.

Courtney Boudreau is a financial advisor with Ameriprise in Holland, MA. She holds a Series 66 designation and has experience spanning positions at Ameriprise and Fidelity Co-Operative Bank. Outside of finance, she has worked in community television and photography. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides tailored retirement income planning through a centralized team collaborating with advisors.

Daniel Caissie is a financial advisor with LPL Financial based in Auburn, MA. He holds Series 63 and Series 66 licenses and has five years of industry experience. His prior experience includes roles at The Investment Center, Inc., Palmer Hammond Financial, and Northwestern Mutual. Outside of advising, he is involved in tax preparation and accounting through Palmer Hammond Tax Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services supported by both discretionary and non-discretionary management and access to model portfolios and third-party research.