Daniel Ball is a financial advisor with Commonwealth Financial Network in Waltham, MA, holding the ChFC® designation and Series 63 and 65 licenses. He has 39 years of industry experience and has worked at Ball Financial Services and Commonwealth Equity Services, Inc. since 1987. Outside of his advisory role, he is a corporator for Avidia Bank and co-owner of private entities involved in commercial real estate management. Commonwealth Financial Network serves a national network of approximately 2,950 advisors, providing advisory programs, wealth management, and retirement plan consulting. The firm supports affiliated advisors with operations, trading, technology, compliance, and practice-management services, while offering a range of investment programs including discretionary model portfolios and personalized indexing options.

Robert Hoey is a financial advisor with Commonwealth Financial Network in Worcester, MA. He holds the CFP® designation and has 37 years of industry experience. Hoey has led Hoey Wealth Management since 1999 and previously worked at Marsh Kemp Insurance for over three decades. Outside of his advisory work, he serves as a football coach at Auburn High School. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser supporting a national network of nearly 2,900 advisors and managing over $212 billion in client assets. The firm offers a broad range of managed-account programs, access to third-party asset managers, and comprehensive back-office services including trading and reporting.

Margaret Benison is a financial advisor with Commonwealth Financial Network in Shrewsbury, MA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. She has operated Benison Financial Services since 1998 and is also affiliated with Commonwealth Equity Services, Inc. She is involved in fixed insurance sales through her DBA, Benison Financial Services. Commonwealth Financial Network serves a national network of approximately 2,950 advisors, providing advisory programs and support including wealth management, retirement plan consulting, and access to third-party asset managers. The firm offers a range of program structures and model portfolios, supporting advisors with operations, trading, technology, compliance, and practice management.

Martin Michaud is a financial advisor with Eagle Strategies (NY Life) based in Westborough, MA, holding Series 63 and Series 65 credentials and over 20 years of industry experience. He has worked at multiple firms including New York Life Insurance Co., Citizens Securities, Inc., and currently operates Michaud Wealth Strategies, LLC. Outside of his advisory role, Michaud serves as the President of the BNI Genesis Chapter and is an ordained minister through the Universal Life Church. Eagle Strategies serves a broad client base including individual and institutional investors, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored advice delivered through various program types, with a significant portion of its assets managed on a non-discretionary basis and a focus on fiduciary responsibilities under applicable regulatory standards.

Paul Verderese is a CFP® professional affiliated with Commonwealth Financial Network, with 43 years of industry experience. He has operated Verderese Financial since 2008 alongside his role at Commonwealth. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing over $212 billion in client assets. The firm provides a broad adviser-support platform including managed account programs, access to third-party asset managers, and custody/clearing services.

Kevin O'Brien is a CFP® with 38 years of industry experience, currently affiliated with Wealth Enhancement Advisory Services, LLC. His prior experience includes roles at Triad Advisors, Inc., Peak Financial Services, Inc., and Commonwealth Financial Network. He is also an author of investment-related content under the name Biotech Boom. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets through a large network of advisors and employs a diversified investment process combining passive and active strategies overseen by an internal Investment Committee.

Joshua Boen is a financial advisor with Commonwealth Financial Network in Worcester, MA, holding Series 63 and Series 66 registrations with four years of industry experience. His work history includes positions at National Financial Services, Fidelity Investments, and TDAmeritrade. Outside of finance, he has experience working in the food service industry with Wise Guys Pizza and Domino's Pizza. 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 over $212 billion in client assets. The firm offers a range of advisory support services including managed-account programs, access to third-party asset managers, and custody and clearing services.

Sunshine Marsh is a Series 66-licensed financial advisor at Commonwealth Financial Network with two years of industry experience. Prior to rejoining Commonwealth in 2025, Marsh worked at Bartholomew & Company, Inc. from 2019 to 2025 and at Newton Financial from 2008 to 2019. 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 offers a range of advisory programs and services, including wealth management and retirement plan consulting, and provides operational, trading, technology, and compliance support to affiliated advisors.

Charles Downey is a financial advisor with Centaurus Financial, Inc. He holds a Series 66 designation and has 25 years of industry experience. Prior to joining Centaurus in 2018, he worked at Lincoln Financial Advisors Corp for 14 years. Outside of his advisory role, he serves as president of Downey Insurance Agency, Inc., a retail insurance business he has been involved with since 1997. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management, retirement-plan consulting, and specialized advisory services using a combination of fundamental, technical, and model overlay strategies.

Nelson Ball is a ChFC®-designated financial advisor with 58 years of industry experience. He is currently affiliated with Commonwealth Financial Network and has worked with Commonwealth Equity Services, Inc. since 1985. Outside of his advisory role, he is a member and partial owner of an entity created to own a branch office building. Commonwealth Financial Network serves a national network of nearly 2,900 advisors and manages approximately $212.7 billion in client assets. The firm offers a broad range of advisory support services, including managed-account programs, access to third-party asset managers, and custody and clearing services.

Jeffrey Katz is a financial advisor with SPC and holds the ChFC® designation, as well as Series 63 and Series 65 licenses. He has 38 years of industry experience and has been with SPC since 2011 and Parkland Securities since 2014. Katz is one of the founders of the MAXIMUM Impact Networking Group of the Tri-County Regional Chamber of Commerce in Milford, MA, where he participates in member vetting. SPC serves a diverse client base including individuals, charitable organizations, corporations, and employer-sponsored retirement plans, managing approximately $5.66 billion in assets. The firm offers portfolio management, financial planning, and ERISA-related retirement plan services through a network of over 460 advisors.

Charles Manoog is a financial advisor with Kestra Advisory Services, holding Series 65 and Series 63 licenses and accumulating 19 years of industry experience. He has worked with Kestra Investment Services since 2007 and joined Kestra Advisory Services in 2026. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a diverse group of institutional and individual clients. The firm offers services including fiduciary consulting, plan-level investment advice, and employee education, managing approximately $79.8 billion in assets with a client base that includes large institutions such as sovereign wealth funds.

Holly Robert is a financial advisor with Commonwealth Financial Network in Paxton, MA, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. She has been with Commonwealth since 1989. Outside of advising, she is president and owner of Fringe Benefit Management, Inc., a firm focused on retirement and employee benefit plan design and administration. 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 back-office support, including investment management, compliance, and technology services, while allowing advisors discretion in portfolio construction.

Douglas Padden is a financial advisor with Carson Wealth and holds Series 63 and Series 66 licenses. He has 19 years of industry experience, having previously worked at Mass Mutual Investors Services and other financial firms. He serves on the Board of Directors for the Wayland Public School Foundation, where he reports on the foundation’s investment performance. Carson Wealth is an SEC-registered investment adviser with over 650 advisors and approximately $50.6 billion under management. The firm offers discretionary asset management, financial planning, and retirement plan services, using a model portfolio approach supported by both fundamental and technical analysis.

Ryan Kittredge is a Certified Financial Planner (CFP®) with 20 years of industry experience. He has been with Private Advisor Group, LLC and LPL Financial since 2012. His other business activities include providing non-variable insurance products such as fixed life, disability, and long-term care insurance. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans with portfolio management, financial planning, and retirement plan consulting. The firm utilizes a fiduciary-based advisory model, employing a range of investment strategies and technology platforms while offering access to proprietary and third-party managed account solutions.

Megan Berkowitz is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and five years of industry experience. Her career includes roles at Commonwealth Financial Network and James N Ball & Company. Outside of advising, she is involved as a scale house operator for Tom Berkowitz Trucking. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing around $212.7 billion in client assets. The firm provides a broad adviser-support platform including managed-account programs, access to third-party asset managers, and custody services, working with clients to implement portfolios through both internally managed models and external platforms.

Daniel Tinsley is a financial advisor with Commonwealth Financial Network in Marlborough, MA, holding Series 63 and Series 65 licenses and 12 years of industry experience. He has been with Commonwealth since 2016. Outside of advising, he serves as a corporator and ambassador for Bay State Savings Bank. Commonwealth Financial Network is a registered investment adviser serving a national network of nearly 3,000 advisors and their clients. The firm provides a range of advisory programs and back-office support, including portfolio management, compliance, and technology services, allowing advisors discretion in portfolio construction alongside firm-managed model portfolios.

Moira Moynihan Manoog is a CFP® with 32 years of industry experience, currently serving as an investment advisor representative at Kestra Advisory. She has worked with Kestra since 2016 and has been affiliated with Kestra Investment Services and the James J. Moynihan Insurance Agency for over two decades. Outside of her advisory role, she is president of the Westwood Hills Improvement Association and serves as the Zone I Awards Chair for the Garden Club of America. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients. The firm offers services including fiduciary consulting, plan design, and employee education, and supports recommended investments through due diligence on performance, fees, and management.

Brendan Mulhearn is a CFP® and Series 65 credentialed advisor with three years of industry experience. He is currently with Moneta Group Investment Advisors, LLC and has prior experience at Constitution Capital Partners and Ernst & Young. Moneta Group Investment Advisors serves high-net-worth individuals, families, family offices, and institutional clients, offering portfolio management, financial planning, and family office services. The firm employs a partner-led team structure with a centralized investments department and an open-architecture selection process focused on asset allocation and manager due diligence.

Philip Mailloux is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 26 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for 18 years and has been with Commonwealth and Larson, Potter, Stratton & Cote since 2023. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing about $212.7 billion in client assets. The firm offers a comprehensive adviser-support platform, including managed-account programs, access to third-party asset managers, and custody and clearing services.