Christopher Melendy is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and over 20 years of industry experience. He has worked at PFS Investments Inc. since 2006 and Primerica Financial Services since 2005. Melendy also served with the Cambridge Fire Department from 1997 to 2022. He receives compensation for sales of loan products and home security referrals through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selectively managed accounts. The firm uses a tiered wrap-fee structure and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

Gary Scheid is a financial advisor with Morgan Stanley in Norwell, MA, holding a Series 66 designation and 17 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Prior to that, he was affiliated with CitiGroup Global Markets Inc starting in 2008. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers planning services supported by structured discovery conversations and firm-approved tools.

Xinyu Zhuo is a Financial Solutions Advisor with Merrill Lynch Wealth Management. In this role, Xinyu works closely with clients to identify their financial goals and develop strategies aimed at pursuing short-, mid-, and long-term objectives. Xinyu also offers guidance on investing, retirement planning, and saving for unexpected expenses, and provides access to Bank of America specialists for banking, credit, home financing, and small business solutions. With a focus on helping clients manage complex financial priorities—such as home purchases, education funding, elder care, and healthcare preparation—Xinyu offers personalized portfolio strategies and ongoing advice to adapt to changing client needs. Xinyu holds the Personal Investment Advisor (PIA) designation and has earned both a bachelor’s and master’s degree from the University of North Carolina System. Fluent in English and Chinese, Xinyu supports clients in multiple languages.

Schuyler Wakefield is a financial advisor at Ameriprise with eight years of industry experience. He holds the Series 66 designation and previously worked at Commonwealth Financial Network. Outside of his advisory role, he serves as an assistant and paraplanner through Plymouth Rock Financial Partners LLC, supporting firm operations and advisors. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides ongoing, tax-aware retirement income planning and recommendations. The firm’s approach combines proprietary research and third-party data within a structured investment framework that includes Ameriprise affiliated funds and managed accounts.

Margaret Brook is a Series 66-licensed financial advisor with Cambridge Investment Research Advisors, where she has been employed since 2015. She has 13 years of industry experience and is also affiliated with North Light Financial Services. Outside of her advisory work, she serves as president of the Community Garden Club of Duxbury. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers a range of services such as financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals using both proprietary and third-party model strategies.

Martin Robbins II is a financial advisor with Ameriprise Financial Services LLC, holding Series 63 and Series 65 credentials and 15 years of industry experience. He previously worked at Wells Fargo Advisors for seven years before joining Ameriprise in 2022. Outside of his advisory role, he is a co-owner of M6X, LLC, a real estate business in Norwell, MA. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement with significant investable assets. The firm combines research and modeling with tax-efficient strategies, delivering personalized recommendation reports through a centralized consulting team, and provides a broad range of advisory, brokerage, and insurance solutions.

Joseph Chalifoux is a financial advisor with Charles Schwab in Plymouth, MA, holding Series 63 and Series 65 credentials and 24 years of industry experience. His prior roles include positions at Empower Financial Services, Simplicity Wealth, Oasis Outsourcing, Citizens Securities, and TIAA-CREF. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary client relationships with access to discretionary separately managed accounts, supported by a multi-asset investment approach and centralized operational infrastructure.

Robert Whitfield is a financial advisor with Morgan Stanley in Norwell, MA, holding Series 63 and Series 66 licenses and 18 years of industry experience. His career includes eight years at Bank of America and Merrill before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2024. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Michael Keating is a CFP®-certified financial advisor with seven years of industry experience. He is currently with Morgan Stanley and previously worked at JPMorgan Chase Bank, J.P. Morgan Securities, Cerity Partners LLC, and Bainco International Investors LLC. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and corporate agreements.

Derek Cunningham is a financial advisor at Fidelity with 22 years of industry experience. He holds a Series 66 designation and has worked with various divisions within Fidelity since 2004. 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 manages portfolios using proprietary methodologies and serves multiple registered investment companies and fund-of-funds.

Patrick Collins is a financial advisor at Osaic with a Series 66 credential and three years of industry experience. His prior roles include positions at Estate Capital Management, Rise North Capital, South Shore Bank, and Westfield State University. He also serves as a trustee for the Laurie Collins Irrevocable Trust. Osaic Wealth, Inc. serves retail and institutional clients through a large network of affiliated advisors, offering brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios across a variety of investment types for discretionary or non-discretionary management.

Liam Leonard is a financial advisor at Morgan Stanley with two years of industry experience. He holds a Series 66 designation and has previously worked at Rubin Wealth Advisors and several other businesses including Smart Blonde, LLC. Morgan Stanley Wealth Management offers advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools, focusing on advisory services rather than individual security recommendations.

Timothy Davis is a CFP® with 27 years of industry experience, currently affiliated with LPL Financial. Prior to joining LPL in 2026, he held advisory roles at Steward Partners Investment Solutions and Raymond James Financial Services, among others. Outside of his financial advisory work, he is involved in managing vacation rental properties in Massachusetts. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, banks, and charitable organizations through its national network of investment adviser representatives. The firm offers diverse advisory programs and portfolio management solutions supported by LPL Research and third-party subadvisors.

Brenda Duggan is a financial advisor at Wells Fargo Clearing with 37 years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at Stifel and Merrill. Outside of her advisory role, she is a notary public, owns an antique buying and selling business called Nana's Attic Treasures, and serves as a wedding officiant with Universal Life Church Ministries. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Robert Gleason is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and 37 years of industry experience. He previously worked at Sagepoint Financial, Inc. for 14 years before joining OSAIC in 2023. In addition to his advisory role, Gleason is a licensed realtor involved in real estate sales, primarily focused on single-family homes. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage, advisory services, and financial planning. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary portfolio management with access to third-party money managers and wrap programs.

Anna Hight is a financial advisor with Morgan Stanley in Norwell, MA, holding a Series 66 designation and four years of industry experience. She has been with Morgan Stanley since 2006. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and market modeling techniques.

Jeffrey Giddings is a financial advisor with Ameriprise in Marshfield, MA, holding a Series 66 designation and 15 years of industry experience. His prior roles include positions at John Hancock Advisers, LLC, Manulife Asset Management (US) LLC, and John Hancock Funds, LLC. Ameriprise provides retirement-income planning services targeting individuals nearing or in retirement with significant investable assets, delivering tailored recommendation reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools to support its advisory process and offers a broad range of investment and insurance solutions through its institutional platform.

Daniel Cosgrove is a financial advisor with Charles Schwab, holding Series 63 and Series 65 credentials and 32 years of industry experience. He previously worked for Moors & Cabot, Inc. for 16 years prior to joining Charles Schwab. Outside of advising, he serves as treasurer for the Futures Collegiate Baseball League and is involved in a tax preparation business called RIVERBANK. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through a wealth advisory wrap fee program that combines brokerage, custody, and financial planning services. The firm offers both non-discretionary investment guidance and access to discretionary separately managed accounts using multi-asset model portfolios and alternative investments.

Bruce Beagley IV is a Resident Director and Wealth Management Advisor at Merrill, where he provides tailored financial strategies to high net-worth individuals and business owners. He specializes in wealth management by understanding his clients' financial priorities and creating customized investment and financial plans. Bruce employs a goals-based wealth management process grounded in time-tested investment principles, adaptable to changing economic conditions. He holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Bruce earned his bachelor's degree from Roger Williams University. Beyond his professional role, Bruce serves as President of the North River Business Alliance and is involved with the North and South Rivers Watershed Association as a board member. He has also served on the board of directors for The Arc of the South Shore. His community involvement reflects his commitment to regional business and environmental organizations.

Najada Lako is a financial advisor with Ameriprise in Medfield, MA, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. She has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2008. Outside of her advisory role, she is a condominium owner in Medfield. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations, supported by a large institutional platform offering advisory, brokerage, and insurance solutions.