Yocasta Carozza is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and 16 years of industry experience. She has worked at Fidelity Investments since 2007 and joined Cetera in 2025. Carozza is also a vice president and co-owner of Carozza Eye Care, a family business. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individual and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, operating a multi-manager platform with access to affiliated and third-party investment strategies.

Robert Dunlap is a financial advisor at Morgan Stanley with 41 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2012 and 2015, respectively. Dunlap serves as a board member of Massasecum Timber Corporation, a timber production company based in New Hampshire. Morgan Stanley Wealth Management 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 employs structured planning tools and investment modeling to support its advisory services.

Samuel Barker is a financial advisor at Fidelity with 21 years of industry experience. He holds Series 63 and Series 66 credentials and has worked across multiple Fidelity entities since 2004. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio construction. The firm employs a blend of fundamental research and quantitative analysis, utilizing algorithmic methods and long-term asset allocation strategies.

Steven Schehl is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He previously worked at Bank of America, N.A. and Merrill, with tenure spanning from 2009 to 2023 across those firms. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, employing model-based asset allocations and proprietary research to tailor client plans. The firm combines institutional trading capabilities with wealth management services, including futures commission merchant activities and principal trading.

Frederick Kline is a financial advisor with UBS Financial Services in Manchester, NH, holding a Series 66 designation and five years of industry experience. Prior to joining UBS in 2024, he worked at Merrill and Fidelity Investments. His background includes roles outside finance, such as positions at Skydive New England and several hospitality and real estate businesses. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, employing proprietary capital market assumptions and research from its Chief Investment Office and UBS Global Research to tailor client plans. The firm combines institutional trading capabilities with wealth management services, offering a broad range of financial solutions.

Brisbane Eme is a Benefits & Planning Consultant within Executive Services at Fidelity Investments, a role he has held since 2022. He collaborates with clients to build financial plans by addressing where they currently stand, where they are headed, and how to achieve their goals through actionable steps with measurable outcomes. Brisbane has been with Fidelity Investments since 2019, progressing through roles including CRA-Full Trader, Investment Solutions Representative, and Relationship Manager. His experience spans various facets of financial services, emphasizing client relationship management and investment solutions. Outside of his professional work, Brisbane has interests in soccer and traveling.

Kurt Patten is a financial advisor with Morgan Stanley in Manchester, NH, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using approved tools and models, while generally acting in an advisory capacity for clients’ financial plans.

Lawrence Depaulis is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. He holds the Series 66 designation and previously worked at UBS Financial Services Inc. for 17 years. Outside of his advisory role, he is involved with searchable.ai, providing financial advice related to short-term cash management accounts. Wells Fargo Clearing offers retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, combining IPS-driven investment processes with a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

Stacey Girard is a financial advisor with Morgan Stanley in Manchester, NH, holding Series 66 and Series 63 licenses and bringing 24 years of industry experience. She previously worked at Fidelity Brokerage Services for over two decades and spent a year with The Colony Group before joining Morgan Stanley in 2023. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and provides services through both direct and employer-sponsored financial planning agreements.

Jo Anne Dexter is a Financial Advisor with Merrill Lynch Wealth Management. She works directly with clients to define their financial goals and develop personalized portfolio strategies designed to help achieve them. Jo Anne provides ongoing advice and adjusts financial plans as clients' situations evolve. Her expertise encompasses education planning, family wealth management strategies, employee financial health, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, women and wealth, and tax minimization. Jo Anne holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Jo Anne earned a Bachelor's Degree from Southern New Hampshire University. Outside of her professional role, she enjoys gardening, singing, and spending time with her family. She is involved in community activities with Founders Academy and Weston Elementary.

Patrick Shea is a Benefits & Planning Consultant specializing in Executive Services at Fidelity Investments. He collaborates with clients to enhance their financial wellbeing by optimizing benefits and developing wealth planning strategies tailored to their life goals. Patrick emphasizes understanding his clients' unique situations and needs to co-create and implement comprehensive financial plans. He has been with Fidelity Investments since 2007, holding various roles including Retirement Investment Solutions Representative, Retirement Representative, Workplace Planning Consultant, and currently Benefits & Planning Consultant. Prior to Fidelity, Patrick worked as a Small Business Account Executive at Chase Paymentech Solutions from 2008 to 2011. Outside of his professional work, Patrick has interests in movies, reading, and writing.

Natalie Norton is a financial advisor at Merrill with 10 years of industry experience. She holds Series 66 and Series 63 licenses and has been with Merrill since 2016. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Denise Petrin is a Senior Financial Advisor at Merrill Lynch Wealth Management. She brings over 30 years of experience in banking and wealth management, having transitioned to Merrill from Wells Fargo in 2020. Denise focuses on providing comprehensive financial strategies tailored to each stage of her clients' lives, assisting a diverse client base that includes small businesses, women, military veterans, members of the LGBTQ+ community, and retirees. Her approach emphasizes understanding each client's unique circumstances, experiences, and goals to develop investment management strategies that support their long-term financial objectives. Denise works collaboratively with clients' tax advisors, estate planning attorneys, and other specialists to review and verify asset titling and estate plans. She holds professional designations including Accredited Asset Management Specialist (AAMS), Accredited Domestic Partnership Advisor (ADPA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Denise also completed a non-accredited certificate program from Southern New Hampshire University. A native of New Hampshire, Denise is actively involved in her community, participating in organizations such as the American Legion Auxiliary, Food For Children, Less Legg More Heart (Board Member), One Church, and Veterans Count. Outside of her professional and community work, she enjoys outdoor activities including biking, camping, hiking, and spending time with her five granddaughters.

Owen Mcgarrahan III is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Private Bank, N.A. since 2015, and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including customized 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 and corporate financial planning agreements.

John Di Ruggiero is a financial advisor with MassMutual Investors Services in Bedford, NH, holding Series 63 and Series 65 licenses and having nine years of industry experience. He has been with MML Investors Services since 2016 and MassMutual Life Insurance Company since 2015. Outside of his advisory role, he is involved in insurance sales through Lionstreet and manages a financial services partnership called Highstreet Insurance Partners. MassMutual Investors Services operates as a subsidiary of MassMutual, providing financial planning and investment advisory services to individuals, business owners, trusts, and charitable organizations. The firm offers asset management, wrap and money-manager programs, and educational seminars, structuring financial planning as annual, collaborative engagements without discretionary authority.

David Crespo is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and bringing 14 years of industry experience. His career includes roles at Mutual of America Securities LLC and Mutual Of America Life Insurance Company, as well as involvement with Axis Coach and Primerica Financial Services. He also receives non-investment related compensation for part-time referrals of home security and automation products and other home-related services. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm delivers advisory services through a large network of advisors using model-delivery strategies managed by unaffiliated asset managers and offers discretionary separately managed account options.

Robert LaRocque is the Director and Executive Services Officer at Fidelity Investments, where he supports senior executives with all matters related to company equity compensation plans. In this role, he focuses on providing a customized experience that emphasizes benefit optimization and comprehensive planning by leveraging Fidelity's resources. He has been with Fidelity Investments since 2005, holding various positions including Executive Services Officer since 2015, Senior Manager in Portfolio Advisory Services from 2014 to 2015, Manager in Stock Plan Services from 2010 to 2014, Senior Stock Plan Specialist from 2006 to 2010, and Stock Plan Services Representative from 2005 to 2006. His expertise includes diversification strategies, comprehensive trading plans, price sensitivity, and option analytics. Outside of his professional responsibilities, Robert enjoys boating, family activities, spending time at the lake, scuba diving, skiing, and traveling.

Sean Doyle is a Wealth Management Advisor and Managing Director at Merrill Lynch Wealth Management. Since joining Merrill Lynch in 1997, he has developed extensive experience over more than 30 years in the financial services industry, providing advice and services focused on wealth management. Sean leads investment initiatives, crafting portfolios tailored to client objectives, cash-flow needs, and risk tolerances. He works closely with high-net-worth clients, including business owners and executives, to address complex financial situations and collaborates with external tax and legal advisors to create integrated strategies involving legacy design, tax-efficient investments, and business structuring. His client focus areas include college education planning, divorce transition planning, family wealth management strategies, retirement income, and philanthropic planning among others. Sean holds a Bachelor of Science degree in Business Management from Bentley College and earned his Master's Degree in Business Administration from Rivier College. He has obtained several professional designations including the Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Sean maintains a commitment to educating clients to preserve and grow their assets while considering comprehensive financial planning elements such as estate planning and tax preparation services. Residing in Londonderry, New Hampshire, Sean lives with his wife Rachael and their three children. Outside of his professional duties, he enjoys outdoor activities including boating, fishing, golfing, hiking, and photography. Sean is involved in his community through participation with St. Jude's Church and volunteering at the St. Jude Food Pantry and Blue Angel Program.

Lara Chulack is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

David Malone Jr. is a financial advisor at Edward Jones with 12 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,700 advisors.