Joseph Hubbell is a financial advisor with Wells Fargo Clearing who holds Series 63, 65, and 66 designations and has 42 years of industry experience. His prior roles include positions at Raymond James & Associates, Snowden Lane Partners, Merrill, J.P. Morgan Securities, and UBS Financial Services. Outside of his advisory work, he serves as an arbitrator for FINRA and as Harbor Master and Harbor Control Commission member for the Incorporated Village of Harbor in Lloyd Harbor, New York. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and utilizes research-driven investment approaches based on diversification principles and modern portfolio theory.

Gregory Timbas is a financial advisor with Edward Jones in Manchester, NH, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. He has been with W. S. Griffith & Co., Inc. since 1995. Outside of his advisory role, he serves as treasurer for the Sudden Pitch Tennis Club in Manchester, assisting with budget preparation and financial oversight. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.

Debra Nelson is a Series 66 credentialed financial advisor with 20 years of industry experience, currently with Wells Fargo Clearing since 2016. She previously worked at RBC Capital Markets from 2011 to 2012. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and employs more than 14,000 financial advisors, offering both brokerage and advisory solutions.

Joseph Williams is a financial advisor at UBS Financial Services with 33 years of industry experience. He holds Series 63 and Series 65 registrations and has been with UBS since 2008. Outside of his advisory work, he serves as a board member of Holy Family Academy in Manchester, New Hampshire. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings.

Katherine Kippen is a financial advisor at UBS Financial Services with nine years of industry experience. She holds Series 63 and Series 66 licenses and has worked at UBS since 2018, following roles at Fidelity Brokerage Services and Target Corporation. Outside of her advisory work, she serves on the board of directors for the 43 Oak Foundation, a sports and leisure organization, where she performs secretarial duties. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to deliver tailored financial plans.

Jacqueline Depippo is a financial advisor with Morgan Stanley in Manchester, NH, holding a Series 66 designation and 12 years of industry experience. She has been with Morgan Stanley and its Private Bank since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm provides a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques.

James White is the Vice President and Executive Planning Consultant at Fidelity Investments, a position he has held since 2007. He has worked with Fidelity Investments since 1996, progressing through roles including Retirement Income Planner, Team Manager, and Service Trading Representative. His career at Fidelity reflects extensive experience in financial planning and client service. James holds a California Insurance License, which supports his work in developing wealth planning strategies tailored to individual client needs. He emphasizes honesty, ethical behavior, and direct communication to build trust and effective client relationships. Outside of his professional role, James has interests in baseball, fitness, golf, skiing, and traveling.

Thomas Mc Williams is a financial advisor with Primerica Advisors in Webster, NH, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked with PFS Investments Inc. since 2006 and Primerica Financial Services since 2005. Outside of advisory roles, he is involved in sales of loan products and home-related services referrals through affiliates of PFS Investments Inc. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm curates third-party asset managers and uses a tiered wrap fee structure, offering a range of investment models implemented in partnership with BNY Mellon Advisors.

Ryan Le Brun is a financial advisor with Merrill in Manchester, NH, holding Series 63 and Series 66 designations and three years of industry experience. His background includes roles at Bank of America, Fidelity Investments, and several other firms. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Yocasta Carozza is a financial advisor at Cetera with 17 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Fidelity Investments since 2007. Carozza is also the vice president and co-owner of Carozza Eye Care, a family business where she has no operational responsibilities. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management, financial planning, and consulting services delivered through a nationwide network of over 10,000 advisors.

Simon Keeling is a CFP® with 16 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He previously spent 14 years at Edward Jones before joining Raymond James in 2023. Keeling is also the owner of Keeling Wealth, LLC, a support company unrelated to investment activities. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutions. The firm employs tailored, non-discretionary planning and uses analytical tools including deterministic and probability modeling to support client goals.

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 22 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with various 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 using proprietary research and algorithmic methods.

Steven Schehl is a financial advisor at UBS Financial Services with 33 years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes roles at Bank of America, Merrill, and Banc of America Investment Services. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client solutions.

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.

Julia Makris is a financial advisor at UBS Financial Services in Concord, NH, holding a Series 66 designation with three years of industry experience. She has been with UBS since 2018 and has prior work experience at the University of Connecticut and Concord Country Club. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses research from its Chief Investment Office and UBS Global Research to tailor investment strategies.

Stacey Girard is a financial advisor at Morgan Stanley in Manchester, NH, with 24 years of industry experience. She holds Series 66 and Series 63 licenses and previously worked at Fidelity Brokerage Services for over two decades, followed by a brief tenure at The Colony Group. Morgan Stanley Wealth Management serves both individual and institutional clients, offering 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 supported by advanced analytical tools.