Sandra Frey is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 19 years of experience in the financial services industry. Her professional focus includes estate and tax planning, wealth transfer, retirement income, and portfolio management services. She assists clients in identifying and prioritizing their financial goals and develops personalized strategies tailored to their unique circumstances and preferences. Sandra holds several industry credentials, including the Chartered Retirement Planning Counselor (CRPC) designation, and is registered with various FINRA series licenses. As a qualified Portfolio Manager, she can build and manage personalized investment strategies incorporating individual securities, Merrill model portfolios, and third-party investments. Sandra emphasizes a comprehensive approach to financial planning by integrating both sides of a client's balance sheet, including access to home financing solutions through Bank of America, N.A., to support overall financial objectives. She serves a diverse client base with interests spanning college education planning, family wealth management, philanthropy, socially responsible investing, special needs planning, and women and wealth. Outside of her professional role, Sandra is actively involved in her community, having served on the boards of several organizations such as Tidewater Rotary Club and Junior Achievement of Talbot County. She has also volunteered with Habitat for Humanity Choptank and Talbot Hospice Foundation. Sandra attended Goucher College but did not receive a diploma. Her personal interests include gardening, hiking, music, reading, swimming, traveling, and yoga.

Bradford Leblanc is a financial advisor with OSAIC who holds Series 63 and Series 65 licenses and has 38 years of industry experience. He has worked at several firms, including Securities America, Investacorp, Cetera Advisors, and Investors Capital Corporation. Leblanc also operates BHL Financial Services, a business involved in insurance and advisory services. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisors and offers integrated brokerage, investment advisory services, financial planning, and access to third-party money managers. The firm employs comprehensive asset-allocation tools and supports various managed-account solutions.

Nathan Auclair is a financial advisor with OSAIC in Salem, NH, holding Series 63 and Series 65 credentials and having 32 years of industry experience. Prior to joining OSAIC in 2018, he worked at Signator Investors, Inc. for 24 years. He is a founding partner of Pointes North Wealth Management, LLC, where he is involved in general office administration and fixed insurance sales and marketing. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated financial advisers and offers brokerage, advisory, and consulting services, utilizing various asset-allocation tools and third-party solutions to manage portfolios across multiple investment vehicles.

Mark Chmiel is a financial advisor with J.P. Morgan Securities who holds Series 66 and Series 63 licenses and has four years of industry experience. His background includes roles at JPMorgan Chase Bank, Santander Securities, Santander Bank, and Travelex Currency Services. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Eugene Cindrich is a financial advisor at Cambridge Investment Research Advisors with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with firms including StoneX Securities Inc and Trust Advisory Group Ltd. Cambridge Investment Research Advisors serves a broad range of clients, including individuals, pension plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals. The firm provides a variety of investment solutions, including proprietary models and access to third-party strategists, with customizable discretionary and non-discretionary management options.

Guy Angiuoni Jr. is a financial advisor with LPL Financial, holding a Series 66 designation and 26 years of industry experience. He has been with LPL Financial since 2003. Outside of his advisory role, he is actively involved as a high school ice hockey coach. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a variety of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Nicole Mc Clure is a financial advisor with UBS Financial Services, holding Series 63, Series 65, and Series 66 credentials and possessing 25 years of industry experience. Prior to joining UBS in 2021, her work history includes roles at Army NAF and KMCC Exchange. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor plans to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, providing a broad range of financial products and solutions.

Jonathan Britton is a financial advisor at Osaic Wealth, Inc. with 13 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Jhfn Sii from 2013 to 2018. Outside of advising, Britton is involved in health insurance brokerage and consulting for employee benefits with nonprofit organizations. Osaic Wealth, Inc. serves a broad range of retail and institutional clients, offering integrated brokerage and advisory services through an extensive network of affiliated advisers. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to construct diversified portfolios, and supports multiple advisory platforms alongside third-party money managers and wrap programs.

Robert Burns Jr. is a financial advisor with Mass Mutual Investors Services who holds the CFP® and ChFC® designations and has 34 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously at MetLife Securities Inc. from 2015 to 2017. In addition to his advisory role, he is involved in the sale of individual and group life and health insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm offers collaborative planning engagements using firm-approved software and a range of programs including wrap accounts and money-manager options.

Ricardo Rincon is a financial advisor with Equitable Advisors in Windham, NH, holding a Series 66 designation and 20 years of industry experience. He has been with Equitable Advisors since 2005 and also worked at Axa Advisors, LLC from 2005 to 2020. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, utilizing both advisory and brokerage channels to tailor services based on client goals and risk tolerance.

Kristen Coyne is a Benefits & Planning Consultant in Executive Services at Fidelity Investments. In her role, she focuses on helping executives develop personalized financial strategies by utilizing the full range of tools and resources available at Fidelity. Kristen is committed to building trustworthy and loyal relationships with her clients. She has been with Fidelity Investments since 2011, progressing through roles including Relationship Manager and Central Relationship Manager before assuming her current position in 2019. Prior to joining Fidelity, Kristen worked as a Financial Consultant at MetLife from 2008 to 2010. Details regarding her education, credentials, personal interests, or community involvement have not been provided.

Christopher Sordello is a financial advisor with LPL Financial in Hampstead, NH, holding the ChFC® designation and Series 63 license. He has 40 years of industry experience, including long tenures at Metlife Securities Inc. and Massachusetts Mutual Life Insurance Company prior to joining LPL Financial. LPL Financial serves a diverse client base including individuals, retirement plans, banks, and charitable organizations through a national network of advisors. The firm offers a wide range of financial planning and advisory programs, providing both discretionary and non-discretionary portfolio management supported by internal and third-party research.

Kerry Lekas is a CFP® and PFS™ certified financial advisor with eight years of industry experience. He currently works with Cetera and previously spent five years with Avantax Advisory Services. Outside of advisory work, Lekas serves as a board member of the New Hampshire Society of CPAs and is involved in accounting and tax preparation through his ownership of Dufresne & Lekas, LLC and Edgar Lekas & Company, LLC. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a multi-manager platform with various portfolio management and financial planning services, enabling advisors to implement model portfolios, select third-party managers, or build customized strategies.

Paul Tiernan is a financial advisor with LPL Financial in Plaistow, NH, holding Series 63 and Series 65 licenses and 23 years of industry experience. His prior roles include positions at MassMutual Life Insurance Company and Digital Federal Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, providing both discretionary and non-discretionary management supported by research and model portfolios.

Thomas Ciulla is a financial advisor with Primerica Advisors in Londonderry, NH, holding Series 63 and Series 65 credentials and 33 years of industry experience. He has been with Primerica Advisors since 1993 and also works at Greater Lawrence Technical School. Outside of his advisory role, he receives compensation for sales related to loan products and home security and automation services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-driven investment strategies supported by third-party asset managers and custodial services, managing approximately $15.5 billion in assets through a network of nearly 3,700 advisors at more than 1,800 offices.

Gary Geraci is a financial advisor with Cambridge Investment Research Advisors, holding Series 65 and Series 63 licenses and bringing 17 years of industry experience. His prior roles include positions at Citizens Securities, Santander Securities, and Santander Bank. Geraci also works as an insurance agent based in Windham, NH. Cambridge Investment Research Advisors serves a diverse client base, including individuals, retirement plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory through a network of independent professionals. The firm provides multiple portfolio management approaches across various custody platforms, combining proprietary models with access to third-party strategists.

Nick Therrien is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and over 24 years of industry experience. He has been with Primerica since 2000 and serves on the board of the Viviana Leon Memorial Foundation, a nonprofit organization. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and limited discretionary separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Bernard Kavanagh Jr. is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 36 years of experience in the financial services industry. He has been with Merrill since 1992 and leads a team with a combined 90 years of service at the firm. His expertise encompasses portfolio management, wealth management, private equity, insurance, lending, and retirement income planning. Bernard focuses on building strong relationships with clients, their families, and other advisory team members to deliver goal-based wealth management solutions. Bernard holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) professional designations. He earned his Bachelor's Degree from Assumption College. His client focus areas include college education planning, corporate executive services, executive compensation, liquidity management, tax minimization, socially responsible and ESG investing, individual and corporate investment strategy, retirement income, and services tailored to sports and entertainment professionals. Outside of his professional responsibilities, Bernard is involved in community service, including supporting local nonprofits and volunteering with youth sports leagues. His personal interests include boating, fishing, golfing, skiing, and surfing.

Bridget Grella is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and with 20 years of industry experience. She has been with LPL Financial since 2004 and also operates Grella Financial Services, which she has run since 2003. 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 offers a range of financial planning and advisory programs along with retirement plan consulting and brokerage services.

Donna Rivera is a CFP® with 43 years of industry experience, currently serving as a financial advisor at Cambridge Investment Research Advisors. Her prior experience includes 17 years with Lincoln Financial Services and Lincoln Financial Securities Corporation, followed by six years at Axiom Advisors, LLC. 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 provides financial planning, investment management, and retirement advisory through a broad network of independent Financial Professionals, offering strategies across multiple platforms with both proprietary and third-party model options.