Kimberly Van Eron is the Vice President, Wealth Planner at Fidelity Investments, a position she has held since 2023. She specializes in working with high net worth families to create and implement comprehensive financial plans. Kimberly has been with Fidelity Investments since 2009, progressing through various roles including Financial Representative, Premium Services Representative, High Net Worth Case Manager, Portfolio Advisory Services Relationship Manager, and Financial Consultant. Her extensive experience within the firm has provided her with a deep understanding of wealth planning and portfolio management. She holds a California Insurance License.

Justin Carter is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His career includes roles at multiple firms, including MSI Financial Services, Massachusetts Mutual Life Insurance Company, and Cantella & Co. He has been with Raymond James and its affiliates since 2018. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, including high-net-worth clients, institutions, pension plans, and municipal entities, offering tailored financial planning and advisory services supported by a wide range of portfolio management styles and research resources.

Monique D'auteuil is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. She has worked at Wells Fargo Clearing since 2021 and previously at Morgan Stanley Smith Barney LLC. Outside of her advisory role, she serves as a trustee for a family trust established for her deceased brother’s children. 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 incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Mei Leung Dow is a financial advisor at Merrill with seven years of industry experience. She holds a Series 66 designation and has worked at Bank of America, N.A. since 2016. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients 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.

Scott Kiernan is a financial advisor at Fidelity with 19 years of industry experience. He holds Series 63 and Series 66 designations and has worked in various roles within Fidelity since 2004. Outside of his advisory work, Kiernan is a share owner and performs general maintenance for a rental property LLC in Cape Cod. 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 combines fundamental research with quantitative and algorithmic methods, and it serves as an advisor to multiple registered investment companies and fund-of-funds.

Veena Garg is a Senior Financial Advisor at Merrill Lynch Wealth Management. She began her career in the United States after moving to Massachusetts from India in 1984, where she initially worked as a teller and was soon promoted to assistant branch manager. She later served as an investment representative at Quick & Reilly before becoming a financial advisor at Banc of America Investment Services. Since 2009, she has been with Merrill Lynch Wealth Management. Throughout her career, Veena has worked with a diverse client base including active and retired business owners, widows, and others across Massachusetts and seven additional states. She focuses on building investment portfolios that align with clients' comfort with risk and need for liquidity, employing Merrill research to help clients pursue long-term financial goals for themselves and their loved ones. Her expertise encompasses retirement and education planning, liability management, tax minimization, and estate planning strategies. She holds the Chartered Retirement Planning Counselor (CRPC®) designation from the College for Financial Planning and the Personal Investment Advisor (PIA) designation. Veena lives in Worcester, where she values community involvement and volunteers with local organizations. She is multilingual, speaking English, Hindi, and Punjabi. Outside of her professional work, she enjoys cooking, gardening, hiking, knitting and crocheting, reading, spending time with her family, and practicing yoga.

Mark Nalbandian is a financial advisor at Fidelity with 16 years of industry experience. He holds Series 63, 65, and 66 licenses. Prior to joining Fidelity, he worked at Beaumont Financial Partners, LLC and Pioneer Investment Management, Inc. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm integrates fundamental research with quantitative analysis and algorithmic portfolio construction, offering discretionary and non-discretionary services as well as model portfolios built from mutual funds, ETFs, and ETPs.

Christopher Roering is a financial advisor with Wells Fargo Advisors in Worcester, MA, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has worked with Wells Fargo in various capacities since 2009. Outside of his advisory role, he has ownership interests in IKON Private Wealth, LLC and Northstar Financial Inc. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing a broad range of investment and financial planning services, including specialized areas such as business-owner transition and special-needs planning. Advisors use firm research and planning tools to develop tailored recommendations, which clients may implement through brokerage or advisory programs.

Charles Sears is a financial advisor with OSAIC based in Worcester, MA, holding Series 63 and Series 66 licenses and having 25 years of industry experience. He has worked at OSAIC since 2023 and previously at Sagepoint Financial, Inc. and Delta Global Asset Management. He is also president and treasurer of Anchor Wealth Management, Inc. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors and offers integrated brokerage and advisory services including financial planning, retirement consulting, and unified managed accounts. The firm employs various asset-allocation tools and third-party platforms to manage portfolios across a diverse range of investments.

Ryan Bernath is a financial advisor at Fidelity with Series 63 and Series 66 certifications and one year of industry experience. His prior work history includes roles at CYBBA, MIQ, Samba TV, Yahoo, Verizon Media, Oath, and AOL. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios, serving a wide range of clients including registered investment companies and an IRS-qualified Charitable Gift Fund.

Katharina Jennings is a financial advisor at Merrill with eight years of industry experience. She holds Series 63 and Series 66 credentials and has been with Merrill since 2014. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Thomas Valentine Jr. is a financial advisor with Mass Mutual Investors Services in Worcester, MA, holding a Series 63 designation and 17 years of industry experience. His career includes roles at Cambridge Investment Research, Inc., Mass Mutual Life Insurance Company, and MML Investors Services. He is also involved in life insurance sales. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations.

Ken Ludy is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2020. He has been with Fidelity Investments since 2001, progressing through various positions including Investment Consultant, Branch Service Manager, and Retirement Solutions Manager. Prior to joining Fidelity, Ken worked as a Financial Advisor at Morgan Stanley Dean Witter from 2000 to 2001. With over 24 years of experience in the financial services industry, Ken collaborates closely with families to develop personalized financial plans tailored to their unique needs at different stages of life. His approach emphasizes understanding clients as individuals and investors to help them work toward their financial goals. Outside of his professional career, Ken is interested in golf, parenthood, and skiing.

Lynette Forder is a financial advisor at Morgan Stanley in Worcester, MA, holding a Series 66 designation with three years of industry experience. Her prior work includes roles at Grafton Schools and Hordern Wealth Management, as well as periods focused on homemaking and extended travel. 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 investment research.

Alexander Hamboyan is a Financial Advisor at Merrill Lynch Wealth Management with over 10 years of experience in banking, financial services, and financial advising. He has a background in Wealth Management and has held roles at Bank of America/Merrill, State Street Corporation, Brown Brothers Harriman, and a FinTech startup. He applies analytical and problem-solving skills to provide holistic financial advice that emphasizes cash flow analysis and tax efficiency through prudent investment selection in both taxable and retirement assets. Alexander focuses on retirement planning for individuals and families near or in retirement, especially those in the biotech, pharmaceutical, and scientific fields. He also provides guidance for younger individuals and families on college planning, tax-efficient investment strategies such as concentrated stock positions, employee stock options, executive compensation benefits, and customized goal-based financial planning. He works with clients to understand their risk tolerance, time horizon, and investment objectives to help them achieve their financial goals. Alexander holds the FINRA Series 7 and 66 registrations, Massachusetts Life, Accident, Health, and Sickness Insurance Licenses, and the Chartered Retirement Planning Counselor™ (CRPC™) and Accredited Wealth Management Advisor™ (AWMA™) designations. He earned his Bachelor's Degree from the University of Massachusetts Amherst and is affiliated with the College For Financial Planning. Outside of work, he enjoys golfing, skiing, hiking, fishing, traveling, and spending time with his wife Claudia, daughter Evelyn, and family and friends in Massachusetts, Maine, and across New England.

Matthew Mina is a financial advisor with Ameriprise in Sterling, MA, holding a Series 66 designation and six years of industry experience. His career includes roles at Ameriprise Financial Services, Helen of Troy, and SMC Scientific Molding Company. Ameriprise offers a retirement-income planning service focused on individuals near or in retirement with substantial investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with automated recommendation generation overseen by a specialized team and emphasizes the use of affiliated funds in its product offerings.

Christopher Campbell is a financial advisor with Cetera, holding a Series 66 designation and over 22 years of industry experience. He has worked at Cetera and its affiliates since 2021 and previously at Voya Financial Advisors for seven years. Outside of his advisory roles, he serves as treasurer for a nonprofit golf league. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base, including individuals, retirement plans, and institutional clients. The firm offers a multi-manager platform with a variety of portfolio management options and access to third-party money managers.

Michael Fratto is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2019. He has been with Fidelity Investments since 2005, serving in various positions including Financial Consultant, Investments Representative, and Financial Representative. Prior to joining Fidelity, he worked at Smith Barney from 2000 to 2004, where he held the roles of Sales Assistant and Financial Consultant. Michael supports his clients in pursuing their financial goals through a process of planning, implementation, and ongoing monitoring. He holds a California Insurance License. Outside of his professional work, Michael enjoys family activities, football, and traveling.

Cara Holland is a financial advisor with Edward Jones in Charlton, MA, holding a Series 66 designation and three years of industry experience. She has been with Edward Jones since 2022. Outside of her advisory role, she serves as Vice President of the Charlton Business Alliance, where she helps organize community events and manage communications. Edward Jones is a full-service wealth management firm serving individual and institutional clients through a nationwide network of advisors. The firm offers a range of investment strategies and advisory services, including discretionary and non-discretionary wrap fee programs, tax-efficient services, and operates under a fiduciary standard.

Trey Howes is a Financial Consultant at Fidelity Investments, where he collaborates with clients and families to develop comprehensive financial plans aligned with their goals. He has been with Fidelity Investments since 2022, progressing through several roles including Financial Representative, Relationship Manager, and Planning Consultant before assuming his current position in 2026. His career reflects experience in client relationship management and financial planning. Trey's professional journey at Fidelity demonstrates his commitment to helping clients navigate their financial futures through tailored consulting. Outside of his professional life, he has personal interests that include baseball, fishing, fitness, spending time at the lake, outdoor adventures, and caring for pets.