Michael Mccarthy is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 26 years of industry experience. He has been with LPL Financial since 2013. 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 advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Michael Crotty is a financial advisor at Cambridge Investment Research Advisors with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cambridge since 2016. Crotty serves as an independent insurance agent and is a board member and treasurer of a nonprofit organization that provides grants for schools. He also holds a board position with the Massachusetts chapter of the National Association of Insurance and Financial Advisors. 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 financial planning, investment management, and retirement plan advisory services through a network of independent financial professionals, utilizing a variety of portfolio management approaches and custody platforms tailored to client objectives.

Michael Christy is a financial advisor at Fidelity with 12 years of industry experience. He holds a Series 66 designation and has been associated with various Fidelity entities since 2013. Outside of his advisory role, he serves as chairman of the board of trustees for Venerini Academy, a private educational institution for grades pre K-8. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Daniel Hoban is a financial advisor at Ameriprise with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Ameriprise and its affiliate since 2009. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendation reports, using a centralized consulting team and algorithmic tools to support tailored retirement income strategies.

Atea Stiko is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds Series 63 and Series 66 licenses and has worked at several financial institutions, including Santander Bank and Meze LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Michael Mazeika is a financial advisor with Morgan Stanley in Worcester, MA, holding Series 63 and Series 65 credentials and possessing 26 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Outside of his advisory role, Mazeika manages multifamily rental properties as a sole proprietor. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning services supported by structured planning tools and market modeling techniques.

Brian Waters is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 43 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Waters serves as a trustee and co-executor for family trusts and estates in Shrewsbury, MA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related investment options alongside traditional vehicles.

H. Muscatello is a financial advisor with LPL Financial in Westborough, MA, holding the Series 66 designation and possessing 23 years of industry experience. Prior to joining LPL Financial in 2009, he worked at Bay Financial Advisors Inc. from 2015 to 2021. Outside of advisory services, he is involved with Bay Financial Associates LLC, where he devotes part of his time to the sale and service of traditional insurance products, including life insurance and fixed annuities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charities. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management with access to model portfolios, research, and a variety of specialized financial products.

John Lamontagne is a financial advisor at Cetera with over 31 years of industry experience. He holds Series 63 and Series 66 credentials and has a background in insurance and employee benefits sales through various related agencies. Lamontagne is also a member of The Worcester Economics Club, a local networking organization. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting both discretionary and non-discretionary investment approaches.

Patricia George is a financial advisor with Wells Fargo Advisors in Leicester, MA, holding Series 63 and Series 66 licenses and 26 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC. Wells Fargo Advisors is a large institutional firm serving a broad client base with a range of investment services.

Michael Judd is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds the Series 66 designation and has worked with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers tailored financial planning and a range of advisory programs, managing approximately $2.74 trillion in client assets.

Ryan Balcom is a Financial Consultant at Fidelity Investments, where he has been serving clients since 2024. He is dedicated to helping clients achieve their financial goals by collaboratively developing and implementing tailored financial plans that address the unique needs of individuals and families. Ryan has extensive experience in the financial services industry, having held various roles at Fidelity Investments since 2010. His positions have included Planning Consultant, Relationship Manager, Investment Consultant, Financial Representative, Premium Services Representative, and Client Services Representative. This progression reflects his deep knowledge and commitment to the financial planning process. Outside of his professional work, Ryan engages in activities such as bowling, fitness, and football. He values family activities, parenthood, and spending time with pets.

Pasco DelFarno is a Planning Consultant at Fidelity Investments, a role he has held since 2026. He began his career at Fidelity in 2022, progressing through various positions including Customer Relationship Advocate, Investment Solutions Representative I, Financial Representative, and Relationship Manager. In his current role, Pasco focuses on understanding clients' goals, challenges, and aspirations to co-create holistic financial plans. He emphasizes listening, asking thoughtful questions, and building trust as key components of his service approach. Pasco holds the CFP® designation.

Joseph DeLellis is a Planning Consultant at Fidelity Investments, a position he has held since 2026. He partners with clients to understand their financial goals and develop customized plans to meet their unique needs. Building strong relationships with clients and their families is central to his approach, emphasizing trust, reliability, and competency. Joseph has progressed through various roles at Fidelity Investments. Since 2023, his experience includes positions such as Customer Relationship Advocate, Investment Solutions Representative I, II, and III, before becoming a Planning Consultant. This progression reflects his deepening expertise in financial planning and investment solutions. Outside of his professional work, Joseph's interests include fitness, football, and movies.

Nicholas Leone is a financial advisor at Cetera with a Series 66 designation and less than one year of industry experience. His prior work includes roles at Archstone Financial, The Annex Club, and entrepreneurial ventures such as Pizza Wave and The Landing Cafe. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving a broad client base, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers, supporting a variety of program structures and custodial relationships.

Suzana Naik is a financial advisor at Morgan Stanley with eight years of industry experience. She holds the Series 66 designation and has been with Morgan Stanley and its associated entities since 2018. Prior to that, she worked at Investor Empowerment Inc. from 2014 to 2018. Outside of finance, she teaches Indian Classical vocal music. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s approach includes structured discovery conversations and firm-approved planning tools but does not provide individual security recommendations as part of its standalone planning services.

Kartik Trivedi is a financial advisor at Edward Jones with three years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America, Amazon, and New York Life Insurance. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and affiliated investment options, operating under a fiduciary standard and supported by a large nationwide network of advisors and branch offices.

Jonathan Olson is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works closely with clients to organize, manage, and achieve their financial goals, taking the time to understand their priorities and develop strategies that align with their short-, mid-, and long-term objectives. Jonathan's areas of expertise include college education planning, family wealth management strategies, legacy planning, personal retirement planning, portfolio management, small business strategies, individual and corporate investment strategies, tax minimization, and retirement income. He serves as a resource for general investing, retirement planning, and financial preparedness, providing ongoing advice and guidance tailored to clients' evolving needs. He holds a Personal Investment Advisor (PIA) designation. His educational background includes a High School Diploma from Nashwauk High School, an Associate's Degree from Vermilion Community College, completion of an Accredited Certificate Program at Hibbing Technical College, and attendance at the University of Minnesota System without degree conferral. Outside of his professional work, Jonathan enjoys baseball, boating, camping, fishing, ice hockey, reading, softball, spending time with his family, volleyball, and woodworking.

Carol Crowley is a CFP® professional with 13 years of experience, currently serving clients at Edward Jones since 2013. She holds a Series 66 designation and is based in Northborough, MA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory strategies under a fiduciary standard, supported by a nationwide network of more than 23,700 financial advisors.

David Smith is a financial advisor at Merrill with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at both Merrill and Bank of America for over 15 years each. He serves as co-trustee of a family investment trust established for himself and his wife. 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 a range of individual and institutional investors.