Patrick Donnelly is a CFP® with 36 years of industry experience, currently serving as a financial advisor at Raymond James Financial Services Advisors, Inc. He previously worked at UBS Financial Services Inc. from 2008 to 2018 and has been a member of the U.S. Army National Guard since 2018. Outside of his advisory role, he occasionally works as a background actor in motion pictures and television. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary advisory services and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Jennifer Ewers is a financial advisor with Edward Jones in Northampton, MA, holding a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, she worked at Finck and Perras Insurance Agency for three years and Webber and Grinnell Insurance for seventeen years. She serves as a volunteer corporator for Greenfield Cooperative Bank and is a board member for Friends of Cooley Dickinson Hospital. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of over 23,700 financial advisors.

Hunter Boody is a ChFC®-designated financial advisor at Edward Jones with six years of industry experience. He has been with Edward Jones since 2019 and has prior work experience in firms including Idaptive, Centrify, A+ Staffing, NuSkin, and Brigham Young University. Outside of his advisory role, he manages vacation rentals in Salt Lake City, UT. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory services including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets across a nationwide network of advisors.

Christopher Huxley is a financial advisor with Edward Jones in Florence, MA, holding a Series 66 designation and 14 years of industry experience. Prior to joining Edward Jones in 2018, he worked at Bank of America and Merrill from 2012 to 2018. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Daniel Lupo is a financial advisor with Mass Mutual Investors Services in Holyoke, MA, holding a Series 66 designation and having one year of industry experience. Prior to his current role, he worked at Western New England University and has been involved in the food service industry as a cook at The Pizza Shoppe since 2018. He also engages in outside insurance sales, including life, disability, and fixed annuities products. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved software to analyze client goals and provides event-driven planning programs including estate and employer-sponsored planning.

Brandon Affeldt is a financial advisor at UBS Financial Services with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at UBS since 2018, following roles at Columbia Management Investment Distributors and Putnam Retail Management. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment plans.

Robert Cormier is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley since 2009, including work at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves as Treasurer and board member for the Amos Fleisher Memorial Foundation, a scholarship foundation based in Chicago. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that includes proprietary modeling tools and a broad range of retail and institutional offerings.

C D Kaye II is a financial advisor at Merrill with 18 years of industry experience and holds the Series 66 designation. He has worked at Bank of America, N.A. since 2011 and has been with Merrill since 2009. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Mark Brown is a financial advisor at Morgan Stanley with 45 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank, N.A. since 2015, as well as Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by advanced modeling tools.

Kevin Grant is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has three years of industry experience, including prior roles at TD Private Client Wealth LLC and TD Bank N.A. Grant has served in the United States Navy Reserve since 2016 as a Petty Officer First Class specializing in weaponry and ammunition. He also acts as an arbitrator for FINRA, handling dispute resolution between investors and brokerage firms. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides comprehensive financial planning and asset management services using firm-approved software and collaborative annual planning engagements.

Jawad Khokhar is a financial advisor at Equitable Advisors with 10 years of experience in the industry. He holds Series 63 and Series 66 licenses and has previously worked at AXA Advisors, Infinex Investments, United Bank, and Key Bank. He is also the president of Tyrbrook Financial Inc. Equitable Advisors serves a diverse clientele including individuals, high-net-worth clients, retirement plans, corporate, charitable, and institutional clients, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates through LPL-sponsored programs and third-party managers to provide advisory and brokerage solutions.

Douglas Reed is a financial advisor at Morgan Stanley with 46 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. He holds Series 63 and Series 65 credentials. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools such as Monte Carlo simulations as part of its financial planning process.

Jeffrey Whyte is a financial advisor at Cetera with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Cetera and its affiliates since 2016. Outside of advising, he manages commercial real estate properties through the S. William Whyte Trust. Cetera Investment Advisers LLC 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 options and access to third-party money managers.

Justin Osowiecki is a Certified Financial Planner® with 25 years of industry experience. He has been with Ameriprise since 2005, serving in various roles within the firm. His additional activities include providing client service and administrative support as an Associate Financial Advisor outside of investment-related duties. Ameriprise is a large institutional firm offering a range of advisory, brokerage, and insurance solutions. It provides a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets, using a combination of research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports.

Samuel Einzig is a financial advisor with LPL Financial in Springfield, MA, holding a Series 66 designation and four years of industry experience. His prior roles include positions at UMassFive College Federal Credit Union and CUSO Financial Services. Outside of advisory work, he has experience at a municipal golf course, an analytical laboratory, and a nonprofit called Pet Pals of Winchester. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers diverse advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from multiple sources to support both discretionary and non-discretionary management.

Laura Townes is a CFP® and ChFC® with seven years of experience in the financial industry. She has worked at Edward Jones since 2019 and previously held roles at Bolton Global Asset Management, Bolton Global Capital, and From the Heart Consulting. Her background also includes experience outside finance, such as working at Sunnyside Child Care Center and Magpie Woodfire Pizza. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary options, supported by a nationwide network of more than 23,700 financial advisors.

Kepa Eizaguirre Borreson is a financial advisor at OSAIC with seven years of industry experience. He holds the Series 65 and Series 63 licenses and has worked at OSAIC since 2023. Prior to this, he was employed by H&R Block in 2017 and 2018 and is involved with Mindful Financials LLC in an administrative capacity. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with a range of investment solutions, utilizing asset-allocation tools and automated rebalancing to manage portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Paul Pierce Jr. is a financial advisor at Ameriprise with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Ameriprise and its affiliate since 2012. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset criteria, offering written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its approach and delivers recommendations through a centralized consulting team in partnership with client advisors.

Kyong Cruz is a financial advisor with Ameriprise in Wilbraham, MA, holding a Series 66 designation and 23 years of industry experience. He has been with Ameriprise and its affiliated firms since 2005. Outside of his advisory role, he serves on a nonprofit board of directors and is involved with Brannigan & Associates LLC in a non-investment capacity. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax analysis to deliver tailored, non-discretionary retirement recommendations through a centralized consulting team.

Nicholas Alvanos is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining Morgan Stanley, he worked at Ameriprise from 2014 to 2025. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and scenario modeling. The firm manages approximately $2.74 trillion in client assets and offers both direct individual plans and corporate financial planning agreements.