Jawad Khokhar is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. His prior roles include positions at AXA Advisors, Infinex Investments, United Bank, Key Investment Services LLC, and Key Bank. He is also president of Tyrbrook Financial Inc. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm’s advisory process involves matching clients to program models or discretionary managers, utilizing both third-party asset managers and firm-offered programs.

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 credentials and has held various roles at firms including Investors Capital Corp., Banc of America Investment Services, and Quick & Reilly, Inc. In addition to his advisory work, he manages commercial real estate properties through the S. William Whyte Trust. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers diversified portfolio management and financial planning services through a comprehensive multi-manager platform.

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 the Series 66 designation and four years of industry experience. His prior roles include positions at UMassFive College Federal Credit Union and CUSO Financial Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by a large network of investment adviser representatives and extensive resources.

Laura Townes is a financial advisor at Edward Jones in Northampton, MA, holding CFP®, ChFC®, and Series 66 designations with eight years of industry experience. She has been with Edward Jones since 2019 and has prior experience at Bolton Global Asset Management, Bolton Global Capital, and From the Heart Consulting. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of financial advisors and branch offices.

Kepa Eizaguirre Borreson is a financial advisor at OSAIC with seven years of industry experience. He holds the Series 63 and Series 65 designations and has served in roles at OSAIC since 2023. He is also involved with Mindful Financials LLC, where he has worked for over ten years providing administrative and registered assistant support. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers a range of integrated brokerage and advisory services, utilizing asset-allocation tools and multiple third-party platforms to create portfolios that include a variety of investment types.

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 24 years of industry experience. She has been with Ameriprise and its affiliates since 2005. Outside of her advisory work, Cruz serves on the board of directors for a local organization and is involved with Brannigan & Associates LLC in a non-investment-related capacity. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning, focusing on tax-aware withdrawal strategies and dependable income sources.

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.

John Carty Jr. is a financial advisor with Morgan Stanley in Springfield, MA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Carty serves as a board member and finance committee member for the Boys and Girls Club of Springfield. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and a broad range of investment products and services.

Daniel Lawson is a Senior Financial Advisor at Merrill Lynch Wealth Management. He works with clients to develop personalized wealth management strategies that address their full financial picture and adapt to changing market conditions. His focus areas include college education planning, employee financial health, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Daniel holds a Bachelor's Degree from Siena College and carries the Personal Investment Advisor (PIA) designation. He is involved in professional organizations such as 2Way North Lacrosse Club and Glastonbury High School Mens Lacrosse, and he volunteers with the Hillcrest Area Neighborhood Outreach Center. Outside of work, Daniel enjoys cooking, football, golfing, ice hockey, skiing, spending time with his family, and watching movies.

Barbara Turcotte is a financial advisor with Wells Fargo Clearing in Holyoke, MA, holding a Series 66 designation and 15 years of industry experience. She has been with Wells Fargo since 2016 and previously worked at Merrill from 2012 to 2014. 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 over 14,000 financial advisors, offering both brokerage and advisory solutions.

Alexandra Chapman is a financial advisor with LPL Financial in Easthampton, MA, holding a Series 66 designation and having three years of industry experience. She has worked with bankESB for several years in various capacities and has prior experience with Northampton Parks and Recreation and Inspire Works Enrichment Camp. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services through a large network of advisors, utilizing model portfolios, third-party managers, and customized strategies.

Thomas Aurigemma is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been a financial advisor since 1987 and joined Merrill Lynch in 1997. Thomas uses a disciplined investment process to deliver a consistent yet customized wealth management experience. He takes the time to understand clients’ individual and professional priorities before making financial recommendations. Drawing upon the resources of Total Merrill™, he helps clients establish objectives and develop strategies based on risk tolerance, time horizon, liquidity needs, investment goals, and associated costs. He also conducts regular reviews to monitor progress and adjust strategies as life circumstances change. His client focus areas include education planning, family wealth management, legacy planning, liquidity management, retirement planning, tax minimization, and special needs planning strategies. Thomas holds a Bachelor’s degree from the New York Institute of Technology and is a Personal Investment Advisor (PIA). He has resided in Ashfield, Massachusetts since 1999. Outside of work, he enjoys fishing, ice hockey, baseball, football, and golf.

David Ricci is a financial advisor with LPL Financial in Westfield, MA, holding Series 63, 65, and 66 licenses and bringing 34 years of industry experience. His prior roles include positions at Westfield Bank, Santander Securities LLC, and PNC Capital Advisors, among others. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by extensive technology and a large network of advisors.

Joseph Accardi is a financial advisor with LPL Financial who holds a Series 63 designation and has 45 years of industry experience. He has worked in various advisory roles since 1992, including at First Allied and his own firm, Accardi Financial Group. Accardi serves as a board member for the Taylor's Point Improvement Association, a nonprofit organization in Bourne, MA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by research and technology tools.

Brendan Burke is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and bringing 12 years of industry experience. His prior work includes roles at Fred Alger & Company, LLC, IFS Financial Services, and Touchstone Advisors Inc. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, pension plans, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Jedediah Liebert is a CFP® and holds a Series 66 license, with 18 years of industry experience. He is currently affiliated with Cambridge Investment Research Advisors and has previously worked at Commonwealth Financial Network, Liebert Investment Management, and Wells Fargo Advisors. Cambridge Investment Research Advisors serves a broad client base including individuals, retirement plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals. The firm provides a range of investment solutions across multiple platforms and includes proprietary strategies under the Founders Gate Capital brand as well as access to unaffiliated strategists.

Todd Walker is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs firm-approved planning tools and models, with an advisory approach that emphasizes client responsibility for plan implementation and updates.