Karen Shapiro is a financial advisor with Cambridge Investment Research Advisors in Worcester, MA. She holds the ChFC® designation and a Series 66 license, with 10 years of industry experience. Prior to her current role at Cambridge, she worked at The Patriot Financial Group and Securities America. Outside of her advisory work, she is employed at Green Future Wealth Management. Cambridge Investment Research Advisors serves a wide range of individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services. The firm operates through thousands of financial professionals and offers multiple platform options and proprietary model strategies.

Ronald Bell is a financial advisor at Ameriprise with 44 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Ameriprise Financial Services since 2009. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning through written Recommendation Reports and ongoing advice. The firm employs a non-discretionary implementation process and uses proprietary research and third-party data for its recommendations within a defined investment universe.

Stephen Zahka is a CFP® with 42 years of industry experience. He is currently with Edward Jones and has previously worked at Ameriprise, Wells Fargo Clearing, and Merrill. Outside of his advisory work, he performs as a musician about once per month at local venues in Marlborough, MA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices nationwide.

Rohan Mehta is a financial advisor with Ameriprise in Marlborough, MA, holding a Series 63 designation and 18 years of industry experience. He has been with Ameriprise and its affiliated entities since 2014. Outside of his advisory role, he is involved in business ownership through DPT Management Corp. and consulting with RHM Holdings LLC. Ameriprise Financial Services is a large diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing advice focused on retirement income planning, utilizing proprietary research, third-party data, and algorithmic tools.

Joshua Kane is a financial advisor with Ameriprise, holding Series 63 and Series 65 credentials and 25 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of his advisory role, he has interests in real estate ownership. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement who meet specific asset criteria. The firm’s approach combines research, modeling, and tax-efficiency analysis to deliver non-discretionary, written recommendations that support retirement income planning.

Keith Reardon is a financial advisor with LPL Financial in Worcester, MA, holding a Series 66 designation and 21 years of industry experience. He has worked at LPL Financial since 2021, following five years at Voya Financial Advisors and seven years at Investors Capital Corp. Outside of his advisory role, he is the owner and manager of Commonwealth Consulting Group, a non-investment-related business. 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 extensive operational and research tools.

James Mcintire is a financial advisor at LPL Enterprise with a Series 66 designation and two years of industry experience. His prior work includes roles at The Prudential Insurance Company of America and Pruco Securities LLC, as well as positions outside finance at UMass Dartmouth, iHop, and Framingham High School. LPL Enterprise, LLC offers investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s investment approach is primarily model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and also provides access to financial planning, third-party asset managers, and affiliated insurance and trust services.

Matthew Palmer is a financial advisor with LPL Financial, holding a Series 66 credential and two years of industry experience. His prior work includes positions at Bio-Techne and The Investment Center, Inc., and he is also vice president of Palmer Hammond Inc, a tax preparation and accounting service. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management options, including model portfolios and third-party asset management, supported by technology tools for research and operations.

Shepard Allen is a CFP® with six years of industry experience, currently affiliated with Cambridge Investment Research Advisors. He previously worked at Morgan Stanley and Morgan Stanley Private Bank for three years. Allen serves as a board member of the Worcester Trust Fund Commission and is an author and presenter for the National Strength and Conditioning Association. Cambridge Investment Research Advisors provides financial planning, investment management, retirement plan advisory, and wrap-fee programs to individual and institutional clients, including pension and charitable organizations. The firm manages a multi-billion dollar asset base through thousands of Financial Professionals and offers both discretionary and non-discretionary management across multiple platforms.

Meaghan Liposky is a financial advisor at Morgan Stanley with 12 years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley and its affiliated entities since 2014, including a role at Morgan Stanley Private Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a wide range of advisory programs and financial planning services that utilize structured discovery processes and firm-approved tools.

Arushee Divyakirti is a Financial Advisor at Merrill Lynch Wealth Management. In this role, she collaborates with individuals and families to identify and develop tailored financial strategies that span short-, mid-, and long-term goals. Her client focus areas include college education planning, liquidity management, personal retirement planning, philanthropic planning, women and wealth, tax minimization, and retirement income. With over a decade of experience, Arushee provides comprehensive guidance ranging from general investing to retirement planning and savings strategies. She partners with Bank of America specialists to offer clients additional banking, credit, home financing, and small business solutions. Arushee holds a Bachelor's Degree from the University of Delhi, a Master's Degree from Western Michigan University, and has completed an Accredited Certificate Program from the Hindu Institute of Management. She also holds the Personal Investment Advisor (PIA) professional designation and is licensed under NMLS#2430426. Fluent in English and Hindi, Arushee is involved with the community organization Ekal Vidyalaya USA. Outside of her professional responsibilities, she enjoys camping, cooking, hiking, spending time with her family, and watching movies.

John Mazzone is a financial advisor at OSAIC with nine years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at SagePoint Financial, Citizens Securities, Wells Fargo Clearing Services, and Santander Bank. Outside of his advisory role, he owns a sole proprietorship that provides tree removal and arborist services. OSAIC Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporations. The firm offers a range of brokerage and advisory services with an investment approach focused on model-based asset allocation, portfolio optimization, and the use of discretionary and third-party managed strategies.

Brent Fisk is a financial advisor at Raymond James Financial with 20 years of industry experience. He holds the Series 66 designation and has worked at firms including LPL Financial LLC, Edward Jones, and Sammons Financial Network. Fisk is also involved in a real estate rental business in Massachusetts. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public finance work through its affiliation with a municipal advisor.

Michael Mccarthy is a financial advisor at LPL Financial with 27 years of industry experience. He has held roles at LPL Financial since 2013 and previously worked at UBS Financial Services from 2009 to 2013. He holds Series 63 and Series 66 licenses. 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, model portfolio programs, third-party asset management, and institutional platforms.

Michael Crotty is a financial advisor with Cambridge Investment Research Advisors in Millbury, MA, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. He has been with Cambridge since 2016. Outside of his advisory role, Crotty serves as a board member and treasurer for a nonprofit organization that provides grants to schools. Cambridge Investment Research Advisors serves a diverse client base including individual and institutional clients such as pension and charitable organizations. The firm offers financial planning, ongoing investment management, retirement-plan advisory, and wrap-fee programs, utilizing multiple platforms and proprietary model strategies under its Founders Gate Capital brand.

Michael Christy is a Series 66-credentialed advisor with Fidelity, bringing 12 years of industry experience. He previously worked at Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors before joining Fidelity Investments. Outside of his advisory role, he serves as chairman of the board of trustees for Venerini Academy, a private school in Worcester, MA. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a wide range of investment solutions.

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 66 and Series 63 credentials. Her work history includes roles at J.P. Morgan Securities, JPMorgan Chase Bank, Meze LLC, and Santander Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research with a range of investment and derivatives capabilities.

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 in Worcester, MA, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. He has been with Wells Fargo Clearing since 2016. Waters serves as trustee and co-executor for family trusts and estates in Shrewsbury, MA. 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 employs over 14,000 advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.