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.

Jeffrey Carlson is a financial advisor at Edward Jones with 17 years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley Smith Barney from 2009 to 2017. 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 and offers a range of investment strategies and affiliated services through a large national network of advisors and branch offices.

Robert Morin is a CFP® and holds a Series 66 license with 27 years of experience in the financial industry. He has been with UBS Financial Services since 2008. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm utilizes proprietary research and model-based asset allocations to tailor financial planning and portfolio management to clients’ goals and risk tolerances.

Steven Bradway is a CFP® with 35 years of industry experience, currently serving as an advisor at LPL Financial since 2003. He is involved with BFP Associates, Inc., a firm that provides retirement plan administration, employee benefits, and group insurance brokerage services. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, institutions, and retirement plan participants, utilizing a variety of investment strategies and technology tools.

Jennifer De Leon is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and bringing 10 years of industry experience. She has worked at MML Investors Services, MassMutual, Northwestern Mutual Wealth Management Company, and Designer Shoe Warehouse. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars using firm-approved analytical tools and structures planning as annual collaborative engagements.

Jason Cutler is a CFP® with 27 years of industry experience, currently serving at Mass Mutual Investors Services since 2009. He also provides financial planning services through The Jamrog Group LLC, a business he operates. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that delivers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm employs detailed client information and firm-approved analytical tools to develop collaborative, goal-focused planning relationships.

Robin Marble is a financial advisor at OSAIC with 14 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at SagePoint Financial and Lamothe & Associates Financial Associates Inc. Outside of his advisory role, he operates a tax preparation sole proprietorship. OSAIC serves a diverse range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and advisory services, utilizes various asset-allocation tools, and offers access to third-party money managers and managed-account solutions.

Patricia Metcalf Shermeta is a CFP®-designated financial advisor at OSAIC with 11 years of industry experience. She previously worked at FSC Securities Corp and has been self-employed since 2007. Outside of her advisory role, she provides tax preparation and business consulting services through Mindful Financials, LLC. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients, offering integrated brokerage and advisory services through a large network of affiliated advisors. The firm utilizes asset-allocation tools and third-party managers to construct diversified portfolios across multiple asset classes.

Kevin Murray is a financial advisor with MassMutual Investors Services in Springfield, MA. He holds Series 63 and Series 65 licenses and has 18 years of industry experience. His work history includes roles at MassMutual, TD Bank N.A., and Money Concepts Capital Corp, as well as operating a tax services business for 15 years. MML Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative planning using firm-approved software and offers specialized programs such as divorce planning and estate settlement services.