Miranda Wegricht is a financial advisor with Ameriprise and holds Series 63 and Series 65 credentials, with 10 years of industry experience. She has worked at Ameriprise Financial Services, Inc. and LLC divisions from 2014 to 2026 and is currently a Practice Manager and Financial Advisor at Rise Private Wealth Management. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendations and ongoing retirement planning focused on income sources and tax-aware withdrawal strategies.

Timothy Urban is a CFP® with 27 years of industry experience and has been with LPL Financial since 2010. He is based in Kennebunk, ME, and holds Series 63 and Series 66 licenses. Outside of his advisory role, he manages Urban Holdings, LLC, a real estate rental business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and corporations. The firm provides financial planning, advisory programs, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research from internal and third-party sources.

David Yarema is a Series 66-licensed financial advisor with 25 years of industry experience. He has worked at Wells Fargo Clearing since 2022 and previously spent seven years with Ameriprise Financial Services, Inc. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Pauline Simeonov is a financial advisor with Morgan Stanley in Portsmouth, NH, holding a Series 66 designation and 26 years of industry experience. She has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Simeonov is a non-active partner in a construction company managed by her husband. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer servicing individuals and institutions with a comprehensive range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools in its advisory process.

Zachary George is a financial advisor with RBC Capital Markets in Portsmouth, NH, holding a Series 66 designation and bringing 13 years of industry experience. He has been with RBC Capital Markets since 2015. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers multiple advisory programs and implements tailored investment strategies through a combination of in-house and third-party managers, with features such as tax management and responsible investing options.

Mark Ross is a financial advisor at Cetera with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Avantax Advisory Services, LPL Financial, and Citizens Securities. He serves as a board member of a condominium association in Portsmouth, NH, where he contributes to fiscal policy and budgeting. Cetera Investment Advisers LLC is an SEC-registered adviser supporting a nationwide network of over 10,000 independent advisors. The firm serves individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a range of portfolio management and financial planning services through multi-manager platforms and diverse program structures.

Julia Thompson is a financial advisor with UBS Financial Services in Portsmouth, NH, holding a Series 66 designation and having 10 years of industry experience, all with UBS since 2016. She serves on the boards of two local nonprofits focused on youth development: New Heights, which provides experiential learning programs for students in grades five through twelve, and the YMCA of the Seacoast. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services, including fiduciary fee-based financial planning and a broad range of capital markets activities.

Rick Creteau is a financial advisor with Cetera holding a Series 66 designation and four years of industry experience. He has been associated with Cetera and related entities since 2021. In addition to his advisory role, he has worked as an insurance agent, selling life, disability, annuities, and long-term care products. Cetera Investment Advisers LLC serves a broad client base including individual investors, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers.

Scott White is a financial advisor with Ameriprise in Hampstead, NH, holding a Series 66 designation and 20 years of industry experience. He has been with Ameriprise and its affiliated entities since 2006. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with substantial investable assets, providing written Recommendation Reports that address income, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored retirement advice through a centralized consulting team.

Greg Lapierre is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. He has worked with LPL Financial since 2007 and has been associated with State Mutual Companies since 1989. Outside of advising, he works remotely for Bureau Veritas NA, where he researches and analyzes city building and zoning regulations related to commercial properties. 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, retirement plan consulting, and brokerage services, supported by model portfolios, third-party research, and various investment strategies.

Tyler Stephenson is a Financial Advisor at Merrill Lynch Wealth Management, specializing in guiding high-earning professionals through complex and evolving financial landscapes. He focuses on clients whose income and financial situations involve variable compensation, equity, business income, and career transitions. His client base includes corporate executives managing equity and deferred compensation, physicians and medical professionals, small business owners, and athletes and related professionals, including those navigating name, image, and likeness (NIL) and early-career planning. Tyler's approach emphasizes understanding how clients perceive money, risk, and trade-offs before developing strategies. He assists clients in organizing cash flow, investment decisions, and long-term planning that adapts to changing circumstances. He holds a Bachelor's Degree from the University of Tennessee at Martin and is recognized as a Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He is also a member of the Pi Kappa Alpha International Fraternity. Outside of his professional work, Tyler enjoys adventure sports, cooking, football, golfing, traveling, and spending time with his family.

John Gill is a financial advisor at OSAIC with 19 years of industry experience. He holds Series 63 and Series 65 registrations and previously worked at Questar Asset Management and Woodbury Financial Services. Outside of advisory roles, he is a trustee for a nonprofit organization serving children and serves on the board for a high school boys soccer boosters club. OSAIC Wealth, Inc. serves a diverse client base including individuals, pension plans, corporations, and charitable organizations through a large network of advisers. The firm provides integrated brokerage and advisory services with a focus on asset allocation, risk assessment, and access to third-party money managers and managed account solutions.

Michael Fraser II is a financial advisor at Fidelity with 14 years of industry experience. He holds Series 63 and Series 66 credentials. Outside of his advisory work, he is the sole proprietor of Phresh Entertainment, where he provides editing and hosting services. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including registered investment companies and a charitable gift fund. The firm employs a blend of fundamental research and quantitative analysis to construct model portfolios using mutual funds, ETFs, and ETPs.

Rachel Goldberg is a financial advisor at Merrill with Series 66 and Series 63 licenses and two years of industry experience. She has previously worked at Bank of America, Northwestern Mutual, and Instacart. Outside of her advisory role, she owns and operates Evelynn’s Delights, a home-based bakery in Exeter, NH. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a wide range of individual and institutional clients.

Ryan Bouchard is a financial advisor with Ameriprise, holding a Series 66 designation and 19 years of industry experience. His career includes roles at Merrill, Bank of America, and Ameriprise Financial Services. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service providing written recommendations and ongoing retirement income planning focused on dependable income sources and tax-aware withdrawal strategies.

Aimee Jacobs is a financial advisor at Stifel with 29 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Stifel for over two decades. Stifel serves a diverse client base, including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, providing capital market analyses and asset allocation guidance used to inform client decisions.

Matthew Sotir is a financial advisor with Equitable Advisors in Portsmouth, NH, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with Equitable Advisors since 2005, having previously worked at AXA Advisors, LLC. Outside of his advisory role, he serves in leadership and board positions with several Albanian cultural and religious organizations and founded Civic Voices of New England. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and a broad range of third-party asset managers. The firm uses a hybrid referral and implementation model and offers both advisory and brokerage channels to meet client needs.

Paul Ziolkowski is a financial advisor with Equitable Advisors in Portsmouth, NH, holding a Series 66 designation and 14 years of industry experience. He has been with Equitable Advisors since 2012, including time with its predecessor, Axa Advisors. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through various third-party programs. The firm uses a hybrid referral and implementation model, combining advisory and brokerage services with a focus on tailored client solutions.

Steven Gonyaw is a CFP®-certified financial advisor with Ameriprise, based in Portsmouth, NH, and has 10 years of industry experience. He has been with Ameriprise Financial Services in various capacities since 2015 and currently works with Rise Private Wealth Management. Gonyaw is also co-owner of Rise Tax Strategies, a tax preparation business. Ameriprise Financial Services is a large institution that serves both individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. The firm’s approach combines proprietary research, third-party data, and algorithmic tools to provide tailored, tax-aware withdrawal strategies and dependable income planning for clients approaching or in retirement.

William Goldstein is a CFP® professional with 15 years of industry experience, currently serving as a financial advisor at Edward Jones since 2012. He holds Series 63 and Series 66 licenses and is based in Durham, NH. Edward Jones is a full-service wealth management firm with over four million individual and institutional clients and approximately $1.01 trillion in assets under management. The firm offers a range of advisory strategies and affiliated financial services, supported by a nationwide network of more than 23,700 advisors and 15,000 branch offices.