Gerald Kochevar is the principal of Kochevar Financial Planning, LLC, an independent advisory firm based in Grafton, MA. He holds a Series 65 credential and has 14 years of industry experience, leading his firm since 2011. Kochevar Financial Planning provides broad-based financial planning services to individuals, trusts and estates, businesses, and charitable organizations. The firm emphasizes long-term, buy-and-hold investment strategies using diversified, cost-efficient index funds and ETFs, and focuses on financial planning and investment consultation without managing client portfolios directly.

Robert Whitney is a financial advisor at Polaris Investment Advisors, LLC with 18 years of industry experience. He holds the ChFC® designation and Series 63 and 66 licenses. Prior to joining Polaris, he worked at Cetera Advisor Networks and has operated Whitney & Gore Financial since 1984, where he also serves as an enrolled agent providing tax preparation services. Polaris Investment Advisors is a SEC-registered firm serving individual and high-net-worth clients, charitable organizations, corporations, and retirement plans. The firm offers discretionary and non-discretionary portfolio management and financial planning, focusing on customized, long-term portfolios using low-cost mutual funds, ETFs, and individual stocks.

Kyle Swaim is a financial advisor with Bartholomew & Company Wealth Management, LLC in Worcester, MA. He holds Series 63 and Series 65 credentials and has three years of industry experience. Outside of advisory work, he owns New England Trapper, LLC, an online clothing sales business, and operates an auto detailing service as a sole proprietor. Bartholomew & Company Wealth Management, LLC provides discretionary and non-discretionary asset management, financial planning, and retirement-plan consulting to individuals, high-net-worth clients, nonprofits, municipalities, and institutional clients. The firm employs a combination of active, passive, and core-satellite strategies supported by institutional research, with an emphasis on short-term, high-grade fixed income and municipal bonds.

Christopher Laura Tenecela is a financial advisor at Bartholomew & Company Wealth Management, LLC, holding a Series 66 designation with one year of industry experience. Prior to joining Bartholomew & Company, Tenecela has held roles at Commonwealth Financial Network, Northeast Bank, Bentley University, Quinsigamond Community College, and Aimtek Inc. Bartholomew & Company Wealth Management, LLC provides discretionary and non-discretionary asset management, comprehensive financial planning, and fee-for-service wealth management and retirement-plan consulting to a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, nonprofits, municipalities, and institutional clients. The firm employs a combination of active, passive, and core-satellite investment strategies supported by institutional research, with an emphasis on fixed income and municipal bond strategies, and offers both standalone financial planning and portfolio management services.

Michael Hogan is a ChFC® credentialed financial advisor with 38 years of industry experience. He has worked at Cutler Capital Management since 2019 and previously held roles at Wellesley Investment Advisors, Foreside Fund Services, and had a brief period of unemployment. Outside of his advisory work, he serves as secretary on the board of Fashion for Friends, a nonprofit focused on mental health awareness and suicide prevention supporting women with breast cancer. Cutler Capital Management is a SEC-registered investment adviser serving individuals, trusts, retirement plans, and pooled private investment funds. The firm specializes in convertible securities, financial-sector equities, and publicly traded REITs, employing both fundamental and technical analysis and using various hedging and leverage techniques tailored to client objectives and risk tolerance.

Steven Richardson is a financial advisor at Richardson Financial Services with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at J.W. Cole Financial, Inc. since 2020 and First Allied Securities, Inc. from 1998 to 2020. In addition to his advisory role, Richardson manages a CPA practice, serves as a director of Charles River Bank, and is involved in several other business and community activities. Richardson Financial Services, Inc. is a fee-based registered investment adviser serving individual and high-net-worth clients. The firm provides comprehensive financial planning and portfolio management, using third-party managers on platforms such as AssetMark and Envestnet, with ongoing due diligence and quarterly reviews of managers and asset allocation.

Melvin Cutler is Chief Investment Officer and Managing Partner at Cutler Capital Management, with 25 years of industry experience. He has been with Cutler Capital Management since 1999 and has been involved with Cutler Associates Inc. since 1972. Outside of his advisory role, Mr. Cutler is a principal in a construction company and a real estate development company, dedicating about 10% of his time to these activities. Cutler Capital Management is a six-advisor SEC-registered firm managing approximately $340 million for individuals, trusts, retirement plans, and private funds. The firm specializes in convertible securities, financial-sector equities focused on community banks, and publicly traded REITs, employing both fundamental and technical analysis alongside hedging and leverage strategies tailored to client objectives.

Nathan De Gregorio is a financial advisor at PenFacs Financial Services holding a Series 66 designation. He has recently entered the industry and has been associated with several related entities including PenFacs Financial Services, The New PenFacs Insurance Agency, and The PenFacs Group. His background includes roles outside traditional advisory positions, such as work with The New Woodshed and BJ's Brewhouse. PenFacs Financial Services, Inc. is a small SEC-registered investment adviser serving individuals and business clients with portfolio management and financial planning. The firm manages approximately $23 million in assets and employs a variety of analytical approaches and trading techniques, primarily implementing strategies through model portfolios and sub-advisers.

Joseph Bourque is an advisor at Worcester Advisors with 12 years of industry experience. He holds Series 63 and Series 65 registrations and has worked at Worcester County Fiduciary Advisors Inc. since 2011 as well as Fidelity Brokerage Services LLC and Fidelity Investments Institutional Services Company, Inc. since 2008 and 1999, respectively. Worcester Advisors provides investment advisory and portfolio management services to individuals, trusts, estates, pension and profit-sharing plans, charitable organizations, and municipalities. The firm uses a fundamental, value-oriented equity approach with an emphasis on risk control and fixed-income management tailored to interest-rate outlooks, and it serves a range of clients including municipal entities and fiduciary roles.

Edward Pitts is a CFP® professional with 31 years of industry experience. He is currently with Richardson Financial Services and previously worked at J.W. Cole Financial, Edward Jones, and TIAA. Outside of his advisory role, he serves as an independent ice hockey referee. Richardson Financial Services is a fee-based registered investment adviser serving individual and high-net-worth clients. The firm offers comprehensive financial planning and portfolio management, utilizing third-party managers through wrap platforms such as AssetMark and Envestnet.

Jacob Wharton is a financial advisor at Worcester Advisors with a Series 65 designation and one year of industry experience. Prior to his current role, he has held various positions including a consultant for small businesses at the Small Business Development Center in Worcester, MA, where he assists business owners in organizing and assembling financial statements. Worcester Advisors provides investment advisory and portfolio management services to individuals, high-net-worth clients, trusts, estates, charitable organizations, pension plans, business entities, and municipal clients. The firm employs a fundamentally driven, value-oriented equity approach and maintains trust-style capabilities, including managing trust accounts and serving municipal clients.

Nancy Scott is a CFP® and holds a Series 66 license, with 19 years of experience in the financial industry. She is currently with Bartholomew & Company Wealth Management, LLC and has worked with Commonwealth Financial Network and Bartholomew and Company, Inc. since 2006. Bartholomew & Company Wealth Management, LLC provides discretionary and non-discretionary asset management, financial planning, and retirement-plan consulting to individuals, high-net-worth clients, and institutional entities. The firm uses a combination of active, passive, and core-satellite investment strategies supported by institutional research and emphasizes short-term, high-grade fixed income and municipal bond strategies.

Geoffrey Dancey is a CFA® charterholder and holds a Series 65 license, with 22 years of industry experience. He has been with Cutler Capital Management LLC since 2003, working in Worcester, MA as part of a six-person advisory team. Cutler Capital Management is a SEC-registered investment adviser serving individuals, trusts, retirement plans, and pooled private investment funds. The firm specializes in convertible securities, financial-sector equities with a focus on community banks, and publicly traded REITs, using both fundamental and technical analysis to construct portfolios aimed at current income with upside potential and managed downside risk.

Brian Maxfield is a CFP® with 27 years of industry experience, currently serving at Richardson Financial Services. He has worked at Richardson Financial Services since 2004 and at J.W. Cole Financial, Inc. since 2020. Outside of his advisory role, Maxfield coaches pickleball. Richardson Financial Services is a fee-based registered investment adviser serving individual and high-net-worth clients, managing approximately $213 million in assets. The firm provides comprehensive financial planning and portfolio management through third-party managers on platforms like AssetMark and Envestnet.

Kyle Cornell is a financial advisor at Bartholomew & Company Wealth Management, LLC with eight years of industry experience. He holds the Series 66 designation and has worked at Bartholomew & Company, Commonwealth Financial Network, and Merrill Lynch. Bartholomew & Company Wealth Management, LLC is an SEC-registered investment adviser that serves individuals, high-net-worth clients, pension and profit-sharing plans, nonprofits, municipalities, and institutional clients. The firm offers discretionary and non-discretionary asset management, financial planning, and retirement-plan consulting, utilizing a combination of active, passive, and core-satellite strategies supported by institutional research.

Georgia Bruggeman is a CFP® professional with 23 years of industry experience. She has been with Meridian Financial Advisors since 1990. Outside of her advisory role, she serves as Vice Chair and trustee of Sawin Academy, where she helps manage funds to provide benefits to an elementary school. Meridian Financial Advisors, LLC offers fee-only financial planning and discretionary investment management to individuals, high-net-worth clients, families, and small businesses. The firm constructs portfolios based on fundamental analysis and client-specific objectives, managing approximately $257.9 million in discretionary assets.

Ronald Degregorio is a CFP® and ChFC® with 51 years of experience in financial services. He is the sole advisor at Pen Facs Financial Services in Salem, NH, where he has worked since 1977 and also operates related entities focused on insurance and investment advisory services. Degregorio serves as chairman of the board of USA Hockey and is a council member of the International Ice Hockey Federation, dedicating significant time to governance and the development of hockey. Pen Facs Financial Services provides portfolio management to a small, concentrated client base including pension and profit-sharing plans, trusts, estates, corporations, and individuals. The firm uses both fundamental and technical analysis with primarily non-discretionary account management.

Sangam Dahal is a financial advisor at Worcester Advisors with three years of industry experience and holds a Series 65 designation. Prior to joining Worcester Advisors, he worked at Clark University, Swopna Events Pvt Ltd, Nabil Investment Banking Limited, and WaterForEveryone-Nepal. Worcester Advisors provides investment advisory and portfolio management services to a diverse client base including individuals, trusts, charitable organizations, pension plans, and municipal clients. The firm employs a fundamentally driven, value-oriented equity investment approach and offers specialized fiduciary and institutional administrative support.

Charles Patterson is a financial advisor with Bartholomew & Company Wealth Management, LLC in Worcester, MA, holding a Series 66 designation and 24 years of industry experience. He has been with Bartholomew & Company, Inc. and Commonwealth Financial Network since 2002. Outside of his advisory role, Patterson is involved in antique sales and serves as secretary for Bartholomew & Company, Inc. Bartholomew & Company Wealth Management, LLC provides discretionary and non-discretionary asset management, financial planning, and wealth management services to individuals, high-net-worth clients, and various institutional clients. The firm employs a mix of active, passive, and core-satellite investment strategies, with a focus on fixed income and municipal bonds, and offers both standalone financial planning and consulting options.

Jonathan Mack is a financial advisor at Bartholomew & Company Wealth Management, LLC with 19 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at UBS Financial Services Inc for 13 years. His other business activities include fixed insurance sales conducted at his branch location. Bartholomew & Company Wealth Management provides discretionary and non-discretionary asset management, comprehensive financial planning, and fee-for-service wealth management and retirement plan consulting. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, nonprofits, municipalities, and other institutional clients, using a combination of active, passive, and core-satellite investment strategies supported by an institutional research process.