Kerri Melley is a financial advisor at Mass Mutual Investors Services with 21 years of industry experience. She holds a Series 66 designation and has worked at Mass Mutual Investors Services and Mass Mutual Life Insurance Company since 2015. In addition to her advising role, she is an insurance broker specializing in individual and group life and health insurance. 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 offers financial planning, asset management, and educational programs, with financial planning structured as annual collaborative engagements using firm-approved analytical tools.

Joshua Foster is a Planning Consultant at Fidelity Investments, a position he has held since 2025. In this role, he collaborates with clients and his wealth management team to develop financial plans that align with clients' needs and goals, and supports the implementation and adjustment of these plans over time. Prior to his current role, Joshua worked as a Relationship Manager at Fidelity Investments from 2024 to 2025 and as a Financial Representative at the same company from 2023 to 2024. These roles have contributed to his experience in client relationship management and financial planning. No additional information regarding Joshua's education, credentials, personal interests, or community involvement has been provided.

Thomas Carroll is a financial professional with Cetera and holds a Series 66 designation. He has two years of industry experience and has worked at firms including J.P. Morgan Securities LLC and Lincoln Financial Group. Carroll is also president of Small Business Insurance Agency, Inc., where he markets and sells fixed annuity products. Cetera Investment Advisers LLC operates a multi-manager platform serving a broad client base that includes individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, with access to affiliated and third-party managers through various program structures.

Brian Carroll is a financial advisor at Cetera with 40 years of industry experience. He holds the ChFC® designation and Series 63 license. Carroll has held leadership roles in various businesses, including serving as president of Sterlingbridge Insurance Agency, LLC and as owner and CEO of PivotAI, an AI technology solutions firm. He also serves as an elected board member of a condominium association. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a nationwide network of independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, operating over $256 billion in assets through more than 10,000 advisors.

Stephen Bradley is a CFP® with 21 years of industry experience, currently serving as a financial advisor at Raymond James Financial Services Advisors Inc. since 2018. Prior to this, he worked at UBS Financial Services for 14 years. He is also the CEO of Bradley & Stayton Wealth Management Group, a wealth management support company. 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, pension plans, corporations, and institutional clients. The firm utilizes tailored, non-discretionary planning and analytical tools to align investment strategies with client goals and maintains specialized programs supporting municipal finance and SIMPLE IRA employer advisory services.

Madhusudan Nair is a financial advisor with LPL Financial, holding Series 65 and Series 63 licenses and one year of industry experience. His prior roles include positions at UniBank, First Citizens Bank, J.P. Morgan Securities, JPMorgan Chase Bank, N.A., and First Republic Bank. 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 services, including financial planning and access to various investment strategies, supported by research and technology tools.

Christina LaFortune is a Senior Financial Advisor at Merrill Lynch Wealth Management in Worcester, Massachusetts. She has been with Merrill Lynch since 2011 and co-leads The Smith-LaFortune Group. Christina provides guidance to clients including non-profits, business owners, executives, and families, focusing on financial strategies such as investment management, retirement planning, insurance solutions, and banking services. She holds several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Christina earned a Bachelor of Science degree from Westfield State College and a Master of Business Administration in Accounting from Fitchburg State University. Christina resides in Sturbridge, Massachusetts, with her family. She is involved with the Worcester County Food Bank and is affiliated with professional organizations including The National Association of Plan Advisors (NAPA) and Women we Admire.

Bruce Munger Jr. is a Wealth Management Advisor with Merrill Lynch Wealth Management. He supports clients in developing strategies to manage personal and business finances, focusing on areas such as college education planning, family wealth management strategies, liquidity management, retirement planning, socially responsible and values-based investing, and women and wealth. Bruce emphasizes a personalized approach, working one-on-one to tailor financial strategies that align with his clients' long-term goals. Bruce holds a Bachelor of Arts degree in Economics and Mathematics from Bowdoin College and a Master of Science degree in Accounting from Northeastern University. He is a CERTIFIED FINANCIAL PLANNER™ certificant and holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He has been with Merrill Lynch Wealth Management since 1993. Beyond his professional work, Bruce is involved in his community through volunteering and has served on the boards of various organizations including The Joy of Music Program, The Boys and Girls Club of Worcester, and The Skating Club of Boston. He resides in Worcester with his wife and two children. His personal interests include biking, golfing, skiing, tennis, and traveling.

Michael Lemay is a financial advisor with LPL Financial in Worcester, MA, holding a Series 66 designation and 18 years of industry experience. He has been with LPL Financial since 2009 and previously worked at Couture Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of advisors. The firm offers a variety of financial planning and investment management services, combining broad capabilities with extensive non-advisory financial activities.

Jordan Kotob is a financial advisor at Fidelity with a Series 66 credential and less than one year of industry experience. His prior work includes roles at DoorDash and the University of Massachusetts Amherst. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Carl Kaliszewski is a financial advisor with LPL Financial holding Series 63 and Series 65 licenses and has 49 years of industry experience. His prior roles include positions at Ic Advisory Services Inc, The Investment Center Inc, Mass Mutual Investors Services, and Metlife Securities Inc. In addition to his advisory career, he is a notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a broad range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by extensive operational and research tools.

Kelsey Saucier is a Financial Consultant at Fidelity Investments. She has held various roles within the company since 2018, progressing from Customer Service Advocate to Financial Consultant. Her experience includes positions as an Investment Consultant, Planning Consultant, Relationship Manager, and Financial Representative. As a CERTIFIED FINANCIAL PLANNER™ professional, Kelsey focuses on helping individuals and families align their investments and retirement strategies with their financial goals. She leverages Fidelity's resources to provide clear and personalized financial guidance. Kelsey holds a California Insurance License.

David Li is a financial advisor at Wells Fargo Clearing with 34 years of industry experience. He holds the Series 63 and Series 65 licenses and has worked at Morgan Stanley and its affiliated private bank from 2013 to 2024 before joining Wells Fargo Clearing. Outside of his advisory role, he owns an eight-unit residential rental property in St. Augustine, Florida. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Zachary Bombard is a financial advisor with LPL Financial in Worcester, MA, holding Series 63 and Series 65 licenses and nine years of industry experience. He has worked at LPL Financial since 2018 and previously held multiple roles at Voya Financial Advisors and Voya Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a range of advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm supports its network of advisors with model portfolios, third-party asset management, and technology tools, while also offering various non-advisory financial services.

Thomas Clinton is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and 27 years of industry experience. He previously worked at Grove Point Investments, Grove Point Advisors, H. Beck, Inc., and Osaic FS, Inc. Outside his advisory duties, he is involved with Couture Financial Services, a business related to his LPL activities. 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 portfolio programs, and institutional platforms, leveraging both proprietary and third-party investment strategies.

Shazia Tariq is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. She has worked at Fidelity Investments since 2024 and previously held positions at Santander Securities and Santander Bank. Strategic Advisers LLC, a Fidelity company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm uses a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios, and it serves a variety of clients through discretionary and non-discretionary advisory services.

Michael Bramley is an advisor at LPL Enterprise with 11 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities through a network of investment adviser representatives. The firm’s investment implementation is typically model-driven, featuring financial planning, access to third-party asset managers, and participation in the Model Wealth Portfolios wrap program.

Hope Dennis is a financial advisor at LPL Financial with 22 years of industry experience. She holds Series 63 and Series 65 licenses and has held positions at Central One FCU, CUNA Brokerage Services, and Mutual of Omaha. Dennis is based in Shrewsbury, MA. 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, supporting advisors with various investment strategies and operational tools.

Elisa Chan is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. She has worked at multiple firms including New York Life Insurance Company, Eagle Strategies, and Dream Big Financial, LLC. Outside of her advisory role, Chan serves as a notary public and acts as an independent insurance agent. Cambridge Investment Research Advisors serves a diverse range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers both discretionary and non-discretionary management across multiple platforms and maintains proprietary model strategies under the Founders Gate Capital brand.

Jason Roy is Vice President, Wealth Planner at Fidelity Investments, where he has served since 2018. In this role, he acts as a planning resource for families, focusing on creating financial plans for retirement income and legacy planning considerations. Prior to this, he held positions at Fidelity Investments including Vice President, Financial Consultant from 2012 to 2018, Financial Consultant from 2011 to 2012, and Relationship Manager from 2008 to 2011. Throughout his career at Fidelity, Jason has developed experience in financial consulting and relationship management, supporting clients' financial planning needs.