Raymond Murphy is a financial advisor with Wells Fargo Clearing in Manchester, NH, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He previously worked at UBS Financial Services from 2002 to 2009. Outside of his advisory work, he serves on the finance committee of the Burlington Country Club. 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 combines its own research with third-party analytics to evaluate investment options, offering both brokerage and advisory solutions through a large network of advisors.

Judie Brown is a Benefits & Planning Consultant in Executive Services at Fidelity Investments. She has been in this role since 2019, focusing on helping executives integrate key benefits decisions into their overall financial plans. Prior to this, she worked as a Relationship Manager from 2014 to 2019, and before that as an SPS Executive Services Representative from 2005 to 2014. Her career at Fidelity began in 1997 as a Service - Trading Representative. Throughout her tenure at Fidelity Investments, Judie has developed expertise in benefits planning and wealth management tools, assisting clients in developing plans that reflect their individual goals and priorities. She emphasizes understanding her clients' needs to provide tailored financial guidance. No additional information about her education, credentials, personal interests, or community involvement was provided.

Beverly Ketel is a CFP®-designated financial advisor with 28 years of industry experience, currently practicing at LPL Financial since 2016. She previously worked at Citizens Securities, Inc. and Ameriprise, accumulating extensive experience across these firms. In addition to her advisory work, she is involved in tax preparation and accounting through Ketel Tax Services, LLC, and provides legal services via Ketel Law, PC. 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 and access to model portfolios and third-party asset managers, supported by advanced operational tools and a diverse platform of financial products.

Anne Murray is a financial advisor with Cambridge Investment Research Advisors who holds Series 63 and Series 65 licenses and has 31 years of industry experience. She previously worked at LPL Financial and Invest Financial Corporation. Outside of her advisory work, she serves as a board member for the Make A Wish Foundation in New Hampshire and is vice president of the Seacoast Village Condo Association. Cambridge Investment Research Advisors serves a broad range of individual and institutional clients by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary management and offers proprietary model strategies under the Founders Gate Capital brand.

Jessica Chamberlin is a financial advisor at Morgan Stanley in Manchester, NH, holding Series 63 and Series 66 licenses with 14 years of industry experience. She has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, emphasizing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial plans.

Melanie Newton is a financial advisor with Merrill in Manchester, NH, holding a Series 66 designation and five years of industry experience. Her prior roles include positions at Bank of America, N.A. and Fidelity Investments, as well as a period of self-employment. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Ashley Berberian is a financial advisor with Merrill in Manchester, NH, holding a Series 66 designation and 13 years of industry experience. She has worked at Merrill since 2011, with brief tenures at Raymond James Financial Services and Steward Partners Investment Advisory. Outside of her advisory role, she is the owner of MEBA Properties LLC, a for-profit business. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutional investors.

Abigail Hickey is a financial advisor with Cambridge Investment Research Advisors in Concord, NH, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. Her prior roles include positions at LPL Financial, INVEST Financial Corporation, and John Hancock. Outside of her advisory work, she is also an independent insurance agent. Cambridge Investment Research Advisors serves a diverse range of individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and operates through thousands of financial professionals across multiple platforms and custodians.

Laura Stewart is a financial advisor at Morgan Stanley with 27 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Smith Barney LLC since 2017. Her prior experience includes roles at Citigroup Global Markets and Prudential Equity Group, LLC. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers services including financial planning and estate strategies without providing individual security recommendations as part of standalone plans.

Allison Riotto is a financial advisor with UBS Financial Services in Manchester, NH, holding a Series 66 designation and bringing 14 years of industry experience. She previously worked at Merrill for nine years before joining UBS in 2023. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Gregg Flegal is a CFP® professional with 33 years of industry experience, currently advising at Edward Jones since 2002. He holds Series 63 and Series 65 licenses and is based in Goffstown, NH. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Valerie Alves is a financial advisor at Ameriprise with 17 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Mass Mutual Investors Services, Mass Mutual Life Insurance Company, and MetLife Securities Inc. since 2015. Ameriprise offers a retirement-income planning service for individuals approaching or in retirement who meet specific eligibility criteria, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations. The firm serves clients through a wide range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Lawrence Streb is a financial advisor at Merrill with 33 years of industry experience. He has held roles at Merrill since 1997 and at Bank of America, N.A. since 2011. He holds the Series 63 and Series 65 credentials. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Joshua Andrews is a financial advisor at Ameriprise with four years of industry experience. He holds the Series 66 and Series 63 designations. Prior to Ameriprise, he worked at Fidelity Investments for four years and has experience in various roles including at Wegmans Food Markets and University of Massachusetts Lowell. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. The service provides written recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies, supported by investment research and algorithmic tools.

Richard Gagne is a financial advisor with Ameriprise in Manchester, NH, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His prior roles include positions at Global Portfolio Strategies, Inc., Prudential Investment Management Services LLC, and The Prudential Insurance Company of America. Outside of his advisory work, he is involved with The Halpin Co. in a supervisory capacity. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide non-discretionary recommendations delivered through a centralized consulting team. The firm also provides a broad range of advisory, brokerage, and insurance solutions typical of large institutional firms.

Andrea Carlin is a financial advisor at Merrill with 16 years of industry experience. She holds a Series 66 designation and has worked at both Merrill and Bank of America, N.A. since 2010. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Oleksandr Hordiychuk is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to understand their personal ambitions and financial priorities in order to develop tailored strategies that help pursue their goals. His approach includes planning for various milestones such as funding education, retirement preparation, and managing unexpected expenses. He holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Oleksandr earned a Bachelor's Degree from The Ohio State University. He communicates fluently in English, Ukrainian, and Russian, facilitating client relationships across diverse backgrounds. Oleksandr emphasizes simplicity and transparency in his work to make wealth planning an engaging process. He focuses on ongoing advice and guidance aligned with clients' evolving needs, covering areas from general investing to comprehensive retirement planning.

Gina Hall is a financial advisor at Merrill with 13 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2013. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, charities, and institutional clients, offering managed account programs, discretionary portfolio management, brokerage execution, and custody services through a variety of program strategies and manager-constructed offerings. The firm is notably integrated with Bank of America affiliates, providing clients access to capital-markets and tax-efficient investment solutions.

Matthew Dodge is a financial advisor with UBS Financial Services in Concord, NH, holding Series 63 and Series 65 credentials and 13 years of industry experience. He has been with UBS since 2014. Outside of his advisory work, he serves on the boards of the Baker Free Library Foundation and New England Masters Skiing, and is involved with the New Hampshire Children’s Health Foundation investment committee. UBS Financial Services serves individual, corporate, and institutional clients, providing brokerage and investment advisory services that include financial planning, portfolio management, and access to alternative products. The firm integrates institutional trading capabilities with wealth management through proprietary research and model-based asset allocation tailored to clients’ goals and risk tolerances.

Morgan Berberian is a financial advisor with Morgan Stanley in Manchester, NH, holding a Series 66 designation and 12 years of industry experience. Prior to joining Morgan Stanley in 2025, Berberian worked at Bank of America and Merrill, where they spent over a decade. Outside of finance, Berberian is the sole proprietor and owner of Wild Fig Charcuterie, a restaurant and bar located in Hooksett, New Hampshire. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs that include tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and economic modeling techniques.