Erin Di Carlo is a financial advisor with Commonwealth Financial Network in Wilmington, MA, holding eight years of industry experience. She previously worked at 2Sisters Senior Living Advisors for four years and currently owns a company that assists seniors with transitioning from their homes and eventually listing and selling their properties. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs and services including wealth management, retirement plan consulting, and access to third-party asset managers. The firm supports advisors with operations, trading, technology, investment management, compliance, and practice-management resources.

Kathryn Cunningham is a financial advisor at Hornor, Townsend & Kent, LLC with 12 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Hornor, Townsend & Kent since 2015. In addition to her advisory role, she is involved in life insurance brokerage activities supporting client services and relationship management for Condon & Co. Wealth Advisors. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory services primarily through third-party asset manager platforms. The firm emphasizes client-directed implementation and oversight, managing the majority of its approximately $7.38 billion in client assets on a non-discretionary basis.

Alexander Kosheff is a financial advisor with Valic Financial Advisors, holding a Series 66 designation and three years of industry experience. His background includes roles at companies such as Quanterix, Agia, and Your Service Staffing. Outside of financial advising, he has worked as a part-time promotions team member for the Boston Bruins. Valic Financial Advisors primarily serves U.S. individuals, including high net worth clients and employer-sponsored retirement participants, offering portfolio management and financial planning through a large network of representatives. The firm utilizes discretionary unified managed accounts and centralized technology to manage approximately $29.2 billion in assets across more than 1,200 advisors.

Andrew Gurski is a financial advisor at TD Private Client Wealth LLC with 16 years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at Fidelity Investments and Fidelity Personal and Workplace Advisors. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail clients. The firm constructs portfolios using a combination of strategic and tactical asset allocation through both affiliated and third-party sub-managers, offering financial planning support and custody services.

Amanda Etheridge is a financial advisor with Citizens Securities, Inc. in Salem, NH, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. She has been with Citizens Securities since 2010. Outside of her advisory role, she is a co-owner of an automotive maintenance business and occasionally assists with operations at a local restaurant group. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs alongside brokerage and insurance services. The firm provides both a digital advisory program and managed accounts, operating as a broker-dealer and insurance agency with connections to Citizens Bank, N.A.

Karen Byrne is a financial advisor with TD Private Client Wealth LLC in Nashua, NH, holding Series 63 and Series 66 licenses and eight years of industry experience. She has worked at TD Private Client Wealth LLC and TD Bank N.A., as well as Santander Securities and Fidelity Brokerage Services. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail TDIS clients, offering portfolio management, financial planning support, and custody through third-party custodians. The firm combines strategic and tactical asset allocation using both affiliated and third-party sub-managers.

Jonathan De Jesus is a financial advisor with Eagle Strategies (New York Life) based in Andover, MA. He holds Series 63 and Series 65 licenses and has two years of industry experience. Prior to joining Eagle Strategies, he worked at NYLIFE Securities LLC and New York Life Insurance Company. He is also involved in insurance brokering for non-registered products. Eagle Strategies serves a broad mix of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm delivers tailored advice through multiple program types and primarily manages assets on a non-discretionary basis.

Richard Snelley is a CFP® professional with 26 years of industry experience, currently affiliated with Commonwealth Financial Network in Burlington, MA. He has been with Commonwealth and its affiliated Axial Financial Group since 2006. In addition to his advisory work, he serves as a trustee for a trust outside of his branch location. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and hundreds of thousands of clients. The firm provides a broad adviser-support platform, including managed-account programs, third-party asset manager access, and custody services, and offers a diverse range of investment options.

Matthew Condon is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Hornor, Townsend & Kent, LLC. He has worked with Penn Mutual Life Insurance Company and Hornor Townsend & Kent since 2001. Outside of his advisory role, Condon is a board member and trustee of the Old Gold Rugby Club, where he helps oversee youth and high school rugby programs. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory services that emphasize client-directed implementation and oversight. The firm manages a majority of client assets on a non-discretionary basis and offers a range of investment and retirement plan consulting services.

Elisabeth Brady is a financial advisor with TLG Advisors, Inc., holding Series 63 and Series 65 licenses and nine years of industry experience. She has worked with firms including MML Investors Services, Mass Mutual Life Insurance Company, and Modern Woodmen of America. In addition to her advisory role, Brady operates as an independent insurance agent specializing in life and health insurance products. TLG Advisors, Inc. serves a diverse client base ranging from individuals to institutional investors, providing investment supervisory services, portfolio management, and comprehensive financial planning. The firm employs a manager selection process grounded in fundamental analysis and Modern Portfolio Theory, and offers a digital investment program called Starlight Portfolios that tailors allocations based on individual risk profiles.

Timothy Schmidt is a financial advisor at Mercer Global Advisors Inc. with 26 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at TD Ameritrade and Wainwright Investment Counsel. Mercer Global Advisors serves individuals, families, small business owners, and institutional clients, providing investment advisory services along with financial, tax, retirement, and estate planning. The firm’s investment strategy is based on Modern Portfolio Theory, focusing on globally diversified, risk-appropriate portfolios implemented through a combination of ETFs, index funds, separate account managers, and alternative investments.

Danny Douangchith is a financial advisor at Empower Advisory Group with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with Empower Financial since 2015. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage clients. The firm delivers services through an integrated model tied to Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and annual rebalancing.

Jean Peguero is a financial advisor at Empower Advisory Group with five years of industry experience. He holds Series 63 and Series 66 designations and has worked at GWFS Equities, Inc. and several other companies before joining Empower Advisory Group. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage account holders. The firm emphasizes long-term portfolio returns, annual rebalancing, and client savings rates through integrated services tied to Empower’s recordkeeping and administrative platforms.

Michelle Guarino is a Series 65-credentialed advisor at Focus Partners Wealth, LLC with four years of industry experience. Her prior roles include positions at The Colony Group, LLC, Connectus Wealth Advisers, NEIRG Wealth Management, LLC, New England Investment & Retirement Group, Inc., and BNY Mellon. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, families, institutions, and businesses. The firm employs a long-term, tax- and fee-sensitive investment approach within an enhanced open architecture framework, combining active and passive strategies and offering a range of discretionary and non-discretionary services.

Paul Garozzo is a CFP® professional at Focus Partners Wealth, LLC with eight years of industry experience. His prior roles include positions at Ouellette Wealth Advisory, LLC and BNY Mellon Wealth Management. Focus Partners Wealth serves a wide range of clients including individual, high-net-worth, family office, corporate, retirement plan, and institutional investors. The firm employs a long-term, tax- and fee-sensitive investment approach utilizing fundamental and quantitative analysis alongside third-party managers, and offers integrated wealth, retirement, tax, and sub-advisory services.

Robert Trudo is a financial advisor with Valic Financial Advisors in Lawrence, MA, holding Series 63 and Series 65 designations and 29 years of industry experience. He has worked at Valic Financial Advisors since 2013 and also serves as an agent with Agia, focusing on non-securities insurance products. Additionally, he is the owner of The Lake Mush LLC, an inactive entity with no current operations. Valic Financial Advisors serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet UMA models and overseeing approximately $26.4 billion in discretionary assets.

Tracy St Onge is a financial advisor at OSAIC Institutions, INC. with nine years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Infinex Investments, Inc. and Pentucket Financial Services since 2015. Outside of her advisory roles, she serves as a volunteer board member for Liz Murphy Open Hand Pantry, a nonprofit supporting a local food pantry. OSAIC Institutions serves individuals, charitable organizations, corporations, and retirement plans, offering a range of advisory and brokerage services through customized engagements. The firm’s advisors provide both advisory and brokerage solutions, employing various investment analyses and offering access to alternative investments and lending options.

John Pagliuca is a financial advisor at TIAA-CREF with three years of industry experience. He holds the Series 65 and Series 63 licenses and has been with TIAA-CREF and its predecessor firm since 2013. Outside of his advisory role, he serves on the boards and finance committees of multiple assisted living and nursing care organizations operated by the Carmelite Sisters for the Aged and Infirmed. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm’s advisory model separates one-time planning services from ongoing discretionary management and acts as adviser to a donor-advised fund while employing a fiduciary standard in its RIA services.

Drew Hefflefinger is a CFP® professional with 13 years of industry experience, currently affiliated with Commonwealth Financial Network and Acorn Financial in Nashua, NH. He has worked as an independent contractor and has experience in fixed insurance sales conducted through Acorn Financial. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors with a range of advisory programs and services, including wealth management and retirement plan consulting. The firm provides operational, trading, technology, compliance, and practice-management support, while offering advisors discretion to construct client portfolios from diverse securities and insurance products.

John Rocco is a financial advisor at Eagle Strategies (NY Life) with 13 years of industry experience. He holds the ChFC® designation and Series 63 license. His career includes roles at New York Life Insurance Company and NYLife Securities LLC since 2012, and he operates Rocco Insurance and Financial Group, focusing on New York Life products and services. He is also a shareholder of NYLARC Holding Company Inc., which reinsures life insurance policies he writes. Eagle Strategies serves individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple advisory programs tailored to client objectives and manages a predominantly non-discretionary asset base within an integrated New York Life affiliate structure.