Jeremy Walton is a financial advisor at OSAIC with a Series 66 designation and one year of industry experience. Prior to joining OSAIC, he worked at Coastal Wealth Management and has professional experience outside finance, including six years at Portsmouth Ford Used Car Center and roles at City Wide of Boston and Hertz Local Edition. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers a range of services such as brokerage and investment advisory, financial planning, and access to third-party money managers, utilizing various portfolio construction tools and multiple advisory platforms.

Noah Roffman is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and five years of industry experience. His prior work includes roles at The Prudential Insurance Company of America and Pruco Securities LLC, as well as experience as a self-employed trader and involvement with the Massachusetts Technology Leadership Council. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and corporations, offering financial planning, advisory services, and access to a range of brokerage and insurance products through an integrated platform.

Gregory Costa is affiliated with Cambridge Investment Research Advisors and has been with the firm since 2026. He has over 20 years of experience at Turner & Costa PC, where he has worked since 2002. Cambridge Investment Research Advisors is a large SEC-registered adviser serving a diverse client base, including individuals, retirement plans, charitable organizations, and estates. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, employing a variety of portfolio management strategies and platform solutions.

Janis Larsen is a Series 66-licensed financial advisor at Morgan Stanley with 16 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Joseph Matta is a financial advisor with Ameriprise who holds a Series 63 designation and has 26 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of advising, he is involved with American Studios LLC, a business focused on property development and condo sales. Ameriprise offers retirement-income planning services primarily for clients approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary retirement income recommendations through a centralized consulting team.

Brian Sullivan is a CFP® professional with nine years of experience in the financial services industry. He is currently with Raymond James Financial Services Advisors, Inc. and has previous experience at LPL Financial. Sullivan is the owner and president of Primary Financial Advisors LLC, a support company based in Amesbury, MA. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, and institutional investors. The firm provides tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public finance work through a unique municipal advisor affiliation.

Inga Baneviciene is a financial advisor with Morgan Stanley in Middleton, MA, holding Series 63 and Series 65 credentials and bringing 12 years of industry experience. Her career includes roles at Morgan Stanley Smith Barney LLC since 2022 and Citizens Securities, Inc. from 2016 to 2022. She also serves as a Notary Public. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer managing approximately $2.74 trillion in client assets. The firm offers a range of advisory programs to individuals and institutions, emphasizing structured financial planning supported by firm-approved tools and methodologies.

Robert Kochakian is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he co-leads Degraeve, Kochakian & Associates, a full-service wealth advisory practice with offices in Andover, Beverly, and Boston, Massachusetts. He works with individuals, families, and businesses to develop personalized wealth management plans and investment strategies focused on achieving clients' meaningful financial goals. His areas of expertise include corporate executive services, education planning, executive compensation, equity compensation services, liquidity management, managing new wealth, personal retirement planning, tax minimization, and retirement income. Rob joined Merrill Lynch Wealth Management in 2016 after ten years with U.S. Trust Family Office and earlier experience with Fidelity Investments. He earned his Bachelor of Science degree in Computer Science from the University of Lowell and holds an MBA from Babson College. Rob is a CERTIFIED FINANCIAL PLANNER® certificant awarded by the Certified Financial Planner Board of Standards, Inc., and holds the Certified Private Wealth Advisor® designation awarded by the Investments & Wealth Institute®. He is also a Personal Investment Advisor (PIA). Rob enjoys spending time with his family and is an active member of the community. He speaks English and Armenian.

Tracy Shea is a CFP® with 17 years of industry experience, currently affiliated with LPL Financial in Chelmsford, MA. Her career includes roles at Bay Financial Advisors, Metro Financial Strategies, Raymond James Financial Services, and Kaleel Investment Advisors. Outside of her advisory work, she serves as a notary in Massachusetts and contributes as a material updater for NOLO Publishing. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, and institutions. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Brian Becker is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management. He holds the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc., and has over 30 years of experience as a financial advisor. Brian specializes in areas including Retirement Income Planning, College Funding Analysis, Asset and Investment Allocation Analysis, Risk Management and Insurance Analysis, Cash and Liquidity Management, and Credit Management. Brian graduated cum laude from the University of Massachusetts Lowell with a business degree and has attended advanced finance and management courses at the Wharton School of Business and Purdue University. He develops customized wealth management plans aimed at helping clients pursue their long-term financial goals, maintaining an ongoing review process to oversee the progress of these plans annually. Outside of his professional role, Brian resides in New Hampshire with his wife Jennifer and their two sons. His personal interests include boating, fishing particularly fly fishing, reading, and spending time with his family.

Jeffrey Arouth is a financial advisor with Ameriprise in Salem, MA, holding Series 63 and Series 65 designations and bringing 27 years of industry experience. Before joining Ameriprise in 2021, he worked at Salem Five Cents Savings Bank and LPL Financial from 2010 to 2021. Ameriprise offers a retirement-income planning service tailored for clients approaching or in retirement with substantial investable assets, providing detailed recommendation reports based on research, modeling, and tax analysis. The firm combines advisory, brokerage, and insurance solutions through affiliated entities, with a focus on managed accounts and algorithmic support in its retirement income planning.

John Segal is a financial advisor with Raymond James Financial in Westford, MA, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. He has worked at Raymond James Financial since 2020 and previously held roles at Wells Fargo Clearing and Wells Fargo Advisors LLC from 2009 to 2020. He owns and operates North Road Wealth Partners as an independent contractor. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and corporate clients. The firm uses tailored, non-discretionary planning supported by analytical tools and also offers municipal advisory services and specialized retirement plan consulting.

Justin Knight is an Investment Consultant at Fidelity Investments, a role he has held since 2026. He specializes in partnering with individuals and families to develop financial plans tailored to their unique goals and needs, focusing on building and maintaining retirement and investment strategies that provide confidence and clarity for both the present and long term. Justin has accumulated a range of experience within Fidelity Investments, having held positions including Planning Consultant from 2024 to 2026, Relationship Manager in 2024, Financial Representative from 2023 to 2024, and Customer Relationship Advocate from 2022 to 2023. This progression reflects his extensive involvement in client-facing roles related to investment and financial planning services. Outside of his professional work, Justin enjoys a variety of outdoor activities including boating, football, golf, outdoor adventures, and skiing.

Scott Hanley is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 licenses and possessing 32 years of industry experience. He has been affiliated with Raymond James Financial since 2015. Outside of his advisory role, Hanley serves as a trustee of the Hanley Family Trust alongside his family members. 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 and profit-sharing plans, corporations, charitable organizations, and institutions. The firm offers tailored non-discretionary planning and consulting, utilizing risk profiling and analytical modeling, and supports a broad network of advisors with various specialized services.

Nicholas Kuba is a financial advisor with Fidelity, holding Series 63 and Series 66 designations and 14 years of industry experience. He has been associated with Fidelity Investments since 2011, including roles at Fidelity Personal and Workplace Advisors and Fidelity Investments. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs proprietary fundamental research combined with quantitative analysis and algorithmic portfolio construction to develop model portfolios that it delivers to intermediary platforms.

Andrew Lefebvre is a CFP® professional with 24 years of experience in financial advisory. He is currently affiliated with OSAIC and previously worked at Vaillancourt & Lefebvre Wealth Management, Vaillancourt & Pescatore Financial Group, and Sagepoint Financial, Inc. Lefebvre is also an enrolled agent and partner at VL Accounting, LLC, where he provides tax preparation, filing, advice, and planning services. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, financial planning, and access to various managed account solutions through a large network of affiliated advisers.

Patrick Kiritsy is currently a Branch Leader at Fidelity Investments, where he leads a team of financial professionals focused on partnering with families to develop sound and sustainable financial plans. His role includes supporting his team to create client experiences that meet a high standard of care and professionalism. Patrick has held several positions at Fidelity Investments, including Team Leader roles in Executive Services and Workplace Planning & Advice, as well as positions such as Help Desk representative in Workplace Planning & Advice and Workplace Planning Consultant. These roles have contributed to his expertise in financial planning and leadership within the company. Outside of work, Patrick has interests in fitness, golf, music, pets, running, and traveling.

James Figueira is a financial advisor with Primerica Advisors in Londonderry, NH, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. His work history includes roles at PFS Investments, Inc. and Primerica Financial Services dating back to 2004. Outside of his advisory work, he is the founder of the Concord NH Breakfast Club, a local networking group. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm operates on a large scale with thousands of advisors and offices and uses model-driven investment strategies managed by unaffiliated asset managers.

Brian Rossano is Senior Resident Director at Merrill Lynch Wealth Management. He brings over 30 years of experience serving affluent individuals and corporations, with a focus on wealth preservation and growth through tailored financial advisory relationships. Brian’s expertise includes retirement planning, legacy planning, executive compensation, equity compensation services, and corporate retirement benefits consulting. He previously served as Branch Manager of the Beverly, MA office and spent 22 years working with Merrill clients from Boston, specializing in managing stock option and 401(k) plans. Brian holds several professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Equity Plan Consultant (EPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned his bachelor's degree from Hartwick College. Brian is involved in community organizations such as the Elks and St. Peters Club. His approach centers on creating customized wealth management strategies based on a comprehensive understanding of clients’ financial situations, priorities, and risk tolerance. Outside of work, he enjoys boating, running, and traveling.

David Sailor Jr. is a financial advisor at Edward Jones in Londonderry, NH, holding the ChFC® and Series 63 designations with 27 years of industry experience. He has been with Edward Jones since 1999. Outside of his advisory role, he is listed as a partner in a technical sales consulting firm established by his wife, though he has no responsibilities or involvement in the company. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a broad range of advisory programs and investment solutions supported by a nationwide network of more than 23,700 financial advisors.