Michael Hodge is a CFP® with 31 years of industry experience, currently affiliated with Cetera since 2026. He previously worked at Commonwealth Financial Network for 27 years and has operated Hodge Associates, Inc. since 1998, where he is president and co-owner. Outside of financial advising, he is involved in tax preparation and accounting services through Hodge Associates, Inc. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with discretionary and non-discretionary program options.

Christopher Griffin is a financial advisor at Merrill with a Series 66 credential and 10 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2015. Outside of his advisory role, Griffin is an author of science fiction works, including a published novel and ongoing writing projects. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers and serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Nicholas Pomeroy is a financial advisor with Morgan Stanley, holding a Series 66 designation and three years of industry experience. His prior roles include positions at The Bank of New York Mellon and work within the Isenberg School of Management at the University of Massachusetts. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning that utilizes structured discovery and firm-approved tools to model financial outcomes.

Emily Kenary is a financial advisor at Morgan Stanley with 16 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured discovery processes and proprietary planning tools in its services.

Jason Batista is a financial advisor with LPL Financial based in Westborough, MA, holding Series 63 and Series 65 credentials and 23 years of industry experience. He previously worked at Sagepoint Financial, Inc., SII Investments, Inc., and Legacy Advisory Services, Inc. Batista is involved with Legacy Financial Advisors, a DBA for his LPL business activities. 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 and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Daniel Grammel is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has worked at Merrill since 2009 and Bank of America, N.A. since 2011. Outside of his advisory role, he is certified as an EMT and volunteers in that capacity one day a week. Merrill, along 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, and institutions.

Dennis Arnone is a Senior Financial Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA), reflecting his commitment to providing tailored financial guidance. Dennis earned a Bachelor's Degree from Saint Michaels College. His expertise includes investment advisory services and wealth management, supporting clients in achieving their financial goals through strategic planning and personalized advice.

Patricia Hennedy is a financial advisor at Merrill with 22 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Merrill since 2014. Merrill, along 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Julie Sullivan is a financial advisor with Cetera and holds a Series 66 designation. She has two years of industry experience and is based in Worcester, MA. Prior to her current role, she has been involved with Archstone Financial since 2021, where she serves as Client Services Manager. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse investment management options through a multi-manager platform that includes affiliated and third-party model portfolios, discretionary and non-discretionary authorities, and various program structures.

Graham Merk is a financial advisor at Cambridge Investment Research Advisors with 49 years of industry experience. He holds the CFP® and ChFC® designations along with a Series 63 license. His career includes prior roles at Cetera Advisors and Securities America, among others. He serves as treasurer and board member of the First Baptist Church of Holden and volunteers as an instructor for AFES. Cambridge Investment Research Advisors serves a diverse client base including individual, pension, and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary account management through multiple platforms and provides proprietary model strategies under the Founders Gate Capital brand.

Tyler Smith is a financial advisor at Cetera with a Series 66 designation and one year of industry experience. His prior work experience includes roles at Bank of America and involvement with Evolution Baseball LLC. Cetera Investment Advisers LLC is a large SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a network of over 10,000 independent advisors. The firm offers a range of portfolio management and financial planning services with multiple program options and affiliations supporting a diverse array of investment strategies.

George Joseph is a financial advisor with Morgan Stanley in Worcester, MA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and previously at Citigroup Global Markets. Outside of his advisory work, he is involved in music as a bass guitar player and sole proprietor. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including customized financial planning, and manages approximately $2.74 trillion in client assets.

Terence O'Brien is a financial advisor at Merrill with 47 years of industry experience. He has held Series 63, Series 65, and Series 66 designations and has been with Merrill since 1978. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

William Harmer is a financial advisor with LPL Enterprise where he has worked since 2025. He holds Series 66 and Series 63 licenses and has two years of industry experience including prior roles at Northwestern Mutual Wealth Management Company and affiliated entities. Harmer is also engaged as a financial professional involved in insurance-related activities. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, and institutional entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and insurance products through its affiliated entities.

Suraj Kapur is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in delivering personalized wealth management strategies tailored to clients' individual financial situations and goals. He focuses on areas such as tax minimization, generational wealth transfer, college education planning, legacy planning, retirement income, and socially responsible investing. Suraj leverages the investment insights of Merrill and the banking solutions of Bank of America to provide comprehensive financial guidance that adapts to evolving market conditions and client needs. Suraj holds the Personal Investment Advisor (PIA) designation and completed an accredited certificate program at Worcester Polytechnic Institute. He is multilingual, speaking English, Hindi, and Punjabi, and is active in community engagement through his involvement with the New England Hindi Manch organization. Outside of his professional role, Suraj enjoys basketball, football, hiking, cooking, music, table tennis, traveling, watching movies, yoga, and spending time with his family.

Zainab Karim is a Wealth Management Advisor with Merrill Lynch Wealth Management. She works closely with clients to develop personalized financial strategies tailored to their individual goals and changing market conditions. Karim provides integrated wealth management solutions by leveraging investment insights from Merrill and the banking and lending resources of Bank of America. Karim’s expertise includes family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. She holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification from the Certified Financial Planner Board of Standards, Inc., and is a qualified Portfolio Manager. In her role, she offers traditional financial advice as well as personalized portfolio management that may incorporate individual stocks, bonds, Merrill model portfolios, and third-party investment strategies, including discretionary management under the firm's Investment Advisory Program. Karim earned a bachelor’s degree from the University of Florida. She values community involvement and participates in volunteer activities within the communities she serves. Outside of work, she enjoys cooking, golfing, spending time with her family, and watching movies.

Darren Parent is a financial advisor at Edward Jones in Worcester, MA, with 26 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked at Edward Jones since 2019, following prior roles at Voya America Equities, Inc. from 2016 to 2018. Outside of his advisory work, he is a part-time ski instructor at Mount Snow Resorts in Vermont. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a nationwide network of more than 23,000 financial advisors and over $1 trillion in assets under management.

Bryan Mcdavitt is a financial advisor with LPL Financial in Shrewsbury, MA, holding Series 63 and Series 65 licenses with 12 years of industry experience. He previously operated McDavitt Wealth Management and worked at Commonwealth Financial Network. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a wide range of investment solutions including financial planning, model portfolios, third-party asset management, and institutional platforms.

Richard Higgins is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in managing new wealth, personal retirement planning, and portfolio management services. Richard holds the Personal Investment Advisor (PIA) professional designation and earned a Bachelor's Degree from Northeastern University. Outside of his professional role, he has personal interests in football, horseback riding, music, and skiing.

Michael Mac Lean is a CFP® professional with 18 years of industry experience, currently serving as a financial advisor at LPL Financial. His career includes positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney, as well as roles with Grove Point Advisors LLC and Mercantile Private Wealth Management. He serves on the board of the Paxton Little League in Massachusetts. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, institutions, and retirement plan participants, offering a range of financial planning and investment management solutions supported by research and technology tools.