Trey Howes is a Financial Consultant at Fidelity Investments, where he collaborates with clients and families to develop comprehensive financial plans aligned with their goals. He has been with Fidelity Investments since 2022, progressing through several roles including Financial Representative, Relationship Manager, and Planning Consultant before assuming his current position in 2026. His career reflects experience in client relationship management and financial planning. Trey's professional journey at Fidelity demonstrates his commitment to helping clients navigate their financial futures through tailored consulting. Outside of his professional life, he has personal interests that include baseball, fishing, fitness, spending time at the lake, outdoor adventures, and caring for pets.

Sydney Pare is a Planning Consultant at Fidelity Investments, where they collaborate with families to understand their priorities, preferences, and financial goals. In this role, Sydney focuses on developing comprehensive financial plans that align with clients' overall financial situations. Sydney has held several positions at Fidelity Investments since 2021, including Relationship Manager, Financial Representative, High Net Worth Service Associate, and Customer Relationship Advocate. This progression reflects Sydney's experience in client relationship management and financial services within the company. Specific details regarding Sydney's education, credentials, personal interests, or community involvement were not provided.

Francis Randall is a financial advisor with LPL Financial in Worcester, MA, holding Series 63 and Series 65 credentials and 18 years of industry experience. His prior roles include positions at Edward Jones, Principal Securities, and Newport Group. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives, offering a range of advisory programs, financial planning, and brokerage services.

Joseph Murphy is a financial advisor at LPL Financial with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at LPL Financial since 2025. His prior experience includes roles at Millbury Federal Credit Union and CUSO Financial Services, LP. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

Sheila Bulak is a financial advisor with Morgan Stanley, holding a Series 66 designation and 28 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and previously at Citigroup Global Markets beginning in 2006. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and offers planning services both directly and through corporate agreements.

Mark Bernier is a financial advisor with Edward Jones in Worcester, MA, holding Series 63 and Series 66 licenses and with 21 years of industry experience. He has worked at Edward Jones since 2004. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.

Christian Grundel is a financial advisor with Cetera, holding the CFP® designation and Series 66 and 63 licenses, and has 18 years of industry experience. His prior experience includes roles at Financial Engines Advisors L.L.C., Arrow Wealth Management LLC, and Sovereign Wealth Partners. Outside of advising, he is a writer and producer of fiction podcasts and serves as a board member of the West Warwick Public Library. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting both discretionary and non-discretionary investment strategies.

Susan Watson is a financial advisor with OSAIC, holding Series 65 and Series 63 licenses and seven years of industry experience. She has worked at OSAIC since 2023 and previously at Sagepoint Financial and Legacy Financial Advisors. In addition to her advisory role, she serves as an operations manager at Synergy Wealth Partners, providing client support and business management to financial advisors. OSAIC Wealth, Inc. serves a diverse client base including individuals, institutions, and charitable organizations through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and advisory services, employs firm-provided asset-allocation tools and automated rebalancing, and supports various third-party managed-account solutions.

Paul O'Malley is a financial advisor at OSAIC with five years of industry experience and holds a Series 66 designation. His prior roles include positions at SagePoint Financial and Securian Advisors of New England, and he also operates an accounting and tax preparation business under James A. O'Malley, C.P.A. Additionally, he offers clients fixed insurance products as part of his other business activities. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers, providing brokerage and advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios that include various investment types, with options for discretionary and non-discretionary accounts.

Samuel Grudzien is a Planning Consultant at Fidelity Investments, where he has been serving clients since 2022. He approaches financial planning with a focus on frugality, integrity, and empathy, emphasizing thoughtful and judgment-free client relationships. Samuel listens carefully to clients to help them make informed decisions based on their individual goals and values. His professional experience centers on workplace planning, providing guidance to clients to support their financial well-being. Outside of his professional role, Samuel enjoys cooking and baking, as well as participating in activities such as golf, running, and snowboarding.

Francis Novak is a financial advisor at Morgan Stanley with 41 years of industry experience. He holds a Series 63 designation and has worked at Morgan Stanley and Wells Fargo in various advisory capacities since 2015. Novak is based in Worcester, MA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market outlook models.

Lisa Casillo is a financial advisor at Edward Jones with 16 years of industry experience and holds a Series 66 designation. She has been with Edward Jones since 2009. Casillo is also an author of the industry-related book "How to Not Die Broke." Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over 23,700 financial advisors and $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment solutions under a fiduciary standard.

Madison White is a Series 66-licensed financial advisor with two years of industry experience. She is currently affiliated with Cambridge Investment Research Advisors and previously worked at Pruco Securities LLC and IA Financial Advisors. Outside of finance, she has experience in education and retail, including roles at University of Massachusetts Amherst, Shepherd Hill Regional High School, and WOW Dancewear. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent advisors using a variety of portfolio management approaches and custody arrangements.

Nancy Malone is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 designations and 18 years of industry experience. She has been associated with Raymond James Financial Services since 2008 and with Wheelhouse Wealth Advisors since 2015. 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, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and uses analytical tools to support client goals, with specialized services such as municipal advisory work and SIMPLE IRA Employer Advisory & Consulting programs.

Scott Louder is a financial advisor with Raymond James & Associates who holds Series 63 and Series 65 designations and has 32 years of industry experience. He has been with Raymond James & Associates since 2015. Outside of his advisory role, he serves on the finance and investment committee for the nonprofit Urban Missionaries in Worcester, MA. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary services.

Heather Freeman is a Wealth Management Advisor with Merrill Lynch Wealth Management. She joined the firm in 2006 and focuses on serving high-net worth clients, providing advice and guidance aimed at long-term financial success. Heather specializes in areas including college education planning, executive and equity compensation, family wealth management, personal retirement planning, philanthropic and socially responsible investing, special needs planning strategies, and women and wealth. With over 20 years of experience in financial services, Heather holds several professional credentials: the CERTIFIED FINANCIAL PLANNER® (CFP) certification, the Chartered Financial Consultant® (ChFC) designation, the Chartered Retirement Planning Counselor™ (CRPC) designation, and the Personal Investment Advisor (PIA) designation. She earned a Bachelor of Science degree in International Business with a concentration in Finance from the University of Tampa and received her MBA from Quinnipiac University. Heather is involved in her local community through financial literacy initiatives, volunteering as a Dollar Scholar Facilitator with the United Way, and serving on the United Way Women’s Initiative. She has also contributed to the Girl Scouts of Central and Western Massachusetts as a finance committee member and board director, as well as the Young Professional Women’s Association in Worcester. In addition to her professional and philanthropic commitments, Heather enjoys running and coaching rowing.

Nicholas Pucillo is a Series 66 licensed financial advisor at Fidelity with one year of industry experience. His prior work includes roles in education with Bentley University and the Acton-Boxborough School District. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including model portfolios built from mutual funds, ETFs, and ETPs.

Brian Pelczarski is a financial advisor at LPL Financial with 22 years of industry experience. He holds the Series 66 designation and has previously worked at Voya Financial Advisors. Outside of his advisory role, he is the owner of Commonwealth Consulting Group LLC, a non-investment-related business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm provides a range of advisory programs, financial planning, and retirement consulting, supported by research and diverse investment strategies.

Stephen Hall is the sole advisor at Yarrington Management Company, an independent firm based in Westborough, MA. He holds Series 63 and Series 65 licenses and has 21 years of industry experience. Prior to founding Yarrington Management Company in 1999, Hall became a partner at Higley Hall & Company, Inc., where he advises boards of banks, credit unions, and trust companies on senior management and policy issues. Yarrington Management Company provides independent advisory services with a focus on personalized client engagement.

William Holder is the sole advisor at Holder & Company, Inc. in Princeton, Massachusetts, where he has worked since 1984. He holds the CFA® designation and Series 63 license, with 32 years of industry experience. Mr. Holder serves as a Trustee of Trust Funds for the Town of Princeton, an unpaid volunteer position involving investment oversight and financial review. Holder & Company, Inc. is an independent registered investment adviser managing approximately $35.3 million for about 49 primarily individual clients. The firm provides portfolio management services mostly on a non-discretionary basis, offering recommendations while clients retain trading authority.