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.

Dawn Smith is a financial advisor with Ameriprise who holds a Series 63 designation and has 33 years of industry experience. She has been with Ameriprise and its affiliate firms since 2005. Outside of advising, she owns a sober house for women in the Massachusetts Metrowest area and serves on the Board of Directors for the Hopkinton Chamber of Commerce. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary retirement income recommendations through a centralized consulting team.

Leah Coco is a Financial Consultant at Fidelity Investments, where she partners closely with clients to help them make confident, informed decisions about their financial futures. She collaborates with the Wealth Management Team to co-create holistic and personalized financial plans that reflect each client's goals, priorities, and values. Leah has extensive experience in the financial services industry, having held various roles at Fidelity Investments since 2013, including Branch Leader and Team Leader in multiple departments such as Investment Solutions, Stock Plan Services, and Client Services. Prior to Fidelity, she worked as an Associate Financial Advisor at Ameriprise Financial and as a Registered Representative at Northwestern Mutual. Her career also includes leadership experience as a Team Leader in Defined Contributions at Putnam Investments. Outside of her professional responsibilities, Leah enjoys spending time at the beach, engaging in fitness activities, and hiking.

Amir Hossein Tajiki is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes positions at Bank of America, Uber, Lyft, and teaching roles at Hult International Business School and the University of Tehran. He also has experience operating an international food market and deli. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Richard Bagby is a financial advisor with LPL Enterprise, holding Series 63, 65, and 66 licenses and six years of industry experience. His prior roles include positions at Edward Jones, JPMorgan Chase Bank, and Fidelity Brokerage Services. Outside of finance, he was self-employed with 21 Lacrosse, Inc. for 17 years. LPL Enterprise provides investment advisory and brokerage services to individuals, high-net-worth investors, retirement plans, and institutional clients. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and insurance product facilitation through affiliated entities.

Drew Smith is a Vice President and Financial Consultant with over two decades of experience in the financial services industry. He has held roles at Fidelity Investments from 2022 to 2025 and was a Wealth Advisor at Charles Schwab from 2002 to 2022. Throughout his career, Drew has collaborated with families to develop comprehensive financial plans aimed at achieving their financial goals. He focuses on understanding the personal and professional priorities of his clients to build tailored strategies that provide financial peace of mind.