Kurt Patten is a financial advisor with Morgan Stanley in Manchester, NH, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using approved tools and models, while generally acting in an advisory capacity for clients’ financial plans.

Lawrence Depaulis is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. He holds the Series 66 designation and previously worked at UBS Financial Services Inc. for 17 years. Outside of his advisory role, he is involved with searchable.ai, providing financial advice related to short-term cash management accounts. Wells Fargo Clearing offers retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, combining IPS-driven investment processes with a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

John Skehan is a financial advisor with Mass Mutual Investors Services holding a Series 66 credential and has been in the industry since 2026. Prior to entering financial services, he worked for the Laconia Police Department and has experience in both public service and retail sectors. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, wrap programs, and educational seminars with a structured, collaborative approach to client relationships.

Julia Makris is a financial advisor at UBS Financial Services in Concord, NH, holding a Series 66 designation with three years of industry experience. She has been with UBS since 2018 and has prior work experience at the University of Connecticut and Concord Country Club. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses research from its Chief Investment Office and UBS Global Research to tailor investment strategies.

Stacey Girard is a financial advisor with Morgan Stanley in Manchester, NH, holding Series 66 and Series 63 licenses and bringing 24 years of industry experience. She previously worked at Fidelity Brokerage Services for over two decades and spent a year with The Colony Group before joining Morgan Stanley in 2023. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and provides services through both direct and employer-sponsored financial planning agreements.

Jo Anne Dexter is a Financial Advisor with Merrill Lynch Wealth Management. She works directly with clients to define their financial goals and develop personalized portfolio strategies designed to help achieve them. Jo Anne provides ongoing advice and adjusts financial plans as clients' situations evolve. Her expertise encompasses education planning, family wealth management strategies, employee financial health, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, women and wealth, and tax minimization. Jo Anne holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Jo Anne earned a Bachelor's Degree from Southern New Hampshire University. Outside of her professional role, she enjoys gardening, singing, and spending time with her family. She is involved in community activities with Founders Academy and Weston Elementary.

Patrick Shea is a Benefits & Planning Consultant specializing in Executive Services at Fidelity Investments. He collaborates with clients to enhance their financial wellbeing by optimizing benefits and developing wealth planning strategies tailored to their life goals. Patrick emphasizes understanding his clients' unique situations and needs to co-create and implement comprehensive financial plans. He has been with Fidelity Investments since 2007, holding various roles including Retirement Investment Solutions Representative, Retirement Representative, Workplace Planning Consultant, and currently Benefits & Planning Consultant. Prior to Fidelity, Patrick worked as a Small Business Account Executive at Chase Paymentech Solutions from 2008 to 2011. Outside of his professional work, Patrick has interests in movies, reading, and writing.

Natalie Norton is a financial advisor at Merrill with 10 years of industry experience. She holds Series 66 and Series 63 licenses and has been with Merrill since 2016. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Benjamin Mitchell is a financial advisor at Mass Mutual Investors Services with 17 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Foresters Advisory Services LLC and Foresters Financial Services. In addition to his advisory role, he is an insurance agent specializing in individual and group life insurance. Mass Mutual Investors Services, LLC, a subsidiary of MassMutual, serves individuals, business owners, trusts, estates, and charitable organizations by providing financial planning, asset management, and educational seminars. The firm emphasizes collaborative, goal-oriented planning using firm-approved analytical tools and offers various specialized financial planning services.

Denise Petrin serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. Her professional focus includes providing investment solutions tailored to small businesses, women, the LGBTQ+ community, military veterans, and retirees. Denise adopts a holistic approach to financial advising, integrating investment and retirement planning, wealth preservation, estate and legacy planning, and coordination with other trusted professionals to create personalized financial strategies. With over 30 years of experience in banking and wealth management, Denise helps clients and their families build, manage, preserve, and transition wealth. She emphasizes creating strategies aligned with clients' life stages, including preparing for and navigating retirement. Denise collaborates closely with clients to understand their goals and develop individualized plans aimed at sustainable income, wealth protection, and legacy preservation. Her community involvements include active roles with veterans organizations such as Veterans Count and the American Legion Women’s Auxiliary. Denise is a native of New Hampshire and holds professional designations including Accredited Asset Management Specialist (AAMS), Accredited Domestic Partnership Advisor (ADPA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She completed a non-accredited certificate program at Southern New Hampshire University. She is a member of multiple professional organizations, including the Concord Chamber of Commerce, Manchester Chamber of Commerce, Hooksett Chamber of Commerce, One Church, and the American Legion Auxiliary. Outside her professional and volunteer commitments, Denise enjoys outdoor activities such as biking, camping, and hiking, and values spending time with her family, including her five granddaughters.

Owen Mcgarrahan III is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Private Bank, N.A. since 2015, and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including customized financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services through both direct and corporate financial planning agreements.

Pieter Hollenberg is a financial advisor with RBC Capital Markets in Concord, NH, holding a Series 66 designation and 23 years of industry experience. He has been with RBC Capital Markets Corporation since 2008. Outside of his advisory role, he serves on the Regional Advisory Board of the New Hampshire Charitable Foundation and holds a position on the Board of Directors for the Rotary Club of Concord as well as the Capitol Center for the Arts. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations, offering tailored investment programs and portfolio management through a combination of in-house and third-party resources.

Emily Hoffman is a financial advisor at RBC Capital Markets in Concord, NH, holding a Series 66 designation. She joined RBC Capital Markets in 2024 and has prior experience in the healthcare and education sectors, including roles at Concord Family Vision, PLLC, Visionworks, and the University of Massachusetts Amherst. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with tailored investment strategies, financial planning, and custody services. The firm offers a range of advisory programs and utilizes both in-house and third-party investment managers to implement discretionary and non-discretionary portfolios.

Keith Mc Ewen is a financial advisor at RBC Capital Markets in Nashua, NH, holding a Series 66 designation with six years of industry experience. He previously worked at State Street Bank & Trust and Olympia Moving and Storage. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutions, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management, tailored to each client’s Advisory Risk Profile and implemented through a combination of in-house and third-party managers.

John Di Ruggiero is a financial advisor with MassMutual Investors Services in Bedford, NH, holding Series 63 and Series 65 licenses and having nine years of industry experience. He has been with MML Investors Services since 2016 and MassMutual Life Insurance Company since 2015. Outside of his advisory role, he is involved in insurance sales through Lionstreet and manages a financial services partnership called Highstreet Insurance Partners. MassMutual Investors Services operates as a subsidiary of MassMutual, providing financial planning and investment advisory services to individuals, business owners, trusts, and charitable organizations. The firm offers asset management, wrap and money-manager programs, and educational seminars, structuring financial planning as annual, collaborative engagements without discretionary authority.

David Crespo is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and bringing 14 years of industry experience. His career includes roles at Mutual of America Securities LLC and Mutual Of America Life Insurance Company, as well as involvement with Axis Coach and Primerica Financial Services. He also receives non-investment related compensation for part-time referrals of home security and automation products and other home-related services. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm delivers advisory services through a large network of advisors using model-delivery strategies managed by unaffiliated asset managers and offers discretionary separately managed account options.

Robert LaRocque is the Director and Executive Services Officer at Fidelity Investments, where he supports senior executives with all matters related to company equity compensation plans. In this role, he focuses on providing a customized experience that emphasizes benefit optimization and comprehensive planning by leveraging Fidelity's resources. He has been with Fidelity Investments since 2005, holding various positions including Executive Services Officer since 2015, Senior Manager in Portfolio Advisory Services from 2014 to 2015, Manager in Stock Plan Services from 2010 to 2014, Senior Stock Plan Specialist from 2006 to 2010, and Stock Plan Services Representative from 2005 to 2006. His expertise includes diversification strategies, comprehensive trading plans, price sensitivity, and option analytics. Outside of his professional responsibilities, Robert enjoys boating, family activities, spending time at the lake, scuba diving, skiing, and traveling.

Sean Doyle is a Wealth Management Advisor and Managing Director at Merrill Lynch Wealth Management. Since joining Merrill Lynch in 1997, he has developed extensive experience over more than 30 years in the financial services industry, providing advice and services focused on wealth management. Sean leads investment initiatives, crafting portfolios tailored to client objectives, cash-flow needs, and risk tolerances. He works closely with high-net-worth clients, including business owners and executives, to address complex financial situations and collaborates with external tax and legal advisors to create integrated strategies involving legacy design, tax-efficient investments, and business structuring. His client focus areas include college education planning, divorce transition planning, family wealth management strategies, retirement income, and philanthropic planning among others. Sean holds a Bachelor of Science degree in Business Management from Bentley College and earned his Master's Degree in Business Administration from Rivier College. He has obtained several professional designations including the Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Sean maintains a commitment to educating clients to preserve and grow their assets while considering comprehensive financial planning elements such as estate planning and tax preparation services. Residing in Londonderry, New Hampshire, Sean lives with his wife Rachael and their three children. Outside of his professional duties, he enjoys outdoor activities including boating, fishing, golfing, hiking, and photography. Sean is involved in his community through participation with St. Jude's Church and volunteering at the St. Jude Food Pantry and Blue Angel Program.

Lara Chulack is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Christopher Bartman is a financial advisor at Fidelity with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with various Fidelity divisions since 2005. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm uses proprietary research combined with quantitative analysis and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.