Michael Micciche is a financial advisor with Ameriprise in Sudbury, MA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with Ameriprise and its affiliated entities since 2015. Outside of his role at Ameriprise, he is an Associate Financial Advisor and Operations Manager at Net Flows, LLC, where he works with advisors and their clients. Ameriprise provides a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, offering written recommendation reports that address income sources, Social Security, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis, delivering recommendations through a centralized consulting team in partnership with client advisors.

Robert Todisco is a Financial Consultant at Fidelity Investments, a position he has held since 2021. He has been with Fidelity Investments since 2015, progressing through roles including Planning Consultant, Relationship Manager, Financial Representative, Workplace Planning and Guidance Consultant, and Workplace High Engagement Team Representative. In his professional capacity, Robert works with individuals, families, and businesses to prioritize their goals and develop wealth plans that align with their visions. His experience encompasses financial planning and client relationship management. Outside of his professional work, Robert's personal interests include boating, family activities, golf, parenthood, pets, and traveling.

Arushee Divyakirti is a Financial Advisor at Merrill Lynch Wealth Management. In this role, she collaborates with individuals and families to identify and develop tailored financial strategies that span short-, mid-, and long-term goals. Her client focus areas include college education planning, liquidity management, personal retirement planning, philanthropic planning, women and wealth, tax minimization, and retirement income. With over a decade of experience, Arushee provides comprehensive guidance ranging from general investing to retirement planning and savings strategies. She partners with Bank of America specialists to offer clients additional banking, credit, home financing, and small business solutions. Arushee holds a Bachelor's Degree from the University of Delhi, a Master's Degree from Western Michigan University, and has completed an Accredited Certificate Program from the Hindu Institute of Management. She also holds the Personal Investment Advisor (PIA) professional designation and is licensed under NMLS#2430426. Fluent in English and Hindi, Arushee is involved with the community organization Ekal Vidyalaya USA. Outside of her professional responsibilities, she enjoys camping, cooking, hiking, spending time with her family, and watching movies.

Isabel Lopes is a financial advisor at Morgan Stanley with 19 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009 and holds the Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools.

John Mazzone is a financial advisor with OSAIC, holding Series 63 and Series 66 credentials and nine years of industry experience. He has worked at multiple firms, including SagePoint Financial, Citizens Securities, Wells Fargo Clearing Services, and Santander Securities. Outside of his advisory role, he owns a sole proprietorship called John’s Cord Wood, which provides tree removal and arborist services. OSAIC serves a diverse client base ranging from individual investors to institutions, offering integrated brokerage and advisory services through a large network of advisors and multiple platforms. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Brent Fisk is a financial advisor with LPL Financial in Worcester, MA, holding a Series 66 designation and over 20 years of industry experience. His prior roles include positions at Edward Jones, Travis Credit Union, CUNA Brokerage Services, CUNA Mutual Group, S&P Global, and Sammons Retirement Solutions. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Carter Castillo is a financial advisor at Fidelity with Series 66 and Series 63 credentials and one year of industry experience. Prior to joining Fidelity, he has held positions at companies including PepsiCo and Amazon. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery through a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction.

Michael Crotty is a financial advisor at Cambridge Investment Research Advisors with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cambridge since 2016. Crotty serves as an independent insurance agent and is a board member and treasurer of a nonprofit organization that provides grants for schools. He also holds a board position with the Massachusetts chapter of the National Association of Insurance and Financial Advisors. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent financial professionals, utilizing a variety of portfolio management approaches and custody platforms tailored to client objectives.

Scott Vander Veen is a financial advisor at LPL Enterprise with seven years of industry experience. He holds the Series 63 and Series 66 credentials. His prior work includes roles at MassMutual, MML Investors Services, The Prudential Insurance Company of America, and other financial services firms. LPL Enterprise serves a broad range of clients including individuals, retirement plans, charitable organizations, corporations, and institutional investors through advisory and brokerage channels. The firm offers financial planning, investment advisory services, and access to model portfolios, combining adviser programs with sales of financial products and insurance via affiliated entities.

Michael Christy is a financial advisor at Fidelity with 12 years of industry experience. He holds a Series 66 designation and has been associated with various Fidelity entities since 2013. Outside of his advisory role, he serves as chairman of the board of trustees for Venerini Academy, a private educational institution for grades pre K-8. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Daniel Hoban is a financial advisor at Ameriprise with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Ameriprise and its affiliate since 2009. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendation reports, using a centralized consulting team and algorithmic tools to support tailored retirement income strategies.

Daniel Riley is the Vice President, Wealth Planner at his current firm. He holds the designation of CERTIFIED FINANCIAL PLANNER™ which underscores his commitment to partnering with clients to understand their personal and financial priorities. He works closely with clients to co-create financial plans aimed at providing peace of mind, enabling them to concentrate on what matters most to them and their families. Daniel has professional experience spanning several roles in the financial services sector. He has been a Financial Consultant at Fidelity Investments since 2023, after serving as an Investment Consultant there from 2021 to 2022. Prior to that, he worked as a Financial Advisor at Equitable Advisors LLC from 2019 to 2021. Outside of his professional work, Daniel enjoys activities such as baseball, boating, fishing, fitness, football, and outdoor adventures.

Michael Mazeika is a financial advisor with Morgan Stanley in Worcester, MA, holding Series 63 and Series 65 credentials and possessing 26 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Outside of his advisory role, Mazeika manages multifamily rental properties as a 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 and tailored financial planning services supported by structured planning tools and market modeling techniques.

Ryan Fitzpatrick is an Investment Consultant at Fidelity Investments. In this role, he collaborates closely with individuals and families to build comprehensive wealth plans tailored to their personal and financial needs, aiming to help them work toward their financial goals with confidence and clarity. Ryan's professional experience includes positions at Fidelity Investments starting in 2023, progressing from Financial Representative to Relationship Manager before becoming an Investment Consultant. He also completed an internship in US Retail Wholesale at MFS Investments in 2022. Outside of his professional work, Ryan's personal interests include attending concerts, fishing, fitness, golf, running, and yoga.

Brian Waters is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 43 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Waters serves as a trustee and co-executor for family trusts and estates in Shrewsbury, MA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related investment options alongside traditional vehicles.

H. Muscatello is a financial advisor with LPL Financial in Westborough, MA, holding the Series 66 designation and possessing 23 years of industry experience. Prior to joining LPL Financial in 2009, he worked at Bay Financial Advisors Inc. from 2015 to 2021. Outside of advisory services, he is involved with Bay Financial Associates LLC, where he devotes part of his time to the sale and service of traditional insurance products, including life insurance and fixed annuities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charities. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management with access to model portfolios, research, and a variety of specialized financial products.

John Lamontagne is a financial advisor at Cetera with over 31 years of industry experience. He holds Series 63 and Series 66 credentials and has a background in insurance and employee benefits sales through various related agencies. Lamontagne is also a member of The Worcester Economics Club, a local networking organization. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, 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 approaches.

Patricia George is a financial advisor with Wells Fargo Advisors in Leicester, MA, holding Series 63 and Series 66 licenses and 26 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC. Wells Fargo Advisors is a large institutional firm serving a broad client base with a range of investment services.

Michael Judd is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds the Series 66 designation and has worked with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers tailored financial planning and a range of advisory programs, managing approximately $2.74 trillion in client assets.

Ryan Balcom is a Financial Consultant at Fidelity Investments, where he has been serving clients since 2024. He is dedicated to helping clients achieve their financial goals by collaboratively developing and implementing tailored financial plans that address the unique needs of individuals and families. Ryan has extensive experience in the financial services industry, having held various roles at Fidelity Investments since 2010. His positions have included Planning Consultant, Relationship Manager, Investment Consultant, Financial Representative, Premium Services Representative, and Client Services Representative. This progression reflects his deep knowledge and commitment to the financial planning process. Outside of his professional work, Ryan engages in activities such as bowling, fitness, and football. He values family activities, parenthood, and spending time with pets.