John Maher is a CFA® charterholder with over 31 years of industry experience. He has been with Cetera and its affiliated entities since 2013. Outside of his advisory role, he is a co-owner of a vacation rental property in Snowmass, Colorado. Cetera Investment Advisers LLC is a large SEC-registered multi-manager platform that serves a broad range of clients including individuals, retirement plans, and institutional accounts, offering both discretionary and non-discretionary portfolio management and access to third-party money managers.

Michael Fratto is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2019. He has been with Fidelity Investments since 2005, serving in various positions including Financial Consultant, Investments Representative, and Financial Representative. Prior to joining Fidelity, he worked at Smith Barney from 2000 to 2004, where he held the roles of Sales Assistant and Financial Consultant. Michael supports his clients in pursuing their financial goals through a process of planning, implementation, and ongoing monitoring. He holds a California Insurance License. Outside of his professional work, Michael enjoys family activities, football, and traveling.

Ryan Laliberte is a Series 66-credentialed financial advisor at Edward Jones in Gardner, MA, with 14 years of industry experience. He has been with Edward Jones since 2011. Outside of his advisory role, he serves as a director for Gardner Square, helping to connect local businesses with the community through board involvement. 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 23,700 financial advisors and over $1 trillion in assets under management.

Richard Moore Jr. is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been affiliated with Cetera Advisors LLC since 2013 and transitioned to Cetera in 2024. Outside of his advisory role, Moore is the owner of a travel baseball program, Energy Athletics, and serves as a notary public. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers across various program structures.

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.

David Mingori is a financial advisor at Mass Mutual Investors Services with 33 years of industry experience. He holds a Series 63 designation and has worked with Mass Mutual Investors Services since 2017, following prior roles at MassMutual Life Insurance Company and MetLife Securities Inc. Mingori is also an independent insurance agent specializing in life, accident, health, and long-term care insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, using firm-approved tools to support collaborative, goal-oriented planning engagements.

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.

Michael Jankovic is a financial advisor with Merrill, holding a Series 66 designation and 14 years of industry experience. He has been with Merrill since 2012. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Matthew Sparrow is a Senior Financial Advisor at Merrill Lynch Wealth Management. He joined Merrill Lynch in 2008 after working with Morgan Stanley and Smith Barney beginning in 2002. In 2015, he joined the O'Brien Sparrow Wealth Management Group, where he continues to provide investment management and wealth planning services. Matthew received a Bachelor's Degree in Economics and Finance from Bentley University and holds the Portfolio Manager designation. He focuses on working with individuals, families, corporate executives, and institutions in areas including investment management, wealth planning, college education planning, corporate executive services, divorce transition planning, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. Matthew resides in Hopkinton with his wife and four children. His personal interests include football, tennis, spending time with his family, and traveling.

Joseph Delano Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has been with LPL Financial and its predecessor firms since 1991. He serves as a board member for St. Mary’s Credit Union, a nonprofit organization. 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 range of financial planning and investment management solutions supported by a large network of investment adviser representatives and extensive operational resources.

Susan Watson is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and seven years of industry experience. She previously worked with Sagepoint Financial and Legacy Financial Advisors. Outside of her advisory role, she manages operations at Synergy Wealth Partners, LLC, providing client support and business management to fellow advisors. OSAIC serves a diverse client base including individual, high-net-worth, corporate, pension, and charitable clients. The firm offers integrated brokerage and advisory services using asset-allocation tools, third-party managers, and automated rebalancing to construct portfolio solutions across multiple investment types.

Paul O'Malley is a financial advisor at OSAIC with six years of industry experience. He holds a Series 66 designation and has worked at several firms, including SagePoint Financial and Securian Advisors of New England. In addition to his advisory work, he is an accountant providing tax preparation and general accounting services through his own CPA practice. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs various asset-allocation tools and supports discretionary and non-discretionary management across diverse investment types.

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.

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.

David Brown is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and previously worked at BlackRock and The 33rd Team. Prior to his advisory career, he was employed by the University of Massachusetts, Amherst and Braintree Public Schools. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-planning advice focused on income sources and tax-aware withdrawal strategies.

Kerri Nadeau is a Series 66-credentialed financial advisor with Edward Jones, where she has worked since 2010. She has five years of industry experience and is based in Fitchburg, MA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies and maintaining a large network of advisors and branch offices nationwide.

Diane Burke is a financial advisor with Morgan Stanley in Westborough, MA, holding a Series 66 designation and over 10 years of industry experience. She has been with Morgan Stanley Smith Barney since 1999. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm utilizes structured discovery conversations and proprietary planning tools, including the Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations, to develop its financial plans.