Jeffrey Schreiber is a financial advisor with LPL Financial, holding the ChFC® and Series 63 designations and 33 years of industry experience. His prior roles include positions at Barrett Capital Partners, Prime Pensions, Inc., The Retirement Advantage, MML Distributors, LLC, and Mass Mutual Financial Group. He is also a commissioned Notary Public in Ohio. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large national network. The firm offers a range of advisory programs and financial planning services, including model portfolios and retirement plan consulting.

Andrew Cratty is a CFP®-designated financial advisor with Ameriprise, based in Hingham, MA. He has three years of industry experience, including prior work at Stifel, Nicolaus & Co., and has been affiliated with Ameriprise in various capacities since 2022. Outside of financial advising, he has held a role at Harmon Golf Course. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and annual retirement income planning focused on dependable income sources and tax-aware withdrawal strategies.

Kelly Mackenzie is a Series 66-licensed financial advisor with Morgan Stanley, based in Norwell, MA, and has one year of industry experience. Prior to joining Morgan Stanley, Mackenzie held roles at J.B. Hunt and Gentle Giant Moving Company. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individual and institutional clients, managing approximately $2.74 trillion in client assets and offering planning services supported by firm‑approved tools and methodologies.

Denise Comeau is a financial advisor at Morgan Stanley with nine years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2015, with a brief period at UBS Financial Services. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and offers plans both directly to individuals and through Corporate Financial Planning agreements.

Thomas Zamagni is a financial advisor at LPL Financial with 46 years of industry experience. He holds the ChFC® and Series 63 designations and has worked with firms including Royal Alliance Associates, Centinel, Sii, and John Hancock Mutual Life Insurance Company. He is also involved in selling non-variable life insurance and property and casualty insurance. 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 range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party subadvisors, and various investment strategies.

Nicholas Nannicelli is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds a Series 66 designation and has previously worked at UBS Financial Services for six years. Outside of his advisory role, he volunteers with Wings For Widows, an educational nonprofit. Morgan Stanley Wealth Management provides a wide range of advisory services to individuals and institutional clients, focusing on tailored financial planning and utilizing structured discovery conversations and firm-approved planning tools.

Naromie Saint Clair is a Financial Advisor at Merrill Lynch Wealth Management, dedicated to connecting clients with tailored financial plans that align with their unique ambitions. She specializes in assisting individuals, families, and business owners in pursuing financial goals through personalized planning and strategic approaches. With a focus on building lasting relationships based on trust, integrity, and clear communication, Naromie brings strong leadership, strategic problem-solving, and decision-making skills to her role. She is adept at managing multiple priorities in fast-paced environments and is committed to delivering exceptional service and meaningful solutions. Naromie holds a Bachelor's Degree from Nova Southeastern University and is designated as a Personal Investment Advisor (PIA). She is proficient in both English and French.

Denise Gray is a Series 66 licensed advisor with Merrill, where she has worked since 2014. She has 10 years of industry experience. Denise serves as a volunteer committee board member and chair of the New Member Committee for Temple Israel in Sharon, Massachusetts. Merrill, together 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 offers model-based and discretionary investment strategies supported by internal and third-party managers for individuals, high-net-worth clients, and institutional accounts.

Bethany Dever is a CFP® professional affiliated with LPL Financial, with 27 years of industry experience. She has held positions at Rockland Trust, Fidelity Investments, Martha's Vineyard Investment Advisors, and Martha's Vineyard Savings Bank. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a broad network of investment adviser representatives. The firm provides a wide range of advisory programs, financial planning services, and utilizes model portfolios and research to support diversified investment strategies.

Matt Fiore is a Planning Consultant at Fidelity Investments, where he collaborates with new and existing clients as part of the Wealth Management Team to develop personalized financial plans tailored to each client and their family. He began his career at Fidelity Investments in 2021 as a Customer Relationship Advocate and has held several roles within the company, including High Net Worth Associate, Investment Solutions Representative I and II, before assuming his current position in 2024. Throughout his tenure at Fidelity Investments, Matt has gained experience in client relationship management and investment solutions, which supports his work in financial planning. His progression within the firm reflects his involvement in various aspects of wealth management, focusing on delivering personalized financial advice and strategies. No additional information regarding education, credentials, personal interests, or community involvement has been provided.

Robert Damon III is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 38 years of industry experience. He has worked at Wells Fargo Clearing Services since 2020 and previously spent 13 years at Citizens Securities, Inc. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Kathleen Doisneau is Vice President and Branch Leader at Fidelity Investments, where she leads a team of financial professionals dedicated to supporting clients' financial well-being. She has held this role since 2025. Her experience at Fidelity Investments spans multiple roles, including Vice President, Regional Planning Consultant from 2023 to 2025, Financial Consultant from 2019 to 2023, Investment Consultant from 2016 to 2019, Relationship Manager from 2015 to 2016, and Financial Representative from 2013 to 2015.

Sharat Bail is a financial advisor at OSAIC with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Securities America Advisors, Inc. and Securities Service Network, Inc. Mr. Bail is also involved in managing portfolios of mutual funds and variable annuities. OSAIC serves a diverse client base, including individual investors, pension plans, corporations, and charitable organizations, providing brokerage and investment advisory services through a large network of affiliated advisers. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to construct portfolios that include a range of securities and alternative investments.

David Capelle is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he leads a goals-based wealth management practice focused on delivering personalized financial strategies. He works closely with clients to understand their financial priorities, concerns, and long-term objectives, providing comprehensive guidance supported by the resources and investment insights of Merrill and the banking capabilities of Bank of America. His clientele frequently includes business owners, entrepreneurs, and senior executives seeking coordinated and sophisticated wealth management solutions. David has more than 27 years of experience in the financial services industry, having joined Merrill Lynch Wealth Management in 2011. He earned a Bachelor of Arts degree in Economics and Political Science from the University of Rhode Island and holds the CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Investment Management Analyst® (CIMA®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) designations. He is committed to continuous education as a cornerstone of delivering advice in clients' best interests. Born and raised on the South Shore, David resides in Scituate, Massachusetts, with his wife Beth and their four children. He remains actively involved in the community, having served in leadership roles such as Trustee for South Shore Hospital and coaching youth hockey and baseball. In his personal time, David enjoys boating, fishing, skiing, golfing, and spending time with his family.

Andrew Eaves is a financial advisor with Ameriprise in Chatham, MA, holding a Series 63 designation and 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis, delivering coordinated advice through a centralized consulting team alongside financial advisors.

John White is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with RBC Capital Markets Corporation since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers tailored investment strategies through various advisory programs that combine in-house and third-party managers, with features such as tax management, responsible investing screens, and alternative investments.

Jack Austin is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 licenses and two years of industry experience. His prior work includes roles at Star Financial Group and various positions outside the financial sector, including at G.R. Boyle Landscape Contractor and Demoulas Supermarkets. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, managing assets through both discretionary and non-discretionary approaches.

Mary Ellen Horcher is a Planning Consultant at Fidelity Investments, a position she has held since 2022. In this role, she partners with two Wealth Planners to collaborate with clients and their families on retirement planning, wealth accumulation, and tax-efficient investing. Prior to her current role, she served as a Workplace Planning Consultant II at Fidelity Investments from 2020 to 2022. Her professional experience includes positions in fixed income institutional sales and municipal bond sales and marketing. She worked as Director of Credit Fixed Income Institutional Sales at UBS Securities LLC from 1994 to 1999, Associate in Taxable Fixed Income Institutional Sales at JP Morgan Securities LLC from 1991 to 1994, Vice President of Municipal Bond Sales and Marketing at Morgan Stanley Smith Barney LLC from 1986 to 1989, and Supervisor of Active Assets Account at Morgan Stanley Dean Witter & Co. LLC from 1984 to 1986.

Leanna Devinney is a financial advisor at Fidelity with 14 years of industry experience. She holds a Series 66 designation and has been with Fidelity Investments in various roles since 2011. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm supports diverse investment vehicles, including fund advisory and model portfolios, and maintains unique roles such as registration with the CFTC and formal advisory responsibilities to multiple registered investment companies.

Jean Germain is a financial advisor at Cetera with 17 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Cetera and its affiliated entities since 2025. Prior to that, he spent 16 years with Avantax Investment Services and seven years with Avantax Insurance Agency. Outside of his advisory work, Germain is the owner and sole proprietor of City Globe Real Estate & Tax Services, where he provides tax preparation services and acts as a real estate broker. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers various portfolio management and financial planning services, operating a multi-manager platform with model portfolios, third-party managers, and bespoke strategies across multiple program structures and custodial relationships.