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.

Francis Randall is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 18 years of industry experience. His prior roles include positions at Edward Jones, Principal Securities, and Newport Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management services, utilizing various investment models and advisory strategies.

Joseph Murphy is a financial advisor with LPL Financial in Millbury, MA, holding Series 63 and Series 65 licenses and 33 years of industry experience. His career includes roles at Millbury Federal Credit Union, Cuso Financial Services, and several other firms dating back to 2003. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, combining advisory services with a broad range of non-advisory financial products.

Sheila Bulak is a financial advisor with Morgan Stanley, holding a Series 66 designation and 28 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and previously at Citigroup Global Markets beginning in 2006. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and offers planning services both directly and through corporate agreements.

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.

Casey Freeman is the Resident Director and Wealth Management Advisor at Merrill Lynch, leading a team that includes his wife and another female advisor. With more than 20 years of experience in financial advising, Casey works closely with individuals, families, and organizations to develop personalized financial strategies. His approach emphasizes a collaborative partnership with clients to pursue long-term financial goals, including cash flow management and strategic tax mitigation. He specializes in areas such as executive compensation, equity compensation services, family wealth management, estate and trust planning, and services for endowments, foundations, and non-profits. Casey's team utilizes proprietary tools like the Personal Wealth Analysis™ to help clients achieve a work-optional lifestyle by projecting scenarios that maximize cash flow and uncover tax advantages. Casey holds a High School Diploma from Holy Name Central Catholic High School, a Bachelor's Degree from the University of Tampa, and a Master of Business Administration (MBA) from the University of South Carolina System. He has earned professional designations including Accredited Asset Management Specialist (AAMS), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Casey participates in community activities through memberships such as the Coast Guard Auxiliary, Creative Hub Worcester, and Holden Youth Soccer. His personal interests include adventure sports, boating, fishing, football, scuba diving, soccer, spending time with his family, and traveling.

Christian Grundel is a financial advisor at Cetera with 18 years of industry experience. He holds the CFP® designation and securities licenses Series 63 and Series 66. His prior work includes roles at Sovereign Wealth Partners, Arrow Wealth Management LLC, and Financial Engines Advisors L.L.C. Outside of his advisory work, Grundel is a writer and producer for a fiction podcast called DMs After Dark and serves on the board of trustees for the West Warwick Public Library. Cetera Investment Advisers LLC is a nationwide multi-manager platform serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers portfolio management, financial planning, and access to both affiliated and third-party money managers, with over $256 billion in assets under management and more than 10,000 advisors.

Paul O'Malley is a financial advisor at OSAIC with five years of industry experience and holds a Series 66 designation. His prior roles include positions at SagePoint Financial and Securian Advisors of New England, and he also operates an accounting and tax preparation business under James A. O'Malley, C.P.A. Additionally, he offers clients fixed insurance products as part of his other business activities. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers, providing brokerage and advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios that include various investment types, with options for discretionary and non-discretionary accounts.

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.

Francis Novak is a financial advisor with Morgan Stanley in Worcester, MA, holding a Series 63 designation and 42 years of industry experience. His prior work includes roles at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Morgan Stanley Private Bank, N.A. Novak has been with Morgan Stanley Smith Barney LLC since 2023. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, including tailored financial planning services supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides planning both directly and through employer-based agreements.

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.

James Carroll is a financial advisor at Equitable Advisors with 45 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, since 1999. Carroll serves on the board of directors for Blackstone Valley Development Corp, a nonprofit organization focused on housing development for veterans, low-income, and disabled individuals. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management programs to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm utilizes a range of advisory models implemented through third-party managers and offers ERISA fiduciary services to qualified plans.

Scott Louder is a financial advisor with Raymond James & Associates who holds Series 63 and Series 65 designations and has 32 years of industry experience. He has been with Raymond James & Associates since 2015. Outside of his advisory role, he serves on the finance and investment committee for the nonprofit Urban Missionaries in Worcester, MA. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary services.

Heather Freeman is a Wealth Management Advisor with Merrill Lynch Wealth Management. She joined the firm in 2006 and focuses on serving high-net worth clients, providing advice and guidance aimed at long-term financial success. Heather specializes in areas including college education planning, executive and equity compensation, family wealth management, personal retirement planning, philanthropic and socially responsible investing, special needs planning strategies, and women and wealth. With over 20 years of experience in financial services, Heather holds several professional credentials: the CERTIFIED FINANCIAL PLANNER® (CFP) certification, the Chartered Financial Consultant® (ChFC) designation, the Chartered Retirement Planning Counselor™ (CRPC) designation, and the Personal Investment Advisor (PIA) designation. She earned a Bachelor of Science degree in International Business with a concentration in Finance from the University of Tampa and received her MBA from Quinnipiac University. Heather is involved in her local community through financial literacy initiatives, volunteering as a Dollar Scholar Facilitator with the United Way, and serving on the United Way Women’s Initiative. She has also contributed to the Girl Scouts of Central and Western Massachusetts as a finance committee member and board director, as well as the Young Professional Women’s Association in Worcester. In addition to her professional and philanthropic commitments, Heather enjoys running and coaching rowing.

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.