Bin Chen is a CFA® charterholder with three years of industry experience, currently serving as a financial advisor at Hightower Advisors since 2023. He has previously worked with Boston Hill Advisors, LLC, Ager Group, and CreditEase Wealth Management. Outside of finance, he holds shareholder roles in a family design firm and a family-owned restaurant. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individual and institutional investors. The firm’s approach emphasizes manager selection and multi-manager solutions, offering access to affiliated and third-party managers across various investment vehicles.

William Hughes is a financial advisor at OSAIC Institutions, INC. with one year of industry experience. He holds a Series 66 designation and has worked at firms including Infinex Investments, Inc. and Bluestone Bank. Outside of his advisory role, Hughes serves as a board member for Space2Thrive and is involved in event planning and coaching youth hockey. OSAIC Institutions serves individuals, charitable organizations, corporations, and retirement plans with a range of advisory and brokerage services. The firm delivers customized financial planning, ERISA plan services, and access to alternative investments, operating primarily through a network of investment adviser representatives who provide both advisory and brokerage solutions.

Gregory Williams is a financial advisor with Guardian Life and holds a Series 66 designation. He has 28 years of industry experience, including eight years at Mass Mutual Investors Services and sixteen years at Metlife Securities Inc. His current roles include positions at Guardian Life Insurance Company and Park Avenue Securities. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a broker-dealer and SEC-registered investment adviser wholly owned by The Guardian Life Insurance Company of America. The firm serves individuals, pension plans, charitable organizations, and corporate clients, offering brokerage services, financial planning, and investment advisory programs that utilize both proprietary and third-party models.

Jonathan Derby is a financial advisor with Focus Partners Wealth, LLC, based in Newton, MA, and has 22 years of industry experience. He has worked at The Colony Group, LLC since 2021 and previously operated Derby and Company Inc for nearly three decades. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, high-net-worth families, family offices, retirement plans, institutions, and businesses. The firm employs a long-term, tax- and fee-sensitive investment approach within an enhanced open architecture framework that integrates active and passive strategies, separate account managers, private funds, mutual funds, and ETFs.

Giuseppe Feraco is a financial advisor at Citizens Securities, Inc. with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Citizens Securities since 2015, following a brief tenure at Citizens Bank. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm’s advisory offerings include a Managed Account program and a digital advisory platform, though new accounts for the digital program are no longer being accepted as of December 2024.

John Valentine is a financial advisor with Citizens Securities, Inc. in Westwood, MA, holding Series 63 and Series 65 licenses and with 21 years of industry experience. He has worked primarily at Citizens Securities, including two separate tenures totaling over 16 years, and also spent a year with the United States Postal Service. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm’s offerings include a digital advisory program with ETF-based portfolios and a Managed Account program, operating as a broker-dealer and insurance agency under the ownership of Citizens Bank, N.A.

Brendan Wright is a financial advisor with Eagle Strategies (New York Life) based in Bridgewater, MA, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. He has been affiliated with Eagle Strategies since 2021 and also operates McGuire and Wright Financial Group LLC, which sells New York Life products and brokers non-registered insurance products. Eagle Strategies serves a broad range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers. The firm offers multiple program types tailored to client objectives, with a significant portion of assets managed on a non-discretionary basis within an integrated New York Life affiliate structure.

Mark Derby is a financial advisor at Focus Partners Wealth, LLC with 22 years of industry experience. He worked at Derby And Company Inc. for 32 years before joining The Colony Group, LLC in 2021. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, families, retirement plans, institutions, and businesses. The firm employs a long-term investment approach that combines active and passive strategies within a tax- and fee-sensitive framework and offers a broad range of financial and fiduciary services.

Carol Vesey is a financial advisor with Commonwealth Financial Network in Canton, MA, holding seven years of industry experience. She has been unemployed since 2008. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and services, including discretionary model portfolios and customized investment solutions, supported by extensive operations, technology, and compliance infrastructure.

Michael Wilson is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. His prior roles include positions at Merrill, Bank of America, Citizens Securities Inc., and Transamerica Life Insurance Company. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners with managed advice programs and investment education services, utilizing Morningstar Investment Management’s proprietary software and model portfolios to tailor asset allocation and retirement guidance.

Albert Smith Jr. is a financial advisor with OSAIC Institutions, Inc. based in Roslindale, MA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His career includes roles at Infinex Investments, South Shore Bank, Santander Securities LLC, and Sovereign Bank. OSAIC Institutions serves individuals, charitable organizations, corporations, and retirement plans, offering a broad range of advisory and brokerage services through customized engagements. The firm’s approach includes both fundamental and technical analysis, use of third-party managers, and access to alternative investments, with a notable emphasis on non-discretionary assets and integrated lending and cash-management solutions.

Ronald Halterman is a CFP® with 18 years of industry experience, currently affiliated with Private Advisor Group, LLC and owner of Northward Financial Group, where he operates an independent financial services practice. His prior experience includes over a decade at Weston Securities Corporation. Private Advisor Group, LLC is an SEC-registered advisory firm managing over $41 billion for a diverse client base including individuals, trusts, estates, and retirement plans. The firm offers a range of portfolio management and financial planning services, utilizing multiple investment strategies and third-party platforms to tailor solutions to client objectives and risk tolerances.

Grace Sun is a CFP® with two years of industry experience, currently working at Commonwealth Financial Network and Altara Wealth. Her prior experience includes four years at Boston Wealth Strategies and roles in education at Brandeis University and Emma Willard School. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing roughly $213 billion in client assets. The firm provides a broad adviser-support platform that includes managed-account programs, access to third-party asset managers, and custody services.

Bryce Witner is a financial advisor at Citizens Securities, Inc. with 12 years of industry experience. He holds a Series 66 designation and previously worked at Bank of America and Merrill from 2013 to 2025. Outside of his advisory work, Witner volunteers as a committee member and den leader for a local scout troop. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs alongside brokerage and insurance services. The firm’s advisory offerings include a digital advisory program and a Managed Account program, operating as both a broker-dealer and insurance agency.

Andrew Wilson is a CFP® professional with 24 years of industry experience, currently affiliated with Empower Advisory Group. His prior roles include positions at GWFS Equities, Keller Williams, Redfin Real Estate, Compass Real Estate, and Fidelity Brokerage Services. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain retail brokerage clients. The firm uses an integrated model linked to Empower’s administrative platforms, offering point-in-time financial plans and managed account solutions.

Paul Sullivan is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has worked at Charles River Financial Services since 2005 and at Commonwealth Equity Services, Inc. since 1993. Outside of investment advisory, he is involved with Charles River Financial Services, LLC, which provides document organization and consulting services related to taxation, divorce, estate planning, and asset recovery. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm offers a range of advisory programs and services, including discretionary model portfolios and personalized investment solutions, while providing operational and compliance support to affiliated advisors.

Sherif Abdel Ghaffar is a financial advisor at Transamerica Financial Advisors with Series 63 and Series 65 credentials and one year of industry experience. His prior work includes roles at Dynex Group Benefits Solutions LLC, AT&T Mobile, and various real estate and financial services companies. He also holds a marketing position with Dynamic Expansion. Transamerica Financial Advisors serves a diverse client base, including individual investors, pension plans, trusts, and corporations. The firm offers a range of advisory and broker-dealer services, featuring proprietary and third-party model portfolios with discretionary and non-discretionary options.

Ronald Newton is a CFP® professional with 36 years of industry experience, currently serving at Mariner Wealth Advisors since 2024. His prior roles include positions at Financial Engines Advisors L.L.C., Advice Systems Inc., Commonwealth Financial Network, and Newton Financial. He is the founder and caretaker of Advice Systems Inc., a financial technology software company that is currently inactive. Mariner Wealth Advisors serves a wide range of clients including individuals, pension plans, trusts, and charitable organizations, providing investment management, financial planning, and retirement plan consulting. The firm combines customized discretionary portfolios with in-house research and third-party managers, while also offering integrated tax services and administrative family office capabilities uncommon for a firm of its size.

David Boxmeyer is a financial advisor at Empower Advisory Group with eight years of industry experience. He holds Series 65 and Series 63 designations. Prior to joining Empower, he worked at Fidelity Brokerage Services LLC and Fidelity Investments for a combined total of 21 years. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm’s integrated approach aligns with Empower’s administrative platforms and focuses on long-term portfolio returns and clients’ savings rates.

Daniel Mcdonald is a CFP® professional with 20 years of industry experience. He has been with The Colony Group, LLC since 2000. He is affiliated with Focus Partners Wealth, LLC, a firm that provides wealth advisory and investment management services to individuals, families, institutions, and businesses. Focus Partners employs a long-term investment approach that combines active and passive strategies within a tax- and fee-sensitive framework.