Kristine Moore is a financial advisor with TIAA-CREF, holding Series 63 and Series 66 designations and possessing 19 years of industry experience. She has worked at TIAA-CREF and affiliated entities since 2014, with prior roles at NewEdge Advisors and Radiant Wealth from 2022 to 2024. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs primarily to individuals connected with TIAA retirement plans, as well as trusts, estates, partnerships, corporate entities, and small retirement plans. The firm provides both point-in-time financial planning and ongoing discretionary management, and it serves as adviser to a donor-advised fund while operating within a vertically integrated structure.

Linda Lemaster is a financial advisor with Commonwealth Financial Network in Waltham, MA, holding six years of industry experience. Her career includes roles at Avantax Advisory Services, Cetera, and Donnelly-Boland Tax Services, LLC. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and managing about $212.7 billion in client assets. The firm provides a comprehensive adviser-support platform, including managed-account programs, access to third-party asset managers, and a range of investment options.

Michelle Guarino is a Series 65-credentialed advisor at Focus Partners Wealth, LLC with four years of industry experience. Her prior roles include positions at The Colony Group, LLC, Connectus Wealth Advisers, NEIRG Wealth Management, LLC, New England Investment & Retirement Group, Inc., and BNY Mellon. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, families, institutions, and businesses. The firm employs a long-term, tax- and fee-sensitive investment approach within an enhanced open architecture framework, combining active and passive strategies and offering a range of discretionary and non-discretionary services.

Paul Garozzo is a CFP® professional at Focus Partners Wealth, LLC with eight years of industry experience. His prior roles include positions at Ouellette Wealth Advisory, LLC and BNY Mellon Wealth Management. Focus Partners Wealth serves a wide range of clients including individual, high-net-worth, family office, corporate, retirement plan, and institutional investors. The firm employs a long-term, tax- and fee-sensitive investment approach utilizing fundamental and quantitative analysis alongside third-party managers, and offers integrated wealth, retirement, tax, and sub-advisory services.

Furooz Jafari Zadeh is a financial advisor at Commonwealth Financial Network with six years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Merrill, Bank of America, Santander Securities, and Southern State University. Outside of his advisory role, he is a co-owner of ShabLight, a business selling handmade and digital products on Etsy. 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 back-office support, including operations, trading, technology, investment management, and compliance, allowing advisors to offer customized portfolio solutions.

Robert Trudo is a financial advisor with Valic Financial Advisors in Lawrence, MA, holding Series 63 and Series 65 designations and 29 years of industry experience. He has worked at Valic Financial Advisors since 2013 and also serves as an agent with Agia, focusing on non-securities insurance products. Additionally, he is the owner of The Lake Mush LLC, an inactive entity with no current operations. Valic Financial Advisors serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet UMA models and overseeing approximately $26.4 billion in discretionary assets.

John Pagliuca is a financial advisor at TIAA-CREF with three years of industry experience. He holds the Series 65 and Series 63 licenses and has been with TIAA-CREF and its predecessor firm since 2013. Outside of his advisory role, he serves on the boards and finance committees of multiple assisted living and nursing care organizations operated by the Carmelite Sisters for the Aged and Infirmed. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm’s advisory model separates one-time planning services from ongoing discretionary management and acts as adviser to a donor-advised fund while employing a fiduciary standard in its RIA services.

Christina Mccalla is a Series 66-credentialed financial advisor with Commonwealth Financial Network, based in Waltham, MA. She has 25 years of industry experience and has been with Commonwealth since 2010. Outside of her advisory role, she serves as treasurer for a local political campaign and has worked in various catering positions. Commonwealth Financial Network is a national registered investment adviser supporting approximately 2,950 advisors with a range of advisory programs, including custom portfolio solutions and retirement plan consulting. The firm provides operational, trading, technology, and compliance support while offering access to discretionary model portfolios and multiple program structures.

Wayne Bloom is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 credentials and possessing 36 years of industry experience. He has been associated with Commonwealth Equity Services, Inc. since 1989 and joined LPL Financial in 2025. 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 back-office support, including operations, trading, technology, investment management, compliance, and practice-management services.

Andrew Keener is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and six years of industry experience. He has been with Commonwealth since 2018 and previously worked at the University of Massachusetts Boston from 2015 to 2018. 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 support services, including wealth management, retirement plan consulting, and access to third-party asset managers, while offering advisors discretion in portfolio construction alongside managed model portfolios.

John Rocco is a financial advisor at Eagle Strategies (NY Life) with 13 years of industry experience. He holds the ChFC® designation and Series 63 license. His career includes roles at New York Life Insurance Company and NYLife Securities LLC since 2012, and he operates Rocco Insurance and Financial Group, focusing on New York Life products and services. He is also a shareholder of NYLARC Holding Company Inc., which reinsures life insurance policies he writes. Eagle Strategies serves individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple advisory programs tailored to client objectives and manages a predominantly non-discretionary asset base within an integrated New York Life affiliate structure.

Derenig Kostikian is a CFP® with 20 years of experience in the financial industry. He is currently with Commonwealth Financial Network, where he has worked since 2014, with a brief period at AssetMark Brokerage, LLC and AssetMark Financial Holdings, Inc. from 2022 to 2023 before returning to Commonwealth in 2023. 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 personalized investment solutions, supported by comprehensive operations, trading, technology, and compliance platforms.

Christopher Wilde is a CFA® charterholder with five years of experience in financial advisory roles. He is currently with Focus Partners Wealth, LLC and has previously worked at The Colony Group, LLC, Connectus Wealth, NEIRG Wealth Management, LLC, New England Investment & Retirement Group, Inc., and SCS Financial Services. 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 investment approach that combines active and passive strategies within a tax- and fee-sensitive framework, offering a broad range of services including portfolio management, financial counseling, and fiduciary consulting.

John Steiger is a CFP® with 34 years of industry experience, currently affiliated with Commonwealth Financial Network and Wealth Planning Resources LLC since 2012. He co-owns Steiger Creed LLC, an entity involved in managing residential real estate in Steamboat, Colorado. Commonwealth Financial Network serves a national network of approximately 2,950 advisors, providing a range of advisory programs and back-office support including operations, trading, technology, and compliance. The firm offers various investment program structures and discretionary model portfolios, supporting advisors who deliver personalized financial advice under Commonwealth’s supervision.

Kevin Sanchez is a financial advisor at Allworth Financial, L.P. with one year of industry experience. He holds a Series 65 designation and has prior experience at Sachetta, LLC, Allied Universal, and Keenan Financial, among other roles. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm offers customized portfolios through various model strategies and employs technology to manage held-away employer retirement accounts.

Raymond Acchione is a financial advisor at Commonwealth Financial Network with 25 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Commonwealth since 2003. Outside of his advisory role, he has been involved with Wellesley Recreation since 2000. 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, providing operations, trading, technology, investment management, compliance, and practice-management support to affiliated advisors.

Colby Therrien is a financial advisor with Hightower Advisors in Lexington, MA. He holds a Series 65 designation and has one year of industry experience. Prior to joining Hightower Advisors, he worked in various roles including at Aspire Developmental Services and Edible Arrangements. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients. The firm’s advisory model emphasizes multi-manager solutions, manager selection, and incorporates proprietary research alongside a variety of investment vehicles.

Terri Miller is a financial advisor at Commonwealth Financial Network with five years of industry experience. She holds a Series 65 designation and previously worked at Raymond James Financial Services and ACSH Medical Management. Outside of her advisory role, she runs a tax preparation business operating under Terri W. Miller, CPA. 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 over $212 billion in client assets. The firm offers a broad adviser-support platform, including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Gregory Gonynor is a financial advisor at Citizens Securities, Inc. with seven years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Santander Securities, LLC, Santander Bank, NA, and New York Life Insurance Company. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs as well as brokerage and insurance services. The firm provides both a Managed Account program and a digital advisory platform that uses proprietary algorithms to recommend ETF-based portfolios.

Elizabeth Mclaughlin is a CFP® professional with seven years of industry experience, currently affiliated with Commonwealth Financial Network. Her prior experience includes roles at Fidelity and Capital Management Partners, LLC. She also engages in fixed insurance sales as part of her business activities. 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 over $200 billion in client assets, offering a broad platform of managed-account programs and third-party asset manager access.