Jeffrey Appelstein is a CFP® with 34 years of industry experience, currently serving as a financial advisor at Morgan Stanley. His prior experience includes over a decade at UBS Financial Services and roles within Morgan Stanley’s Private Bank and Smith Barney divisions since 2020. Outside of his professional work, he serves as a board member for the Middleton Men’s Softball organization in Middleton, Massachusetts. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutions, including customized financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Arthur Mccarthy is a financial advisor at RBC Capital Markets with 21 years of industry experience. He has been with RBC Capital Markets Corporation since 2008 and holds a Series 66 designation. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves individual and institutional clients with a range of advisory programs offering discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services. The firm provides customized strategies based on clients’ risk profiles and utilizes both in-house and third-party investment managers.

Jennifer Gray is a CFP®-certified financial advisor with Ameriprise in Stoneham, MA, bringing 18 years of industry experience. She has been with Ameriprise and its predecessor firms since 2007. Outside of her advisory role, she is involved in several business ventures including intellectual property management and consulting through various LLCs. Ameriprise serves individuals approaching or in retirement, offering a retirement-income planning service that integrates research, modeling, and tax-efficient strategies to generate tailored recommendations primarily for clients with substantial investable assets. The firm combines advisory, brokerage, and insurance solutions within a large institutional framework.

Jackson Gallant is a CFP® professional with seven years of industry experience. He is currently with Ameriprise Financial Services LLC and has previously worked at Eaton Vance Management, Commonwealth Financial Network, Ledgewood Financial, and Salem Five Bank. Outside of Ameriprise, he acts as a financial advisor and employee at Ledgewood Financial in Danvers, MA. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides tailored retirement-income planning and tax-aware withdrawal strategies.

Heather Watts is a CFP® with 11 years of industry experience currently with LPL Financial since 2018. She also has a background with Invest Financial Corp dating back to 2014. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services with a variety of portfolio management options supported by proprietary and third-party research.

Pemberton Huddleston is a financial advisor with Edward Jones, holding Series 63, 65, and 66 designations and 19 years of industry experience. He worked at HSBC Securities (USA) Inc. for 17 years before joining Edward Jones in 2025. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of investment strategies and affiliated services through a nationwide network of financial advisors.

Lauren Tullos is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and four years of industry experience. Her prior roles include positions at Stonex Securities Inc and Trust Advisory Group Ltd. In addition to advisory work, she is active as an insurance agent with Lewis Financial Services in Haverhill, MA. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services delivered through a broad network of independent Financial Professionals, using a variety of portfolio management and model-based strategies tailored to client objectives.

Wilfred Smyly III is a financial advisor at Raymond James Financial Services with 26 years of industry experience. He holds a Series 66 designation and has worked at Stoneham Financial Services, Stoneham Bank, and Infinex Investments. Smyly is based in Stoneham, Massachusetts. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public finance work through unique affiliations.

Lillian Eason is a financial advisor at Edward Jones with a Series 66 designation and 10 years of industry experience. She has been with Edward Jones since 2003, serving the firm for over 20 years in various capacities. 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 programs and investment solutions, managing approximately $1.01 trillion in assets through a nationwide network of over 23,000 financial advisors.

Gregory Osborn is a financial advisor with LPL Financial in North Reading, MA, holding Series 63 and Series 65 credentials and 20 years of industry experience. He previously worked at Pinnacle Private Wealth, LLC from 2017 to 2019. Outside of his advisory role, he is involved with Warner Financial Group and works with Judith Osborn CPA in tax preparation and accounting services. 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 retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Zachary Spencer is a financial advisor with LPL Enterprise holding a Series 66 designation and four years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities LLC, and Prudential. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management arrangements, and a range of brokerage and insurance products.

Thomas Lawnsby is a financial advisor with LPL Financial holding a Series 66 designation and 25 years of industry experience. He has previously worked at Voya Financial Advisors, Cantella & Co., Inc., and Penn Mutual, where he has been associated since 2000. In addition to his advisory work, he operates a CPA practice specializing in tax preparation and accounting. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services with both discretionary and non-discretionary management options.

John O'Connor is a financial advisor with UBS Financial Services, holding Series 63 and Series 66 credentials and bringing 46 years of industry experience. He has been with UBS since 2010. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and research resources to support client strategies.

Howard Redgate is a financial advisor at UBS Financial Services with 50 years of industry experience. He held a position at Andover Equity Associates for 25 years before joining UBS in 2016. Redgate serves on the board of the Haitian Health Foundation, a charitable organization, where he has been a member for over a decade. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including portfolio management and financial planning. The firm combines institutional trading capabilities with wealth management services, offering a broad range of capital markets and research resources.

Matthew Paiotti is a financial advisor at Morgan Stanley with two years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2023. Outside of his financial advisory role, he is also employed at Arcola Country Club. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a wide range of advisory programs, managing approximately $2.74 trillion in client assets.

Kevin Barry is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 34 years of industry experience. He previously worked at Wells Fargo Advisors LLC and Wells Fargo Clearing before joining LPL Financial in 2018. In addition to his advisory role, he is a commissioned notary. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by model portfolios and research.

Christian Karcher is a financial advisor with LPL Financial in Peabody, MA, holding a Series 66 designation and 10 years of industry experience. He has worked with Freedman Financial Associates and LPL Financial since 2017 and had brief tenures at Commonwealth Financial Network and Augustine Financial. LPL Financial is a registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of advisers. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by extensive research and model portfolios.

Colby Crogan is a financial advisor at LPL Enterprise with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with firms including Metlife Securities Inc, Massachusetts Mutual Life Insurance Company, and The Prudential Insurance Company of America. Crogan serves on the boards of the Lexington Youth Lacrosse and Lexington Lions Club nonprofits. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management, and a range of brokerage and insurance products, supported by an integrated platform combining adviser programs with active financial product sales.

Trevor Nelson is a financial advisor at Raymond James Financial with Series 65 and Series 63 credentials and one year of industry experience. His prior roles include positions at Fidelity Brokerage Services and various other businesses, including landscaping and restaurant operations. He also works as an associate at Cornerstone Financial Partners LLC, assisting financial advisors with financial plan preparation. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and organizational clients. The firm emphasizes tailored, non-discretionary planning and consulting supported by analytical tools and offers specialized services such as municipal advisory and SIMPLE IRA employer consulting.

Thomas D'arcangelo is a financial advisor at Edward Jones with 38 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of investment strategies and advisory services, including discretionary wrap fee programs, separately managed accounts, and tax-efficient solutions, supported by a large network of financial advisors and branch offices nationwide.