John Fronek is a financial advisor with LPL Enterprise LLC, holding a Series 66 designation and bringing one year of industry experience. His prior work includes roles at Cetera Advisors LLC, Spring Brook Farms, ThermoFischer Scientific, and a 22-year service tenure with the US Navy. He is also involved with John P Fronek AFLAC as part of his business activities. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and affiliated insurance and trustee services.

Michael Martin is a financial advisor with Raymond James & Associates in Worcester, MA, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has been with Raymond James since 2015. 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 municipalities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Jeffrey Lerner is a financial advisor with Osaic Wealth, Inc., holding a Series 63 designation and bringing 50 years of industry experience. His prior roles include positions at Sagepoint Financial, Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and Metlife Securities. He is also an agent with Creative Financial Network, selling fixed, life, disability, and long-term care insurance directly with carriers. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, pension, corporate, and charitable clients through a large network of advisers and platforms. The firm offers integrated brokerage and advisory services with a focus on asset allocation, risk tolerance, and portfolio construction using stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Stephen Craig is a financial advisor at Ameriprise with 30 years of industry experience. He holds Series 63 and Series 65 designations. His prior experience includes roles at Wells Fargo Advisors, LLC and Wells Fargo Clearing. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning through written Recommendation Reports and ongoing advice. The firm’s approach integrates investment research, third-party data, and algorithmic tools, with implementation conducted by clients or their advisors under non-discretionary terms.

Joseph Croteau is a financial advisor with Raymond James Financial in Fitchburg, MA, holding a Series 66 designation and seven years of industry experience. He previously worked at Commonwealth Financial Network for six years, as well as Technical Products Inc. and SMC Ltd. Outside of his advisory role, he is associated with Croteau Financial, where he serves as a financial advisor, planner, and wealth manager. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, charitable, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using risk profiling and modeling tools, and supports a broad advisor network with specialized programs including municipal advisory and SIMPLE IRA Employer Advisory services.

Amy Morin is a financial advisor at Edward Jones in Marlborough, MA, holding the Series 66 designation. She joined Edward Jones in 2026 and has prior experience at Immuta, CSG, Kitewheel, LogicManager, and Bentley University Bookstore. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a wide range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

Timothy Harrington is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 30 years of industry experience. His prior roles include positions at Avantax Investment Services and 1st Global Advisors. In addition to his advisory work, he owns and supervises an accounting and tax preparation business serving small businesses and individuals. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. It offers a multi-manager platform with a range of portfolio management and financial planning services delivered through a nationwide network of over 10,000 advisors.

Michelle Parretti is a financial advisor at Morgan Stanley with 32 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Parretti serves on the finance committee of the Ecotarium museum of science and nature in Worcester, Massachusetts. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured discovery processes and firm-approved planning tools to support client financial plans.

Robert Early is a financial advisor with Fidelity, holding the Series 66 designation and one year of industry experience. His prior work includes roles at Wachusett Country Club and Thrifty Car Rental. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients. The firm utilizes a process combining proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios and advisory services.

Abdelrahman Hamada is a financial advisor at Merrill with Series 66 and Series 63 credentials and one year of industry experience. His prior work includes roles at Bank of America, Fidelity Investments, and other firms. Merrill, along 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

George Leasca is a financial advisor with Morgan Stanley in Worcester, MA, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his advisory work, he serves as a board member of the Alpha Omega Council, an organization involved in art, culture, education, and sports. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, utilizing structured financial planning tools and a comprehensive investment approach.

Elizabeth Hagan is a financial advisor with LPL Financial in Leominster, MA, holding Series 63 and Series 66 licenses and five years of industry experience. Her career includes roles at Rollstone Bank & Trust, Bank of America, Merrill, and Citizens Bank. Outside of advising, she is an author of children's books. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by advanced research and operational tools.

Richard West is a financial advisor at LPL Financial with 16 years of industry experience and holds a Series 66 designation. His prior work includes roles at Waddell & Reed, Inc., Bni Business Networking International, and Grow A Strong Family, Inc. Outside of his advisory work, West acts in a fiduciary capacity as a power of attorney for his spouse. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of financial planning and investment management services through a large network of advisors, offering both proprietary and third-party solutions across various asset allocation strategies.

Edward Kiernan IV is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. His prior roles include positions at Sagepoint Financial, Inc. and SII Investments, Inc. He is based in Westborough, MA. 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 advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by advanced operational tools and a large network of advisors.

Brian Ford is a financial advisor at Mass Mutual Investors Services with nine years of experience in the industry. He holds a Series 66 designation and has previously worked at MetLife Securities and Baystate Financial, among others. Outside of his advisory role, he is a minority owner of Worcester Financial Group, Inc., where he is involved in reviewing business operations and managing the financial services practice. 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 offers financial planning, asset management, educational seminars, and specialized services such as divorce planning and estate settlement.

Wahaj Sarwar is a Series 66 licensed financial advisor with five years of industry experience. He is currently affiliated with Edward Jones in Worcester, MA, having previously worked at firms including Bank of America and Merrill. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of investment advisory programs and affiliated financial products. The firm manages over $1 trillion in assets and supports clients through an extensive network of advisors and branch offices nationwide.

John Foley is a CFP®-designated financial advisor with 10 years of industry experience. He is currently with Mass Mutual Investors Services, a subsidiary of MassMutual, and previously worked at Fidelity Investments and Amazon/Whole Foods. Mass Mutual Investors Services provides financial planning and asset management to individuals, business owners, trusts, estates, and charitable organizations, utilizing firm-approved software tools to deliver written recommendations in collaborative, annual engagements.

Christopher Lussier is a financial advisor at Raymond James & Associates in Worcester, MA, holding the CFP®, ChFC®, and Series 66 designations with 15 years of industry experience. His prior work includes roles at Next Level Properties, LLC and Fleur de Lis Properties, LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that serves a diverse client base including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional advisory services, supported by a broad network of advisers and a range of portfolio management strategies.

Charles Riggin is a financial advisor with Cetera, holding a Series 63 designation and 27 years of industry experience. He previously worked at VOYA Financial Advisors before joining Cetera and its affiliated entities. Outside of his advisory role, he is a partner at Archstone Financial and involved with Gatehouse Financial, providing consulting and financial services. Cetera Investment Advisers LLC operates as an SEC-registered firm serving both individual and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services, utilizing multiple program platforms and investment strategies.

Robert Wetzel is a financial advisor at Morgan Stanley in Westborough, MA, holding Series 63 and Series 65 licenses with eight years of industry experience. His prior roles include positions at Columbia Management Investment Distributors Inc and Eaton Vance Management. Outside of his advisory work, he serves as a board member of the Ruth H and Warren A Ellsworth Foundation, which is involved in grant making across various community and humanitarian causes. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and research without recommending individual securities as part of its standalone planning services.