Brendan Sheehan is a CFP® with 25 years of industry experience, currently affiliated with LPL Financial since 2017. Prior to joining LPL, he worked at National Planning Corporation from 2013 to 2017. He is a partner and agent at Waymark Wealth Management, where he is involved in non-variable insurance products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management with access to model portfolios and third-party research.

Michael Muccio is a ChFC® credentialed financial advisor with 10 years of industry experience, currently affiliated with Ameriprise in Hopkinton, MA. His prior roles include positions at Park Avenue Securities, Guardian Life Insurance Company, GWFS Equities, Inc., and MML Investors Services. He is also an associate financial advisor with DES Group, Inc. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to develop tailored, non-discretionary recommendation reports delivered through a centralized consulting team.

Nermin Khalil is a financial advisor at Ameriprise with 11 years of industry experience. Prior to joining Ameriprise in 2020, Khalil worked at Morgan Stanley and Morgan Stanley Private Bank from 2015 to 2020. Outside of Ameriprise, Khalil is CEO of Madden Bailey LLC, a financial planning and brokerage firm. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets. The firm provides advisory, brokerage, and insurance solutions through affiliated companies and uses a combination of research, modeling, and tax-efficiency analysis to develop personalized retirement income recommendations.

James Cawley is a financial advisor with Cetera, holding a Series 66 designation and three years of industry experience. He has worked at Cetera and its related entities since 2024 and previously held roles at Strategy Asset Managers, Equitable Advisors, and other organizations. Outside of his advisory work, he served as a client service associate at CCR Wealth Management LLC. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts, offering diverse investment management and financial planning services through a large network of independent advisors.

Brian Kennedy is a CFP® with 19 years of industry experience. He is currently affiliated with Cetera and CCR Wealth Management, with prior experience at Commonwealth Financial Network. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform, providing access to both affiliated and third-party managers.

Michelle De Morais is a financial advisor with LPL Enterprise and holds the Series 66 designation. She has two years of industry experience, including roles at The Prudential Insurance Company of America and Pruco Securities LLC. Outside of finance, she has over two decades of experience in residential cleaning and organizing. LPL Enterprise, LLC serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, model portfolio programs, third-party asset management, and a range of brokerage and insurance products via its integrated platform.

Mark Nalbandian is a financial advisor at Fidelity with 16 years of industry experience. He holds Series 63, 65, and 66 licenses. Prior to joining Fidelity, he worked at Beaumont Financial Partners, LLC and Pioneer Investment Management, Inc. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm integrates fundamental research with quantitative analysis and algorithmic portfolio construction, offering discretionary and non-discretionary services as well as model portfolios built from mutual funds, ETFs, and ETPs.

Jonathan Furey is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. He has held roles at Cetera and its affiliates since 2002 and co-owns Furey Insurance Agency, where he serves as president. He is also involved in accounting and tax preparation through McCarthy Hargrave and Co and co-owns Willington Financial, a tax and accounting business. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and advisory services through a multi-manager platform with various program structures and custodial relationships.

Christopher Roering is a financial advisor with Wells Fargo Advisors in Worcester, MA, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has worked with Wells Fargo in various capacities since 2009. Outside of his advisory role, he has ownership interests in IKON Private Wealth, LLC and Northstar Financial Inc. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing a broad range of investment and financial planning services, including specialized areas such as business-owner transition and special-needs planning. Advisors use firm research and planning tools to develop tailored recommendations, which clients may implement through brokerage or advisory programs.

Christopher Meninno is a financial advisor at Mass Mutual Investors Services with 27 years of industry experience. He has worked with Metlife Securities Inc. for 19 years and has held roles at MassMutual Life Insurance Co. since 2016. Meninno holds a Series 63 designation and also works as an insurance broker specializing in fixed annuities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, using firm-approved software and a collaborative planning process.

Charles Sears is a financial advisor with OSAIC based in Worcester, MA, holding Series 63 and Series 66 licenses and having 25 years of industry experience. He has worked at OSAIC since 2023 and previously at Sagepoint Financial, Inc. and Delta Global Asset Management. He is also president and treasurer of Anchor Wealth Management, Inc. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors and offers integrated brokerage and advisory services including financial planning, retirement consulting, and unified managed accounts. The firm employs various asset-allocation tools and third-party platforms to manage portfolios across a diverse range of investments.

Ryan Bernath is a financial advisor at Fidelity with Series 63 and Series 66 certifications and one year of industry experience. His prior work history includes roles at CYBBA, MIQ, Samba TV, Yahoo, Verizon Media, Oath, and AOL. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios, serving a wide range of clients including registered investment companies and an IRS-qualified Charitable Gift Fund.

Katharina Jennings is a financial advisor at Merrill with eight years of industry experience. She holds Series 63 and Series 66 credentials and has been with Merrill since 2014. Merrill, together 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jonathan Lilja is a CFP® professional affiliated with Cetera who has 23 years of experience in the financial industry. He has been associated with Cetera Advisors LLC since 2014 and with Cetera since 2024. Outside of his advisory role, Lilja serves as a part-time EMT for the Town of Rockport Ambulance Department, is a conservation commission member, and a select board member for the Town of Rockport. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing multiple program structures and affiliations to provide diverse investment solutions.

John Postizzi Jr. is a financial advisor with Raymond James Financial Services Advisors Inc., holding a Series 66 designation and 26 years of industry experience. He has been with Raymond James since 2003, serving in its various capacities for over two decades. Outside of his advisory role, he owns a small simulator racing studio, Apex Predators Sim Racing LLC. 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 illustrate potential outcomes, supporting implementation through its advisory programs or other providers.

Keith Gilbreath is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since joining Merrill in 2017, he has developed expertise in managing custom investment strategies on a discretionary basis, selecting from a range of Merrill Lynch model portfolios and third-party investment options. He focuses on client-centered financial planning, tailored to their long-term objectives. Keith's areas of specialization include college education planning, equity compensation services, LGBT wealth planning, managing new wealth, personal retirement planning, socially responsible and ESG investing, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's degree from Elon University. Outside of his professional role, Keith is active in his community and personal interests. He participates in the Hopkinton Running Club and Mensa. He contributes to local organizations such as the Greater Boston Food Bank, Hopkinton Youth Soccer, and Hopkinton Youth Lacrosse. Keith enjoys adventure sports, cooking, hiking, running marathons, soccer, traveling, and spending time with his wife Rachel, their two children, and their two dogs.

Thomas Valentine Jr. is a financial advisor with Mass Mutual Investors Services in Worcester, MA, holding a Series 63 designation and 17 years of industry experience. His career includes roles at Cambridge Investment Research, Inc., Mass Mutual Life Insurance Company, and MML Investors Services. He is also involved in life insurance sales. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations.

Ken Ludy is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2020. He has been with Fidelity Investments since 2001, progressing through various positions including Investment Consultant, Branch Service Manager, and Retirement Solutions Manager. Prior to joining Fidelity, Ken worked as a Financial Advisor at Morgan Stanley Dean Witter from 2000 to 2001. With over 24 years of experience in the financial services industry, Ken collaborates closely with families to develop personalized financial plans tailored to their unique needs at different stages of life. His approach emphasizes understanding clients as individuals and investors to help them work toward their financial goals. Outside of his professional career, Ken is interested in golf, parenthood, and skiing.

Paul Derbyshire is a financial advisor with Ameriprise in Franklin, MA, holding a Series 63 designation and 29 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, written Recommendation Reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated companies typical of a large institutional firm.

Lynette Forder is a financial advisor at Morgan Stanley in Worcester, MA, holding a Series 66 designation with three years of industry experience. Her prior work includes roles at Grafton Schools and Hordern Wealth Management, as well as periods focused on homemaking and extended travel. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and investment research.