Stephen Raymond is a financial advisor with Cetera in Woburn, MA, holding Series 63, 65, and 66 credentials and possessing 27 years of industry experience. He has previously worked at PlanMember Securities Corporation and currently serves as president of Raymond Wealth Management, LLC. His outside activities include acting as an insurance agent selling annuities and long-term care products. Cetera Investment Advisers LLC distributes its services through a large nationwide network of independent advisors, serving individual, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with access to affiliated and third-party managers across various program structures.

Michelle Reid is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 31 years of industry experience. Her career includes previous roles at Investors Capital Corp., Banc of America Investment Services, Inc., and Quick & Reilly, Inc. She is actively involved in her community as a committee member for the North Reading Union Congregational Church and serves as vice president of The Chris Thomas Memorial Fund Inc., as well as an associate member of the Town of North Reading Veterans Events Committee. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large network of over 10,000 independent advisors, offering services to individual, corporate, charitable, and institutional clients. The firm provides a multi-manager platform with a variety of discretionary and non-discretionary portfolio management options, financial planning, and access to third-party money managers.

Michael Fulchino is a Vice President and Financial Consultant at Fidelity Investments, where he has been serving since 2014. He has built a career focused on wealth management and financial planning, working closely with clients to develop customized plans that align with their priorities. His professional experience spans over two decades in the financial services industry. Prior to his current role, Michael held several positions at Fidelity Investments, including Senior Account Executive, Income Planning Consultant, Investments Representative, and Financial Representative. His career began in banking, with roles at Fleet Bank and Bank of America as a Sales and Service Representative and Bank Teller. Michael emphasizes building genuine partnerships with clients to concentrate on their most important financial goals. No additional information regarding his education, credentials, personal interests, or community involvement was provided.

Brian Callahan is a CFP® professional with 14 years of experience in the financial services industry. He is currently with Edelman Financial Engines and has previously worked at firms including Camarda Wealth Advisory Group, Fisher Investments, and Charles Schwab. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios and offers a range of advisory programs supported by a firm Investment Committee.

Joseph Surace is a financial advisor at Merrill with three years of industry experience. He holds a Series 66 designation and has worked previously at Morgan Stanley, Equitable Advisors, AXA Advisors, LLC, and Curry College. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jesse Kroger is a Planning Consultant at Fidelity Investments, where he assists individuals and families in designing and implementing personalized financial plans. He collaborates with clients to clarify their goals, address their concerns, and develop strategies that provide confidence in their financial future. Jesse has been with Fidelity Investments since 2023, where he has held several roles including Customer Relationship Advocate, Workplace Planning Consultant, Financial Representative, and Relationship Manager before assuming his current position. This progression reflects his experience in client relationship management and financial planning. Outside of his professional work, Jesse enjoys family activities, football, movies, and volunteering.

Kyle Davidson is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2015. He has been with Fidelity Investments since 2006, progressing through roles including Financial Consultant, Investment Consultant, and several service-oriented positions. Kyle's professional experience focuses on developing personalized financial plans and identifying investment strategies to improve those plans. He emphasizes building strong client relationships through regular, ongoing communication. Outside of his professional work, Kyle's personal interests include golf, parenthood, scuba diving, skiing, soccer, and traveling.

Brian Amper is a CFP® professional with 24 years of industry experience, currently serving at Edelman Financial Engines in Burlington, MA. His prior roles include positions at Financial Engines Advisors L.L.C. and Edelman Financial Services LLC, spanning over a decade. Edelman Financial Engines offers technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm employs a committee-driven, proprietary modeling process combined with planner delivery and online tools, providing both discretionary management and non-discretionary online advice with a focus on diversified portfolios, periodic rebalancing, and long-term strategies.

Connor Bassett is a Planning Consultant at Fidelity Investments, a role he has held since 2022. He works closely with clients and their families to develop comprehensive financial plans tailored to their specific needs. Connor emphasizes active listening and collaboration to help clients pursue their financial goals based on their top priorities. He has held multiple positions at Fidelity Investments since 2020, including Financial Representative, Relationship Manager, Investment Solutions Representative, and Customer Relationship Advocate. This range of experience within the company has contributed to his understanding of various aspects of financial planning and client relationship management. Outside of his professional work, Connor engages in activities such as family events, fitness, football, social gatherings with friends, golf, and traveling.

Molly McKenna is a Planning Consultant at Fidelity Investments. She has progressed through various roles within the company, including Workplace Planning Consultant I, II, and III between 2023 and 2024. Molly focuses on collaborating with individuals, families, and business owners to develop financial plans tailored to their evolving goals and circumstances. Her approach emphasizes creating and maintaining strategies aimed at providing clients with confidence and peace of mind regarding both their short- and long-term financial objectives. Outside of her professional responsibilities, Molly has interests in fitness, hiking, parenthood, Pilates, scuba diving, and traveling.

Douglas Mitchell is a financial advisor at Fidelity with 20 years of industry experience. He holds the Series 63 and Series 66 designations and has worked with Fidelity Personal and Workplace Advisors since 2018. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm employs a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios and offers model portfolios that incorporate mutual funds, ETFs, and ETPs.

Liana Bekelian is a financial advisor with LPL Financial, holding a Series 66 designation and two years of industry experience. Prior to joining LPL Financial in 2022, she worked at Bay State Pest Control and as a private nanny. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management strategies supported by proprietary and third-party research.

Katie Soule is a Wealth Management Advisor at Merrill Lynch Wealth Management. She began her career in financial services in 2002 and joined Merrill in 2015. Prior to becoming a financial advisor, Katie served as a Certified Public Accountant in several major accounting firms and corporations. This background provides her with insight into the key decision points that clients encounter in their personal and professional finances. She focuses on areas such as retirement planning, family wealth management, legacy planning, and investment strategy, working closely with clients and their other professional advisors to develop tailored, tax-efficient strategies. Katie does not provide tax, accounting, or legal advice in her role at Merrill. Katie earned a Bachelor of Science degree in Accounting from the University of Delaware and an MBA from the University of Southern Maine. She holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), and Certified Private Wealth Advisor (CPWA). She is active in her profession and community, serving on the board of the Massachusetts Society of CPA's.

Louis Santos is a financial advisor at Merrill with 7 years of industry experience. He holds a Series 66 designation and has been with Merrill since 2014. Merrill, together 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 strategies developed by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Bridget Grella is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and with 20 years of industry experience. She has been with LPL Financial since 2004 and also operates Grella Financial Services, which she has run since 2003. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs along with retirement plan consulting and brokerage services.

John Oberlander is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 15 years of industry experience. He has worked at Cetera and its affiliated entities since 2019 and previously held roles at Foresters Financial Services from 2016 to 2019. Cetera Investment Advisers LLC is a large, SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with diverse portfolio management options, including discretionary and non-discretionary strategies, and manages over $256 billion in assets.

Robert Daniel is a financial advisor at Fidelity with 28 years of industry experience. He holds the Series 63 and Series 66 designations. His career includes over two decades at Fidelity Investments Institutional Services Company and roles at Enterprise Bank and Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, oversight controls, and advisory roles to registered investment companies.

Katrina Graves is a financial advisor at LPL Financial with four years of industry experience. She holds a Series 66 designation and previously worked at Ocean Spray Cranberries, Inc. for ten years. Outside of her advisory role, she operates a travel blog called Brown Bag Traveler. LPL Financial serves a broad client base including individuals, retirement plans, and institutions, offering financial planning, various advisory programs, and brokerage services through a national network of investment adviser representatives. The firm provides both discretionary and non-discretionary management, supported by multiple research sources and model portfolios.

Donna Rivera is a CFP® with 43 years of industry experience, currently serving as a financial advisor at Cambridge Investment Research Advisors. Her prior experience includes 17 years with Lincoln Financial Services and Lincoln Financial Securities Corporation, followed by six years at Axiom Advisors, LLC. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm provides financial planning, investment management, and retirement advisory through a broad network of independent Financial Professionals, offering strategies across multiple platforms with both proprietary and third-party model options.

Christopher Mc Cauley is a financial advisor with Merrill in Burlington, MA, holding a Series 66 designation and 25 years of industry experience. He has worked at Merrill since 2009 and has been associated with Bank of America, N.A. since 2011. Outside of his advisory role, he serves as an advisory board member for the Briarbrook Condominium Association, which involves oversight of property management. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.