Stephen Chase is a CFP®-designated financial advisor with 23 years of experience, currently with Cetera since 2025. His prior roles include positions at Avantax Advisory Services and 1st Global Advisors. He is also the owner of a tax preparation business serving individual clients. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and advisory services through multiple program structures and manager affiliations.

Edward Waldron III is a financial advisor with OSAIC, holding Series 63 and Series 65 designations and bringing 33 years of industry experience. Prior to joining OSAIC in 2025, he worked for Lincoln Financial Advisors Corporation for nine years. Outside of his advisory role, Waldron owns and operates several insurance agencies focused on accident, health, disability, and life insurance products. OSAIC serves a broad range of clients including individual investors, pension plans, corporations, and charitable organizations through an extensive network of affiliated advisors and advisory platforms. The firm employs integrated brokerage and advisory services with portfolio construction supported by asset-allocation tools, risk tolerance assessments, and automated rebalancing.

Herbert Hollender is a financial advisor with Ameriprise in Gloucester, MA, holding a Series 63 designation and 42 years of industry experience. He worked at UBS Financial Services from 2008 to 2020 before joining Ameriprise in 2020. Outside of his advisory role, he has interests in real estate ownership. Ameriprise provides a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets, delivering personalized, non-discretionary recommendations through a centralized consulting team. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Ryan DeBruyckere is a Benefits & Planning Consultant specializing in Executive Services at Fidelity Investments. In this role, he collaborates with executives to help them understand their employer benefits and develop financial plans that align with their personal goals. Ryan employs a holistic approach to comprehensively address his clients' needs and demonstrates how Fidelity's resources can support them and their families. Ryan's professional experience at Fidelity Investments includes positions as an Investment Management Consultant, Retirements Associate, and Customer Relationship Advocate. This progression within the company has provided him with a broad perspective on investment management, retirement planning, and client relationship management. Outside of his professional duties, Ryan has interests in cars, fitness, football, and music, including being an instrumentalist.

Noel Dulac is a financial advisor with OSAIC, holding the CFP® and ChFC® designations and bringing 30 years of industry experience. He previously worked at Signator Investors, Inc. and John Hancock Life Insurance Company for 23 years before joining OSAIC in 2018. In addition to his advisory role, he serves as president of a condominium association and is a managing partner of a retirement fiduciary group. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and nonprofits. The firm offers integrated brokerage and advisory services, utilizing advanced asset-allocation tools and access to multiple advisory platforms and third-party managers.

Andrew Bodnar is a financial advisor with Ameriprise in North Andover, MA, holding a Series 63 designation and 28 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of his advisory role, Bodnar serves on the Board of Directors for a condominium association in Pompano Beach, FL. Ameriprise provides retirement-income planning services targeted at individuals nearing or in retirement with significant investable assets. The firm combines research and modeling with personalized recommendations and emphasizes managed accounts alongside a broad range of advisory, brokerage, and insurance solutions.

William Belezos is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services that include investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Mary Robbins is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. She has worked at LPL Financial since 2019 and previously spent six years with VOYA Financial Advisors. 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 plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

David Fowler is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He previously worked at Next Financial Group Inc for 18 years before joining LPL Financial in 2025. Outside of his advisory role, Fowler is also engaged as a musician. 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 advisory programs, financial planning, and retirement consulting services, utilizing both discretionary and non-discretionary management supported by model portfolios and research.

Bradley Roberts is a financial advisor with Morgan Stanley in Middleton, MA, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management provides a range of advisory programs for individual and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers services under both individual and corporate financial planning agreements.

Daniel Crowley is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 42 years of industry experience. He has worked at Cetera Advisors LLC since 2016 and at Investors Capital from 2003 to 2016. Outside of his advisory role, he is also an insurance agent selling life and annuities and works as an operations associate at Home Depot. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with both discretionary and non-discretionary options.

Matthew Kirschner is a financial advisor at Edward Jones with 10 years of industry experience. He has worked at Edward Jones since 2020 and previously spent five years at Guggenheim Securities. Outside of his advisory work, he manages a rental property in Lincoln, New Hampshire. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment programs and advisory services. The firm is notable for its extensive network of financial advisors and branch offices, as well as its affiliated offerings including mutual funds and a trust company.

Sara Scalisi is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 38 years of industry experience. She previously worked at Morgan Stanley Smith Barney for 13 years before joining Wells Fargo Clearing in 2022. Outside of her advisory role, she is a notary public in the state of Massachusetts. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Andrew Kirk is a CFP® with 22 years of industry experience. He is currently with LPL Financial, where he has worked since 2018, following prior roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. 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 provides financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Nicolas Cunha is a financial advisor at Edward Jones with nine years of industry experience. He holds Series 63 and Series 65 licenses and previously spent ten years with Putnam Investments. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Michael Daneau is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including Linsco/Private Ledger Corp. for 24 years and Securities America Advisors. In addition to his advisory role, he is involved in insurance sales as part of his business. OSAIC serves a diverse range of clients, including individuals, high-net-worth investors, and institutions, offering integrated brokerage and advisory services, financial planning, retirement plan consulting, and access to third-party money managers. The firm utilizes asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct portfolios across various investment types, managing accounts on discretionary or non-discretionary bases.

Mathew Silvagnoli Martinez is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. He previously worked at Bank of America, N.A. and LGA, LLP CPAs & Business. Outside of his advisory role, he works part-time as a bartender at Four Oaks Country Club. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts.

Hollie Donovan is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. She has worked at Mass Mutual Investors Services since 2017 and previously spent 12 years with MSI Financial Services Inc. In addition to her advisory role, she is an independent insurance agent specializing in life, accident, and health insurance. 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, employing collaborative, software-supported planning processes.

Eric Majka is a financial advisor with LPL Financial in Haverhill, MA, holding Series 65 and Series 63 licenses and 25 years of industry experience. His prior roles include positions at StoneX Securities Inc, Trust Advisory Group, Ltd, AGES Financial Services, Ltd., Aztec Capital, LLC, and Boston Independent Advisors. He is also involved with Summer Street Financial, a DBA related to his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement consulting, and brokerage services through a national network, providing both discretionary and non-discretionary management supported by model portfolios, research, and various technology tools.

Renee Senes is a financial advisor with LPL Financial in Danvers, MA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She previously worked at VOYA Financial Advisors for six years before joining LPL Financial in 2021. Senes is a Certified Divorce Financial Analyst and teaches adult education courses on divorce planning and Social Security benefits. She is also an author of books addressing financial issues related to divorce. 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 plan consulting, utilizing model portfolios and research from internal and third-party sources.