Stephen Bradley is a CFP® with 21 years of industry experience, currently serving as a financial advisor at Raymond James Financial Services Advisors Inc. since 2018. Prior to this, he worked at UBS Financial Services for 14 years. He is also the CEO of Bradley & Stayton Wealth Management Group, a wealth management support company. 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, pension plans, corporations, and institutional clients. The firm utilizes tailored, non-discretionary planning and analytical tools to align investment strategies with client goals and maintains specialized programs supporting municipal finance and SIMPLE IRA employer advisory services.

Madhusudan Nair is a financial advisor with LPL Financial holding Series 63 and Series 65 credentials and one year of industry experience. His prior roles include positions at UniBank, First Citizens Bank, J.P. Morgan Securities, JPMorgan Chase Bank, N.A., and First Republic Bank. 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 representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Katie Lee Kallin is a financial advisor with Cetera, holding a Series 66 designation and bringing 18 years of industry experience. She has been with Cetera and its affiliates since 2013 and is also involved with Illuminative Inc. Beyond her advisory work, she creates content on TikTok and YouTube focused on personal weight loss, health, fitness, and motherhood topics. Cetera Investment Advisers LLC is a large SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers diverse portfolio management and financial planning services, operating a multi-manager platform that supports a variety of program structures and investment strategies.

Christina LaFortune serves as a Senior Financial Advisor at Merrill Lynch Wealth Management in Worcester, Massachusetts. She has been with the firm since 2011, providing financial guidance to a range of clients including executives, business owners, non-profit organizations, and families. She co-leads The Smith-LaFortune Group, focusing on personalized financial strategies that address investment management, retirement planning, insurance solutions, and banking services. Christina holds several professional designations including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned a Bachelor of Science in Cellular and Molecular Biology from Westfield State College and a Master of Business Administration in Accounting from Fitchburg State University. She is a member of The National Association of Plan Advisors (NAPA) and supports the Worcester County Food Bank. Residing in Sturbridge, Massachusetts, Christina balances her professional career with personal interests such as boating, camping, cooking, gardening, hiking, pottery, traveling, yoga, and spending time with her family.

Bruce Munger Jr. is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 1993 in the Westborough, Massachusetts office. He focuses on helping clients develop personalized financial strategies that align with their long-term goals, specializing in areas such as college education planning, family wealth management strategies, retirement income, and socially responsible investing. Bruce holds a Bachelor of Arts degree in Economics and Mathematics from Bowdoin College and a Master of Science degree in Accounting from Northeastern University. He is a CERTIFIED FINANCIAL PLANNER™ certificant and holds additional professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He applies his expertise to assist clients in managing both personal and business financial matters. In addition to his advisory role, Bruce is actively involved in community organizations such as the Boys and Girls Club of Worcester, Greater Boston Food Bank, Habitat for Humanity, Joy of Music Program, Rotary Club of Worcester, Skating Club of Boston, and United Way. Residing in Worcester with his wife, Amy, and their two children, he values spending time with family and enjoys activities like biking, golfing, skiing, tennis, and traveling.

Matthew Ruggieri is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2018. He has been with Fidelity since 2007, progressing through various positions including Operations Specialist, Financial Representative, Investments Consultant, and Financial Consultant. Prior to his current role, he also worked as a Wealth Management Advisor at TIAA from 2017 to 2018. In his capacity as Vice President Financial Consultant, Matthew partners with clients to create and implement customized financial plans tailored to their family's unique needs. He focuses on designing strategies to improve these plans and maintaining open communication to support clients through important financial decisions and life transitions. Outside of his professional work, Matthew has personal interests that include baseball, fitness, football, golf, and traveling.

Michael Lemay is a financial advisor at LPL Financial in Worcester, MA, with 18 years of industry experience and a Series 66 designation. His prior roles include positions at Private Wealth Management Group, LLC, and Couture Wealth Management. 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 and services, including financial planning, retirement plan consulting, and brokerage services, utilizing model portfolios and research from internal and third-party sources.

John Stulpin is a financial advisor at LPL Enterprise with Series 63 and Series 65 credentials and one year of industry experience. His prior roles include positions at Northwestern Mutual Wealth Management Company and Symmetry Financial Group. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to model wealth portfolios and third-party asset management programs through an integrated platform that also provides brokerage and insurance products.

Jordan Kotob is a financial advisor at Fidelity with a Series 66 credential and less than one year of industry experience. His prior work includes roles at DoorDash and the University of Massachusetts Amherst. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Kelsey Saucier is a Financial Consultant at Fidelity Investments. She has held various roles within the company since 2018, progressing from Customer Service Advocate to Financial Consultant. Her experience includes positions as an Investment Consultant, Planning Consultant, Relationship Manager, and Financial Representative. As a CERTIFIED FINANCIAL PLANNER™ professional, Kelsey focuses on helping individuals and families align their investments and retirement strategies with their financial goals. She leverages Fidelity's resources to provide clear and personalized financial guidance. Kelsey holds a California Insurance License.

Steven Lavergne is a financial advisor at Ameriprise with 17 years of industry experience. He holds Series 63, Series 65, and Series 66 designations. Prior to joining Ameriprise in 2020, he worked at Cuna Brokerage Services, Inc. and Cuna Mutual Group from 2013 to 2020. He serves on the board of directors for the Steere Farm Estates homeowners association. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning focused on dependable income sources and tax-aware withdrawal strategies.

David Li is a financial advisor at Wells Fargo Clearing with 34 years of industry experience. He holds the Series 63 and Series 65 licenses and has worked at Morgan Stanley and its affiliated private bank from 2013 to 2024 before joining Wells Fargo Clearing. Outside of his advisory role, he owns an eight-unit residential rental property in St. Augustine, Florida. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Maura Clow is a Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2019. In her role, she works closely with clients to develop goal-driven financial plans that help them manage their financial futures with confidence. Maura is committed to building long-term, trust-based relationships and providing support and guidance throughout various stages of her clients' lives. She maintains a California Insurance License, which supports her ability to offer comprehensive financial advice. Details regarding her educational background and additional professional credentials are not provided.

Bryce Schintzius is a financial advisor with Mass Mutual Investors Services and holds the CFP® and ChFC® designations, along with Series 63 and 65 licenses. He has 20 years of industry experience, including over a decade at Mass Mutual Investors Services and Mass Mutual Life Insurance Company. Outside of his advisory role, he serves as president of Goetz Energy Corp and occasionally works as a substitute teacher at a public high school. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of programs including wrap and money-manager services, educational seminars, and specialized planning such as divorce and estate-settlement planning.

Zachary Bombard is a financial advisor with LPL Financial in Worcester, MA, holding Series 63 and Series 65 credentials and bringing nine years of industry experience. He has been with LPL Financial since 2019, following prior roles at Voya Financial Advisors and Voya Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and corporations 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 research from LPL and third-party subadvisors.

Thomas Clinton is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and 27 years of industry experience. His prior roles include positions at Grove Point Investments, Grove Point Advisors, and H. Beck, Inc. He is involved in Couture Financial Services, a DBA related to his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by in-house and third-party research.

Ashley Casucci is a financial advisor at Morgan Stanley with one year of industry experience. Before joining Morgan Stanley, she worked at MENTOR South Bay and previously spent six years with Braintree Public Schools. She is a Series 66 license holder and holds a minority partnership in a real estate investment firm. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning supported by advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and offers financial planning both directly and through employer agreements.

Shazia Tariq is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Her prior work includes roles at Santander Securities and Santander Bank, as well as positions outside finance at DHL eCommerce and Autism Learning Partners. Fidelity’s Strategic Advisers LLC, where she works, provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios.

Vincenzo Palmerino is a financial advisor at Cetera with five years of industry experience. He holds the Series 66 designation and has worked previously at Bridgewater Associates and The Richman Group. He is also involved with CCR Wealth Management as a financial planning associate. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a nationwide network of independent advisors and employs a multi-manager platform with access to both affiliated and third-party investment strategies.

Hope Dennis is a financial advisor with LPL Financial in Shrewsbury, MA, holding Series 63 and Series 65 credentials and 22 years of industry experience. Prior to joining LPL Financial in 2022, Dennis worked at Central One FCU, CUNA Brokerage Services, and Mutual of Omaha. 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 financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management and access to model portfolios and research from multiple sources.