Anna Joyce is an Investment Consultant at Fidelity Investments, where she has been working since 2025. Prior to this role, she held positions as a Planning Consultant from 2024 to 2025, a Relationship Manager in 2024, and a Financial Representative from 2022 to 2023 at the same company. In her role, Anna helps clients identify and prioritize their financial goals by understanding what matters most to them and their families. She collaborates with clients to co-create and implement personalized financial plans that support their needs both now and in the future. Outside of her professional responsibilities, Anna has interests that include spending time at the beach, fitness activities, social events with friends, golf, and volunteering.

John Heatwole is a financial advisor at Ameriprise with eight years of industry experience. He holds the Series 66 designation and has worked previously at LPL Financial, LLC, and State Street Corporation. Heatwole manages an advisory business through Array Services, LLC. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, algorithm-assisted recommendations primarily for assets held in Ameriprise-managed accounts.

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.

Scott Wheeler is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and 18 years of industry experience. He has worked at Raymond James since 2016 and is also the owner and president of Debits & Credits LLC, an accounting firm, as well as Greylock Wealth Management. Wheeler has held roles at North Atlantic Investment Partners, LLC, and Boston Harbor Wealth Advisors, LLC during his career. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutions. The firm provides tailored, non-discretionary planning and consulting using risk profiling and analytical modeling, supporting client implementation through various advisory programs.

Stephen Craig is a financial advisor at Ameriprise with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Ameriprise Financial Services since 2018, following a prior role at Wells Fargo Clearing. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Kimberly Boucher is Vice President and Wealth Planner at Fidelity Investments, where she partners with clients to build, implement, and monitor personalized financial plans. In her role, she collaborates with high net-worth clients and their families to identify and execute strategies tailored to their goals and needs, focusing on understanding each unique Family Wealth System. She has been with Fidelity Investments since 2015, initially serving as a Financial Consultant before her current position beginning in 2022. Prior to Fidelity, Kimberly held roles including Key Account Manager and Regional Sales Specialist at Pioneer Investments from 2005 to 2015, and Financial Advisor at Ameriprise Financial Advisors from 2002 to 2005. Outside of her professional work, Kimberly enjoys spending time at the beach, engaging in family activities, parenthood, caring for pets, reading, and traveling.

Daniel Girard Jr. is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with Cambridge Investment Research since 2013. Girard serves as a board member for the Society of Financial Service Professionals, Worcester Chapter, and the NAIFA Foundation. Cambridge Investment Research Advisors, Inc. provides financial planning, investment management, retirement-plan advisory, and wrap-fee programs to a diverse range of individual and institutional clients, including pension and charitable organizations. The firm operates through a large network of financial professionals and offers multiple account platforms and proprietary model strategies.

Kreg Pearless is a financial advisor at UBS Financial Services with 18 years of industry experience. He holds the Series 66 designation and has been with UBS in various capacities since 2014. Outside of his advisory role, he serves as a successor trustee for a family trust contingent on his mother’s incapacitation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, leveraging proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, including fiduciary financial planning and a broad range of capital markets functions.

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.

Andrew Dittrich is a financial advisor at Raymond James Financial with a Series 66 designation and one year of industry experience. His prior roles include positions at Triten Real Estate Partners and EDENS, as well as academic and development-related work at Babson College and Diplacido Development Corporation. He is also involved with 1776 Financial, a supporting company based in Franklin, Massachusetts. 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, charitable organizations, and institutions. The firm offers tailored, non-discretionary planning and consulting using various analytical tools and supports municipal and public finance advisory work through a unique affiliation with a municipal advisor.

Alexis Hamada is a financial advisor at Merrill with one year of industry experience. Holding a Series 66 designation, Alexis has also worked at Bank of America and has prior experience in various roles including positions at DoorDash, Instacart, and Bernie and Phyl's Furniture. 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 investment strategies for individuals, high-net-worth clients, pensions, corporations, and charitable organizations.

Clinton Mchoul is a Certified Financial Planner® (CFP®) with 19 years of industry experience. He has worked at Cambridge Investment Research Advisors since 2017 and previously held positions at Bank of America, Merrill, Banc of America Investment Services, and Edward Jones. Outside of advising, he serves as a vice president and board member at Charles River Bank. Cambridge Investment Research Advisors, Inc. provides financial planning, investment management, and retirement-plan advisory services to a diverse client base including individuals, pension funds, and charitable organizations. The firm offers both discretionary and non-discretionary management and supports multiple account platforms and third-party advisers.

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.

Thomas Pelley is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. His prior roles include positions at Morgan Stanley and Fidelity. He manages his advisory business through an LLC based in Wellesley, MA. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service, providing written recommendation reports and ongoing retirement planning advice focused on dependable income and tax-aware withdrawal strategies.

Stephen Dunne is a financial advisor at UBS Financial Services with 33 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has been with UBS since 2016. Dunne serves as Treasurer and Investment Committee member for the University of Massachusetts Foundation, which supports higher education. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides access to proprietary research and diverse capital markets solutions.

Timothy Moses is a CFP®-designated financial advisor with Edward Jones, based in Walpole, MA, and has 19 years of industry experience. He has been with Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Simon Clarke is a financial advisor with UBS Financial Services, holding a Series 66 designation and 26 years of industry experience. His prior roles include positions at Credit Suisse Securities (USA) LLC and Pershing LLC. UBS Financial Services Inc. serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad range of capital markets functions.

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.

Timothy Keane is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and possessing 36 years of industry experience. His prior roles include positions at Cetera, Investors Capital Corp., and B.B. Graham & Company, Inc. Keane is also a managing partner of Northeast Investment Advisors LLC and works as an agent for fixed insurance products, including life, health, disability, annuities, and long-term care. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and access to third-party asset managers, supported by advanced operational and research tools.

Michael Kulesza is a financial advisor at Raymond James Financial with seven years of industry experience. He holds the Series 66 designation and has worked at North Atlantic Investment Partners, Edward Jones, and Planmember Securities. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting services to a diverse client base, including individuals, high-net-worth clients, corporations, charitable organizations, and institutional clients. The firm uses analytical tools and risk profiling to tailor non-discretionary planning and supports municipal and public-finance work through a unique municipal advisor affiliation.