Patrick Noonan is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2024. He has been with Fidelity since 2009, progressing through roles including Financial Consultant, Investment Consultant, Relationship Manager, and Financial Representative. His experience spans various aspects of financial planning and investment consulting. Patrick works closely with clients to understand their unique investing goals and to develop financial plans that address both short-term and long-term investment needs. His approach emphasizes honesty, integrity, and a commitment to building strong client relationships. He holds a California Insurance License.

James Kelble is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and having 29 years of industry experience. He previously worked at Voya Financial Advisors, Inc. for five years before joining LPL Financial in 2021. Kelble is also involved in non-variable insurance activities in North Reading, MA. 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, various advisory programs, retirement plan consulting, and brokerage services, with a range of discretionary and non-discretionary management options supported by research and model portfolios.

William Cushing Jr. is a financial advisor at Edward Jones with two years of industry experience. He holds the Series 66 designation and previously worked at Akumina for four years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of investment strategies and affiliated services, managing approximately $1.01 trillion in assets through a large network of advisors and branch offices nationwide.

David Littlefield is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 credential and five years of industry experience. He has been associated with Raymond James since 2020 and concurrently works with Littlefield Wealth Services and Littlefield & Associates in Beverly, MA. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm uses tailored, non-discretionary planning and analytical tools to support client goals and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Andrea Fiore is a financial advisor with Ameriprise in Middleton, MA, holding Series 66, 63, and 65 licenses and 25 years of industry experience. Prior to joining Ameriprise, she worked at BNY Mellon for 17 years and Fidelity Investments for two years. Outside of financial advising, she is a swim instructor at Lifetime Fitness, teaching both children and adults. Ameriprise Financial Services serves individual and institutional clients, offering specialized retirement income planning focused on dependable income sources and tax-aware withdrawal strategies. Their approach includes a centralized service team producing Recommendation Reports based on internal research and third-party data, with implementation conducted by clients or their advisors.

Karen Leland is a financial advisor at Merrill with 23 years of industry experience. She holds Series 63 and Series 66 designations and has been with Merrill since 2006. Merrill, along 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 a range of clients including individuals, high-net-worth investors, and institutional entities.

Brian Osborne is a financial advisor at Cetera with a Series 66 credential and two years of industry experience. He has previously worked at Avantax Advisory Services and Avantax Investment Services Inc. Outside of his advisory role, Osborne works as a tax preparer through Stephen Chase Tax Preparation. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts, offering a range of portfolio management and financial planning services through a nationwide network of independent advisors.

Luke Laforest is a financial advisor at Morgan Stanley with one year of industry experience. He holds a Series 66 designation and has previously worked at Equitable Advisors, ALKU, and the Town of Littleton. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning supported by structured discovery and firm-approved tools.

Michael Fennell is a Financial Consultant at Fidelity Investments, a role he has held since 2025. He works with families and individuals to develop comprehensive financial plans tailored to their specific needs, focusing on creating retirement plans that clients feel comfortable with in both the short and long term. Michael's experience at Fidelity Investments includes positions as an Investment Consultant from 2024 to 2025, Financial Representative from 2023 to 2024, and Customer Relationship Advocate from 2022 to 2023. He holds an Arkansas Insurance License.

Darin Byrne is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined the firm in 2013 after eleven years in the commercial real estate field. In his role, Darin works directly with clients to provide customized wealth management strategies tailored to their needs, goals, and priorities. He is a qualified Portfolio Advisor, delivering guidance through traditional advice and by recommending investment strategies from Merrill Lynch or approved third-party managers. Darin holds several professional credentials including the CERTIFIED FINANCIAL PLANNER™ certification, the CHARTERED ADVISOR IN PHILANTHROPY™ designation, and is recognized as a CERTIFIED PLAN FIDUCIARY ADVISOR™ professional. He earned his bachelor's degree from Amherst College. Residing in Winchester, MA with his wife and three sons, Darin is engaged in his community through coaching youth sports. He also enjoys golfing, music, singing, and spending time with his family.

Thomas Dyer is a financial advisor with LPL Financial in Salem, NH, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He worked at Private Wealth Management Group LLC from 2012 to 2016 and has been with LPL Financial since 2010. Outside of his advisory role, Dyer produces a local business interview show on community access television and also provides advice to parents of high school and college students on non-financial aspects through Beacon College Advisors. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and nonprofits through a national network of advisers. The firm offers diversified advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from internal and third-party sources.

Monica Buckwalter is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. 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.

Stephanie Neri is a financial advisor at RBC Capital Markets with 15 years of industry experience. She holds the CFP® and Series 63 designations and previously worked at UBS Financial Services for nine years. Outside of advising, she is a silent member of Shore to Summit Adventures LLC, a private company. RBC Wealth Management serves a broad client base including individual investors, institutions, corporations, and charitable organizations. The firm offers a variety of advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services, utilizing both in-house and third-party investment managers.

Paul Littlefield is a financial advisor with Raymond James Financial in Beverly, MA, holding a Series 66 designation and three years of industry experience. He has also been associated with Littlefield Wealth Services and related entities since 2019. Outside of his advisory role, he is employed by Littlefield & Associates and is involved with Littlefield & Davidson Wealth Services and Littlefield Wealth Services in non-investment capacities. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, charitable, and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports its clients through various advisory programs and institutional consulting.

Michael Costa is a Series 66-credentialed financial advisor with Ameriprise, based in Amesbury, MA, and has 23 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, Costa owns a tax preparation business and serves as treasurer on the board of Hope Christian Church. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement, combining research, modeling, and tax-efficiency analysis to provide tailored written recommendations. The firm serves individuals with significant investable assets and integrates advisory, brokerage, and insurance solutions through its affiliated companies.

Rafael Brito is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and nine years of industry experience. He has worked with PFS Investments Inc. since 2017 and has been associated with Primerica Financial Services since 2004. Outside of advising, Brito is involved with Primerica Mortgage, LLC and Primerica Client Services, Inc. through referrals of home-related products and owns Brito Enterprises, LLC, a legal entity formed for Primerica business purposes. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-driven investment strategies supported by third-party managers and custodial services, focusing primarily on individual investors rather than institutional portfolios.

John Curtin is a financial advisor at Ameriprise with 34 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. He holds Series 63 and Series 65 licenses. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendations, emphasizing Ameriprise-managed accounts and using algorithmic tools overseen by a dedicated committee.

Connor Slein is a financial advisor at Edward Jones with 11 years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at American Funds and American Funds Distributors, Inc. Outside of his advisory role, he is involved in managing a family real estate business in Salem, NH. 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 strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Lystra Khan is a financial advisor with Wells Fargo Advisors, holding a Series 63 designation and 34 years of industry experience. She has worked within various Wells Fargo entities since 2013. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and tailored recommendations supported by Wells Fargo research, with clients choosing the extent of implementation through brokerage or advisory programs.

Robert Cerniglia is a financial advisor at Thrivent Investment Management with 12 years of industry experience. He holds a Series 66 designation and has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2013. He serves on the board of the Southern New Hampshire Chamber of Commerce, supporting local business networking and community activities. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of advisors. The firm offers holistic, goal-based financial planning that covers a range of topics and may be combined with managed-account programs under a consolidated billing option called “WealthPlan.”