Frank Rispoli is a financial advisor at Mass Mutual Investors Services with 19 years of industry experience. He holds the ChFC® designation as well as Series 66 and Series 63 licenses. Prior to joining Mass Mutual Investors Services in 2022, he worked at firms including Royal Alliance, John Hancock Distributors, and Signator Financial Services. Outside of his advisory role, he provides bookkeeping consulting services, supporting small businesses with QuickBooks oversight. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive financial planning and asset management services using collaborative, software-assisted approaches and provides specialized planning programs, including divorce and estate settlement planning.

John Nunes III is a CFP®-certified financial advisor with LPL Financial, bringing 30 years of industry experience. He has been with LPL Financial and its predecessor firms since 1999. Nunes also holds Series 63 and Series 65 licenses and is involved in non-variable insurance activities as an appointed agent. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, leveraging a large network of investment adviser representatives and various investment platforms.

Patrick Menton is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses. He has one year of industry experience, including prior work at Sustainable Leaders Investment Management. Outside of financial services, he has worked as an independent contractor at J.Crew, assisting customers and training new staff. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary program.

Elizabeth Portesi is a financial advisor with Morgan Stanley in Norwell, Massachusetts, holding a Series 66 designation and 17 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she owns and operates Coastal Cookies, LLC, a retail and online cookie business. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, emphasizing tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-linked financial planning services.

Marc Perrault is a financial advisor at Morgan Stanley with 19 years of industry experience. He has worked at Morgan Stanley and its affiliated entities since 2022 and previously at E*TRADE and Columbia Management Investment Advisers. Outside of finance, he is involved in a family business specializing in refrigeration and HVAC, where he serves as a refrigeration technician. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services supported by structured discovery processes and sophisticated modeling tools.

David Nicholson is a financial advisor at Raymond James Financial with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Raymond James since 2005. Outside of his advisory role, he serves as a varsity lacrosse head coach at Ursuline Academy and is a board member of the Business Alliance Networking Group. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse range of clients, including individuals, corporations, and institutional investors. The firm offers tailored, non-discretionary planning and supports municipal and public finance through a unique affiliation with a municipal advisor.

Sebastian Gonzalez is a financial advisor at Ameriprise with 12 years of industry experience. He holds the Series 66 designation and has been with Ameriprise and its affiliated entities since 2006. Outside of his advisory role, he is involved in real estate flipping through House to Home Development, LLC, a business focused on property renovation and resale. Ameriprise serves individuals approaching or in retirement, offering retirement-income planning services that include personalized recommendation reports and tax-smart withdrawal strategies. The firm combines research, modeling, and a centralized consulting team to deliver retirement-income advice, primarily to clients with significant investable assets.

Charles Fiske is a financial advisor with Morgan Stanley in Norwell, MA, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Nash CPAs and the New England Patriots. Morgan Stanley Wealth Management serves both individual and institutional clients, offering customized financial planning and a broad range of advisory programs supported by structured planning tools and a variety of investment services.

David Randall is a CFP® with 36 years of industry experience. He has been with LPL Financial since 1998 and was self-employed in the financial services sector from 1991 to 2018. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by a large network of investment adviser representatives.

Michael Finn is a CFP® and ChFC® with 12 years of industry experience. He is currently affiliated with XYPN Sapphire and has previously worked at One Charles Private Wealth, Journey Wealth Partners, Royal Alliance, LPL Financial, LLC, and Columbia Management Investment Distributors Inc. XYPN Sapphire provides investment management and financial planning services to individuals, trusts, estates, business entities, and retirement plans, employing a long-term, risk-based investment approach grounded in Modern Portfolio Theory. The firm supports nearly 50 affiliated advisors through a centralized corporate RIA model and offers specialized services including digital-asset management and model portfolios to other independent RIAs.