Michael Perkins is a CFP® credentialed financial advisor with 19 years of industry experience. He has been with Cetera and its affiliated entities since 2019, following prior roles at Foresters Financial Services and Foresters Advisory Services. He operates under the DBA Peak Path Retirement Advisors within Cetera. Cetera Investment Advisers LLC is an SEC‑registered firm that serves 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, supporting various investment strategies and program structures.

Christopher Noble is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and 14 years of industry experience. He previously worked at Scottrade, Inc. for ten years before joining Merrill and Bank of America in 2018. Merrill offers managed account services through the Select Portfolio Solutions program, serving a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm integrates model-based and discretionary investment strategies with access to a broad range of products as part of Bank of America’s corporate platform.

William Steadman is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. Prior to joining Wells Fargo in 2020, he worked at Ameriprise Financial Services, Inc. for 11 years. Outside of his advisory role, he owns and operates Morning Tauk Charters, a charter fishing business based in Gloucester, MA. 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 advice. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a broader set of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Pharoah Neves is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2008. He has been with Fidelity Investments since 1992, progressing through roles from Customer Service Representative to Financial Consultant and Investment Consultant. Throughout his career, Mr. Neves focuses on comprehensive client profiling and understanding the full financial and family situation to develop plans aimed at achieving financial success, prosperity, stability, and peace of mind for clients and their families. His extensive experience at Fidelity Investments spans over three decades, covering various facets of financial consulting and investment services.

Michael Roy is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2013. He works directly with local clients to assist in the financial planning process, focusing on building, managing, and preserving wealth over time. Fidelity Investments provides a range of tools and services aimed at supporting investors of various types. Prior to joining Fidelity, Michael held several roles in the financial services industry, including Financial Consultant at Investment Professionals Inc, Vice President and Regional Wholesaler at Fundquest and BNP Paribas, Vice President at Pershing BNY Mellon, and Vice President and Senior National Account Manager at DWS Deutsche Bank. He also served as Assistant Vice President and National Account Manager at Columbia Management, Marketing Representative at Baybank Systems, and Financial Advisor at John Hancock. His career spans over three decades, reflecting extensive experience in financial consulting and account management. The information provided does not include details on Michael's education or personal interests.

Dylan Carrafiello is a Financial Advisor with Merrill Lynch Wealth Management. He works with clients seeking clearer direction and less stress in their financial decisions, providing a partnership that simplifies complex financial matters. His areas of expertise include navigating equity compensation, consolidating retirement plans, and building diversified investment strategies. Dylan holds a Bachelor's Degree and a Master of Business Administration (MBA) from Quinnipiac University. He has earned professional designations as a Personal Investment Advisor (PIA) and as a Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). His approach focuses on creating personalized investment strategies aligned with clients' goals and values. He emphasizes building real relationships rather than transactions, offering guidance on managing wealth, reducing tax drag, and developing intentional financial plans. Dylan provides access to Bank of America for banking and lending needs, complementing his investment advisory services.

Nathan Auclair is a financial advisor with OSAIC in Salem, NH, holding Series 63 and Series 65 credentials and having 32 years of industry experience. Prior to joining OSAIC in 2018, he worked at Signator Investors, Inc. for 24 years. He is a founding partner of Pointes North Wealth Management, LLC, where he is involved in general office administration and fixed insurance sales and marketing. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated financial advisers and offers brokerage, advisory, and consulting services, utilizing various asset-allocation tools and third-party solutions to manage portfolios across multiple investment vehicles.

Mark Chmiel is a financial advisor with J.P. Morgan Securities who holds Series 66 and Series 63 licenses and has four years of industry experience. His background includes roles at JPMorgan Chase Bank, Santander Securities, Santander Bank, and Travelex Currency Services. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Zachary Menard is a Financial Advisor at The Leland Group, where he has been providing financial guidance since March 2023. He has been active in the Financial Services industry since 2013. Zachary's professional background includes extensive experience in Retirement Planning, particularly for Workplace Retirement Plan participants, before transitioning to his current role. He collaborates with clients to develop wealth management strategies tailored to their individual financial goals and priorities. He holds a Bachelor of Science degree in Business Management from Skidmore College, with an interdisciplinary minor in Exercise Science and Physiology. Zachary is based in Peabody, MA, and spends his personal time playing hockey and being with his niece and nephew.

Kristian Coffey is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and over 22 years of industry experience. His career includes roles at Cetera Advisors LLC since 2016 and Investors Capital Corp. from 2009 to 2016. He is also a co-owner of Legacy Wealth Management. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a variety of investment strategies and third-party managers.

Eugene Cindrich is a financial advisor at Cambridge Investment Research Advisors with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with firms including StoneX Securities Inc and Trust Advisory Group Ltd. Cambridge Investment Research Advisors serves a broad range of clients, including individuals, pension plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals. The firm provides a variety of investment solutions, including proprietary models and access to third-party strategists, with customizable discretionary and non-discretionary management options.

John Nolan IV is a CFP®-designated financial advisor with eight years of industry experience. He is currently with Raymond James Financial Services Advisors Inc. and Raymond James Financial Services Inc., having previously worked at Commonwealth Financial Network, the University of Massachusetts Lowell, and Edward Jones. Outside of his advisory roles, Nolan is involved with two non-investment-related advisory groups and works as a non-variable insurance agent. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, corporations, and municipal entities. The firm emphasizes non-discretionary financial planning and investment consulting supported by extensive research and a broad affiliate network.

Joseph Peppe is a financial advisor at Ameriprise with 33 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Ameriprise and its affiliate since 2014. Outside of his advisory role, he manages family rental properties. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet specific eligibility criteria, combining research, modeling, and tax-efficiency analysis to deliver non-discretionary recommendations in partnership with clients’ advisors.

Guy Angiuoni Jr. is a financial advisor with LPL Financial, holding a Series 66 designation and 26 years of industry experience. He has been with LPL Financial since 2003. Outside of his advisory role, he is actively involved as a high school ice hockey coach. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a variety of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Andrew Menefee is a financial advisor with Charles Schwab in Lynnfield, MA, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. His prior experience includes roles at Fidelity Brokerage Services LLC, TD Ameritrade, and Charles Schwab Bank. Outside of finance, he is the founder and CEO of Centurium Studios, a printing and publishing business. Charles Schwab serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary advisory relationships and access to discretionary separately managed accounts, combining a large client base with an integrated operational structure.

Gregory Blaisdell is a financial advisor at OSAIC with 11 years of industry experience and a Series 66 credential. His prior work includes roles at Solutions Brokerage Network, Lifemark Securities Corp., Tandem Head, Cantella & Co., and John Hancock. Blaisdell holds power of attorney for the care of his father. OSAIC serves a diverse client base, including retail and institutional investors, offering a range of services such as brokerage, investment advisory, financial planning, and managed accounts. The firm utilizes asset-allocation tools, risk assessments, and multiple investment platforms to construct portfolios, with access to third-party money managers and wrap programs.

Jonathan Lloyd is a Financial Consultant currently working at Fidelity Investments since 2023. In this role, he partners with clients to develop personalized wealth management plans aimed at accomplishing important goals and achieving long-term financial flexibility. Prior to his current position, Jonathan served as a Planning Consultant at Fidelity Investments from 2021 to 2023. He also has experience as a Wealth Management Advisor at UBS Financial Services between 2018 and 2021. Earlier in his career, he worked at State Street Global Advisors as a SPDR Product Analyst from 2017 to 2018 and as a Business Development Consultant from 2010 to 2017.

James Henry is a financial advisor at Morgan Stanley with Series 63 and Series 65 licenses and three years of industry experience. He has worked at Morgan Stanley since 2022, including a position at Morgan Stanley Private Bank, N.A., and previously held roles at UBS and United Health Group. Outside of his advisory work, he is also active as a musician. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides a variety of investment and planning services through its extensive advisor network.

Todd Darling is a CFP® professional with 36 years of industry experience, currently serving at Ameriprise Financial Services, LLC since 2020. He previously worked at Ameriprise Financial Services, Inc. from 2016 to 2020. Darling holds board positions outside of his advisory role, including serving on the Hartwood Club Board of Trustees. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Steven Finocchiaro is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 21 years of industry experience. He has worked with Cetera Wealth Services, LLC since 2013 and Winchester Financial since 2007. In addition to advisory services, he is involved as an insurance agent selling life, health, disability, annuities, and long-term care insurance. Cetera is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.