Jonathon Salo is a Series 66-licensed financial advisor with Raymond James Financial Services Advisors, Inc., bringing one year of industry experience. His prior roles include positions at MML Investors Services LLC, Capstone Partners Financial & Insurance Services, and Northwestern Mutual Investment Services LLC. Outside of his advisory work, he operates METRO Financial Strategies, a non-investment-related business based in Chelmsford, 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, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public finance work through a unique municipal advisor affiliation.

John Shaffer is a financial advisor with Primerica Advisors in Methuen, MA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has worked with Primerica Financial Services since 2002 and has been with Primerica Advisors since 2018. Outside of advisory duties, he is involved in sales of investment-related and loan products, as well as referrals for home security and automation services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, along with corporate and charitable accounts. The firm delivers advisory services through a large network of advisors using model-driven strategies developed by unaffiliated asset managers.

Roger Cogan is a CFP® professional with 42 years of experience in the financial services industry. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. He holds Series 63 and Series 65 licenses. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Douglas Cook is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Private Bank, National Association, and Morgan Stanley since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and economic modeling techniques.

Judith Rich is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 45 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she serves as trustee and holds power of attorney for a family member involving investment-related responsibilities. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Pedro Cesa is a financial advisor with Morgan Stanley, holding a Series 66 designation and three years of industry experience. Prior to joining Morgan Stanley in 2025, he worked at Merrill from 2022 to 2025 and had earlier roles at Bank of America Merrill Lynch. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and market simulations.

Shawn Rivers is a financial advisor at UBS Financial Services with seven years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at Morgan Stanley and the Malden Redevelopment Authority. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary research and model-based asset allocation with institutional trading capabilities.

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.

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.

Richard Case Jr. is a financial advisor with UBS Financial Services in Peabody, MA, holding a Series 63 designation and bringing 36 years of industry experience. He has been with UBS since 1990. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including financial planning and portfolio management, leveraging proprietary research and institutional trading capabilities.

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.

Yadollah Rezaee is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and 11 years of industry experience. He has been with Primerica Advisors since 2014 and also has concurrent experience at Raytheon Inc. Outside of his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which serves individual and high-net-worth clients with model-delivery strategies and limited discretionary separately managed account options. The firm employs an independent due-diligence process for asset managers and delegates trading responsibilities to BNY Mellon Advisors.