Richard Pelletier is a financial advisor with Foundations Investment Advisors LLC, holding Series 63 and Series 65 credentials and bringing 10 years of industry experience. He has been with Foundations Investment Advisors since 2015 and has operated The HTR Group since 1997. Outside of his advisory work, Pelletier teaches economics, law, and investment classes at local universities and colleges, and co-authors educational materials unrelated to investing. Foundations Investment Advisors is a multi-advisor firm managing approximately $10.1 billion for over 29,600 clients through nearly 300 investment adviser representatives. The firm serves individuals, trusts, estates, and registered investment companies with portfolio management, financial planning, and retirement-plan support, utilizing model portfolios and third-party sub-advisers.

Patricia Matty is a financial advisor at St. Germain Investment Management with 18 years of industry experience. She has been with the St. Germain organization since 2003, working at St. Germain Securities until 2024 and at St. Germain Investment since 2013. Outside of her advisory role, she co-owns The Wild One Candles and Gifts, a handmade candle and gift business she operates with her son. St. Germain Investment Management provides discretionary portfolio management and financial planning to a diverse client base, including individuals, high net worth clients, and institutions. The firm employs a model-based investment approach combining quantitative and qualitative analysis, offering customized portfolios that integrate personalized financial planning.

Tanya Haas is a financial advisor at St. Germain Investment Management with six years of industry experience. She holds the Series 65 designation and previously worked for Alexandra DEST Capital Management for 14 years. Outside of her advisory role, she operates Haas Financial Solutions, providing daily money management services such as budgeting assistance and bill paying support. St. Germain Investment Management offers discretionary portfolio management and financial planning to a diverse client base, including individuals, high net worth clients, and charitable organizations. The firm employs a model-based asset allocation strategy combining quantitative and qualitative analysis with a long-term investment focus.

Dennis Morin Jr. is a financial advisor at St. Germain Investment Management with 10 years of industry experience. He holds a Series 66 designation and has worked at St. Germain Investments since 2017, with prior experience at Mass Mutual Investors Services and MetLife Securities. Outside of advising, he is an independent insurance agent specializing in disability and long-term care insurance. St. Germain Investment Management provides discretionary portfolio management and financial planning to a diverse client base, including individual investors, high net worth clients, pension plans, and charitable organizations. The firm employs model-based asset allocation combining quantitative and qualitative analysis and offers a range of investment products and advisory services.

Carol Scatolini is a CFP® professional with 30 years of experience in financial advising, currently with Prospera Financial Services, Inc. since 2021. Her prior roles include positions at Cetera Advisor Networks LLC, Summit Financial Group Inc, and Wells Fargo Advisors Financial Network LLC. She also serves as a notary, providing professional services unrelated to investment advising. Prospera Financial Services, Inc. is an enterprise-scale firm serving individuals, corporate and charitable entities, and retirement plans, managing approximately $12.4 billion through about 207 advisors across roughly 140 offices. The firm offers investment advisory and financial planning services through various platforms, combining firm models, third-party sub-advisers, and customizable allocations for discretionary and non-discretionary management.

Ava Cariddi is a financial advisor at St. Germain Investment Management in Springfield, MA. She holds a Series 65 designation and has been with the firm since 2025. Prior to her advisory role, she worked in various positions including roles at Western New England University and Ben & Jerry’s. St. Germain Investment Management provides discretionary portfolio management and financial planning services to individual investors, high net worth clients, pension and profit-sharing plans, charitable organizations, and businesses. The firm employs a model-based asset allocation approach that combines quantitative and qualitative analysis, focusing on long-term investment strategies and tailored portfolio management.

Matthew Freitag is a financial advisor at St. Germain Investment Management in Springfield, MA, holding a Series 65 designation with nine years of industry experience. He previously worked for five years at Rinet Company, LLC before joining St. Germain Investment Management in 2021. St. Germain Investment Management provides discretionary portfolio management and financial planning services to a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate accounts. The firm manages approximately $3.8 billion in assets, employs a long-term, asset-allocation-driven investment approach, and communicates regularly with clients through account statements, market commentaries, and performance reports.

Siobhan Matty is a Series 65-licensed financial advisor with St. Germain Investment Management, where she has worked since 2015. She has 10 years of industry experience. Outside of her advisory role, she maintains an active real estate license but is not currently involved in sales or listings. St. Germain Investment Management provides discretionary portfolio management and financial planning to a diverse client base, including individuals, high net worth clients, pension plans, and charitable organizations. The firm employs model-based asset allocation with a long-term investment horizon and integrates personalized financial planning into its advisory services.

Jason Fiore is a financial advisor with Money Concepts Capital Corp, holding a Series 66 designation and 12 years of industry experience. He has been with Money Concepts Capital Corp since 2013 and previously operated Fiore Enterprises Inc for ten years. Outside of his advisory role, he manages business operations at Comarck Communications LLC and owns Pioneer Valley Trading LLC. Money Concepts Advisory Service provides portfolio management, financial planning, and consulting to individuals, pension and profit-sharing plans, trusts, charitable organizations, and corporations. The firm uses a combination of model portfolios, advisor-designed portfolios, and third-party sub-advisers, applying fundamental and technical analysis along with modern portfolio theory to manage assets.

Jeffery Still is a financial advisor with Eagle Strategies (NY Life) based in Granby, MA, holding Series 63 and Series 65 designations and 14 years of industry experience. He has been with Eagle Strategies since 2015 and affiliated with New York Life and NYLife Securities since 2012. Outside of his advisory role, he is an investor in cryptocurrency and participates in technology-enabled online investment platforms focused on private companies. Eagle Strategies serves a diverse client base, including individual and institutional investors, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple program types tailored to client and plan sponsor objectives, with the majority of assets managed on a non-discretionary basis within an integrated New York Life affiliate structure.

Mark Zacek is a financial advisor at Capital Analysts with 14 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Lincoln Investment, Infinex Investments, and Raymond James Financial Services. In addition to his advisory role, he is a 1099 contractor with Nathan Agencies, involved in the sale of fixed annuities and life, health, disability, and long-term care insurance. Capital Analysts serves a wide range of clients such as individuals, high-net-worth investors, retirement plans, trusts, and charitable organizations. The firm employs a discretionary and non-discretionary investment approach supported by an in-house research team and offers advisory services through various portfolio management options.

Molly Keegan is a financial advisor at Commonwealth Financial Network with 19 years of industry experience. She holds Series 63 and Series 66 designations and has worked at firms including Shorepoint Advisory Group, Bolton Global Asset Management, and Curran and Keegan Financial. Outside of her advisory role, she serves as a Select Board Member for the Town of Hadley. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and managing over $212 billion in client assets. The firm offers a broad adviser-support platform that includes managed-account programs, access to third-party asset managers, retirement and plan consulting, and custody and clearing services.

Michael Fioroni is a financial advisor at J. W. Cole Advisors, Inc. with 43 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J. W. Cole Advisors and its affiliated entities since 2013. Outside of advising, he serves as a notary public. J. W. Cole Advisors operates through a large network of independent advisers, offering fee-based portfolio management, financial planning, retirement plan services, and access to multiple third-party investment platforms for individual, high-net-worth, and institutional clients. The firm utilizes both fundamental and technical analysis and supports discretionary and non-discretionary account management.

Stephen Lanzit is a financial advisor with Commonwealth Financial Network based in Northampton, MA. He holds a Series 63 designation and has five years of industry experience. His work history includes roles at Fic since 2009 and M Blast since 2008. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, offering a variety of advisory programs and services including custom portfolio solutions, third-party asset manager access, wealth management, and retirement plan consulting. The firm provides back-office operations, trading, technology, investment management, compliance, and practice-management support to affiliated advisors.

Deanna Liritzis is a financial advisor with Empower Advisory Group, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. Her prior roles include positions at Gwfs Equities, Inc., MML Distributors, LLC, and Beachbody, LLC. Outside of her advisory work, she founded Home & Hound Home Decor, creating and selling home decor items online and at local flea markets. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors, participants, and certain retail brokerage account holders. The firm’s services integrate with Empower’s recordkeeping and administrative platforms and focus on long-term portfolio returns and clients’ savings rates through point-in-time financial plans and managed account options.

Mary Glaser is a financial advisor at Kestra Advisory with Series 66 credentials and two years of industry experience. Her prior experience includes roles at Stern Financial, Commonwealth Financial Network, Stern Financial Services, and Trinity Investment Management. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base including plan sponsors, institutional, and individual clients. The firm offers fiduciary consulting, plan design, employee education, and access to multiple management platforms and third-party managed solutions.

Mark Zraunig is a financial advisor with Commonwealth Financial Network and has 26 years of industry experience. He holds Series 63 and Series 65 licenses. Prior to joining Commonwealth, he worked at Kestra Advisory Services and Kestra Investment Services between 2013 and 2025. He is also the owner of Parkview Financial, Inc., a private entity involved in securities, advisory, and insurance business. Commonwealth Financial Network is a national broker/dealer and SEC-registered investment adviser supporting approximately 2,900 affiliated advisors and managing roughly $212.7 billion in client assets. The firm provides a comprehensive platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Corie New is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 16 years of industry experience. She has been affiliated with Commonwealth Financial Network since 2011 and also works with ShorePoint Advisory Group. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and hundreds of thousands of clients. The firm offers a broad adviser-support platform that includes managed account programs, access to third-party asset managers, retirement and plan consulting, and custody/clearing services.

Walter Bak is a financial advisor at AE Wealth Management, LLC with 14 years of industry experience. He holds a Series 65 designation and has worked at AE Wealth Management since 2018, following three years at Woloshin Investment Management, LLC. In addition to his advisory role, he has operated the Law Office of Walter E. Bak since 1983, focusing on estate planning and elder law. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base, including individuals, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers a range of services such as model portfolio solutions, discretionary asset management, financial planning, and ERISA plan services through a platform that integrates multiple model strategies and advisor customization.

Christopher Cloutier is a financial advisor with Eagle Strategies (New York Life) who holds Series 63 and Series 65 licenses and has 36 years of industry experience. He has been affiliated with New York Life and its related entities since 1990, and he also operates Retiree Financial and Insurance Service, brokering non-registered insurance products. Eagle Strategies provides financial planning, investment management, and retirement plan advisory services to individual and institutional clients through a large network of affiliated investment adviser representatives. The firm offers multiple program types and emphasizes tailored recommendations, with the majority of its assets managed on a non-discretionary basis.