Lauren Vives is a financial advisor with Merrill, holding a Series 66 designation and 12 years of industry experience. She has been with Merrill since 2014 and concurrently works at Bank of America, N.A. since 2017. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Nicholas Kakas is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and over 24 years of industry experience. His prior roles include positions at LPL Financial, Digital Federal Credit Union, and First Technology Federal Credit Union. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering a variety of portfolio management and advisory services through a nationwide network of independent advisors. The firm utilizes a multi-manager platform that provides access to affiliated and third-party strategies across diverse program structures.

Michael Klein is a financial advisor with J.P. Morgan Securities who holds Series 63 and Series 66 licenses and has 35 years of industry experience. His prior roles include positions at PNC Investments from 2016 to 2022 and JPMorgan Chase Bank, N.A. since 2022. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research, incorporating forward-looking capital market assumptions and an ESG eligibility framework.

Justin Skov is a financial advisor with Merrill, holding a Series 66 designation and based in Cohasset, MA. He has experience working at Bank of America, Santander Bank, and several other financial institutions since 2017. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Paul Previte is a financial advisor with Ameriprise in Norwell, MA, holding a Series 66 designation and 20 years of industry experience. He has been with Ameriprise and its related entities since 2006. Previte serves on the board of Bread and Roses as treasurer. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides annual advice focused on income sources and tax-aware withdrawal strategies.

James Ogborn is a financial advisor with LPL Financial in Rockland, Massachusetts, holding Series 63 and Series 65 licenses and 15 years of industry experience. His prior roles include positions at Rockland Trust Company, Citizens Securities, Inc., and Northwestern Mutual. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, wrap and model portfolio programs, third-party asset management, and institutional platforms, supporting a broad range of investment strategies and operational tools.

Russell Beckwith is a financial advisor at Ameriprise with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Ameriprise Financial Services since 2009. Outside of advising, he has involvement in real estate ownership. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides ongoing retirement-income planning advice through a centralized team and uses proprietary research and tools to support recommendations focused on dependable income and tax-aware withdrawal strategies.

Robert Andreola Jr. is a CFP® with 33 years of industry experience, currently serving at Edelman Financial Engines. He has been with the firm or its predecessors since 2016 and has operated Teachers Driving Academy since 2009. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven modeling process combined with planner delivery and online tools, offering both discretionary management and non-discretionary online advice.

Justin Murphy is a financial advisor with Edward Jones in Cohasset, MA. He holds the CFP® and Series 66 designations and has six years of industry experience. Prior to joining Edward Jones in 2019, he worked at Enervio, Inc. for five years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,700 financial advisors.

Adrian Newman is a Planning Consultant who partners with individuals and families to create personalized wealth plans focused on the growth, protection, and distribution of assets. He works closely with clients to help them feel at ease while navigating important financial decisions. Adrian aims to collaborate with clients toward the goal of creating better financial outcomes for them and their families. His approach centers on understanding each client's unique financial situation and objectives to develop tailored strategies. Adrian's work emphasizes personalized planning and client comfort throughout the decision-making process. Outside of his professional role, Adrian's personal interests include baseball, football, hiking, softball, and engaging in family activities.

Sarah Black is a Financial Consultant at Fidelity Investments. She collaborates with individuals and families to develop comprehensive financial plans that align with their goals, values, and financial needs. Sarah utilizes Fidelity's tools and resources to support clients in making informed financial decisions and serves as an advocate throughout various life situations. Her experience at Fidelity Investments includes roles as a Financial Consultant since 2023, Planning Consultant from 2022 to 2023, Relationship Manager from 2021 to 2022, and Financial Representative from 2020 to 2021. This progression reflects her continued commitment within the company and her comprehensive understanding of financial planning and client relationship management.

Lisa Andrews Bowers is a financial advisor at Edward Jones with 32 years of industry experience. She holds the Series 63 and Series 65 designations and has worked at several notable firms, including RBC Capital Markets LLC, Merrill Lynch, and Wells Fargo Clearing. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment solutions supported by a nationwide network of financial advisors and branch offices.

Drew Hurley is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. His background includes multiple roles at Fidelity Investments and teaching positions at Gettysburg College. He has also worked at Sacconnesset Golf Club. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction. The firm manages model portfolios using a systematic approach and supports various registered investment companies and charitable funds.

Victoria Howard is a Planning Consultant at Fidelity Investments, where she has been serving clients since 2026. In her role, she collaborates with dedicated teams to provide guidance aligned with clients' financial goals. Prior to this, Victoria held positions at Fidelity Investments including Relationship Manager from 2023 to 2026, Financial Representative from 2022 to 2023, and Customer Relationship Advocate from 2020 to 2022. Throughout her tenure at Fidelity Investments, Victoria has gained experience in client relationship management and financial planning. She focuses on building meaningful relationships with clients to support their financial objectives. Outside of her professional responsibilities, Victoria enjoys activities such as spending time at the beach, cooking and baking, engaging in family activities, attending social events with friends, hiking, and caring for pets.

Arthur Larm is a financial advisor at Primerica Advisors with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Primerica Advisors and Primerica Financial Services since 1995. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm uses a tiered wrap fee structure and curates third-party asset managers while delegating model implementation to BNY Mellon Advisors.

Daniel O'Neill Jr. is a financial advisor with LPL Financial in Westwood, MA, holding Series 63 and Series 65 credentials and 29 years of industry experience. He previously worked at Wells Fargo Clearing for nine years before joining LPL Financial in 2025. Outside of his advisory role, he is involved in a non-variable insurance business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Andrew Kofman is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has six years of industry experience. Prior to joining Cetera in 2025, he spent five years with Avantax Advisory Services and has operated his own CPA practice since 2014, providing tax preparation services for individuals and businesses. He is also a licensed attorney, though he does not actively practice law. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a variety of portfolio management and financial planning services and supports multiple investment program options, including model portfolios, third-party managers, and customized strategies.

Robert Daly is Vice President and Financial Consultant at Fidelity Investments. In this role, he works closely with clients to develop investment strategies and design plans aimed at achieving their financial goals, emphasizing proactive planning to support their envisioned retirements. He has been with Fidelity Investments since 2014, progressing through positions including Financial Representative, Relationship Manager, Investment Consultant, and Financial Consultant before his current role as Vice President. His experience encompasses various aspects of financial consulting and client relationship management. Robert holds a California Insurance License.

Benjamin Holloway is a financial advisor at Edward Jones with seven years of industry experience. He previously worked at Merrill Lynch and Citizens Bank before joining Edward Jones in 2025. Holloway holds Series 65 and Series 63 licenses. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages over $1 trillion in assets through a large network of advisors and offers a range of investment advisory programs with a fiduciary standard.

Frank Deleo Jr. is a financial advisor with LPL Financial, holding the ChFC® designation and Series 63 license, and has 44 years of industry experience. He has been with LPL Financial since 2004. Outside of advising, he is involved as a basketball official with the Association of Approved Basketball Officials. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by advanced operational tools and a broad non-advisory financial platform.