Andrew Simpter is a financial advisor with Integrated Wealth Concepts LLC in Waltham, MA, holding Series 63 and Series 65 designations with 24 years of industry experience. He has previously worked at LPL Financial, Cetera Advisors LLC, and other firms. Integrated Wealth Concepts LLC serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent financial advisors. The firm offers discretionary investment management, financial planning, consulting, family office, and retirement plan advisory services, utilizing a primarily long-term investment approach with customized portfolios and a range of model and wrap-fee program options.

Kerri Wilkes is a CFP® professional with over 20 years of experience in the financial services industry. She has been with Commonwealth Financial Network since 2004. Outside of her advisory role, she is involved in fixed insurance sales as an agent. Commonwealth Financial Network serves a national network of approximately 2,950 advisors, providing advisory programs, wealth management, and retirement plan consulting. The firm supports its advisors with operations, trading, technology, investment management, compliance, and practice-management services.

Matthew Macho is a CFP® professional with 23 years of industry experience, currently serving as a financial advisor at Lincoln Investment since 2015. He holds Series 63 and Series 65 licenses and is based in Arlington, MA. Lincoln Investment serves individuals—including high-net-worth clients—charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and 403(b)/457(b) participants. The firm offers financial planning, ERISA retirement plan advice, and a variety of investment programs, utilizing both strategic and dynamic approaches managed by its Investment Management & Research team.

Matthew Brightman is a financial advisor with Eagle Strategies (NY Life) in Waltham, MA, holding Series 63 and Series 66 credentials. He has 19 years of industry experience and has worked at Eagle Strategies since 2019, with prior roles at Nylife Securities, Inc. and Nylife Insurance Company dating back to 2006. Outside of advisory work, he is a silent partner in a clothing company. Eagle Strategies serves a diverse client base, including individual investors and institutional sponsors, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and offers multiple advisory programs, with most assets managed on a non-discretionary basis.

Erin Rainwater is a financial advisor at Commonwealth Financial Network with 19 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Commonwealth Financial Network since 2007, with a brief tenure at Fidelity Investments from 2023 to 2024. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and support services, including wealth management, retirement plan consulting, and access to model portfolios managed by its Investment Management and Research team.

Timothy Schmidt is a financial advisor at Mercer Global Advisors Inc. with 26 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at TD Ameritrade and Wainwright Investment Counsel. Mercer Global Advisors serves individuals, families, small business owners, and institutional clients, providing investment advisory services along with financial, tax, retirement, and estate planning. The firm’s investment strategy is based on Modern Portfolio Theory, focusing on globally diversified, risk-appropriate portfolios implemented through a combination of ETFs, index funds, separate account managers, and alternative investments.

Danny Douangchith is a financial advisor at Empower Advisory Group with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with Empower Financial since 2015. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage clients. The firm delivers services through an integrated model tied to Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and annual rebalancing.

Jason Phillips is a CFP® and holds a Series 66 license with 26 years of experience in the financial services industry. He has worked at Janney Montgomery Scott for over 16 years, including his current tenure starting in 2026. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, including individuals, families, trusts, corporate and retirement plan sponsors, and charitable organizations, offering a range of brokerage, financial planning, consulting, and advisory services.

Cynthia Goldberg is a financial advisor with Private Advisor Group, LLC, holding a Series 66 designation and 33 years of industry experience. She has been with Private Advisor Group and LPL Financial since 2012. Her outside activities include involvement with Joseph Klein Associates LLC, where she provides financial planning and consulting for hourly fees. Private Advisor Group, LLC is an SEC-registered advisory firm managing over $41 billion across more than 135,000 client relationships, serving individuals, trusts, estates, charitable organizations, and corporate and retirement plan clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party asset management programs, employing various investment strategies and coordinating custody and reporting through multiple custodians.

Kristine Moore is a financial advisor with TIAA-CREF, holding Series 63 and Series 66 designations and possessing 19 years of industry experience. She has worked at TIAA-CREF and affiliated entities since 2014, with prior roles at NewEdge Advisors and Radiant Wealth from 2022 to 2024. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs primarily to individuals connected with TIAA retirement plans, as well as trusts, estates, partnerships, corporate entities, and small retirement plans. The firm provides both point-in-time financial planning and ongoing discretionary management, and it serves as adviser to a donor-advised fund while operating within a vertically integrated structure.

Linda Lemaster is a financial advisor with Commonwealth Financial Network in Waltham, MA, holding six years of industry experience. Her career includes roles at Avantax Advisory Services, Cetera, and Donnelly-Boland Tax Services, LLC. 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 about $212.7 billion in client assets. The firm provides a comprehensive adviser-support platform, including managed-account programs, access to third-party asset managers, and a range of investment options.

Leudson Veloz is a financial advisor with Eagle Strategies (NY Life) based in Waltham, MA, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He has been affiliated with New York Life Insurance Company and NYLife Securities LLC since 2015. Outside of advisory work, he is involved as a silent partner in an e-commerce business and provides contract assistance for a family-owned HVAC mechanical company. Eagle Strategies serves a diverse client base including individual investors, institutional plans, and charitable organizations, offering a range of financial planning, investment management, and retirement plan advisory services. The firm emphasizes tailored advice and primarily manages assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Michelle Guarino is a Series 65-credentialed advisor at Focus Partners Wealth, LLC with four years of industry experience. Her prior roles include positions at The Colony Group, LLC, Connectus Wealth Advisers, NEIRG Wealth Management, LLC, New England Investment & Retirement Group, Inc., and BNY Mellon. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, families, institutions, and businesses. The firm employs a long-term, tax- and fee-sensitive investment approach within an enhanced open architecture framework, combining active and passive strategies and offering a range of discretionary and non-discretionary services.

Martin Scafidi is a financial advisor with Money Concepts Capital Corp and holds Series 63 and Series 65 licenses. He has 25 years of industry experience and has operated his own accounting and tax preparation firm, Martin J. Scafidi P.C., since 1989. He also serves as a board member and director of First Priority Credit Union. Money Concepts Advisory Service provides portfolio management, financial planning, and consulting to individuals, pension plans, trusts, charitable organizations, and corporations. The firm employs a range of managed programs and combines model portfolios, advisor-designed portfolios, and third-party sub-advisers using fundamental and technical analysis along with modern portfolio theory.

Paul Garozzo is a CFP® professional at Focus Partners Wealth, LLC with eight years of industry experience. His prior roles include positions at Ouellette Wealth Advisory, LLC and BNY Mellon Wealth Management. Focus Partners Wealth serves a wide range of clients including individual, high-net-worth, family office, corporate, retirement plan, and institutional investors. The firm employs a long-term, tax- and fee-sensitive investment approach utilizing fundamental and quantitative analysis alongside third-party managers, and offers integrated wealth, retirement, tax, and sub-advisory services.

Joseph Ferrara is a financial advisor with GWN Securities Inc. in Winthrop, MA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with GWN Securities since 2015. Outside of his advisory role, Ferrara serves as chairman of the board for The 11 Foundation, a nonprofit organization. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers. The firm operates a large network of advisors and offers a variety of managed-account programs and model portfolios, including legacy market-timing and momentum-based strategies.

Furooz Jafari Zadeh is a financial advisor at Commonwealth Financial Network with six years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Merrill, Bank of America, Santander Securities, and Southern State University. Outside of his advisory role, he is a co-owner of ShabLight, a business selling handmade and digital products on Etsy. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and back-office support, including operations, trading, technology, investment management, and compliance, allowing advisors to offer customized portfolio solutions.

Robert Trudo is a financial advisor with Valic Financial Advisors in Lawrence, MA, holding Series 63 and Series 65 designations and 29 years of industry experience. He has worked at Valic Financial Advisors since 2013 and also serves as an agent with Agia, focusing on non-securities insurance products. Additionally, he is the owner of The Lake Mush LLC, an inactive entity with no current operations. Valic Financial Advisors serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet UMA models and overseeing approximately $26.4 billion in discretionary assets.

John Pagliuca is a financial advisor at TIAA-CREF with three years of industry experience. He holds the Series 65 and Series 63 licenses and has been with TIAA-CREF and its predecessor firm since 2013. Outside of his advisory role, he serves on the boards and finance committees of multiple assisted living and nursing care organizations operated by the Carmelite Sisters for the Aged and Infirmed. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm’s advisory model separates one-time planning services from ongoing discretionary management and acts as adviser to a donor-advised fund while employing a fiduciary standard in its RIA services.

Christina Mccalla is a Series 66-credentialed financial advisor with Commonwealth Financial Network, based in Waltham, MA. She has 25 years of industry experience and has been with Commonwealth since 2010. Outside of her advisory role, she serves as treasurer for a local political campaign and has worked in various catering positions. Commonwealth Financial Network is a national registered investment adviser supporting approximately 2,950 advisors with a range of advisory programs, including custom portfolio solutions and retirement plan consulting. The firm provides operational, trading, technology, and compliance support while offering access to discretionary model portfolios and multiple program structures.