William Avril II is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 65 designations. He has 42 years of industry experience, including long tenures at MML Investors Services, Inc. since 1996 and Connecticut Mutual Life since 1983. He is also licensed as an agent in individual and group life and health insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, employing firm-approved software and collaborative annual planning processes.

Joseph Ferreira is a financial advisor with LPL Financial, holding a Series 66 designation and 17 years of industry experience. He has worked at LPL Financial since 2016 and previously spent five years with Century Bank & Trust. Ferreira is also involved in investment-related activities through two DBAs associated with his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Jacqueline Leveroni is a financial advisor at LPL Financial with seven years of industry experience. She holds the Series 66 designation and has previously worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including retirement plan consulting and model portfolios, with both discretionary and non-discretionary management options.

Jack Leader is a financial advisor with LPL Financial based in Westwood, MA. He holds Series 63 and Series 65 designations and has 48 years of industry experience. Mr. Leader has been with LPL Financial (formerly Linsco/Private Ledger Corp.) since 2004. Outside of his advisory role, he is involved in selling life, group/individual health, disability, long-term care insurance, and fixed annuities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base that includes individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a wide range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Erin O'Neill is a financial advisor with UBS Financial Services in Rockland, MA, holding Series 63 and Series 65 credentials and bringing 12 years of industry experience. Prior to joining UBS in 2022, Erin worked for nine years at John Hancock Distributors LLC and John Hancock. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, utilizing proprietary market research and model-based asset allocations to tailor plans to clients' goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, providing a broad set of investment and capital markets solutions.

Richard Cullen is a financial advisor with Edward Jones in Medfield, MA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with Edward Jones since 2000. Outside of his advisory role, Cullen serves as a co-trustee managing a family trust property in North Conway, NH. Edward Jones is a full-service wealth management firm serving millions of individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary strategies, tax-efficient services, and affiliated investment options.

Daniel Le is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds a Series 66 designation and has worked previously at Bank of America/Merrill Lynch, Fidelity, and several other financial firms. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework. The firm is notable for its broad registration status and affiliation with swap-dealer activities, allowing access to a wide range of investment products.

Sean Carroll is a financial advisor at Edward Jones with 25 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Empower Retirement for seven years before joining Edward Jones in 2022. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including a wide range of households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets through a broad network of advisors and branch offices, offering discretionary and non-discretionary investment strategies alongside affiliated mutual funds and other services.

Christopher Stark is a financial advisor at Ameriprise with 23 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2002. Outside of his advisory role, he is a co-owner of North Peak Holdings, where he manages an advisory business. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement, providing detailed recommendation reports and utilizing a combination of research, modeling, and tax-efficiency analysis. The firm serves clients with significant investable assets and delivers a broad range of advisory, brokerage, and insurance solutions.

Michael Milas is a financial advisor with Osaic Wealth, Inc., holding a Series 66 designation and 18 years of industry experience. He previously worked at Signator Investors, Inc. and has ongoing roles with GFA Financial Group, LLC and Premier Financial Advisors LLC. Outside of his advisory work, Milas is involved in fixed and variable insurance sales, including long-term care, disability, and health insurance. Osaic Wealth, Inc. serves a diverse client base of retail and institutional investors through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, utilizing proprietary asset-allocation tools and third-party platforms to manage portfolios across various asset classes with discretionary and non-discretionary options.

William Leclair is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 22 years of industry experience. He has previously worked at Securities America and Principal Life Insurance Company, among other firms. Leclair is also involved with Bay Pointe Wealth Management, where he maintains business activities alongside his role at LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management supported by research from multiple sources.

Mary Mcgrail is a financial advisor with Edelman Financial Engines in Norwood, MA, holding Series 66 and Series 63 licenses and bringing 18 years of industry experience. She has worked at Financial Engines Advisors L.L.C. since 2018 and was previously affiliated with Edelman Financial Services, LLC and EF Legacy Securities, LLC from 2016 to 2018. Outside of her advisory role, she is a landlord managing rental property in Worcester, MA. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines a proprietary committee-driven modeling process with planner delivery and online tools, offering diversified model portfolios, discretionary and non-discretionary management, and serves approximately 477,000 clients with $326 billion in assets under management.

Ryan Farley is a Planning Consultant at Fidelity Investments, currently based in the Westwood Investor Center. In this role, he supports two wealth management teams and partners with clients to develop their financial plans. Before his current position, Ryan held roles as a Relationship Manager and Financial Representative at Fidelity Investments. He also gained experience as an Acquisitions Manager at Zen Property Investors from 2021 to 2022. Outside of his professional work, Ryan has interests in boating, cars, fishing, fitness, football, and tennis.

Thomas Hitchcock is a financial advisor with LPL Financial and holds the ChFC®, Series 63, and Series 65 designations. He has 49 years of industry experience and has been associated with both LPL Financial and Bay Financial Advisors, Inc. since 2009. He also provides financial planning and consulting through Bay Financial Advisors, an independent registered investment advisor. Additionally, he is involved in the sale and service of traditional insurance products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of advisory programs and financial planning services, supported by various model portfolios, research, and technology-based solutions.

Troy Botts is a financial advisor at Merrill with 11 years of industry experience. He holds Series 65 and Series 63 credentials and has worked at Merrill since 2015 and Bank of America, N.A. since 2020. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Gary Peirce is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in providing a comprehensive approach to managing wealth by developing personalized financial strategies tailored to each client's unique family situation and financial goals. His services include access to Merrill's investment insights and the banking convenience and lending solutions of Bank of America. Gary’s areas of focus encompass executive compensation, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. He holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Providence College. In addition to his professional responsibilities, Gary participates in community volunteer activities, reflecting Merrill Lynch’s tradition of community involvement. Outside of work, he has interests in adventure sports, biking, boating, chess, cooking, and skiing.

Daniel O'Brien is a CFP® with 28 years of industry experience, currently serving at Cetera. His work history includes roles at LPL Financial, MassMutual Life Insurance Co, and Advanced Planning Consultants, LLC. He also maintains an active legal practice through O'Brien, Riley & Ryan, P.C., where he has worked for over four decades. Cetera Investment Advisers LLC is an SEC-registered adviser supporting a broad client base including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that combines affiliated and third-party managers with various program options and custodial relationships.

Thomas Lanahan is a financial advisor with LPL Financial in Norwood, MA, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has been with LPL Financial since 2012 and concurrently operates 401 K Quote.Com, a business related to retirement planning. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services with both discretionary and non-discretionary management options.

John Theophilos is a CFP® with 32 years of industry experience and has been with LPL Financial since 2006. He is based in Braintree, MA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party subadvisors, and advanced technologies.

Brandon Judd is a financial advisor at Ameriprise with 22 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. His prior work includes positions at Axa Advisors and SenText Solutions. 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 tailored retirement planning recommendations and ongoing advice focused on income sources and tax-aware withdrawal strategies.