David Kelly is a financial advisor with Commonwealth Financial Network in Charlestown, MA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with Commonwealth Equity Services, Inc. since 1991. Outside of advising, he serves as secretary and insurance agent for CES Insurance Agency, LLC. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, providing advisory programs, wealth management, and retirement plan consulting. The firm supports affiliated advisors with operations, trading, technology, investment management, compliance, and practice-management services.

Erin Esposito is a financial advisor at Commonwealth Financial Network with 15 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Commonwealth in various capacities since 2010, including a brief period at Sullivan-Kreiss Financial. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, providing a range of advisory programs and services. The firm acts as a platform provider, offering operations, trading, technology, investment management, compliance, and practice-management support while allowing advisors discretion in portfolio construction.

John Carbonara is a financial advisor at Commonwealth Financial Network with 36 years of industry experience. He holds the CFP® and Series 63 designations. Prior to joining Commonwealth, he worked at Securities America, Inc. and its affiliated entities for over two decades. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that serves a national network of nearly 2,900 advisors and their individual and institutional clients. The firm provides a broad adviser-support platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Susan Panduku is a CFP® with eight years of industry experience. She has been with Hightower Advisors since 2019 and previously worked at Lexington Wealth Management, RSM US Wealth Management, and RSM US LLP. Hightower Advisors serves a broad range of individual and institutional clients, providing investment advisory and planning services through a network of Advisor Practices. The firm’s approach includes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers across various investment vehicles and strategies.

John Kozelian is a CFP® with 32 years of industry experience, currently serving at Commonwealth Financial Network since 1999. He holds a Series 63 license and works out of Belmont, MA. His other business activities include fixed insurance sales at his branch location. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors. The firm offers a range of advisory programs and services, providing operations, trading, technology, investment management, compliance, and practice-management support to affiliated advisors.

Paul Hill Jr is a financial advisor with OSAIC Institutions, INC. in Lexington, MA. He holds Series 63 and Series 65 licenses and has 37 years of industry experience. His prior work includes roles at Infinex Investments, Inc., Brookline Bank, TD Ameritrade, Merrill, and Advest, Inc. OSAIC Institutions, INC. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a large network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, access to alternative investments, and operates a hybrid adviser/broker-dealer model with a distinctive approach to client management and third-party arrangements.

Jeffrey Aron is a CFP® and holds a Series 65 license with 18 years of industry experience. He is currently with Allworth Financial, L.P. and has prior experience at Sachetta, LLC and Wealth Management Advisors, LLC. Allworth Financial is a fee-based SEC-registered adviser serving a range of clients including individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm offers customized portfolio management using various model strategies and incorporates technology to manage held-away retirement accounts, with ownership ties to private investment vehicles and the Ontario Teachers’ Pension Plan.

Robert Koen Jr. is a financial advisor with TIAA-CREF in Waltham, MA, holding a Series 66 designation and 14 years of industry experience. He has worked at TIAA and TIAA-CREF Individual & Institutional Services, LLC since 2011. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing ties to TIAA-administered employer retirement plans. The firm offers distinct point-in-time financial planning alongside ongoing portfolio management through model portfolios and customized strategies under a fiduciary standard.

Michael Caggiano is a financial advisor with Commonwealth Financial Network in Salem, MA, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Commonwealth since 2004. Outside of his advisory role, he is an ice hockey referee officiating high school and college games and serves as a gun safety instructor through his sole proprietorship, Salem Firearm Safety. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors. The firm provides advisory programs, technology, and operational support, allowing advisors discretion in portfolio construction while offering managed model portfolios and a variety of program structures.

Adam Scott is a financial advisor with Commonwealth Financial Network in Burlington, MA, holding the CFP® designation along with Series 63 and Series 65 licenses. He has 26 years of industry experience, including roles at Axial Financial Group since 2007 and Commonwealth Financial Network since 2006. Outside of advisory services, he is involved in fixed insurance sales through Axial Financial Group. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs and back-office support including trading, technology, compliance, and investment management. The firm offers multiple program structures and discretionary model portfolios, operating as a platform provider while allowing advisors discretion in portfolio construction.

Laura Peeke is a CFA® charterholder with 23 years of industry experience. She is affiliated with Commonwealth Financial Network and has served as President and Owner of LifeFirst Financial Corporation since 2009. Her work includes fixed insurance sales conducted under LifeFirst Financial. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors. The firm provides a range of advisory programs and back-office services, including investment management, compliance, and practice management, allowing advisors discretion in portfolio construction alongside model portfolios managed by the firm’s Investment Management and Research team.

Melissa Mulloy Mecozzi is a financial advisor with Steward Partners Investment Advisory, LLC, holding a Series 66 designation and 19 years of industry experience. She has been affiliated with Steward Partners and its related entities since 2014 and previously worked at Raymond James Financial Services, Inc. She serves as the Head Coach for the Massachusetts Institute of Technology Rifle team. Steward Partners Investment Advisory, LLC is an enterprise-scale, SEC-registered RIA managing approximately $36.7 billion in regulatory assets. The firm serves a wide range of clients including individuals, pension plans, corporations, trusts, estates, and charitable organizations, offering comprehensive investment advisory and financial planning services with a platform that includes both proprietary and third-party portfolio management solutions.

Jeffrey Tomaneng is a financial advisor with TIAA-CREF, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior roles include positions at Asset Management Resources, Lion Street Advisors, Sapers & Wallack, Capital Analysts, and Lincoln Investment. Outside of his advisory work, he volunteers on committees for the Financial Planning Association. 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 pre-existing relationships through TIAA-administered employer retirement plans. The firm offers both point-in-time planning services and ongoing portfolio management, applying a fiduciary standard to its RIA services within a vertically integrated structure.

Jorge Flores II is a financial advisor at NewEdge Advisors with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Savior Wealth, LPL Financial, and Trilogy Capital, among other firms. Outside of his advisory role, Mr. Flores is managing partner at AccelHUB Venture Partners, a startup accelerator focused on Latin America, and serves on the boards of HLX+, a nonprofit civic organization, and AltaFid, a technology platform targeting the South American market. He also volunteers with the Leysin American School-US Advisory Board. NewEdge Advisors is an enterprise-scale registered investment adviser serving individuals, pension plans, corporations, trusts, estates, and charitable organizations through a network of independent advisers. The firm offers a variety of portfolio management and consulting services, utilizing multiple program structures and technology tools to meet diverse client needs.

Christopher Roy is a financial advisor at Farther with seven years of industry experience. He holds Series 65 and Series 66 licenses. His prior experience includes roles at PUREfi Wealth, LLC, Acadiance, BNY Mellon, Boston Private Wealth LLC, Windrose Advisors LLC, and CBF Advisors, LLC. Farther provides discretionary investment management and advisory services primarily to individual investors, trusts, and estates through a web and mobile platform complemented by in-person meetings. The firm employs a Modern Portfolio Theory-based approach using proprietary model portfolios, algorithmic rebalancing, and a mix of ETFs, mutual funds, equities, and fixed income, incorporating AI tools under internal review.

Matthew Remis is a financial advisor at Farther with 13 years of industry experience. He previously worked at Morgan Stanley, SVB Wealth LLC, and NewEdge Wealth. Outside of his advisory role, he serves on the board of North Andover Youth Baseball, is a founder of a synagogue in his town, and has been a member of the Beth Israel Deaconess Finance Committee for nearly 15 years. Farther serves individual investors, trusts, and estates through a technology-driven advisory platform offering discretionary investment management, retirement plan consulting, and non-discretionary recommendations for private investment funds. The firm’s investment approach is based on Modern Portfolio Theory, using bespoke allocations and algorithmic model portfolios with automatic rebalancing.

Ronald Cooper Jr. is a CFP® professional with 24 years of industry experience, currently affiliated with Eagle Strategies (New York Life) in Danvers, MA. He has been with New York Life since 2001 and leads The Cooper Fauteux Team since 2026. Outside of his advisory role, he owns Greyhorn LLC, a clothing company involved in product design and distribution. Eagle Strategies serves a diverse client base of individuals and institutions, providing financial planning, investment management, and retirement plan advisory services through a broad network of affiliated advisers. The firm offers multiple program types and emphasizes tailored recommendations, with most assets managed on a non-discretionary basis and a notable focus on retirement plan clients.

Lucy Joseph is a financial advisor at Commonwealth Financial Network with 10 years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at Citizens Securities, Inc. and Citizens Bank. 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 offers a variety of advisory programs and services, including discretionary model portfolios, wealth management, and retirement plan consulting, supported by robust operations, trading, technology, and compliance platforms.

Brian Glazer is a financial advisor with Commonwealth Financial Network, holding a Series 66 credential and 15 years of industry experience. He has been with Commonwealth since 2012 and also operates a commercial carpet cleaning business, DFS, Inc. Commonwealth Financial Network serves a national network of advisors and their clients by providing advisory programs, technology, investment management, and compliance support. The firm offers a range of customizable portfolio solutions and operates as a platform provider to affiliated advisors.

Jennifer Kundrot is a CFP®-certified financial advisor with nine years of industry experience. She currently works at Beacon Pointe Advisors, LLC and has previously been associated with Financially in Tune, Salem Five Investment Services, and LPL Financial, LLC. Outside of her advisory role, she is a co-owner of a real estate rental business in Belmont, Massachusetts. Beacon Pointe Advisors, LLC offers wealth advisory, financial planning, retirement-plan services, and outsourced chief investment officer services to a diverse client base, employing both active and passive investment strategies across public and private asset classes.