Michael Klonsky is a CFP®-certified financial advisor with 34 years of industry experience. He is currently with Ameriprise Financial Services, LLC and previously worked at Praesidium Wealth Management and Commonwealth Financial Network. Ameriprise offers retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide non-discretionary recommendations through a centralized consulting team.

Matthew Camerlengo is a financial advisor at Cetera with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Avantax Advisory Services and Avantax Investment Services. Camerlengo also operated Camerlengo & Associates, PC for 11 years. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of more than 10,000 advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with access to both affiliated and third-party managers.

Robert Sechrist is a CFP® with 31 years of industry experience, currently serving at LPL Financial since 2025. He previously worked for Cambridge Investment Research Advisors, Inc. for 15 years and operated Sechrist Financial Services for 13 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management solutions utilizing both proprietary and third-party strategies, supported by advanced research and operational tools.

Larry Moreira is a Vice President and Financial Consultant at Fidelity Investments, where he has been serving since 2020. His career at Fidelity spans multiple roles beginning in 2000, including positions as an Investment Solutions Consultant, Financial Consultant, Retirement Consultant, Investment Consultant, and Trading Representative. This extensive experience reflects his comprehensive understanding of financial consulting and investment strategies. Larry is committed to assisting clients in investing with less fear, retiring with more confidence, and living life more freely. His approach focuses on educating clients to empower them to implement co-created financial plans, enhancing their financial independence and control, and helping them use their resources to achieve greater satisfaction and happiness. Outside of his professional role, Larry enjoys comedy, concerts, family activities, fitness, movies, and running.

Joseph Languirand is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he was involved with Evolution Solutions Group, LLC, a talent and recruitment consulting firm, where he provided consulting services for small or startup businesses. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a wide range of advisory programs and investment solutions supported by a large national network of advisors and branch offices.

Brian Darcy is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 14 years of industry experience. His prior roles include positions at Boston Light Financial, Waddell & Reed, Santander Bank NA, and Santander Securities LLC. He also worked with the Knights of Columbus for seven years. 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, utilizing various investment strategies supported by research and operational tools.

Luisa Salazar is a financial advisor at J.P. Morgan Securities with five years of industry experience. She holds a Series 66 designation and has worked previously at Bank of America/Merrill Lynch and Citizens. Outside of finance, she has had involvement with various businesses, including a long-term role with Space Invaders. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory process combines quantitative and qualitative research to deliver asset allocation advice, investment manager searches, and customized reporting, with clients retaining final decision-making authority.

Mark Krupkowski is a financial advisor with Mass Mutual Investors Services in North Andover, MA, holding Series 63 and Series 65 credentials and having 42 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and also works with MassMutual Life Insurance Company and MetLife Securities Inc. In addition to his advisory role, he operates as an independent insurance agent specializing in dental and group disability income and long-term care insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, with planning engagements structured as annual collaborative relationships focused on client goals and written recommendations.

Jason Carace is a Financial Consultant at Fidelity Investments, where he has been working since 2024. He partners with individuals and families to develop holistic financial plans tailored to their goals and needs, providing ongoing support through changing life circumstances. Jason has been with Fidelity Investments since 2013, holding various roles including Managed Solutions Consultant, Portfolio Specialist, Client Management Representative, Workplace Planning and Guidance Consultant II, Workplace Planning and Guidance Consultant, High Engagement Representative, and Financial Associate. His experience encompasses financial consulting and client management within the firm. Outside of his professional work, Jason enjoys biking, family activities, football, golf, hiking, and skiing.

Sebeta Kalpee is a financial advisor at Merrill with 14 years of industry experience. She has held her current role at Merrill since 2015 and holds Series 63 and Series 66 designations. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Scott Thaxton is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 31 years of industry experience. He was previously with LPL Financial for 27 years and has operated Carrthaxton Financial Group, LLC. Outside of advisory work, he is involved in fixed insurance sales and owns Carrthaxton Realty Trust, LLC. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes both affiliated and third-party investment strategies.

Jacob Palhares is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has recently entered the industry, with prior experience including roles at Granite Peak Associates and as a full-time student. His current practice is based in Wakefield, MA. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, structuring engagements as annual collaborative relationships using firm-approved analytical tools.

Anthony Marino Jr. is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and also works with MassMutual Life Insurance Co. since 2016, following two years at MetLife Securities Inc. In addition to his advisory role, Marino operates as an independent insurance agent specializing in disability, fixed annuities, and group insurance products. Mass Mutual Investors Services is an SEC-registered broker-dealer and investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements and provides a range of programs including wrap accounts, money-manager programs, and educational seminars.

Diogo Pinto is a Wealth Management Planning Consultant at Fidelity Investments, a role he has held since 2024. He works closely with individuals and families to develop personalized financial plans and investment strategies that adapt to their evolving goals. His approach centers on guiding clients as they pursue their priorities and strive for lasting financial success. Diogo has been with Fidelity Investments since 2016, progressing through various roles including Planning Consultant, Relationship Manager, and Financial Representative. This experience has provided him with a broad understanding of wealth management and client relationship development. No additional information regarding his education, credentials, personal interests, or community involvement has been provided.

Stephen Napier is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and has held positions at Massachusetts Mutual Life Insurance Company, MetLife Securities Inc., and New England Securities. Outside of his advisory role, he is involved in insurance brokerage unrelated to MassMutual and manages a property rental business. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, emphasizing collaborative, goal-based planning using technology tools.

Shania Perham is a Financial Consultant at Fidelity Investments, where she has been serving since 2024. She has progressed through several roles at the firm, including Planning Consultant, Relationship Manager, Financial Representative, and Customer Relationship, demonstrating a consistent commitment to helping clients with their financial needs. Her professional focus is on working closely with individuals, families, and business owners to develop comprehensive financial plans tailored to their unique goals. She aims to empower her clients to make informed decisions and supports them through changing circumstances to achieve peace of mind in retirement. Outside of her professional endeavors, Shania enjoys activities such as exploring food, attending social events with friends, spending time at the lake, listening to music, skiing, and traveling.

Kevin Mcgillivray is a financial advisor with LPL Financial, holding a Series 66 designation and 23 years of industry experience. He has worked with LPL Financial since 2013 and also owns KEM Tax, where he provides tax preparation and accounting services. Previously, he served as a trustee at Trustee Empowerment & Protection, Inc. from 2003 to 2013. Mcgillivray is also a notary, offering document notarization services to clients. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides financial planning, model portfolios, third-party asset management, and institutional platforms, leveraging technology and a large network of advisors to deliver varied investment strategies.

Nikki Abbott is the Vice President, Wealth Planner at Fidelity Investments, where she has served in various capacities since 2004. She currently serves as a trusted primary advisor, working closely with clients to understand their unique goals and priorities and to develop comprehensive wealth plans. Her career at Fidelity Investments spans over 21 years, during which she has held roles including Vice President Financial Consultant, Financial Consultant, Investment Consultant, Financial Representative, and Risk Management Department Intern. This extensive experience reflects her dedication to helping clients make confident progress toward their financial futures.

Kyle Vinci is a financial advisor with Osaic Wealth Inc. He holds a Series 66 designation and has one year of industry experience. His prior roles include working at Bruce A. Favorat, CFP. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services, emphasizing model-based asset allocation and portfolio optimization through multiple program options and third-party manager selections.

Tomas Goncharenko is a financial advisor with Mass Mutual Investors Services holding a Series 63 designation and two years of industry experience. Prior to joining MassMutual and its affiliate MML Investors Services, he worked at Gordon College for three years and Gymnasium 36 for eleven years. Mass Mutual Investors Services 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, structuring client engagements around collaborative annual planning and goal analysis using firm-approved tools.