Robert Todisco is a Financial Consultant at Fidelity Investments, a position he has held since 2021. He has been with Fidelity Investments since 2015, progressing through roles including Planning Consultant, Relationship Manager, Financial Representative, Workplace Planning and Guidance Consultant, and Workplace High Engagement Team Representative. In his professional capacity, Robert works with individuals, families, and businesses to prioritize their goals and develop wealth plans that align with their visions. His experience encompasses financial planning and client relationship management. Outside of his professional work, Robert's personal interests include boating, family activities, golf, parenthood, pets, and traveling.

Ryan Miller is a financial advisor at Ameriprise in Wellesley, MA, holding a Series 66 designation with five years of industry experience. His work history includes multiple roles at Ameriprise since 2017, a position at WisdomTree Investment Inc in 2021, and employment at Lawrence Academy from 2015 to 2017. Outside of his advisory role, he manages an advisory business through Array Services LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, notable for its Premier Retirement Income service, which provides tailored retirement income planning and ongoing advice based on comprehensive investment research and tax-aware strategies.

Jory Fong is a financial advisor at Wells Fargo Clearing with eight years of industry experience. He holds Series 63 and Series 65 designations and has worked at several firms, including Syncretic Capital, Enigma Securities, Allurion Technologies, and SG Americas Securities. Wells Fargo Clearing provides retirement plan consulting services for qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Arushee Divyakirti is a Financial Advisor at Merrill Lynch Wealth Management. In this role, she collaborates with individuals and families to identify and develop tailored financial strategies that span short-, mid-, and long-term goals. Her client focus areas include college education planning, liquidity management, personal retirement planning, philanthropic planning, women and wealth, tax minimization, and retirement income. With over a decade of experience, Arushee provides comprehensive guidance ranging from general investing to retirement planning and savings strategies. She partners with Bank of America specialists to offer clients additional banking, credit, home financing, and small business solutions. Arushee holds a Bachelor's Degree from the University of Delhi, a Master's Degree from Western Michigan University, and has completed an Accredited Certificate Program from the Hindu Institute of Management. She also holds the Personal Investment Advisor (PIA) professional designation and is licensed under NMLS#2430426. Fluent in English and Hindi, Arushee is involved with the community organization Ekal Vidyalaya USA. Outside of her professional responsibilities, she enjoys camping, cooking, hiking, spending time with her family, and watching movies.

Thomas Halloran is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 36 years of industry experience. His prior work includes positions at VOYA Financial and its advisory divisions. Outside of his advisory role, he is involved with nonprofit organizations such as Good Sports and Junior Achievement of Northern New England and is an author of a self-published children’s book. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

John Mazzone is a financial advisor at OSAIC with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms including SagePoint Financial, Citizens Securities, Wells Fargo Clearing Services, and Santander Securities. Outside of his advisory work, he owns a sole proprietorship called John's Cord Wood, which provides tree removal and arborist services. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a large multi-advisor platform. The firm offers a range of brokerage and advisory services with an investment approach that emphasizes model-based asset allocation, portfolio optimization, and the use of discretionary and third-party strategies.

Brent Fisk is a financial advisor at Raymond James Financial with 20 years of industry experience. He holds the Series 66 designation and has worked at firms including LPL Financial LLC, Edward Jones, and Sammons Financial Network. Fisk is also involved in a real estate rental business in Massachusetts. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public finance work through its affiliation with a municipal advisor.

Carter Castillo is a financial advisor at Fidelity with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Fidelity, his work experience includes roles at PepsiCo, Amazon, and several recreational and retail organizations. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base including retail and institutional investors. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, model portfolios, and fund advisory services.

Michael Geary is a financial advisor at LPL Financial with over 50 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Ameriprise Financial Services, Wells Fargo Clearing, and A. G. Edwards & Sons. LPL Financial is a national broker-dealer and registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms.

Michael Crotty is a financial advisor with Cambridge Investment Research Advisors in Millbury, MA, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. He has been with Cambridge since 2016. Outside of his advisory role, Crotty serves as a board member and treasurer for a nonprofit organization that provides grants to schools. Cambridge Investment Research Advisors serves a diverse client base including individual and institutional clients such as pension and charitable organizations. The firm offers financial planning, ongoing investment management, retirement-plan advisory, and wrap-fee programs, utilizing multiple platforms and proprietary model strategies under its Founders Gate Capital brand.

Sean Tully is a financial advisor at Raymond James Financial Services Advisors, Inc., holding a Series 66 designation with three years of industry experience. He has worked at Raymond James and North Atlantic Investment Partners, LLC, where he serves as an associate. Outside of advisory roles, he has experience in various business and community settings, including positions at Bentley University and other organizations. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual, high-net-worth, corporate, and institutional clients. The firm offers tailored non-discretionary planning and investment consulting, utilizing risk profiling and analytical tools, and supports municipal and public-finance work through a unique municipal advisor affiliation.

Daniel Hoban is a financial advisor at Ameriprise with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Ameriprise and its affiliate since 2009. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendation reports, using a centralized consulting team and algorithmic tools to support tailored retirement income strategies.

Atea Stiko is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds Series 66 and Series 63 credentials. Her work history includes roles at J.P. Morgan Securities, JPMorgan Chase Bank, Meze LLC, and Santander Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research with a range of investment and derivatives capabilities.

Daniel Riley is the Vice President, Wealth Planner at his current firm. He holds the designation of CERTIFIED FINANCIAL PLANNER™ which underscores his commitment to partnering with clients to understand their personal and financial priorities. He works closely with clients to co-create financial plans aimed at providing peace of mind, enabling them to concentrate on what matters most to them and their families. Daniel has professional experience spanning several roles in the financial services sector. He has been a Financial Consultant at Fidelity Investments since 2023, after serving as an Investment Consultant there from 2021 to 2022. Prior to that, he worked as a Financial Advisor at Equitable Advisors LLC from 2019 to 2021. Outside of his professional work, Daniel enjoys activities such as baseball, boating, fishing, fitness, football, and outdoor adventures.

Michael Lucarello is a financial advisor at Cetera with a Series 66 designation and two years of industry experience. He is the owner of two tax preparation businesses and manages a beekeeping operation that sells honey. Additionally, he holds an executive producer role in a film investment enterprise. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers diversified portfolio management and financial planning services through a multi-manager platform that supports both discretionary and non-discretionary strategies.

Michael Mazeika is a financial advisor with Morgan Stanley in Worcester, MA, holding Series 63 and Series 65 credentials and possessing 26 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Outside of his advisory role, Mazeika manages multifamily rental properties as a sole proprietor. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning services supported by structured planning tools and market modeling techniques.

Ryan Fitzpatrick is an Investment Consultant at Fidelity Investments. In this role, he collaborates closely with individuals and families to build comprehensive wealth plans tailored to their personal and financial needs, aiming to help them work toward their financial goals with confidence and clarity. Ryan's professional experience includes positions at Fidelity Investments starting in 2023, progressing from Financial Representative to Relationship Manager before becoming an Investment Consultant. He also completed an internship in US Retail Wholesale at MFS Investments in 2022. Outside of his professional work, Ryan's personal interests include attending concerts, fishing, fitness, golf, running, and yoga.

Brian Waters is a financial advisor with Wells Fargo Clearing in Worcester, MA, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. He has been with Wells Fargo Clearing since 2016. Waters serves as trustee and co-executor for family trusts and estates in Shrewsbury, MA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm employs over 14,000 advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

H. Muscatello is a financial advisor with LPL Financial based in Westborough, MA, holding a Series 66 designation and bringing 23 years of industry experience. His career includes roles at Merrill and Bay Financial Advisors Inc., and he has been with LPL Financial since 2009. Outside of advisory work, he is involved in the sale and service of traditional insurance products through Bay Financial Associates LLC. 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 offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by investment adviser representatives who utilize various strategies and operational tools.

John Lamontagne is a financial advisor at Cetera with over 31 years of industry experience. He holds Series 63 and Series 66 credentials and has a background in insurance and employee benefits sales through various related agencies. Lamontagne is also a member of The Worcester Economics Club, a local networking organization. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting both discretionary and non-discretionary investment approaches.