Ken Ludy is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2020. He has been with Fidelity Investments since 2001, progressing through various positions including Investment Consultant, Branch Service Manager, and Retirement Solutions Manager. Prior to joining Fidelity, Ken worked as a Financial Advisor at Morgan Stanley Dean Witter from 2000 to 2001. With over 24 years of experience in the financial services industry, Ken collaborates closely with families to develop personalized financial plans tailored to their unique needs at different stages of life. His approach emphasizes understanding clients as individuals and investors to help them work toward their financial goals. Outside of his professional career, Ken is interested in golf, parenthood, and skiing.

Lynette Forder is a financial advisor at Morgan Stanley in Worcester, MA, holding a Series 66 designation with three years of industry experience. Her prior work includes roles at Grafton Schools and Hordern Wealth Management, as well as periods focused on homemaking and extended travel. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and investment research.

Alexander Hamboyan is a Financial Advisor at Merrill Lynch Wealth Management with over 10 years of experience in banking, financial services, and financial advising. He has a background in Wealth Management and has held roles at Bank of America/Merrill, State Street Corporation, Brown Brothers Harriman, and a FinTech startup. He applies analytical and problem-solving skills to provide holistic financial advice that emphasizes cash flow analysis and tax efficiency through prudent investment selection in both taxable and retirement assets. Alexander focuses on retirement planning for individuals and families near or in retirement, especially those in the biotech, pharmaceutical, and scientific fields. He also provides guidance for younger individuals and families on college planning, tax-efficient investment strategies such as concentrated stock positions, employee stock options, executive compensation benefits, and customized goal-based financial planning. He works with clients to understand their risk tolerance, time horizon, and investment objectives to help them achieve their financial goals. Alexander holds the FINRA Series 7 and 66 registrations, Massachusetts Life, Accident, Health, and Sickness Insurance Licenses, and the Chartered Retirement Planning Counselor™ (CRPC™) and Accredited Wealth Management Advisor™ (AWMA™) designations. He earned his Bachelor's Degree from the University of Massachusetts Amherst and is affiliated with the College For Financial Planning. Outside of work, he enjoys golfing, skiing, hiking, fishing, traveling, and spending time with his wife Claudia, daughter Evelyn, and family and friends in Massachusetts, Maine, and across New England.

Jason Port is a financial advisor at Fidelity with Series 63, 65, and 66 licenses and four years of industry experience. His prior work includes roles at McLane Middleton, Choate, Hall & Stewart LLP, and Fidelity Personal Trust Company, FSB. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, as well as registered investment companies and a Charitable Gift Fund. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory solutions.

Matthew Mina is a financial advisor with Ameriprise in Sterling, MA, holding a Series 66 designation and six years of industry experience. His career includes roles at Ameriprise Financial Services, Helen of Troy, and SMC Scientific Molding Company. Ameriprise offers a retirement-income planning service focused on individuals near or in retirement with substantial investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with automated recommendation generation overseen by a specialized team and emphasizes the use of affiliated funds in its product offerings.

Jonathan Albano is a financial advisor at Cetera with 25 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 65 licenses. Since 2013, he has been affiliated with Cetera ADVISORS LLC and currently serves as a co-trustee for several client trusts. Cetera Investment Advisers LLC is an SEC-registered firm serving 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 third-party money managers.

Howard Goldstein is a financial advisor with Cetera, holding Series 63 and Series 65 designations and 27 years of industry experience. He has worked at Cetera since 1999 and has prior experience in accounting, including ownership of an accounting office in Framingham, MA. His background also includes roles at the U.S. Department of Defense and various accounting firms. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers portfolio management, financial planning, and access to multiple investment program platforms, supporting a multi-manager approach with over $256 billion in assets under management.

Weliton Sousa is a financial advisor with Morgan Stanley in Westborough, MA, holding a Series 66 designation and four years of industry experience. He previously worked at Putnam Investments and has been associated with Morgan Stanley and its Private Bank since 2021. Outside of advising, Sousa works as a summer camp counselor at the Ron Burton Training Village in Hubbardston, Massachusetts. Morgan Stanley Wealth Management provides a wide array of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Phillip Wong is a financial advisor at OSAIC with 31 years of industry experience. He holds Series 63 and Series 66 credentials and has been with OSAIC since 2013. He is also the owner of Boston Wealth Management, a limited liability company that provides insurance products including life, disability, long-term care, annuities, and property/casualty coverage. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing various asset-allocation tools and third-party solutions to manage portfolios across different investment types.

Christopher Campbell is a financial advisor at Cetera with 22 years of industry experience and holds a Series 66 designation. His prior work includes roles at Voya Financial Advisors and Mariner. Outside his advisory work, he serves as treasurer for the F Factor Golf League, a nonprofit organization. Cetera Investment Advisers LLC serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, operating a multi-manager platform with discretionary and non-discretionary options.

Scott Maccausland is a financial advisor with LPL Financial in Westborough, MA, holding Series 63 and Series 65 licenses and 29 years of industry experience. He has been with LPL Financial (formerly LINSCO/Private Ledger Corp.) since 1997. Outside of his advisory role, he is involved in independent insurance sales focusing on long-term care insurance and fixed annuities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, including model portfolios and third-party asset management, supported by advanced research and operational tools.

Kailey White is a Planning Consultant at Fidelity Investments, where she collaborates with Financial Consultants and the wealth management team to support clients' comprehensive financial planning needs. She partners with clients to understand their priorities, align their goals and values, and ensure their financial plans reflect what matters most to them. Kailey has been with Fidelity Investments since 2018. She began her career as a Financial Representative and progressed to the role of Relationship Manager before becoming a Planning Consultant in 2023.

Michael Abramo is a financial advisor at LPL Enterprise with four years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Natixis Distribution, Morgan Stanley, Fidelity Investments, and Eastern Trust Wealth Management. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, insurance products, and affiliated trust services.

John Maher is a CFA® charterholder with over 31 years of industry experience. He has been with Cetera and its affiliated entities since 2013. Outside of his advisory role, he is a co-owner of a vacation rental property in Snowmass, Colorado. Cetera Investment Advisers LLC is a large SEC-registered multi-manager platform that serves a broad range of clients including individuals, retirement plans, and institutional accounts, offering both discretionary and non-discretionary portfolio management and access to third-party money managers.

Gregg Catsoulis is a financial advisor at OSAIC with 28 years of industry experience. He holds Series 63 and Series 65 credentials. His prior experience includes roles at Securities America Advisors, The Patriot Financial Group, and LPL Financial. Outside of advising, he is involved as managing partner of Patriot Benefit Services, a firm focused on fixed group insurance sales and service. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and investment advisory services, financial planning, and retirement plan consulting. The firm employs asset-allocation tools and risk-tolerance questionnaires to construct diversified portfolios across multiple asset classes.

Michael Fratto is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2019. He has been with Fidelity Investments since 2005, serving in various positions including Financial Consultant, Investments Representative, and Financial Representative. Prior to joining Fidelity, he worked at Smith Barney from 2000 to 2004, where he held the roles of Sales Assistant and Financial Consultant. Michael supports his clients in pursuing their financial goals through a process of planning, implementation, and ongoing monitoring. He holds a California Insurance License. Outside of his professional work, Michael enjoys family activities, football, and traveling.

Richard Moore Jr. is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been affiliated with Cetera Advisors LLC since 2013 and transitioned to Cetera in 2024. Outside of his advisory role, Moore is the owner of a travel baseball program, Energy Athletics, and serves as a notary public. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers across various program structures.

Trey Howes is a Financial Consultant at Fidelity Investments, where he collaborates with clients and families to develop comprehensive financial plans aligned with their goals. He has been with Fidelity Investments since 2022, progressing through several roles including Financial Representative, Relationship Manager, and Planning Consultant before assuming his current position in 2026. His career reflects experience in client relationship management and financial planning. Trey's professional journey at Fidelity demonstrates his commitment to helping clients navigate their financial futures through tailored consulting. Outside of his professional life, he has personal interests that include baseball, fishing, fitness, spending time at the lake, outdoor adventures, and caring for pets.

Sydney Pare is a Planning Consultant at Fidelity Investments, where they collaborate with families to understand their priorities, preferences, and financial goals. In this role, Sydney focuses on developing comprehensive financial plans that align with clients' overall financial situations. Sydney has held several positions at Fidelity Investments since 2021, including Relationship Manager, Financial Representative, High Net Worth Service Associate, and Customer Relationship Advocate. This progression reflects Sydney's experience in client relationship management and financial services within the company. Specific details regarding Sydney's education, credentials, personal interests, or community involvement were not provided.

Francis Randall is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 18 years of industry experience. His prior roles include positions at Edward Jones, Principal Securities, and Newport Group. 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 financial planning and asset management services, utilizing various investment models and advisory strategies.