Timothy McMaster is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and nine years at the firm. He has six years of industry experience and previously worked at Bentley University for four years. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and managing roughly $212.7 billion in client assets. The firm provides a comprehensive support platform with discretionary and nondiscretionary managed-account programs, access to third-party asset managers, retirement and plan consulting, and custody and clearing services.

Brent Pacheco is a financial advisor with VALIC Financial Advisors and holds a Series 66 designation. He has two years of industry experience, including roles at VALIC and Agia, where he is also appointed as an agent to sell non-securities insurance products. Prior to his financial services career, he worked at Toyota of Dartmouth and attended the University of Massachusetts Amherst. VALIC Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction and management.

Samuel Niro is a Series 66-registered advisor with Commonwealth Financial Network, based in Waltham, MA. He joined Commonwealth in 2024 and has prior work experience at Blackstone Valley Naturals LLC, Home Depot, and Knapik Law Office. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser supporting a nationwide network of approximately 2,900 advisors and managing over $212 billion in client assets. The firm provides a comprehensive adviser-support platform that includes managed-account programs, access to third-party asset managers, retirement and plan consulting, and custody and clearing services.

Dennis Franson is a financial advisor at Commonwealth Financial Network with over 51 years of industry experience. He holds the Series 63 designation and has been associated with Commonwealth Equity Services, Inc. since 1994. Additionally, he is involved in fixed insurance sales, dedicating a small portion of his business hours to this activity. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, offering a range of advisory programs and services including wealth management, retirement plan consulting, and access to third-party asset managers. The firm provides operations, trading, technology, investment management, compliance, and practice-management support to affiliated advisors.

David Visini is a financial advisor at Citizens Securities, Inc. with three years of industry experience. He holds Series 65 and Series 63 credentials and has prior experience at JPMorgan Chase Bank and Santander Bank. Outside of finance, he teaches tap dancing and assists with marketing at Refine Dance Studio, a family-owned business. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm’s advisory programs include a digital platform focused on ETF-based portfolios and discretionary Managed Accounts.

Xiaodong Wu is a financial advisor with Transamerica Financial Advisors in Waltham, MA, holding Series 63 and Series 65 licenses and possessing 11 years of industry experience. His career includes roles related to insurance and benefits with multiple companies such as Nationwide, Principal Life Insurance Company, and International Medical Group, among others. Wu also engages in selling various insurance products through independent contractor positions with several health and life insurance providers. Transamerica Financial Advisors serves a wide range of clients including individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers both advisory and broker-dealer services, utilizing proprietary and third-party model portfolios and delivering discretionary and non-discretionary investment programs.

Steve Statzer is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. His prior roles include 15 years at Sagepoint Financial, Inc., followed by positions at OSAIC and Terramar Wealth. Outside of advisory work, he is co-owner of the Statzer Revocable Living Trust, an entity involved in managing residential real estate. Commonwealth Financial Network supports a national network of approximately 2,950 advisors, providing advisory programs, technology, and operational support. The firm offers a range of investment management solutions including discretionary model portfolios and customized program structures, serving both retail and institutional clients.

Nathaniel Smith is a financial advisor with Empower Advisory Group in North Andover, MA, holding Series 63, Series 65, and Series 66 licenses and bringing 24 years of industry experience. He has worked at GWFS Equities, Inc. since 2013. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, delivering integrated services aligned with Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and annual rebalancing while serving a large participant base relative to its advisor count.

Tara Verbeek is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 14 years of industry experience. She has been with Commonwealth Financial Network since 2011. 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 and personalized investment solutions, while providing operations, trading, technology, compliance, and practice-management support to affiliated advisors.

James Whiteman is a financial advisor at Commonwealth Financial Network with 19 years of industry experience. He holds the Series 66 designation and has been with Commonwealth since 2008. 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 provides a range of advisory programs and services, including wealth management and retirement plan consulting, while supporting affiliated advisors with operations, technology, investment management, and compliance.

Grace Moleski is a CFP® professional with six years of industry experience currently affiliated with Focus Partners Wealth, LLC. Prior to joining Focus Partners Wealth in 2026, she worked at Pathstone Family Office for five years and held roles at Ameriprise Financial Services Inc. and GEN Financial Management Inc. She also has a background in the hospitality industry. Focus Partners Wealth serves a diverse client base including individuals, high-net-worth families, family offices, corporations, retirement plans, and institutions, offering a wide range of wealth management and advisory services through a long-term, tax- and fee-sensitive investment approach that integrates fundamental and quantitative analysis with various asset management strategies.

Charles Costa II is a financial advisor with Empower Advisory Group, holding Series 63 and Series 66 licenses and six years of industry experience. His prior work includes roles at GWFS Equities, Renewables Worldwide, and Pella Windows and Doors. Outside of his advisory work, Costa occasionally performs paid musical gigs and bartends at a live music venue. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain retail brokerage clients. The firm employs an integrated service model connected to Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

John Howard Jr. is a financial advisor with Eagle Strategies (NY Life) based in Wakefield, MA, holding Series 63 and Series 65 designations with 19 years of industry experience. He has been associated with Eagle Strategies since 2009 and has operated under the DBA Rocco Insurance and Financial Group since 2019, brokering non-registered insurance products alongside his advisory role. Eagle Strategies serves a diverse client base including individual investors and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple program types and emphasizes non-discretionary asset management within an integrated New York Life affiliate framework.

Richard Zachary is a financial advisor at TIAA-CREF with 25 years of industry experience and a Series 66 designation. His career includes roles at Fidelity, E*TRADE, Nationwide Investment Services, and other financial services firms. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, and small retirement plans, often serving clients with existing retirement relationships through TIAA. The firm’s model distinguishes point-in-time planning from ongoing discretionary management and acts as adviser to a donor-advised fund while operating within a vertically integrated group using affiliated funds.

Michael Wilson is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 credentials and 18 years of industry experience. His career includes roles at Avantax Investment Services and Donnelly Boland & Associates. Outside of advisory services, he owns Wilson Accounting Group, LLC, which provides accounting and payroll services. Commonwealth Financial Network is a national dual-registered broker/dealer and SEC-registered investment adviser supporting approximately 2,900 advisors and managing over $212 billion in client assets. The firm offers a comprehensive adviser platform with both discretionary and nondiscretionary managed-account programs, access to third-party asset managers, and custody services.

Christopher O'Day is a financial advisor at Integrated Wealth Concepts LLC with 2 years of industry experience. He previously worked at LGA, LLP and ALL CPAs and has been involved with the Massachusetts Society of CPAs since 2010. Outside of advising, he serves as Director of Marketing for LGA LLP, a CPA and business advisory firm. Integrated Wealth Concepts LLC serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, and family office services, employing a long-term investment approach with customizable portfolios that include mutual funds, ETFs, individual equities, and fixed income.

Daniel Ferris is a financial advisor with First Command Advisory Services, holding a Series 66 designation and seven years of industry experience. Prior to his advisory role, he served twenty years in the United States Army. Outside of his advisory work, he is the founder of High Caliber Solutions LLC, where he teaches military planning, combat leadership, and performance coaching to both service members and civilian businesses. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a particular focus on active-duty service members and their families. The firm provides financial planning and multiple wrap-fee asset management programs managed through a centralized Investment Management Team and Wealth Portfolio Managers.

Joseph Hayes is a CFP® with 20 years of industry experience, currently serving as a financial advisor at Hightower Advisors since 2023. Prior to that, he spent 11 years at Boston Hill Advisors, LLC. He also has a background in brokerage, life, and health sales dating back to 1995. Hightower Advisors provides investment advisory and planning services to a diverse client base including individual and institutional investors. The firm's approach emphasizes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers alongside proprietary research to build customized portfolios.

John Hagberg is a financial advisor at Commonwealth Financial Network with 24 years of industry experience. He holds the Series 66 designation and has been with Commonwealth since 2000. 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 provides a range of advisory programs and services, including wealth management and retirement plan consulting, and supports affiliated advisors with operations, trading, technology, investment management, compliance, and practice-management resources.

Ryan Leahy is a financial advisor with Beacon Pointe Advisors, LLC, holding a Series 65 designation and based in Waltham, MA. He has been with Beacon Pointe Advisors since 2023 and has prior experience at Fidelity Investments, CT Wealth Management, Providence College, Choate Rosemary Hall, and Xavier High School. Beacon Pointe Advisors provides investment advisory and consulting services to a diverse client base including individuals, institutions, and charitable organizations. The firm utilizes a proprietary “Focus List” of independent managers and employs both active and passive asset allocation strategies, supported by a formal due-diligence process and third-party platforms such as Envestnet UMA.