Matthew Petralia is a financial advisor at Fidelity with 29 years of industry experience. He holds Series 63 and Series 66 designations and has worked previously with Newport Group Securities, Inc. and Newport Group, Inc. His tenure at Fidelity includes roles within Fidelity Brokerage Services and Strategic Advisers LLC. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios across mutual funds, ETFs, and ETPs, with distinct involvement in commodity pool operations and advisory roles to multiple registered investment companies.

Joseph Delano Jr. is a financial advisor with LPL Financial in Marlborough, MA, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has been with LPL Financial since 1991, including its predecessor LINSCO/Private Ledger Corp. Delano serves on the board of St. Marys Credit Union, a nonprofit organization. LPL Financial is a national SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, credit unions, corporations, and charities. The firm offers a wide range of financial planning and advisory programs supported by research and multiple management strategies.

Susan Watson is a financial advisor with OSAIC, holding Series 65 and Series 63 licenses and seven years of industry experience. She has worked at OSAIC since 2023 and previously at Sagepoint Financial and Legacy Financial Advisors. In addition to her advisory role, she serves as an operations manager at Synergy Wealth Partners, providing client support and business management to financial advisors. OSAIC Wealth, Inc. serves a diverse client base including individuals, institutions, and charitable organizations through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and advisory services, employs firm-provided asset-allocation tools and automated rebalancing, and supports various third-party managed-account solutions.

Paul O'Malley is a financial advisor at OSAIC with five years of industry experience and holds a Series 66 designation. His prior roles include positions at SagePoint Financial and Securian Advisors of New England, and he also operates an accounting and tax preparation business under James A. O'Malley, C.P.A. Additionally, he offers clients fixed insurance products as part of his other business activities. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers, providing brokerage and advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios that include various investment types, with options for discretionary and non-discretionary accounts.

Samuel Grudzien is a Planning Consultant at Fidelity Investments, where he has been serving clients since 2022. He approaches financial planning with a focus on frugality, integrity, and empathy, emphasizing thoughtful and judgment-free client relationships. Samuel listens carefully to clients to help them make informed decisions based on their individual goals and values. His professional experience centers on workplace planning, providing guidance to clients to support their financial well-being. Outside of his professional role, Samuel enjoys cooking and baking, as well as participating in activities such as golf, running, and snowboarding.

Francis Novak is a financial advisor at Morgan Stanley with 41 years of industry experience. He holds a Series 63 designation and has worked at Morgan Stanley and Wells Fargo in various advisory capacities since 2015. Novak is based in Worcester, MA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market outlook models.

Lisa Casillo is a financial advisor at Edward Jones with 16 years of industry experience and holds a Series 66 designation. She has been with Edward Jones since 2009. Casillo is also an author of the industry-related book "How to Not Die Broke." Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over 23,700 financial advisors and $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment solutions under a fiduciary standard.

Madison White is a Series 66-licensed financial advisor with two years of industry experience. She is currently affiliated with Cambridge Investment Research Advisors and previously worked at Pruco Securities LLC and IA Financial Advisors. Outside of finance, she has experience in education and retail, including roles at University of Massachusetts Amherst, Shepherd Hill Regional High School, and WOW Dancewear. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent advisors using a variety of portfolio management approaches and custody arrangements.

Nancy Malone is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 designations and 18 years of industry experience. She has been associated with Raymond James Financial Services since 2008 and with Wheelhouse Wealth Advisors since 2015. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and uses analytical tools to support client goals, with specialized services such as municipal advisory work and SIMPLE IRA Employer Advisory & Consulting programs.

Rob Chwalek is Vice President and Private Wealth Management Advisor at Fidelity Investments. He partners with clients for strategic planning and consulting on complex wealth planning topics. He has been with Fidelity Investments since 1996, holding various roles including Vice President, Executive Planning Consultant from 2012 to 2020; Vice President, Private Client Group from 2006 to 2012; Regional Consultant from 2005 to 2006; Senior Investment Consultant in Portfolio Advisory Services from 2000 to 2005; and Participant Services Group in Retirement from 1996 to 2000.

James Carroll is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and 18 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor Axa Advisors, Llc. Carroll serves on the Board of Directors for Blackstone Valley Development Corp, a nonprofit focused on housing for veterans, low-income, and disabled individuals. Equitable Advisors provides financial planning, retirement plan support, and access to asset management for individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm employs a hybrid referral and implementation model, offering advisory and brokerage/insurance services through multiple third-party asset managers and LPL programs.

Scott Louder is a financial advisor with Raymond James & Associates who holds Series 63 and Series 65 designations and has 32 years of industry experience. He has been with Raymond James & Associates since 2015. Outside of his advisory role, he serves on the finance and investment committee for the nonprofit Urban Missionaries in Worcester, MA. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary services.

Heather Freeman is a Wealth Management Advisor with Merrill Lynch Wealth Management. She joined the firm in 2006 and focuses on serving high-net worth clients, providing advice and guidance aimed at long-term financial success. Heather specializes in areas including college education planning, executive and equity compensation, family wealth management, personal retirement planning, philanthropic and socially responsible investing, special needs planning strategies, and women and wealth. With over 20 years of experience in financial services, Heather holds several professional credentials: the CERTIFIED FINANCIAL PLANNER® (CFP) certification, the Chartered Financial Consultant® (ChFC) designation, the Chartered Retirement Planning Counselor™ (CRPC) designation, and the Personal Investment Advisor (PIA) designation. She earned a Bachelor of Science degree in International Business with a concentration in Finance from the University of Tampa and received her MBA from Quinnipiac University. Heather is involved in her local community through financial literacy initiatives, volunteering as a Dollar Scholar Facilitator with the United Way, and serving on the United Way Women’s Initiative. She has also contributed to the Girl Scouts of Central and Western Massachusetts as a finance committee member and board director, as well as the Young Professional Women’s Association in Worcester. In addition to her professional and philanthropic commitments, Heather enjoys running and coaching rowing.

David Brown is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and previously worked at BlackRock and The 33rd Team. Prior to his advisory career, he was employed by the University of Massachusetts, Amherst and Braintree Public Schools. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-planning advice focused on income sources and tax-aware withdrawal strategies.

Marianne Cunha Simmons is a Wealth Management Planning Consultant at Fidelity Investments, where she collaborates with the Wealth Management team to assist clients in developing personalized financial plans aimed at achieving their individual financial goals. She has been in her current role since 2023. Ms. Simmons has extensive experience in the financial services industry, having held various positions at Fidelity Investments since 1998, including Planning Consultant, Senior Relationship Manager, Premium Services Representative, and Retirement Planning Representative. She also worked as a Registered Sales Assistant at DCU Financial from 2011 to 2013. Her career reflects a long-standing commitment to client service and financial planning. No information about her education, credentials, personal interests, or community involvement has been provided.

Diane Burke is a financial advisor with Morgan Stanley in Westborough, MA, holding a Series 66 designation and over 10 years of industry experience. She has been with Morgan Stanley Smith Barney since 1999. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm utilizes structured discovery conversations and proprietary planning tools, including the Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations, to develop its financial plans.

Nicholas Pucillo is a Series 66 licensed financial advisor at Fidelity with one year of industry experience. His prior work includes roles in education with Bentley University and the Acton-Boxborough School District. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including model portfolios built from mutual funds, ETFs, and ETPs.

Margaret Simonds is a financial advisor with Mass Mutual Investors Services in Southborough, MA, holding a Series 63 license and 11 years of industry experience. Her prior roles include positions at Park Avenue Securities and Guardian Life. She is also active as a sales agent in individual and group life, health, disability income, and long-term care insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing, collaborative planning engagements that use firm-approved tools to analyze client goals and deliver written recommendations.

Michael Parente is a CFP® with 37 years of industry experience. He is currently with Cetera and has held roles at Cetera Advisors LLC since 2013 and Parente, Bufalo & Co., Inc. since 1995. Outside of his advisory work, he co-owns an accounting and tax preparation firm and serves as a trustee and co-executor for family trusts and estates. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with diverse investment strategies, including discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, supported by a nationwide network of over 10,000 advisors.

Maxwell McGourty is an Investment Consultant at Fidelity Investments, a role he has held since 2024. He works with clients to co-create investment plans related to their financial goals. Prior to this position, he held several roles at Fidelity Investments, including Investment Solutions Representative from 2023 to 2024, High Net Worth Representative from 2022 to 2023, and Customer Relationship Advocate from 2021 to 2022. His experience encompasses various aspects of client relationship management and investment solutions within the firm.