Towera Gondwe is a financial advisor at Citizens Securities, Inc. with 24 years of industry experience. She holds Series 63 and Series 65 designations and has been with Citizens Securities since 2015. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm provides both a digital advisory program with ETF-based portfolios and a Managed Account program, operating as a broker-dealer and insurance agency.

Hai Nguyen is a financial advisor with Eagle Strategies (NY Life) based in Waltham, MA, holding Series 63 and Series 65 licenses and having 14 years of industry experience. He has been affiliated with Eagle Strategies since 2025 and previously with Nylife Securities and New York Life Insurance Company since 2010. Outside of his advisory role, he is also appointed as an insurance broker for non-registered insurance products. Eagle Strategies serves a diverse clientele including individual investors and institutional plans, offering financial planning, investment management, and retirement-plan advisory services. The firm provides tailored advice through multiple program types and manages a substantial asset base primarily on a non-discretionary basis within an integrated New York Life affiliate structure.

Nancy Schwartz is a financial advisor with Guardian Life in Newtonville, MA, holding Series 63 and Series 65 licenses and 14 years of industry experience. She has worked exclusively with Guardian Life and its affiliate Park Avenue Securities throughout her career. Outside of her advisory role, she serves as a power of attorney for her parents. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, offers brokerage and advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm provides a combination of advisor-led discretionary management, model-based strategies, and access to proprietary and third-party investment solutions, with tailored client relationships that include financial planning and consulting services.

Andrew Ross is a CERTIFIED FINANCIAL PLANNER™ with 18 years of experience in the financial services industry. He has worked at Integrated Wealth Concepts LLC since 2016 and has prior experience at LPL Financial, Osaic FA, Inc., and Davinci Capital Management. His outside activities include providing non-variable insurance services. Integrated Wealth Concepts LLC serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent financial advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services, with customized portfolios constructed primarily using mutual funds, ETFs, individual equities, and fixed income.

Matthew Valentine is a financial advisor at Focus Partners Wealth, LLC with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at GW & Wade, State Street Global Advisors, Brighton House Associates, and Investors Capital Corp. Outside of advisory services, he is a licensed real estate broker and manages residential rental properties. Focus Partners serves individuals, high-net-worth families, family offices, and institutional clients, offering wealth management, financial planning, and investment advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach that combines active and passive strategies within an enhanced open architecture framework.

Ari Stonehill is a financial advisor at Guardian Life with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Guardian Life and its subsidiaries since 1996. Outside of his advisory role, he occasionally sells insurance products not offered by Guardian Life. Guardian Life, through its subsidiary Park Avenue Securities LLC, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers tailored client relationships with a combination of discretionary management, model-based strategies, and access to insurance products and alternative investments.

Brian McGrath is a financial advisor at Guardian Life with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Park Avenue Securities and Guardian Life since 2016. McGrath participates as a guest speaker at The Living Balance Sheet Foundations training sessions and is co-managing member of HUB Wealth Strategies, LLC, an entity focused on marketing and business team activities. Guardian Life, through its subsidiary Park Avenue Securities LLC, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a range of solutions including advisor-led discretionary management, model-based strategies, proprietary wrap programs, and third-party advisory platforms.

Peter McAvinn is a CFP® with 41 years of industry experience, currently serving as a financial advisor at Eagle Strategies (New York Life) since 2004. He has been affiliated with New York Life Insurance Company and Nylife Securities LLC since 1995. Outside of his advisory role, he is president of The Julie Fund, a non-profit organization, and serves as treasurer for the Research Agencies Group, a LIMRA-based study group. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to individual and institutional clients. The firm offers a variety of advisory programs tailored to client objectives, focusing primarily on non-discretionary asset management and working within an integrated New York Life affiliate structure.

Morgan Mc Master is a financial advisor at Commonwealth Financial Network with five years of industry experience and holds the Series 66 designation. He has worked at SullivanKreiss Financial and Altara Wealth, among other firms. Outside of his advisory role, he works as a spin instructor at The Core Connection. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 affiliated advisors. The firm offers a range of managed-account programs, access to third-party asset managers, and custodial services, serving individual and institutional clients.

Jonathan Holt is a financial advisor with Commonwealth Financial Network in Newton, MA, holding the CFP® designation and Series 66 license. He has 17 years of industry experience, having worked at Malone Financial Consulting from 2007 to 2018 and Your Path Financial Solutions since 2018. Holt’s other business activities include fixed insurance sales conducted through Your Path Financial Solutions. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing around $212.7 billion in client assets. The firm provides a broad adviser-support platform that includes managed-account programs, access to third-party managers, retirement consulting, and custody services.

Victor Shulman is a financial advisor with Eagle Strategies (NY Life) based in Westborough, MA, holding Series 63 and Series 65 licenses and 14 years of industry experience. His prior work includes ten years at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory role, he is involved in brokering non-registered insurance products and property and casualty insurance with outside carriers. Eagle Strategies serves a diverse client base including individual and institutional investors, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored advice through various program types, managing a substantial portion of assets on a non-discretionary basis while operating within the New York Life affiliate structure.

Nina Bond is a financial advisor with Commonwealth Financial Network based in Westborough, MA, holding CPA and CDFA credentials and having nine years of experience in accounting and financial advisory roles. She is the owner of Nina D. Bond CPA CDFA PC, a firm providing CPA services since 2017. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors and manages roughly $213 billion in client assets, offering a broad range of managed-account programs, third-party asset manager access, and custody services.

Daniel Frankel is a financial advisor with Integrated Wealth Concepts LLC in Waltham, MA. He holds Series 63 and Series 65 licenses and has 18 years of industry experience. Frankel has been with Integrated Wealth Concepts and LPL Financial, LLC since 2016, and has worked with Ellis Insurance Agency, Inc. since 2008. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent financial advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services, using customized portfolios primarily composed of mutual funds, ETFs, individual equities, and fixed income with a long-term investment approach complemented by shorter-term trading for rebalancing and cash management.

Martha Payne is a financial advisor at Integrated Wealth Concepts LLC with 23 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Integrated Wealth Concepts and LPL Financial since 2016. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent financial advisors. The firm offers discretionary investment management, financial planning, and family office services, employing customized portfolios primarily using mutual funds, ETFs, equities, and fixed income with a long-term investment approach supplemented by shorter-term trades for rebalancing.

William Vigor is a financial advisor with TIAA-CREF who holds Series 63 and Series 65 licenses and has 26 years of industry experience. He has been with TIAA-CREF since 2014. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals linked to TIAA-administered employer retirement plans as well as trusts, estates, and small retirement plans. The firm’s advisory model separates one-time financial planning from ongoing discretionary management and acts as adviser to a donor-advised fund while operating within a vertically integrated group using affiliated funds.

Jake Rozhansky is a financial advisor at Guardian Life with a Series 66 designation and two years of industry experience. His background includes roles in both insurance and real estate sectors, as well as prior work with sports organizations. Guardian Life, through its subsidiary Park Avenue Securities LLC, offers brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm combines advisor-led discretionary management with model-based strategies and provides access to proprietary programs, third-party advisory solutions, and insurance products.

David Hanafin is a financial advisor at OSAIC Institutions, Inc. with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Northern Bank & Trust for 19 years followed by over a decade at Infinex Investments, Inc. Hanafin is also involved in insurance-related activities, serving as a liaison for various insurance agencies connected to banking services. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients. The firm provides customized advisory services, financial planning, and access to alternative investments through a hybrid adviser and broker-dealer model that combines firm supervision with delegated account management.

Jennifer Watson is a financial advisor at Savant Wealth Management with 17 years of industry experience. She holds Series 63 and Series 66 licenses and previously spent 20 years at Heritage Financial Services, LLC. Watson joined Savant Wealth Management in 2026. Savant Wealth Management serves individuals, families, pension and profit-sharing plans, charitable organizations, corporations, and high-net-worth clients with comprehensive wealth management, portfolio management, financial planning, retirement plan consulting, and family office services. The firm combines evidence-based, model-driven asset allocation using mutual funds and ETFs with actively managed strategies and sub-advised mandates.

Bin Chen is a CFA® charterholder currently with Hightower Advisors in Natick, MA, where he has been since 2023. He has four years of industry experience, including previous roles at Boston Hill Advisors, Ager Group, and CreditEase Wealth Management. Outside of his advisory work, Chen is a shareholder in his family’s design firm and a family-owned restaurant. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients, offering portfolio management, financial planning, and retirement consulting through a network of Advisor Practices. The firm’s approach emphasizes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers along with proprietary research and a variety of investment vehicles.

Christina De Sario is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and five years of industry experience. She has been with Commonwealth since 2017 and previously worked at SimpliSafe, Inc. from 2015 to 2017. 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 about $212.7 billion in client assets. The firm provides a comprehensive adviser-support platform that includes managed-account programs, access to third-party asset managers, retirement consulting, and custody services.