Pharoah Neves is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2008. He has been with Fidelity Investments since 1992, progressing through roles from Customer Service Representative to Financial Consultant and Investment Consultant. Throughout his career, Mr. Neves focuses on comprehensive client profiling and understanding the full financial and family situation to develop plans aimed at achieving financial success, prosperity, stability, and peace of mind for clients and their families. His extensive experience at Fidelity Investments spans over three decades, covering various facets of financial consulting and investment services.

Jay Sylva is a financial advisor at Cetera with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera and its affiliates since 2021, following seven years at VOYA Financial Advisors. In addition to his advisory work, he operates as an independent insurance agent selling fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of over 10,000 advisors. The firm offers a variety of portfolio management and financial planning services, utilizing a multi-manager platform with access to proprietary and third-party strategies.

Han Lee is a financial advisor at Edelman Financial Engines with six years of industry experience. He holds the Series 66, Series 65, and Series 63 licenses. His prior work includes roles at Merrill and Symmetry Financial Group, as well as leadership of Chicken Squadron LLC. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines a committee-driven proprietary modeling process with planner delivery and online tools, offering diversified model portfolios, periodic rebalancing, and a long-term investment orientation.

Mark Chmiel is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds Series 66 and Series 63 licenses and has worked at JPMorgan Chase Bank, Santander Securities, Santander Bank, and Travelex Currency Services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and incorporating both quantitative and qualitative research.

Paul Landry is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His career includes positions at Rockland Trust Company and Mlm Financial Group, as well as Commonwealth Financial Network. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by extensive resources and technology tools.

Kristian Coffey is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. He has previously worked with Banc of America Investment Services, Investors Capital Corp., and Cetera Advisors LLC. Coffey is also co-owner of Legacy Wealth Management, a financial services firm based in Woburn, MA. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, charitable, and institutional clients through a multi-manager platform that offers discretionary and non-discretionary portfolio management, financial planning, and access to multiple program structures and third-party managers.

John Nolan IV is a CFP® and Series 66-credentialed financial advisor with nine years of industry experience. He has held positions at Edward Jones, Commonwealth Financial Network, and the University of Massachusetts Lowell before joining Raymond James Financial Services Advisors Inc. in 2026. Nolan is also involved with Sammons as a non-variable insurance agent. Raymond James Financial Services Advisors, Inc. provides financial planning and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm employs a tailored, non-discretionary approach using risk profiling and analytical modeling, and it offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Joseph Peppe is a financial advisor at Ameriprise with 33 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Ameriprise and its affiliate since 2014. Outside of his advisory role, he manages family rental properties. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet specific eligibility criteria, combining research, modeling, and tax-efficiency analysis to deliver non-discretionary recommendations in partnership with clients’ advisors.

Mark Lefebvre is a financial advisor with LPL Financial in Chelmsford, MA, holding a Series 63 designation and over 35 years of industry experience. He has worked with Crosspoint Financial Advisors since 2015 and Bay Financial Advisors, Inc. from 2004 to 2021. Lefebvre is a half owner of Crosspoint Financial Advisors, where he has managerial duties alongside his advisory work. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice and account management delivered through a large network of investment adviser representatives.

Andrew Menefee is a financial advisor with Charles Schwab in Lynnfield, MA, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. His prior experience includes roles at Fidelity Brokerage Services LLC, TD Ameritrade, and Charles Schwab Bank. Outside of finance, he is the founder and CEO of Centurium Studios, a printing and publishing business. Charles Schwab serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary advisory relationships and access to discretionary separately managed accounts, combining a large client base with an integrated operational structure.

Jonathan Lloyd is a Financial Consultant currently working at Fidelity Investments since 2023. In this role, he partners with clients to develop personalized wealth management plans aimed at accomplishing important goals and achieving long-term financial flexibility. Prior to his current position, Jonathan served as a Planning Consultant at Fidelity Investments from 2021 to 2023. He also has experience as a Wealth Management Advisor at UBS Financial Services between 2018 and 2021. Earlier in his career, he worked at State Street Global Advisors as a SPDR Product Analyst from 2017 to 2018 and as a Business Development Consultant from 2010 to 2017.

Steven Finocchiaro is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 21 years of industry experience. He has worked with Cetera Wealth Services, LLC since 2013 and Winchester Financial since 2007. In addition to advisory services, he is involved as an insurance agent selling life, health, disability, annuities, and long-term care insurance. Cetera is a nationwide SEC-registered advisory firm serving individuals, retirement plans, 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.

Douglas Beaudoin is a Wealth Management Advisor with Merrill Lynch Wealth Management. He holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation and Personal Investment Advisor (PIA) credential. Douglas earned an Associate's Degree from Manchester Community College and a Bachelor's Degree from Southern New Hampshire University. His professional approach focuses on building trust-based relationships through genuine connections and understanding clients' needs. His expertise includes risk management, financial planning, investments, tax management, insurance, estate planning considerations, and retirement savings and income planning. Douglas emphasizes simplifying complex financial concepts and guiding clients toward achieving their financial goals through sound strategies and education. Outside of his professional role, Douglas is a father of three and resides in Massachusetts. He enjoys spending time with his family, watching movies, and engaging in activities such as football, golfing, ice hockey, table tennis, and traveling.

Yekaterina Ferraro is a financial advisor with LPL Financial in Lexington, MA, holding Series 63 and Series 65 licenses and 14 years of industry experience. She previously worked at Citizens Securities Inc. and CITIZENS Bank from 2015 to 2019. Outside of her advisory role, she serves as a yoga instructor at Empower Yoga Studio and an instructor at North Shore YMCA. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management services, utilizing a mix of model portfolios, third-party subadvisors, and customized strategies.

Nicholas Fazio is a financial advisor with LPL Financial in Woburn, MA, holding Series 63 and Series 65 credentials and 20 years of industry experience. He has been with LPL Financial since 2012. Outside of his advisory work, Fazio serves as a high school football coach for Winchester Public Schools and is a commissioned notary public in Massachusetts. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice delivered through a large network of investment adviser representatives using various investment approaches.

Anthony Christopher is a Planning Consultant at Fidelity Investments, where he partners with individuals and their families to develop and implement individualized financial plans. He focuses on building ongoing relationships with clients to understand their financial goals and provide confidence in their financial decisions. Anthony has experience in various roles at Fidelity Investments, including positions as an Investment Consultant, Financial Representative, High Net Worth Representative, and Customer Relationship Advocate. His career at Fidelity began in 2021 and has involved progressively responsible roles focused on client service and financial planning. In his personal time, Anthony engages in activities such as cooking and baking, football, golf, spending time at the lake, watching movies, and solving puzzles.

Jonathan Britton is a financial advisor at OSAIC with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at OSAIC since 2018, previously spending five years with Jhfn Sii. Outside of his advisory role, Britton is involved as a health insurance broker assisting business owners with group health plans and serves as a partner in Coastal Wealth Management, a financial services practice. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by model-based asset allocation, portfolio optimization tools, and various managed account programs, operating through a complex network of affiliated broker-dealer and RIA entities.

Scot Reynolds is a financial advisor at OSAIC with 19 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at OSAIC since 2018, following an 11-year tenure at Sii. In addition to his advisory role, he is a partner at Boston Partners Wealth Management, LLC, which provides financial advisory services through Royal Alliance Associates. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm employs a multi-advisor platform offering both brokerage and advisory services across various programs, with an investment approach centered on model-based asset allocation, portfolio optimization, and a broad range of managed strategies.

Britton Wilson is a financial advisor at Edward Jones with 33 years of industry experience. He has been with Edward Jones since 1992 and holds Series 63 and Series 66 designations. Outside of his advisory role, he is a member and owner of Santucket, LLC, a real estate holding company based in Litchfield, CT. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a nationwide network of over 23,000 financial advisors and a broad branch footprint.

David Tremblay is a Financial Consultant currently working at Fidelity Investments since 2022. He collaborates with clients to develop, implement, and maintain financial plans that align with their individual needs and goals, adapting strategies as those needs evolve over time. He has extensive experience in the financial services industry, having held various roles including Managed Solutions Consultant and Portfolio Specialist at Fidelity Investments, Financial Consultant at Santander Investments, Financial Services Professional at New York Life, Product Manager at Fidelity Investments, Consultant at Watson Wyatt Worldwide, and Sales Support Consultant positions at MetLife, Allmerica Financial, and Aetna Life Insurance. His career spans from 1993 to the present. Outside of his professional work, David enjoys activities such as baseball, beach outings, biking, family activities, parenthood, and skiing.