Joseph Carpenter is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 32 years of industry experience. His prior roles include positions at Avantax Advisory Services, Avantax Insurance Agency, and the Center for Strategy Research. Outside of his advisory work, he serves as president of a nonprofit board, the ISDA Fraternal Lodge 214. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with access to various portfolio management options and third-party managers, supporting both discretionary and non-discretionary account structures.

David Foad is a financial advisor with LPL Enterprise who holds Series 65 and Series 66 licenses and has 23 years of industry experience. His career history includes roles at Prudential Insurance Company of America, Pruco Securities LLC, First Horizon Advisors, and several other firms. He is also involved in non-variable insurance activities in connection with Prudential. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm employs a model-driven investment approach and offers financial planning, third-party asset manager access, and insurance product sales through affiliated entities.

Eric Breemen is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career in 1995 and has developed a focus on corporate executive services, executive compensation, family wealth management strategies, liquidity management, managing new wealth, and retirement income. Eric works closely with clients to simplify, organize, and plan their financial lives, serving as a trusted resource for making informed financial decisions. His professional background includes extensive experience in crafting financial strategies tailored to clients' situations and aspirations. Eric's approach involves collaborating with clients' CPAs and attorneys to deliver customized investment and retirement planning, cash flow planning, tax minimization, and estate planning strategies. He is recognized for employing tools such as 10b5-1 trading plans to assist corporate executives with concentrated stock positions and providing pre-IPO planning for entrepreneurs. Eric holds the Chartered Retirement Planning Counselor (CRPC) designation and the Personal Investment Advisor (PIA) designation. He earned a Bachelor of Science degree in Business Administration and Economics from Saint Michael's College. Eric resides in Marlborough with his wife and two children and has personal interests that include adventure sports, boating, golfing, and skiing.

Philip Kersting is a financial advisor at Ameriprise with six years of industry experience. He holds the Series 66 designation and has worked at Ameriprise Financial Services LLC since 2022. His prior experience includes roles at Bruderman Asset Management and Bruderman Brothers, among other firms. Outside of financial advising, he is involved in independent insurance brokering, specializing in fixed annuities. Ameriprise offers retirement-income planning services targeted at individuals with substantial investable assets, providing detailed recommendation reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research-driven modeling and algorithmic tools with personalized advisor collaboration to support clients approaching or in retirement.

William Ferriel is a financial advisor with UBS Financial Services in Naples, FL, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with UBS since 2007. He is involved with a private family foundation focused on philanthropy. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides access to proprietary research and affiliated banking solutions.

Denise Gugliotta is a financial advisor at Merrill with 12 years of industry experience. She holds a Series 66 designation and has worked at both Bank of America and Merrill since 2015. Outside of her advisory role, she participates as a player in the Women's Professional Billiards Association, competing in local and national tournaments. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

John Barnes is a Vice President and Financial Consultant at Fidelity Investments. He has held various roles at Fidelity since 2015, progressing from Client Management Representative to his current position. Prior to joining Fidelity, John worked at Goldman Sachs & Co. from 2003 to 2012 in roles including Analyst and Associate. He also served as Vice President, Branch Manager, and Commercial Loan Officer at Barnes Banking Co. from 2005 to 2010. John is a Certified Financial Planner™ with over 20 years of experience in finance. His expertise includes crafting personalized investment strategies aimed at supporting clients' retirement living and optimizing wealth for long-term security and prosperity. He holds insurance licenses in Arkansas and California. Outside of his professional work, John enjoys baseball, golf, skiing, softball, and tennis.

Mervat Hassan is a financial advisor with Stifel, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. She previously worked at UBS Financial Services for 10 years before joining Stifel in 2020. Outside of finance, she operates a design and decor company, Mervat Sabry Hassan Decor & Interior Design. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Maura Laudone is a financial advisor with Mass Mutual Investors Services in Bonita Springs, FL, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. Her prior roles include positions at MetLife Securities Inc. and MassMutual Life Insurance Co. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals—including high-net-worth clients—as well as business owners, trusts, estates, charitable organizations, and employers, offering financial planning, asset management, and educational seminars.

Travis Kraker is a financial advisor with Ameriprise, holding Series 63 and Series 66 credentials and bringing 22 years of industry experience. He previously worked at U.S. Bancorp Investments, Inc. for 11 years before joining Ameriprise Financial Advisors Inc. and later Ameriprise. Outside of his advisory role, he is a co-owner of Freppert Outdoor Solutions, a landscaping business. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to produce tailored recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Charles Sleezer is a financial advisor with Wells Fargo Advisors in Naperville, IL, holding Series 63 and Series 66 credentials and having 28 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his advisory role, Sleezer is involved in managing a practice-related business and holds powers of attorney for family members. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and integrates advisory offerings with other financial products and referral channels.

Shannon Holland is a CFP® professional with 23 years of industry experience, currently affiliated with Raymond James & Associates. She has worked at Raymond James & Associates since 2013 and has also been involved with Collier County Public Schools since 2017. Raymond James & Associates is a large firm serving a diverse client base, including individuals, institutions, and municipal entities. The firm offers financial planning and advisory services with a range of portfolio management styles and emphasizes non-discretionary planning and consulting relationships.

Wilfred Brockman Jr. is a CFP® professional with 34 years of industry experience, currently serving at Cambridge Investment Research Advisors since 2010. His prior experience includes roles at B. Riley Wealth Management, RBC Capital Markets, and Ferris, Baker Watts, LLC. Outside of advisory work, he is an independent insurance agent and owns BrockmanWealth and Capital LLC. Cambridge Investment Research Advisors serves a diverse client base, including individuals and institutional clients such as pension and charitable organizations. The firm offers financial planning, investment management, retirement-plan advisory, and wrap-fee programs, operating through thousands of financial professionals and managing a multi-billion dollar asset base.

Alexander Getsinger is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2015. He has been with Fidelity Investments since 2008, initially serving as a Financial Consultant before his current role. Prior to joining Fidelity, Alexander worked as a Financial Advisor at Morgan Stanley from 2004 to 2008. With over 20 years of investment experience, Alexander applies his expertise to assist clients in optimizing their relationships with Fidelity. His professional background spans multiple roles in financial consulting and advising, demonstrating a sustained focus on investment strategies and client service. No additional information regarding Alexander's education, credentials, personal interests, or community involvement has been provided.

Sandeep Hamilton is the Vice President and Branch Leader at Fidelity Investments, a role he has held since 2022. In this position, he leads and coaches Wealth Management Financial Professionals who assist clients in planning their financial goals. Prior to his current role, Hamilton served as Vice President and Market Leader at Merrill Lynch from 2016 to 2022. His experience also includes positions as Regional Sales Director at Capital One Investing from 2013 to 2016 and Senior Vice President, District Investment Sales Leader at Key Investment Services from 2012 to 2013. Throughout his career, Hamilton has gained extensive experience in financial services, leadership, and wealth management. Outside of his professional responsibilities, he enjoys camping, family activities, hiking, outdoor adventures, and traveling.

Scott Sarnoff is a financial advisor with Ameriprise in Naples, FL, holding a Series 63 designation and 28 years of industry experience. He has worked at Ameriprise and its affiliate since 1997. Outside of his advisory role, Sarnoff serves as president on a nonprofit board in Bradenton, FL. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides retirement planning advice focused on dependable income and tax-aware withdrawal strategies.

Jennifer Waller is a financial advisor at Merrill with 14 years of industry experience. She holds Series 63 and Series 66 credentials and previously worked for UBS Financial Services Inc. from 2012 to 2020 before joining Merrill in 2020. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

William Rust is a financial advisor with Morgan Stanley in Naples, FL, holding the CFP® designation along with Series 66 and Series 63 licenses. He has 10 years of industry experience, having worked at firms including Strategic Financial Services, Pioneer Investment Management USA Inc., and Edward Jones prior to joining Morgan Stanley. Morgan Stanley Wealth Management provides a range of advisory programs for individual and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services broadly across retail and institutional markets.

Ethan Stern is a financial advisor at LPL Financial with eight years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank and Morgan Stanley Wealth Management prior to joining LPL. Ethan participates as a study participant providing feedback through user interviews. 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 advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology tools and a broad non-advisory financial services network.

Andrew Winnick is a financial advisor at Morgan Stanley in Naples, FL, holding Series 66 and Series 63 licenses with six years of industry experience. His prior roles include positions at J.P. Morgan Securities LLC and JPMorgan Chase Bank N.A. before joining Morgan Stanley in 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a broad range of advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and modeling techniques.