Gerard Nizich is a CFP® professional with 38 years of industry experience, currently serving as a financial advisor at LPL Financial since 2021. He previously worked for American Portfolios Financial Services, Inc. for eight years. In addition to his advisory role, he is involved in a national insurance brokerage focusing on non-variable insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves 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, and access to third-party asset management platforms.

Kevin Williams is a financial advisor with RBC Capital Markets, holding Series 63 and Series 66 designations and bringing 39 years of industry experience. He has worked at City National Bank since 2019 and has been with RBC Capital Markets Corporation since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves a broad client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple wrap fee advisory programs with customizable portfolio management and financial planning services, utilizing both in-house and third-party investment managers.

Irial O Neill is a financial advisor at Merrill with eight years of industry experience. He holds the Series 66 designation and has been affiliated with Bank of America and Merrill since 2007. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kristen Heller is a Series 66-licensed financial advisor with six years of industry experience, currently associated with Cambridge Investment Research Advisors. Her work history includes roles at Mass Mutual Investors Services and Baystate Financial. She is also active as an independent insurance agent and is involved with the Libre Advisor Network, which provides education and resources to advisors. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension funds, and charitable organizations by offering financial planning, investment management, and retirement-plan advisory services. The firm operates through thousands of financial professionals and manages a multi-billion dollar asset base across multiple platforms.

Benjamin Chwalek is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His prior roles include positions at Tour the Hill Boulder, Aircare Marketing, and CB Equities, as well as academic experience at the University of Colorado. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs, supporting both discretionary and non-discretionary advisory mandates.

Timothy Burgess is a financial advisor with Ameriprise, holding Series 63 and Series 65 credentials and 21 years of industry experience. He has been with Ameriprise and its affiliate since 2004. Outside of his advisory work, he owns a single-family real estate property in Little Compton, Rhode Island. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing detailed written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and automated processes overseen by a specialized team to deliver tailored retirement income advice.

Matthew O'Connell is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in creating customized, goal-based wealth management plans for individuals, families, and small businesses. His approach focuses on understanding each client's unique priorities through one-on-one conversations to build tailored financial strategies. Since 2014, Matthew has developed expertise in areas such as tax minimization, executive compensation, legacy planning, and retirement income. He leverages Merrill Lynch research to construct portfolios aimed at preserving and growing client wealth through varying market conditions, with attention to low costs and risk-managed returns. Matthew holds a bachelor's degree in finance from Bentley University. He maintains various professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Residing in Marshfield, Massachusetts, he enjoys spending time with his family and partaking in activities such as boating, golfing, skiing, and ice hockey.

Surya Sapra is a financial advisor at Ameriprise with 22 years of industry experience. He holds the Series 63 and Series 66 designations and has prior experience at Santander Securities and Santander Bank. Sapra is a co-owner of a non-investment real estate entity outside of his advisory work. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning that combines proprietary research and third-party data to provide clients with tailored written recommendation reports and ongoing advice.

Shawn Limerick is a CFP® professional with 33 years of industry experience, currently affiliated with LPL Financial. He has worked at Linsco/Private Ledger Corp. since 2004. In addition to his advisory role, he is an independent insurance agent specializing in fixed annuities, long-term care, disability, group and individual health, and fixed life insurance. 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.

Steven Lavergne is a financial advisor at Ameriprise with 17 years of industry experience. He holds Series 63, Series 65, and Series 66 designations. Prior to joining Ameriprise in 2020, he worked at Cuna Brokerage Services, Inc. and Cuna Mutual Group from 2013 to 2020. He serves on the board of directors for the Steere Farm Estates homeowners association. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning focused on dependable income sources and tax-aware withdrawal strategies.

Naromie Saint Clair is a Financial Advisor at Merrill Lynch Wealth Management, dedicated to connecting clients with tailored financial plans that align with their unique ambitions. She specializes in assisting individuals, families, and business owners in pursuing financial goals through personalized planning and strategic approaches. With a focus on building lasting relationships based on trust, integrity, and clear communication, Naromie brings strong leadership, strategic problem-solving, and decision-making skills to her role. She is adept at managing multiple priorities in fast-paced environments and is committed to delivering exceptional service and meaningful solutions. Naromie holds a Bachelor's Degree from Nova Southeastern University and is designated as a Personal Investment Advisor (PIA). She is proficient in both English and French.

Jack Hall is a financial advisor at Edward Jones in Quincy, MA, holding a Series 66 designation with five years of industry experience. Prior to joining Edward Jones in 2026, he worked at Eaton Vance/Morgan Stanley from 2021 to 2026. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of discretionary and non-discretionary investment strategies, access to separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard with a nationwide network of financial advisors and branch offices.

Kerri Murray is a financial advisor with Fidelity who holds Series 63 and Series 65 designations and has 24 years of industry experience. She has been with Fidelity intermittently since 1999 and is currently based in Lincoln, Rhode Island. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm uses a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage investments across mutual funds, ETFs, and ETPs.

William Thomas is a financial advisor with LPL Financial in Westwood, MA, holding the CFP® and Series 66 designations and bringing 15 years of industry experience. He previously worked at Bay Financial Advisors, Inc. for six years and has been with LPL Financial since 2008. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice provided by a large network of investment adviser representatives using a range of discretionary and non-discretionary strategies.

Connor Elliott is a Planning Consultant at Fidelity Investments. He works closely with clients to develop customized financial plans by carefully listening to their wants and needs. He has held multiple roles at Fidelity Investments, including Relationship Manager, Financial Representative, and Financial Services Representative, gaining experience in various aspects of financial services from 2023 to the present. Outside of his professional role, Connor has personal interests in beach activities, football, and gardening.

Zachary Mc Bride is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. His prior work includes roles at Bank of America, Leonardo Electronics, and various other companies in different sectors. 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, pension plans, corporations, and charitable organizations.

David Capelle is a Wealth Management Advisor with Merrill Lynch Wealth Management. He leads a goals-based wealth management practice that focuses on delivering highly personalized financial strategies. David works closely with clients to understand their financial priorities, concerns, and long-term objectives, enabling him to design strategies aligned with both current needs and future goals. His clients often include business owners, entrepreneurs, and senior executives seeking coordinated and sophisticated wealth management solutions. David has spent his entire career in the financial services industry, joining Merrill Lynch Wealth Management in 2011. He brings more than 27 years of consulting experience with private individuals, business owners, corporate retirement plans, and nonprofit organizations. He holds a Bachelor of Arts degree in Economics and Political Science from the University of Rhode Island and has earned the CERTIFIED FINANCIAL PLANNER® (CFP®) and Certified Investment Management Analyst® (CIMA®) designations. Born and raised on the South Shore, David resides in Scituate, Massachusetts with his wife Beth and their four children. He remains actively involved in his community, holding leadership roles such as Trustee for South Shore Hospital and has volunteered as a youth hockey and baseball coach. Outside of work, David enjoys boating, fishing, skiing, golfing, and spending time with his family.

Andrew Eaves is a financial advisor with Ameriprise in Chatham, MA, holding a Series 63 designation and 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis, delivering coordinated advice through a centralized consulting team alongside financial advisors.

Jean Germain is a financial advisor at Cetera with 17 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Cetera and its affiliated entities since 2025. Prior to that, he spent 16 years with Avantax Investment Services and seven years with Avantax Insurance Agency. Outside of his advisory work, Germain is the owner and sole proprietor of City Globe Real Estate & Tax Services, where he provides tax preparation services and acts as a real estate broker. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers various portfolio management and financial planning services, operating a multi-manager platform with model portfolios, third-party managers, and bespoke strategies across multiple program structures and custodial relationships.

Emily Claire is a financial advisor with LPL Financial, holding a Series 66 designation and 11 years of industry experience. She previously worked at Edward Jones for 10 years before joining LPL Financial in 2025. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and institutions with a variety of investment strategies and platforms.