Lee Schmertzler is a financial advisor with Cambridge Investment Research Advisors, Inc. He holds Series 63 and Series 65 credentials and has 26 years of industry experience. Prior to joining Cambridge in 2022, he worked at Pinnacle Pension Consultants LLC and M Holdings Securities, Inc. in roles spanning retirement plan consulting and securities. Schmertzler is also an independent insurance agent representing various insurance companies. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports discretionary and non-discretionary management through multiple platforms and proprietary model strategies under the Founders Gate Capital brand.

Howard Goldstein is a financial advisor with Cetera, holding Series 63 and Series 65 designations and 27 years of industry experience. He has worked at Cetera since 1999 and has prior experience in accounting, including ownership of an accounting office in Framingham, MA. His background also includes roles at the U.S. Department of Defense and various accounting firms. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers portfolio management, financial planning, and access to multiple investment program platforms, supporting a multi-manager approach with over $256 billion in assets under management.

Phillip Wong is a financial advisor with OSAIC, holding Series 63 and Series 66 credentials and 31 years of industry experience. He has been with OSAIC since 2013. Outside of his advisory role, he owns Boston Wealth Management, an LLC that provides life, disability, long-term care, annuity, and property/casualty insurance to clients. OSAIC Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, charities, and corporate clients. The firm offers a variety of brokerage and advisory services with an investment approach that emphasizes model-based asset allocation, portfolio optimization, and a broad selection of discretionary and third-party managed strategies.

Todd Micklovich is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2019. He has been with Fidelity Investments since 2015, serving initially as a Financial Consultant before his current role. Prior to Fidelity, Todd worked at Cantella & Co., Inc. from 2005 to 2015, advancing from Registered Representative to Registered Principal. With over 20 years of experience in financial consulting, Todd focuses on helping clients manage their financial resources to create purposeful and fulfilling lives. His career reflects extensive experience in financial advising and consulting. Outside of his professional work, Todd engages in activities such as family activities, social events with friends, golf, parenthood, soccer, and traveling.

Kimberly Peterson is a Planning Consultant at Fidelity Investments, a role she has held since 2023. She has been with Fidelity Investments since 2022, initially serving as a Financial Representative before advancing to her current position. Prior to joining Fidelity, Kimberly worked as a Financial Advisor trainee at First Command from 2021 to 2022. Throughout her career, Kimberly has emphasized building lasting relationships with clients, focusing on understanding their unique goals to develop customized financial plans and personalized portfolios. Her professional experience spans financial advising and planning consultancy within the investment sector. Outside of her professional work, Kimberly's personal interests include beach activities, parenthood, skiing, and tennis.

Kate Tanguay is Vice President and Executive Services Regional Leader at Fidelity Investments. In this role, she leads a team of Benefits & Planning Consultants and Executive Planning Consultants, focusing on aligning clients' financial goals with personalized benefits strategies. She aims to empower her team and clients through strategic insight, collaborative leadership, and a commitment to financial well-being. Kate has extensive experience at Fidelity Investments, having served in multiple leadership positions including Regional Director of Executive Services since 2023, Team Leader in Stock Plan Services (2021-2023), and Team Leader roles in Workplace Planning & Advice, Client Services, and Fixed Income disciplines spanning from 2013 to 2021. Earlier in her career, she was a Financial Advisor with Edward Jones from 2009 to 2012. Outside of her professional responsibilities, Kate enjoys family activities, fitness, social events with friends, gardening, running, and traveling.

Eric Howland is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 13 years of industry experience. His prior experience includes roles at Sampson West & Associates Inc., Elizabeth Sampson, Richard West, and Waddell & Reed, Inc. He is also a commissioned notary in the state of California. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and investment management solutions through a large network of advisors utilizing both proprietary and third-party strategies.

Kashif Ahmed is a financial advisor with LPL Financial in Bedford, MA, holding the CFP® designation and Series 63 and 65 licenses. He has 22 years of industry experience and has been with LPL Financial since 2011. In addition to his advisory role, he teaches graduate courses in finance and investments at Suffolk University and serves as an adjunct professor at Bentley University. 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 solutions including financial planning, third-party asset management, and institutional platforms, supported by extensive technology tools and a large network of over 22,800 advisors.

Christopher Fisher is a financial advisor with Cetera Wealth Services, LLC, holding Series 65 and Series 66 credentials and 25 years of industry experience. He previously worked with Avantax Insurance Agency, LLC, and Avantax Advisory Services. Outside of advising, he owns Hallmark Financial, Inc., which provides accounting and tax services, and serves on the board of Merrimac Heights Academy, a nonprofit educational institution focusing on experiential and project-based learning. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager investment platform with a range of discretionary and non-discretionary services, supported by more than 10,000 advisors and over $256 billion in assets under management.

Randy Frederick is a Series 66 licensed financial advisor with LPL Financial, bringing five years of industry experience. Prior to joining LPL Financial in 2024, he worked at Edward Jones from 2021 to 2024. He is also associated with Hanscom Federal Credit Union during the same period. 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 financial planning and investment management services, combining a large network of advisors with diverse investment strategies and technological tools.

Bruce Rogovin is a financial advisor with Wells Fargo Clearing in Waltham, MA. He holds the CFP® designation along with Series 63 and Series 65 licenses, and has 42 years of industry experience. Rogovin has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Gary Dennis is a financial advisor at Mass Mutual Investors Services with 15 years of industry experience. He holds the Series 63 designation and has been with MML Investors Services and Mass Mutual Life Insurance Company since 2015. Outside of his advisory role, he is the owner of Tower Hill Financial, Inc., an LLC established for pass-through compensation. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm provides collaborative, annual financial planning engagements using firm-approved tools, and offers additional programs including wrap accounts, money-manager services, and educational seminars.

Douglas Gower is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 designations and bringing 16 years of industry experience. His prior experience includes roles at John Hancock and Mutual of Omaha. He serves as treasurer for the Wayland PTO, a local scholastic organization. Cambridge Investment Research Advisors serves a diverse client base of individuals and institutions, including pension and charitable organizations. The firm offers financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of professionals and multiple platform options.

Michael Tartarini is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. His career includes roles at Raymond James Financial Services, Legacy Financial Advisors, and SAGEPOINT FINANCIAL. He is based in Acton, MA. 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 advisory and brokerage services, including financial planning, model portfolios, and third-party asset management, supported by a large network of advisors and a broad platform of financial and operational resources.

Patrick Doran is a financial advisor at Fisher Investments with 17 years of industry experience. He holds a Series 66 designation and previously worked at Columbia Management Investment Distributors and various John Hancock entities. Fisher Investments serves a global client base including institutional investors and high-net-worth individuals, providing discretionary portfolio management across equities, fixed income, and blended mandates. The firm uses a centralized investment process combining quantitative and qualitative research and implements tax-aware and risk management strategies.

Mariya Dimitrova is a financial advisor with Edward Jones in Chelmsford, MA, holding a Series 66 designation and three years of industry experience. She previously worked at Fidelity Investments for six years before joining Edward Jones. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large nationwide network of advisors and branch offices.

Joseph Chingas is a Vice President and Financial Consultant at Fidelity Investments. In his current role, he partners with clients and their families to develop and refine comprehensive financial plans aimed at helping them progress toward their financial goals and achieve peace of mind. Joseph has been with Fidelity Investments since 2013, serving in various capacities including Financial Service Representative, Investment Solutions Representative, Retirement Solutions Representative, Investment Consultant, and Financial Consultant before his current position. His professional experience encompasses a broad range of financial services and investment consulting responsibilities. Outside of his professional work, Joseph has personal interests in fitness, golf, hiking, music, parenthood, and reading.

Peter Karle is a financial advisor with Morgan Stanley in Concord, MA, holding a Series 63 designation and bringing 24 years of industry experience. He has been with Morgan Stanley since 2020, following a 19-year tenure at Fidelity Brokerage Services LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm provides tailored financial planning using structured discovery conversations and firm-approved tools, with a focus on advisory services rather than individual security recommendations.

Christopher Maniscalco is a Series 66-licensed financial advisor with one year of industry experience. He is currently with Cambridge Investment Research Advisors, having previously worked at LPL Enterprise and in various other roles including courier services and automotive sales. Outside of advising, he is engaged in rideshare and delivery services through companies such as Instacart, Uber, and Spark. Cambridge Investment Research Advisors, Inc. serves a wide range of individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services. The firm manages a multi-billion dollar asset base and provides access to proprietary model strategies and multiple investment platforms.

Jared Fong is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Columbia Management Investment Distributors, Inc., Litmus, and SnapApp. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.