Michelle Reid is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 31 years of industry experience. Her career includes positions at Banc of America Investment Services and Quick & Reilly, alongside long-term involvement with Legacy Wealth Management since 2006. Outside of her advisory work, she serves as a vice president on the board of The Chris Thomas Memorial Fund and participates in community committees, including a planned giving committee for North Reading Union Congregational Church and a veterans events committee for the town of North Reading. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base that includes individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform, providing access to both affiliated and third-party investment strategies across discretionary and non-discretionary programs.

Michael Fulchino is a Vice President and Financial Consultant at Fidelity Investments, where he has been serving since 2014. He has built a career focused on wealth management and financial planning, working closely with clients to develop customized plans that align with their priorities. His professional experience spans over two decades in the financial services industry. Prior to his current role, Michael held several positions at Fidelity Investments, including Senior Account Executive, Income Planning Consultant, Investments Representative, and Financial Representative. His career began in banking, with roles at Fleet Bank and Bank of America as a Sales and Service Representative and Bank Teller. Michael emphasizes building genuine partnerships with clients to concentrate on their most important financial goals. No additional information regarding his education, credentials, personal interests, or community involvement was provided.

Brian Callahan is a CFP® professional with 14 years of experience in the financial services industry. He is currently with Edelman Financial Engines and has previously worked at firms including Camarda Wealth Advisory Group, Fisher Investments, and Charles Schwab. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios and offers a range of advisory programs supported by a firm Investment Committee.

James Buckley is a CFP® professional with 14 years of industry experience. He is currently with LPL Enterprise and previously worked at Northwestern Mutual and New York Life. Buckley serves as a non-profit board member for the East Boston YMCA. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors as well as institutional clients. The firm emphasizes model-driven investment implementation and offers financial planning, access to third-party asset managers, and participation in Model Wealth Portfolios.

David Shepard is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He previously worked at Royal Alliance for 12 years and Asset Strategy Advisors, LLC for 4 years. Shepard is also involved with Kendall Financial Consultants as a DBA for his LPL business and maintains a non-variable insurance activity. 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 and model portfolio programs, with investment strategies supported by both internal research and third-party subadvisors.

Joseph Surace is a financial advisor at Merrill with three years of industry experience. He holds a Series 66 designation and has worked previously at Morgan Stanley, Equitable Advisors, AXA Advisors, LLC, and Curry College. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Kyle Davidson is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2015. He has been with Fidelity Investments since 2006, progressing through roles including Financial Consultant, Investment Consultant, and several service-oriented positions. Kyle's professional experience focuses on developing personalized financial plans and identifying investment strategies to improve those plans. He emphasizes building strong client relationships through regular, ongoing communication. Outside of his professional work, Kyle's personal interests include golf, parenthood, scuba diving, skiing, soccer, and traveling.

Brian Amper is a CFP® professional with 24 years of industry experience, currently serving at Edelman Financial Engines in Burlington, MA. His prior roles include positions at Financial Engines Advisors L.L.C. and Edelman Financial Services LLC, spanning over a decade. Edelman Financial Engines offers technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm employs a committee-driven, proprietary modeling process combined with planner delivery and online tools, providing both discretionary management and non-discretionary online advice with a focus on diversified portfolios, periodic rebalancing, and long-term strategies.

Robert Gurman is a financial advisor with Mass Mutual Investors Services in Wakefield, MA, holding a Series 63 designation and 35 years of industry experience. His career includes 26 years at Metlife Securities Inc. and over a decade with Massachusetts Mutual Life Insurance Company and its subsidiaries. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using detailed client analysis and firm-approved tools to develop tailored recommendations.

Connor Bassett is a Planning Consultant at Fidelity Investments, a role he has held since 2022. He works closely with clients and their families to develop comprehensive financial plans tailored to their specific needs. Connor emphasizes active listening and collaboration to help clients pursue their financial goals based on their top priorities. He has held multiple positions at Fidelity Investments since 2020, including Financial Representative, Relationship Manager, Investment Solutions Representative, and Customer Relationship Advocate. This range of experience within the company has contributed to his understanding of various aspects of financial planning and client relationship management. Outside of his professional work, Connor engages in activities such as family events, fitness, football, social gatherings with friends, golf, and traveling.

Molly McKenna is a Planning Consultant at Fidelity Investments. She has progressed through various roles within the company, including Workplace Planning Consultant I, II, and III between 2023 and 2024. Molly focuses on collaborating with individuals, families, and business owners to develop financial plans tailored to their evolving goals and circumstances. Her approach emphasizes creating and maintaining strategies aimed at providing clients with confidence and peace of mind regarding both their short- and long-term financial objectives. Outside of her professional responsibilities, Molly has interests in fitness, hiking, parenthood, Pilates, scuba diving, and traveling.

Reed Thompson is a CFP® and ChFC® affiliated with Raymond James Financial, with 31 years of industry experience. He previously worked at Commonwealth Financial Network for 12 years before joining Raymond James Financial Services Advisors, Inc. in 2026. Thompson also serves as president of Touchpoint Financial, a support company, and manages annuities through Touchpoint Financial as a licensed agent. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base that includes individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using risk profiling and modeling tools, and supports municipal and public finance work through a municipal advisor affiliation, along with specialized retirement plan advisory programs.

Katie Soule is a Wealth Management Advisor at Merrill Lynch Wealth Management. She began her career in financial services in 2002 and joined Merrill in 2015. Prior to becoming a financial advisor, Katie served as a Certified Public Accountant in several major accounting firms and corporations. This background provides her with insight into the key decision points that clients encounter in their personal and professional finances. She focuses on areas such as retirement planning, family wealth management, legacy planning, and investment strategy, working closely with clients and their other professional advisors to develop tailored, tax-efficient strategies. Katie does not provide tax, accounting, or legal advice in her role at Merrill. Katie earned a Bachelor of Science degree in Accounting from the University of Delaware and an MBA from the University of Southern Maine. She holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), and Certified Private Wealth Advisor (CPWA). She is active in her profession and community, serving on the board of the Massachusetts Society of CPA's.

Louis Santos is a financial advisor at Merrill with 7 years of industry experience. He holds a Series 66 designation and has been with Merrill since 2014. 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. The firm offers model-based and discretionary strategies developed by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Nathalie Kallab Racimo is a financial advisor at MML Investors Services, LLC, a subsidiary of MassMutual, with one year of industry experience. She holds the Series 66 designation and has previous work experience with Tessi Consulting and Hult International Business School. Outside of her advisory role, she provides pet care services, including dog sitting. MML Investors Services, LLC serves individuals, business owners, trusts, estates, charitable organizations, and employers by offering financial planning, asset management, and educational seminars. The firm uses firm-approved software and collaborative annual plans to analyze client goals, recommending investment strategies without direct investment discretion.

Bridget Grella is a financial advisor with LPL Financial in Andover, MA, holding Series 63 and Series 65 credentials and 21 years of industry experience. She has been with LPL Financial since 2004 and also operates Grella Financial Services, which she founded in 2003. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions through a broad range of advisory and brokerage services. The firm offers various financial planning and investment management solutions utilizing both proprietary and third-party strategies.

Jesse Sherwood is a financial advisor with LPL Enterprise in Wakefield, MA, holding Series 63, 65, and 66 licenses and bringing 31 years of industry experience. He has worked at Prudential Insurance Company of America since 2004 and was previously with Pruco Securities, LLC. since 2004. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, with an emphasis on access to third-party asset managers and financial planning services.

Isaac Kot is a financial advisor with LPL Financial in Lynnfield, MA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked with Avantax Advisory Services and Avantax Investment Services and has maintained a CPA designation throughout his career. Outside of his advisory roles, he is involved in a non-investment business, Jim's Quick Stop, operating under SI, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services through a large network of investment adviser representatives and offers diversified investment solutions including model portfolios, third-party management, and institutional platforms.

John Oberlander is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 15 years of industry experience. He has worked at Cetera and its affiliated entities since 2019 and previously held roles at Foresters Financial Services from 2016 to 2019. Cetera Investment Advisers LLC is a large, SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with diverse portfolio management options, including discretionary and non-discretionary strategies, and manages over $256 billion in assets.

Robert Daniel is a financial advisor at Fidelity with 28 years of industry experience. He holds the Series 63 and Series 66 designations. His career includes over two decades at Fidelity Investments Institutional Services Company and roles at Enterprise Bank and Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, oversight controls, and advisory roles to registered investment companies.