Michael Lucier is the Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2016. He has been with Fidelity Investments since 2005, serving in various capacities including Financial Consultant, Investment Representative, Client Service Specialist, and Retirement Investment Specialist. Prior to joining Fidelity, Michael was a Brokerage Assistant at Legg Mason Wood Walker, Inc. from 2003 to 2005. With over 20 years of experience in wealth management, Michael and his team focus on collaborating with families to develop financial strategies that promote stability, growth, and peace of mind. His professional journey has equipped him with expertise in financial consulting and retirement investment planning. Michael holds a California Insurance License. Outside of his professional life, he enjoys activities such as going to the beach, cooking and baking, exploring food, gardening, playing golf, and spending time with his pets.

Lawrence Eppolito is a CFP® professional with 42 years of experience, currently affiliated with Raymond James Financial Services Advisors, Inc. since 2017. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors. He is also the president and majority owner of Eppolito, Carbone & Co., a non-investment-related support company. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, corporate, institutional, and nonprofit clients. The firm offers non-discretionary planning tailored to client goals and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Timothy Johnson is a financial advisor at Stifel with 46 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2009 and holds Series 63 and Series 65 designations. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, providing brokerage and advisory services along with fee-based financial planning. The firm’s investment approach utilizes proprietary methodologies from its Investment Strategy Group to offer asset allocation and planning analyses intended to inform client decisions.

Timothy Garrity is a financial advisor with Morgan Stanley in Hyannis, MA, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm employs a structured planning process supported by proprietary tools and manages approximately $2.74 trillion in client assets.

Angelos Constantine is a financial advisor at Merrill with eight years of industry experience. He holds the Series 63 and Series 66 licenses and has worked at Bank of America and Santander Securities. 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 to individuals, high-net-worth clients, and institutional investors.

William Todd is a financial advisor with UBS Financial Services in Brewster, MA, holding a Series 63 designation and 47 years of industry experience. He has been with UBS since 1986, totaling 40 years at the firm. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Colin Hokanson is a financial advisor at Morgan Stanley in Hyannis, MA, holding a Series 66 designation with one year of industry experience. His prior work includes roles at Nasuni, Parse.ly - Automattic, Datadog, Oracle Netsuite, and the University of Colorado Boulder. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by advanced tools and investment research.

Alan Melanson is a CFP® with 27 years of industry experience, currently serving as a financial advisor at OSAIC since 2024. He previously worked at American Portfolios Financial Services, Inc. for eight years and has been involved with American United Life since 2014. In addition to his advisory role, Melanson operates Cape Cod Wealth Strategies, a business focused on insurance sales. OSAIC serves a wide range of clients, including individual investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services through a large network of financial advisors and multiple platforms. The firm employs a variety of asset-allocation tools and third-party arrangements to construct diversified portfolios and supports both discretionary and non-discretionary account management.

Matthew Klett is a financial advisor with LPL Enterprise and holds the Series 66 designation. He has one year of industry experience, including prior roles at Cape Cod Financial Services and Tugboats. Outside of finance, he has worked in the restaurant industry and at the University of Massachusetts Dartmouth. LPL Enterprise, LLC offers investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, and corporate and charitable entities through its network of investment adviser representatives. The firm employs a model-driven investment approach and provides access to third-party asset managers, financial planning, and various affiliated services including trust custody and insurance products.

Michelle Metell is a financial advisor at Morgan Stanley with 26 years of industry experience. She has held her current role at Morgan Stanley Smith Barney LLC since 2009. She holds the Series 63 designation and is based in Hyannis, MA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs for individuals and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets.

Kerry Overton is a financial advisor at Ameriprise with 23 years of industry experience. He has been with Ameriprise and its affiliated entities since 2002 and holds a Series 66 designation. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, written recommendations, supported by a centralized consulting team and an automated recommendation system overseen by a Retirement Income Oversight Committee.

Ryan Mcmullen is a financial advisor with Morgan Stanley, holding a Series 66 designation and 15 years of industry experience. He has been with Morgan Stanley Smith Barney since 2012 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by advanced modeling tools.

Guido Di Pietro III is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and eight years of industry experience. His prior work includes roles at Citizens Securities Inc, The Prudential Insurance Company of America, and Edward Jones. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with various program options and custodial arrangements.

Justin Embree is a financial advisor with Ameriprise in West Yarmouth, MA, holding Series 63 and Series 66 licenses and four years of industry experience. His prior work includes roles at Mass Mutual Investors Services, Mass Mutual Life Insurance Company, American Income Life, and State Street Bank. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement who meet certain asset thresholds. The firm combines algorithmic modeling and personalized recommendations to provide tax-efficient withdrawal strategies and income planning, primarily for clients with Ameriprise-managed accounts.

Bob Abbott is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2022. In this role, he works closely with clients and his team to develop tailored strategies aimed at supporting clients through their retirement. He has extensive experience in the financial services industry, having worked as a Financial Representative at Fidelity Investments from 1993 to 2013, then at TIAA from 2015 to 2018, and Highland Financial Group from 2018 to 2022. Bob emphasizes building a deep understanding of clients' goals and motivations to create long-term financial plans. Specific information regarding his education, credentials, personal interests, or community involvement has not been provided.

Ana Giordano is a financial advisor at Morgan Stanley in Hyannis, MA, holding a Series 66 designation with three years of industry experience. Her prior work includes roles at Merrill and several years with Blade Tech Systems and Zipcar. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, utilizing structured financial planning tools and firm-supported investment models. The firm manages approximately $2.74 trillion in client assets and offers customized planning through its Financial Advisors and Estate Planning Strategies Group.

Kevin Hawkinson is a financial advisor at RBC Capital Markets with 38 years of industry experience. He previously worked at Oppenheimer & Co. Inc for 14 years before joining RBC Capital Markets in 2024. Outside of his advisory role, he serves as treasurer for the Brewster Park Club, a neighborhood association in Brewster, MA. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs with customizable investment strategies implemented through a combination of in-house and third-party managers.

James Morris is a financial advisor with Morgan Stanley in Hyannis, MA, holding Series 63 and Series 65 designations and bringing 19 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2017. Outside of his advisory role, he serves as club secretary and a board member of The Function Grounds at West Barnstable Deer Club, a social club. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using firm-approved tools and offers a broad range of retail and institutional investment solutions.

Calan Philbrook is a Series 66-licensed financial advisor with Edward Jones, where he has worked since 2009, accumulating 16 years of industry experience. In addition to his advisory role, he contributes as an engineer at Javawood, a composites manufacturing startup, focusing on product design and development without currently taking income from the business. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions through a nationwide network of advisors and branches.

Robert Sullivan is a financial advisor with Stifel, holding a Series 63 designation and bringing 41 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory work, he is the owner of Four Owls, LLC, a rental property business. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.