Austin Porchelli is a financial advisor with Foundations Investment Advisors LLC in Worcester, MA, holding Series 63 and Series 65 credentials and six years of industry experience. He has held roles at D&P Advisors and MassMutual, among others, and operates a side business as an insurance and annuity producer with Help to Retire. Foundations Investment Advisors serves a broad client base including individuals, high-net-worth clients, retirement plans, and registered investment companies, offering financial planning and portfolio management through a large network of affiliated offices. The firm utilizes a combination of fundamental, technical, and cyclical analysis and employs model portfolios with an asymmetric rebalancing strategy.

Michael Machnowski is a CFP® and Series 66-licensed advisor at Moneta Group Investment Advisors, LLC with 26 years of industry experience. He has worked at Moneta since 2021, and his prior experience includes roles at The Berry Group, LLC and Wells Fargo Clearing. Machnowski serves as Treasurer and trustee on the Board of Tower Hill Botanic Garden, where he chairs the finance and investment committee. Moneta Group Investment Advisors serves high-net-worth individuals, families, family offices, and institutional clients with portfolio management, financial planning, and family office services. The firm employs a partner-led team structure and an open-architecture investment process, offering specialized services alongside institutional and enterprise-scale solutions.

Nathan Goddard is a financial advisor with Bankers Life Advisory Services, Inc. He holds a Series 66 designation and has four years of industry experience. Prior to joining Bankers Life Advisory Services, he was involved with Goddard Consulting LLC for eight years and worked briefly at Friske's Farm Market. Outside of his advisory role, he is also a 1099 insurance agent for Bankers Life and Casualty and manages operations for a property management LLC. Bankers Life Advisory Services, Inc. provides discretionary portfolio management and investment consulting primarily to mass-affluent and high-net-worth individuals. The firm emphasizes customized asset allocation, tax efficiency, and a combination of fundamental, technical, and cyclical analysis in its investment approach.

Robert Thompson is a financial advisor with Integrated Wealth Concepts LLC and holds six years of industry experience. He has previously worked at The Patriot Financial Group and Fletcher Tilton PC. In addition to his advisory role, he is a manager and employee at Bisceglia, Steiman & Fudeman, a full-service accounting firm. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent financial advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services, employing a primarily long-term investment approach with customized portfolios and a range of internally managed and third-party strategies.

Brett Kubiak is a financial advisor at Capital Analysts with four years of industry experience and a Series 66 designation. Prior to joining Capital Analysts and Lincoln Investment in 2023, he worked at Cambridge Investment Research and Cetera Advisor Networks. In addition to his advisory role, Kubiak has served with the Worcester Police Department since 2016. Capital Analysts serves a diverse client base including individual and high-net-worth investors, trusts, foundations, businesses, and charitable organizations. The firm offers portfolio management, custom and model portfolios, third-party manager access, and retirement-plan advice through a network of independent advisors and its in-house investment management team.

Frederick Brose is a financial advisor with OSAIC Institutions, INC., holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His prior work includes positions at Infinex Investments, Fidelity Bank, LPL Financial, IFMG Securities, and Quick & Reilly. Outside of his advisory role, he is actively involved in nonprofit organizations, serving as chair of the investment committees for All Saints Church in Worcester, the Icon Museum & Study Center, and Music Worcester, and he is president and treasurer of a family charitable foundation. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments and lending solutions, operating under a hybrid adviser/broker-dealer structure.

Thomas Brennan is a financial advisor with Commonwealth Financial Network in Auburn, MA. He holds Series 63 and Series 65 licenses and has three years of industry experience, including prior roles at J.P. Morgan Securities and JPMorgan Chase Bank. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and support services, including discretionary model portfolios and personalized investment solutions, while enabling affiliated advisors to operate under their own brands.

Lu Ellen Guenther Smith is a financial advisor with Commonwealth Financial Network in Sturbridge, MA. She holds the ChFC® designation and Series 63 and 66 licenses, with 36 years of industry experience, including over three decades at Commonwealth. Commonwealth Financial Network is a registered investment adviser serving a national network of nearly 3,000 advisors and their clients, providing a range of advisory programs, wealth management, and retirement plan consulting. The firm supports affiliated advisors with operations, technology, compliance, and investment management, offering diverse portfolio construction options and proprietary model portfolios.

Neil Gendreau is a CFP® and ChFC® with 33 years of experience in financial services. He has been with Kestra Advisory since 2016 and is also associated with Kestra Investment Services, LLC and Fusion Financial Group. In addition to his advisory role, he is an insurance agent recommending fixed insurance products including annuities and life insurance. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients. The firm offers a range of services including plan design, fiduciary consulting, investment due diligence, and supports complex products and discretionary trading within its supervisory framework.

Kyle Gray is a CFP® and CFA® credentialed advisor with six years of industry experience. He is currently with Moneta Group Investment Advisors, LLC in Worcester, MA, and previously worked at Fidelity Investments and Mass Mutual Investors Services. Moneta Group Investment Advisors serves high-net-worth individuals, families, family offices, and institutional clients with portfolio management, financial planning, and family office services. The firm employs a partner-led team structure and an open-architecture investment process emphasizing asset allocation and manager due diligence.

Raymond Lucas III is a financial advisor at Integrated Wealth Concepts LLC with three years of industry experience. His prior roles include positions at LPL Financial LLC and The Vanguard Group, Inc. He also has experience working at the University of Delaware and in various other sectors. Integrated Wealth Concepts LLC serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers customized portfolios primarily using mutual funds, ETFs, individual equities, and fixed income, employing a long-term investment approach supplemented by shorter-term trades for rebalancing or liquidity needs.

Raymond Clifford Jr. is a financial advisor with Capital Analysts, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. His career includes long-term roles at Lincoln Investment Planning Inc. and The Lincoln National Life Insurance Company, as well as a principal position at Clifford & Reno Insurance Agency. Outside of advising, he is involved as a shareholder in restaurant and pizzeria businesses in Worcester, MA. Capital Analysts serves a diverse client base including individual and high-net-worth investors, trusts, foundations, businesses, and charitable organizations. The firm offers portfolio management and retirement-plan advice through a nationwide network of independent advisors, utilizing both discretionary and non-discretionary investment approaches supported by an in-house research team.

Oliver Cragan is a Certified Financial Planner (CFP®) with 11 years of industry experience. He has been with Moneta Group Investment Advisors, LLC since 2021, following prior roles at The Berry Group and Wells Fargo Clearing. Moneta Group Investment Advisors serves high-net-worth individuals, families, family offices, and institutional clients, providing portfolio management, financial planning, family office services, and concierge offerings. The firm employs a partner-led team approach combined with centralized investment due diligence and utilizes an open-architecture selection process with oversight of various sub-advisers.

Edward Gay is a financial advisor with Integrated Wealth Concepts LLC in Worcester, MA, holding Series 63 and Series 65 credentials and 19 years of industry experience. He has worked at Integrated Wealth Concepts since 2017 and has prior experience with LPL Financial, Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MSI Financial Services. Gay has a non-variable insurance business activity in Worcester. Integrated Wealth Concepts LLC serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent financial advisors. The firm offers discretionary investment management, financial planning, family office services, and retirement plan advisory, employing a long-term investment approach combined with model and wrap fee programs.

Ashley Kriner is a financial advisor with Commonwealth Financial Network in Auburn, MA, holding Series 63 and Series 65 licenses and having 11 years of industry experience. She has been with Commonwealth since 2016. Outside of advisory work, she is an assistant at Sparhawk Realty, LLC, a real estate management entity in Florida. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing around $212.7 billion in client assets. The firm offers a broad adviser-support platform, including managed-account programs, access to third-party asset managers, and custody services.

Sarah Berry is a financial advisor at Moneta Group Investment Advisors, LLC with 47 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo Clearing and The Berry Group. Outside of her advisory role, Berry serves as a selectman in Cuttyhunk Island, Massachusetts, overseeing town affairs and municipal operations. Moneta Group Investment Advisors serves high-net-worth individuals, families, family offices, and institutional clients, providing portfolio management, financial planning, and family office services. The firm employs a partner-led team approach with a centralized investment department, utilizing multi-criteria selection and due diligence processes, and offers specialized services including proprietary multi-strategy funds and concierge financial solutions.

Jay Merrill is a financial advisor at Capital Analysts with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with firms including American General Life Insurance Company and Banner Life Insurance. Merrill is involved in community activities as the treasurer for Paxton Little League and co-owns McGrath & Merrill Associates, an independent financial advisory office. Capital Analysts serves both retail and institutional clients, offering portfolio management, custom and model portfolios, and retirement-plan advice through a nationwide network of independent advisors. The firm provides investment management via an in-house team and third-party managers, leveraging proprietary screening tools and maintaining institutional relationships to support a broad range of investment products.

Raymond Lucas Jr. is a CFP® professional with 39 years of industry experience, currently serving at Integrated Wealth Concepts LLC since 2016. He is also associated with LPL Financial over the same period. In addition to his advisory work, he has been a seminar guest speaker since 2014. Integrated Wealth Concepts LLC is part of a larger enterprise serving individuals, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, and family office services, employing customized portfolio construction with a long-term investment approach supported by internal management and third-party asset managers.

John Quinn is a CFA® charterholder with 17 years of industry experience. He currently works at Moneta Group Investment Advisors, LLC, where he has been since 2021, following five years at Wells Fargo Clearing. Moneta Group Investment Advisors serves high-net-worth individuals, families, family offices, and institutional clients, offering portfolio management, financial planning, and family office services. The firm employs a partner-led team structure and an open-architecture selection process focused on asset allocation and manager due diligence.

Robert Hoey is a financial advisor with Commonwealth Financial Network in Worcester, MA. He holds the CFP® designation and has 37 years of industry experience. Hoey has led Hoey Wealth Management since 1999 and previously worked at Marsh Kemp Insurance for over three decades. Outside of his advisory work, he serves as a football coach at Auburn High School. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser supporting a national network of nearly 2,900 advisors and managing over $212 billion in client assets. The firm offers a broad range of managed-account programs, access to third-party asset managers, and comprehensive back-office services including trading and reporting.