Chang Hyo Yoon is a financial advisor at Fidelity with three years of industry experience. He holds Series 63 and Series 66 licenses and has held roles at Fidelity Investments and Muy Hamburger Partners, LLC. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its registration with the CFTC as a commodity pool operator, advisory roles to multiple registered investment companies, and its use of systematic methodologies and AI in portfolio management.

Sean Flaherty is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 31 years of industry experience. He has previously worked with Cambridge Investment Research and Cantella & Co., Inc. Flaherty also operates Flaherty Wealth Management as a business entity related to his LPL activities. LPL Financial serves a broad range of clients including individuals, retirement plans, banks, and charitable organizations, offering financial planning, advisory programs, and brokerage services through a national network of investment adviser representatives.

Peter Mahoney is a financial advisor with Fidelity, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His career includes positions at Fidelity Brokerage Services, Inc. since 1996 and Fidelity Personal and Workplace Advisors since 2018. He is currently based in Dover, MA. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including advisory roles for registered investment companies and multi-manager fund structures. The firm combines proprietary fundamental research with quantitative and algorithmic portfolio construction, utilizing systematic methodologies and long-term asset allocation benchmarks.

Ryan Giordano is a financial advisor at Fidelity with a Series 66 designation and less than one year of industry experience. His prior work experience includes roles at HomeSense, GNC, and The Home Depot, as well as positions during and after his time at the University of New Hampshire. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a process that combines proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm manages portfolios through systematic methodologies and oversees multiple affiliated and unaffiliated sub-advisers.

Tammy Breault is a financial advisor at Fidelity with 25 years of industry experience. She holds Series 63 and Series 66 designations and has been with Fidelity Investments since 2000. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves as an advisor to multiple registered investment companies and fund-of-funds.

Justin Wojcik is a financial advisor at Fidelity with one year of industry experience. He holds the Series 66 designation and has previously worked at Rhode Island College and La Familia Restaurant. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, relying on a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm advises multiple registered investment companies and constructs model portfolios using systematic methodologies and long-term asset allocation benchmarks.

Richard Ringler is a financial advisor with Primerica Advisors in Mansfield, MA, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1990. Outside of his advisory role, he occasionally acts as a notary and is involved in referrals for home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which includes model-delivery strategies and a limited number of separately managed account options for individual and high-net-worth clients. The firm focuses on curated third-party asset managers and uses a tiered wrap fee structure rather than fixed fees.

Casey Connor is a financial advisor at Fidelity with a Series 66 designation and three years of industry experience. Prior to joining Fidelity, he worked in the charter fishing industry as a deckhand with Helen H Deep Sea Fishing. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad range of clients, including retail and institutional investors. The firm combines fundamental research with quantitative analysis and systematic methodologies to construct model portfolios from mutual funds, ETFs, and ETPs, and it serves as an adviser to multiple registered investment companies.

Peter Darling is a financial advisor at Fidelity with Series 66 and Series 63 designations and four years of industry experience. His prior work includes roles at Bournewood Hospital and academic positions at the University of Massachusetts Boston and Massasoit Community College. He works at Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to develop model portfolios, and it is noted for its role as a commodity pool operator and advisor to multiple registered investment companies.

William Florio is a financial advisor at Fidelity with Series 63 and Series 66 credentials and two years of industry experience. Prior to joining Fidelity, he worked in mortgage lending and various roles in media and audio production. Outside of advising, he works as a freelance audio engineer specializing in music and voice-over recording, mixing, and sound design. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a systematic investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction.

Kelly Clougherty is a financial advisor at Fidelity with two years of industry experience. She holds the Series 63 and Series 66 designations. Her prior work experience includes roles at Diamond Cove Wealth Management and several small businesses, including Morning Glories Bakery & Cafe and Pour Coffee and Bagel Company. Kelly is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a range of portfolios, including fund-of-funds and model portfolios.

Hayden Curley is a financial advisor at Ameriprise with three years of industry experience. He holds a Series 66 designation and has worked at Ameriprise since 2022. Prior to his advisory role, he held positions at Bryant University, TJ Maxx, and the Mendon-Upton School District. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning services that include written recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies. Their retirement income service integrates investment research and third-party data to provide tailored planning within a defined investment framework.

Kyle Lothrop is an Investment Solutions Representative III at Fidelity Investments, a role he has held since 2026. He has been with Fidelity Investments since 2022, progressing through various positions including Investment Solutions Representative II and I, High Net Worth Service Associate, and Customer Relationship Advocate. Prior to joining Fidelity, Kyle worked as a Loan Officer Assistant at Radius Financial Group Inc. from 2020 to 2022. In his current role, Kyle partners with clients to understand their short and long-term financial goals and helps build customized financial plans to meet their unique needs. He emphasizes forming strong relationships with clients and their families, focusing on trust, reliability, and competency. Outside of his professional work, Kyle's personal interests include fitness, football, golf, snowboarding, soccer, and traveling.

Steven Ray is a financial advisor at Fidelity with nine years of industry experience. He holds the Series 66 and Series 63 designations and has been with Fidelity Brokerage Services LLC since 2016. Outside of his advisory role, he works as a concierge at a condominium complex in Providence and is also active as a real estate agent. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients using a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages model portfolios composed of mutual funds, ETFs, and ETPs and provides advisory services including discretionary and non-discretionary portfolio management.

Allison Dungey is an Investment Solutions Representative III at Fidelity Investments, a position she has held since 2026. She has been with Fidelity Investments since 2023, progressing through roles from Customer Relationship Advocate to her current role. Allison focuses on understanding clients' unique financial situations and aspirations through active listening and inquiry. She collaborates with clients to develop comprehensive, clear financial plans aimed at meeting their goals with confidence. In her personal time, Allison enjoys socializing with friends, horseback riding, music, reading, theater, and traveling.

Kyle Zucco is a financial advisor at Fidelity with Series 63 and Series 66 credentials and three years of industry experience. Prior to joining Fidelity, he worked at Keystone Commons and has experience in various roles including employment at Ludlow Fish and Game Club, where he worked as a bartender. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs.

Gianna Pirri is a financial advisor at Fidelity with Series 63 and Series 66 designations and one year of industry experience. Her prior work includes various roles in educational institutions and local businesses. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction across a range of mutual funds, ETFs, and ETPs. The firm serves as an advisor to multiple registered investment companies and employs systematic methodologies to develop model portfolios.

Matthew Mckay is a financial advisor at Fidelity with 25 years of industry experience. He holds Series 63 and Series 66 designations and has worked with various Fidelity divisions since 2003. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, using a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and manage a range of funds.

Daryl Villanueva is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he held positions in automotive sales and retail, and worked with community organizations including the South Shore YMCA. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to both retail and institutional clients. The firm uses a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage mutual funds, ETFs, and ETPs, and serves as an adviser to multiple registered investment companies and fund-of-funds.

Stephen Lubin is a CFP®-certified financial advisor with over 32 years of industry experience. He is currently with LPL Financial and has previously worked at Citizens Securities, Inc. for 15 years, Infinex Investments, Inc. for 2 years, and South Shore Bank for 3 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and retirement plan consulting.