John Bullock is a financial advisor with LPL Financial in Lexington, MA, holding Series 63 and Series 65 credentials and bringing 10 years of industry experience. His prior experience includes roles at Horizon Wealth Partners, Waddell & Reed, Baystate Financial, and several other firms. He is involved with Memento Mori Corporation of America, a business entity he manages for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charities through a national network of investment adviser representatives. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services, utilizing discretionary and non-discretionary management, model portfolios, and research from multiple sources.

Michael Kantrowitz is a financial advisor at Wells Fargo Clearing with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Bank of America and Merrill Lynch. Outside of his advisory role, he operates a wine concierge business in Newton, MA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, performance reporting, participant education, and plan benchmarking, with a notable range of financial products including insurance-related vehicles and bank deposit sweep options.

Joe Fucci is a Financial Consultant at Fidelity Investments, a position he has held since 2021. He works with individuals, families, and business owners to develop customized financial plans aimed at achieving their financial goals. Joe collaborates closely with clients to create strategies that promote financial peace of mind. Joe has been with Fidelity Investments since 2016, holding several roles including Investment Consultant, Relationship Manager, Central Relationship Manager, Investment Solution Representative, and Premium Relationship Associate. His experience spans various aspects of financial consulting and client relationship management. He holds a California Insurance License, which supports his professional practice in the financial services industry.

Kathleen Sullivan is a financial advisor with Cetera, holding a Series 66 credential and one year of industry experience. She previously worked at Avidia Bank for 14 years before joining Cetera and Williams Financial Group in 2024. Outside of her advisory role, she serves as a notary and has been an independent beauty consultant since 2007. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, utilizing multiple program structures and access to third-party money managers.

John English is a financial advisor with LPL Financial in Leominster, MA. He holds the ChFC® designation and the Series 63 license, and has five years of industry experience. His prior work includes positions at Whole Foods Market and Voya Financial Advisors, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, and provides both discretionary and non-discretionary management supported by research and model portfolios.

David Weisberg is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with Fidelity Brokerage Services Inc. since 2000 and has worked across various Fidelity divisions, including Fidelity Personal and Workplace Advisors since 2018. Outside of his advisory role, he holds a 5.56% ownership stake and serves as assistant property manager in a family LLC. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm’s approach includes discretionary and non-discretionary advisory services, fund advisory, and model portfolio delivery, with oversight and use of AI-driven research methods.

Christine Belair is a CFP®-credentialed financial advisor with 19 years of industry experience. She is currently affiliated with LPL Financial and has prior experience at CUNA Mutual Group and CUNA Brokerage Services. Belair is involved with BrightBridge Investment & Retirement Group, an entity related to her LPL business activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, financial institutions, and charitable organizations through a large national network. The firm provides a variety of advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Amar Zornic is currently a Planning Consultant at Fidelity Investments, a position he has held since 2025. He has been with Fidelity Investments since 2022, progressing through roles including Relationship Manager, Investment Solutions Representative 1, and Customer Relationship Advocate. Prior to joining Fidelity, Amar worked at Citizens Bank from 2016 to 2022, where he held positions as Teller, Personal Banker, and Loan Officer. Throughout his career, Amar has partnered with individuals, families, and business owners to develop and maintain financial plans that address both short and long-term goals. His approach emphasizes building relationships that adapt to clients' changing goals and circumstances, aiming to provide confidence and peace of mind in their financial planning.

Bernard Konowski is a CFP® with 45 years of industry experience, currently serving at Cambridge Investment Research Advisors since 2009. He has also been associated with Creative Financial Planning since 1984. Outside of advising, he prepares individual tax returns and provides consulting and financial counseling, as well as participating in quality control for tax returns in a local practice. He is involved with the Good Shepherd Parish Knights of Columbus Council. Cambridge Investment Research Advisors is a large SEC-registered advisor serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, utilizing a variety of portfolio management strategies and platform options tailored to client objectives.

Michael Soleau is a financial advisor with Fidelity, holding a Series 66 designation and 15 years of industry experience. He has been with Fidelity Investments and its affiliates since 2010, including roles at Fidelity Personal and Workplace Advisors since 2018. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, as well as registered investment companies. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and oversee multiple fund advisory services.

Gregory Pennini is a financial advisor at Cetera with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Cetera and LPL Financial. He is also vice president of Carrthaxton Financial Group, LLC, where he provides financial services, and is involved in fixed insurance sales and ownership of Carrthaxton Realty Trust, LLC. Cetera Investment Advisers LLC is a nationwide advisory firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management options and oversees over $256 billion in assets under management.

Mark Montaquila is a financial advisor with Edward Jones in Leominster, MA, holding a Series 66 designation and seven years of industry experience. He has been with Edward Jones since 2018 and previously worked at EXIT Realty Massachusetts and Catchpoint Systems. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of over 23,700 advisors and offers a range of advisory programs and investment strategies under a fiduciary standard.

Jason Tholander is a financial advisor with Raymond James Financial, holding a Series 66 license and 25 years of industry experience. He has been with Raymond James Financial Services Advisors since 2016. Outside of his advisory role, he manages a property used as a branch office and is involved in supporting related business activities. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique municipal advisor affiliation.

Pete Krug is the Vice President and Branch Leader at Fidelity Investments. In this role, he leads a team of advisors serving clients in the greater Nashua community, focusing on helping them make educated and informed financial decisions for themselves and their families. Prior to this position, he served as Assistant Branch Leader at Fidelity Investments from 2018 to 2022. Pete and his team work collaboratively to support clients in progressing financially and co-creating thoughtful strategies aligned with their financial and life goals. His professional experience centers on leadership within Fidelity's branch operations. Outside of his professional responsibilities, Pete enjoys golf, hiking, spending time with pets, reading, skiing, and traveling.

Dana Gilpatrick is a financial advisor with Cambridge Investment Research Advisors holding a Series 66 designation and 18 years of industry experience. She has been with Cambridge Investment Research Advisors since 2013. Outside of advisory work, she owns a tax preparation business named Tax Bracket Management and is an independent insurance agent. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, and charitable organizations, providing financial planning, investment management, and retirement advisory services. The firm offers a range of investment solutions through multiple platform arrangements, combining proprietary and unaffiliated strategies tailored to client objectives.

Sarah Sekula is a Wealth Management Planning Consultant at Fidelity Investments, a position she has held since 2025. She has been with Fidelity since 2020, progressively advancing through roles including Regional Center Planning Consultant, Client Services Team Leader, Investment Solutions Representative, and Customer Relationship Advocate. Her professional experience encompasses wealth management and client service within the financial sector. Sarah applies emotional intelligence in financial planning, aiming to provide a holistic approach tailored to each client's values and financial story. Sarah holds insurance licenses in Arkansas and California. Outside of work, she enjoys cooking and baking, exploring culinary interests, music and singing, and traveling.

Joel Malo is a financial advisor with Wells Fargo Clearing in Waltham, MA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked at Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing, where he has been since 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s process is grounded in modern portfolio theory and includes a broader range of investment options, such as insurance-related vehicles and bank deposit sweep programs, than is typical for large institutional advisers.

Lee Schmertzler is a financial advisor at Cambridge Investment Research Advisors with 26 years of industry experience. He previously worked at Pinnacle Pension Consultants LLC and M Holdings Securities, Inc. Schmertzler holds Series 63 and Series 65 licenses and is also active as an independent insurance agent. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement-plan sponsors, and charitable organizations, offering financial planning, investment management, and retirement advisory services. The firm employs both discretionary and non-discretionary strategies across multiple platforms and maintains proprietary and third-party model portfolios.

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 at OSAIC with 31 years of industry experience. He holds Series 63 and Series 66 credentials and has been with OSAIC since 2013. He is also the owner of Boston Wealth Management, a limited liability company that provides insurance products including life, disability, long-term care, annuities, and property/casualty coverage. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing various asset-allocation tools and third-party solutions to manage portfolios across different investment types.