Peter Karle is a financial advisor with Morgan Stanley in Concord, MA, holding a Series 63 designation and bringing 24 years of industry experience. He has been with Morgan Stanley since 2020, following a 19-year tenure at Fidelity Brokerage Services LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm provides tailored financial planning using structured discovery conversations and firm-approved tools, with a focus on advisory services rather than individual security recommendations.

Susan Watson is a financial advisor with OSAIC, holding Series 65 and Series 63 licenses and seven years of industry experience. She has worked at OSAIC since 2023 and previously at Sagepoint Financial and Legacy Financial Advisors. In addition to her advisory role, she serves as an operations manager at Synergy Wealth Partners, providing client support and business management to financial advisors. OSAIC Wealth, Inc. serves a diverse client base including individuals, institutions, and charitable organizations through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and advisory services, employs firm-provided asset-allocation tools and automated rebalancing, and supports various third-party managed-account solutions.

Paul O'Malley is a financial advisor at OSAIC with five years of industry experience and holds a Series 66 designation. His prior roles include positions at SagePoint Financial and Securian Advisors of New England, and he also operates an accounting and tax preparation business under James A. O'Malley, C.P.A. Additionally, he offers clients fixed insurance products as part of his other business activities. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers, providing brokerage and advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios that include various investment types, with options for discretionary and non-discretionary accounts.

Samuel Grudzien is a Planning Consultant at Fidelity Investments, where he has been serving clients since 2022. He approaches financial planning with a focus on frugality, integrity, and empathy, emphasizing thoughtful and judgment-free client relationships. Samuel listens carefully to clients to help them make informed decisions based on their individual goals and values. His professional experience centers on workplace planning, providing guidance to clients to support their financial well-being. Outside of his professional role, Samuel enjoys cooking and baking, as well as participating in activities such as golf, running, and snowboarding.

Francis Novak is a financial advisor at Morgan Stanley with 41 years of industry experience. He holds a Series 63 designation and has worked at Morgan Stanley and Wells Fargo in various advisory capacities since 2015. Novak is based in Worcester, MA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market outlook models.

Lisa Casillo is a financial advisor at Edward Jones with 16 years of industry experience and holds a Series 66 designation. She has been with Edward Jones since 2009. Casillo is also an author of the industry-related book "How to Not Die Broke." Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over 23,700 financial advisors and $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment solutions under a fiduciary standard.

Madison White is a Series 66-licensed financial advisor with two years of industry experience. She is currently affiliated with Cambridge Investment Research Advisors and previously worked at Pruco Securities LLC and IA Financial Advisors. Outside of finance, she has experience in education and retail, including roles at University of Massachusetts Amherst, Shepherd Hill Regional High School, and WOW Dancewear. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent advisors using a variety of portfolio management approaches and custody arrangements.

Nancy Malone is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 designations and 18 years of industry experience. She has been associated with Raymond James Financial Services since 2008 and with Wheelhouse Wealth Advisors since 2015. 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 uses analytical tools to support client goals, with specialized services such as municipal advisory work and SIMPLE IRA Employer Advisory & Consulting programs.

Christopher Maniscalco is a Series 66-registered financial advisor with Cambridge Investment Research Advisors in Westford, MA, bringing one year of industry experience. Prior to his current role, he worked at LPL Enterprise and has held roles in transportation and delivery services. Outside of advising, he is engaged in rideshare and delivery work for companies including Instacart, Uber, and Spark. Cambridge Investment Research Advisors serves a broad client base—including individuals, retirement plans, charitable organizations, and trusts—providing financial planning, investment management, and retirement plan advisory services through a network of independent professionals. The firm offers a range of investment solutions, including proprietary and third-party model strategies, with both discretionary and non-discretionary management options tailored to client objectives.

Rob Chwalek is Vice President and Private Wealth Management Advisor at Fidelity Investments. He partners with clients for strategic planning and consulting on complex wealth planning topics. He has been with Fidelity Investments since 1996, holding various roles including Vice President, Executive Planning Consultant from 2012 to 2020; Vice President, Private Client Group from 2006 to 2012; Regional Consultant from 2005 to 2006; Senior Investment Consultant in Portfolio Advisory Services from 2000 to 2005; and Participant Services Group in Retirement from 1996 to 2000.

Scott Louder is a financial advisor with Raymond James & Associates who holds Series 63 and Series 65 designations and has 32 years of industry experience. He has been with Raymond James & Associates since 2015. Outside of his advisory role, he serves on the finance and investment committee for the nonprofit Urban Missionaries in Worcester, MA. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary services.

Heather Freeman is a Wealth Management Advisor with Merrill Lynch Wealth Management. She joined the firm in 2006 and focuses on serving high-net worth clients, providing advice and guidance aimed at long-term financial success. Heather specializes in areas including college education planning, executive and equity compensation, family wealth management, personal retirement planning, philanthropic and socially responsible investing, special needs planning strategies, and women and wealth. With over 20 years of experience in financial services, Heather holds several professional credentials: the CERTIFIED FINANCIAL PLANNER® (CFP) certification, the Chartered Financial Consultant® (ChFC) designation, the Chartered Retirement Planning Counselor™ (CRPC) designation, and the Personal Investment Advisor (PIA) designation. She earned a Bachelor of Science degree in International Business with a concentration in Finance from the University of Tampa and received her MBA from Quinnipiac University. Heather is involved in her local community through financial literacy initiatives, volunteering as a Dollar Scholar Facilitator with the United Way, and serving on the United Way Women’s Initiative. She has also contributed to the Girl Scouts of Central and Western Massachusetts as a finance committee member and board director, as well as the Young Professional Women’s Association in Worcester. In addition to her professional and philanthropic commitments, Heather enjoys running and coaching rowing.

David Brown is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and previously worked at BlackRock and The 33rd Team. Prior to his advisory career, he was employed by the University of Massachusetts, Amherst and Braintree Public Schools. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-planning advice focused on income sources and tax-aware withdrawal strategies.

Marianne Cunha Simmons is a Wealth Management Planning Consultant at Fidelity Investments, where she collaborates with the Wealth Management team to assist clients in developing personalized financial plans aimed at achieving their individual financial goals. She has been in her current role since 2023. Ms. Simmons has extensive experience in the financial services industry, having held various positions at Fidelity Investments since 1998, including Planning Consultant, Senior Relationship Manager, Premium Services Representative, and Retirement Planning Representative. She also worked as a Registered Sales Assistant at DCU Financial from 2011 to 2013. Her career reflects a long-standing commitment to client service and financial planning. No information about her education, credentials, personal interests, or community involvement has been provided.

Diane Burke is a financial advisor with Morgan Stanley in Westborough, MA, holding a Series 66 designation and over 10 years of industry experience. She has been with Morgan Stanley Smith Barney since 1999. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm utilizes structured discovery conversations and proprietary planning tools, including the Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations, to develop its financial plans.

Nicholas Pucillo is a Series 66 licensed financial advisor at Fidelity with one year of industry experience. His prior work includes roles in education with Bentley University and the Acton-Boxborough School District. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including model portfolios built from mutual funds, ETFs, and ETPs.

Margaret Simonds is a financial advisor with Mass Mutual Investors Services in Southborough, MA, holding a Series 63 license and 11 years of industry experience. Her prior roles include positions at Park Avenue Securities and Guardian Life. She is also active as a sales agent in individual and group life, health, disability income, and long-term care insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing, collaborative planning engagements that use firm-approved tools to analyze client goals and deliver written recommendations.

Maxwell McGourty is an Investment Consultant at Fidelity Investments, a role he has held since 2024. He works with clients to co-create investment plans related to their financial goals. Prior to this position, he held several roles at Fidelity Investments, including Investment Solutions Representative from 2023 to 2024, High Net Worth Representative from 2022 to 2023, and Customer Relationship Advocate from 2021 to 2022. His experience encompasses various aspects of client relationship management and investment solutions within the firm.

Garth Fondo is a CFP® with 28 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 15 years. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research and modeling techniques to deliver tailored, tax-efficient withdrawal strategies through a centralized consulting team.

Danielle Drew is a CFP® professional with seven years of industry experience, currently affiliated with Cetera. She has worked at several firms, including Commonwealth Financial Network and Triad Advisors. Outside of finance, she is a fitness instructor at NRG Fitness, where she teaches cardio and strength classes. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary services through a large network of independent advisors.