Joshua Franklin is a financial advisor with Raymond James & Associates who holds a Series 66 designation and has 10 years of industry experience. His prior roles include positions at Bank of America, N.A., and Merrill. He is also involved with David's World Famous, a business outside the financial industry. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional and pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Barry Debany is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and over 34 years of industry experience. He has worked with Cetera and its affiliated entities since 2013 and owns Debany Financial Group, LLC, which provides financial services. Outside of finance, he is the executive producer of a musical performance scheduled for Carnegie Hall in 2027. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of investment advisory services through a multi-manager platform, including discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Eric Hobin is a financial advisor with Raymond James & Associates in Burlington, MA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His prior roles include positions at Bank of America, Merrill, and Banc of America Investment Services. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

Gerald D'Apice is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2022. He works with individuals and families to develop personalized financial plans that address long-term risks and adapt to changing market conditions, aiming to align clients' portfolios with their personal financial goals. Gerald has been with Fidelity Investments since 2013 in various roles including Financial Consultant, Investment Consultant, Relationship Manager, and Financial Representative. Prior to that, he worked as a Client Services Representative at Empower from 2011 to 2013.

Sean Oliveira is a CFP®, CFA®, and holds a Series 66 license with 10 years of industry experience. He is currently with Cetera and has previously worked at JPMorgan Wealth Management and First Republic Investment Management. Oliveira is based in Reading, MA. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, overseeing over $256 billion in assets through a network of more than 10,000 advisors.

Ryan Arsenault is a Wealth Management Advisor with The Battaglia McCauley Group at Merrill Lynch Wealth Management. He began his career in financial services in 2013 and joined Merrill Lynch in 2019. Ryan provides investment and wealth management strategies tailored to entrepreneurs, corporate executives, retirees, and their families. His approach emphasizes clear communication, disciplined planning, and aligning investment decisions with clients' broader financial goals as their lives and priorities change. He collaborates regularly with clients' attorneys, accountants, and other trusted advisors to coordinate strategies effectively. Ryan holds a Bachelor's Degree from the University of New Hampshire and is a CERTIFIED FINANCIAL PLANNER® (CFP) certificant. He is also a Personal Investment Advisor (PIA) and participates in the UNH Alumni Boston Chapter. Outside of his professional work, Ryan is involved with the Greater Boston Food Bank and enjoys bowling, cooking, football, golfing, ice hockey, skiing, tennis, traveling, watching movies, and spending time with his family.

Olivia Coco is a Planning Consultant at Fidelity Investments, where she serves as a trusted point of contact for Financial Consultants, providing proactive support and guiding clients through their financial journeys with confidence and clarity. She has been with Fidelity Investments since 2023 and has held roles including Financial Representative and Relationship Manager prior to her current position. Her professional experience encompasses various aspects of financial consulting and client relationship management within Fidelity Investments. Olivia's work focuses on supporting financial consultants and ensuring clients receive comprehensive assistance in their financial planning. Outside of her professional responsibilities, Olivia enjoys fitness, hiking, music, outdoor adventures, reading, and running.

Mathew Silvagnoli Martinez is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. He previously worked at Bank of America, N.A. and LGA, LLP CPAs & Business. Outside of his advisory role, he works part-time as a bartender at Four Oaks Country Club. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts.

George Hanscom is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 19 years of industry experience. He has been affiliated with Cetera and its related entities since 2016. Outside of his advisory role, Hanscom manages tax preparation and consulting services through George Hanscom & Associates and owns GJH Processing, a business focused on e-filing tax returns. Cetera Investment Advisers LLC serves a broad range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and operates a multi-manager platform with access to affiliated and third-party managers.

Brian Murphy is an Investment Consultant currently working at Fidelity Investments since 2024. He focuses on collaborating with clients to develop holistic financial plans tailored to their specific goals, with an emphasis on fostering client confidence and comfort in their financial strategies. His professional experience includes roles at Fidelity Investments as a Financial Representative from 2023 to 2024 and as an Investment Solutions Representative from 2021 to 2022. Prior to that, he worked at Putnam Investments as an Investor Services Associate from 2020 to 2021 and served as a College Financial Representative at Northwestern Mutual in 2020.

William Kindle is a financial advisor at Edelman Financial Engines with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms including Homestead Advisers Corp., Windham Capital Management, and Wellesley Asset Management. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm offers a range of solutions including discretionary management and online advice, using a committee-driven modeling process combined with planner delivery and online tools.

Jon Bicknell is a CFP®-designated financial advisor with 30 years of industry experience, currently affiliated with Cetera. His career includes roles at Cetera Advisors LLC, Investors Capital Corp., and Osaic FA, Inc. In addition to his advisory work, he is involved in fixed insurance sales, operates a financial services DBA, and is engaged in life settlements. Cetera Investment Advisers LLC distributes advisory services through a nationwide network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services via a multi-manager platform with discretionary and non-discretionary options.

Nicholas Bella is the Vice President, Financial Consultant at Fidelity Investments, a role he has held since 2025. He has been with Fidelity Investments since 2016, progressing through various positions including Financial Consultant, Investment Consultant, Relationship Manager, Investment Solutions Representative, Premium Relationship Associate, and Financial Representative - Full Trader. Throughout his tenure at Fidelity Investments, Nicholas has developed expertise in financial planning, investment strategy, and income planning tailored to meet the unique needs of clients and their families. He emphasizes advocacy, consistent communication, and clarity in working with clients to achieve their financial goals. No information regarding his education, credentials, personal interests, or community involvement was provided.

Gina Gillespie is the Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2014. She collaborates with clients to understand their personal and professional objectives and helps them develop tailored investment plans. Gina aims to empower her clients through a clear and collaborative approach to financial strategy. Her career in financial services spans over a decade, beginning as a Senior Internal Wholesaler with John Hancock Distributors from 2006 to 2010. She then served as Regional Representative and DCIO Regional Representative for John Hancock Funds between 2010 and 2012. In 2012, she joined Fidelity Investments as an Account Executive before advancing to her current role.

Jiles Robinson is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 designations and bringing 27 years of industry experience. His prior work includes roles at Bank of America and Merrill. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets and serving a diverse client base, including individuals, institutions, and municipalities. The firm offers a range of financial planning and consulting services, with a focus on non-discretionary advice supported by extensive research and multiple portfolio management styles.

Heather Scearce is a Financial Advisor with Merrill Lynch Wealth Management, where she has been creating personalized wealth strategies since 2022. She works closely with clients to understand their unique priorities and develop financial plans that address a range of goals, including retirement planning, socially responsible investing, and tax minimization. Heather provides ongoing advice and access to a wide range of financial services through Bank of America specialists. Prior to her career in financial advising, Heather owned and operated a Pilates and personal training studio, where she helped clients achieve their health and fitness objectives. She holds a Bachelor's Degree from the University of Washington and the Personal Investment Advisor (PIA) designation. Outside of her professional role, Heather enjoys boating, dancing, gardening, music, spending time with family, tennis, traveling, and yoga.

William Johnson is a financial advisor at Fidelity with 25 years of industry experience. He holds Series 63 and Series 66 credentials and has worked with various Fidelity entities since 2000. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including fund-of-funds and model portfolios using systematic methodologies.

Carl Annese III is a financial advisor at Edelman Financial Engines with a Series 65 designation. He has been with Edelman Financial Engines since 2019 and previously worked at Siharum Advisors from 2015 to 2019. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub‑advisory services to other financial institutions, and supports a large participant base through both advisor-led and online offerings.

Joy Baron is a financial advisor with OSAIC and holds Series 63 and Series 65 credentials. She has 38 years of industry experience, including 30 years at Signator Investors, Inc. and overlapping tenure with John Hancock, before joining OSAIC in 2018. Baron is also a partner at Coastal Wealth Management, a financial services LLC. OSAIC serves a diverse client base that includes individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides a range of services such as brokerage and investment advisory, financial planning, retirement plan consulting, and access to multiple managed account platforms and third-party money managers.

Roger Cunhui Yang is a financial advisor with Cetera who holds the CFP® designation and Series 63 and 65 licenses. He has 28 years of industry experience and has worked at firms including Cantella & Co., Inc., and Great Wall Insurance Group, Inc. Yang serves as president of Great Wall Financial Group, Inc. and is active in managing multiple family real estate trusts and condominium associations. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients nationwide. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with discretionary and non-discretionary account options.