Adam Gaudreau is a Financial Consultant at Fidelity Investments, where he applies his expertise to help clients and their families work toward achieving their financial goals. He emphasizes a collaborative approach built on trust and a thorough understanding of each client's unique objectives and concerns. Adam has held various roles at Fidelity Investments since 2016, including Managed Solutions Consultant, Senior Portfolio Specialist, Portfolio Specialist, Investment Consultant, and Relationship Manager. This progression reflects his extensive experience in portfolio management and client relationship development within the financial services industry. Outside of his professional work, Adam engages in activities such as family outings, fishing, fitness, hiking, outdoor adventures, and parenthood.

Kevin Losty is a financial advisor with Cambridge Investment Research Advisors and holds Series 63 and Series 65 licenses. He has 26 years of industry experience, including prior roles at Commonwealth Financial Network, Mass Mutual Investors Services, and Ohanesian / Lecours, Inc. He also operates Losty Wealth Management, where he serves as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers a range of financial planning and investment management services through independent Financial Professionals, utilizing multiple custody platforms and both discretionary and non-discretionary strategies tailored to client objectives.

Brian Cunniff is a CFP® with 26 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors from 2012 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

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.

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, holding the ChFC® designation and Series 63 license. He has five years of industry experience and has held roles at firms including Voya Financial Advisors and Green Bridge Innovative Advisors. His background also includes work outside finance, such as positions at Whole Foods Market and Bryant University. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with research tools and a broad range of investment strategies.

Bernard Konowski is a CFP® with 45 years of industry experience, currently serving at Cambridge Investment Research Advisors since 2009. Prior to this, he worked for 25 years at Creative Financial Planning. He also owns a tax preparation and consulting business and is active as a member of the Good Shepherd Parish Knights of Columbus Council. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services delivered through independent Financial Professionals who tailor strategies using both proprietary and third-party models across various platform arrangements.

Jonathan Jackson is a CFP®-certified financial advisor with Ameriprise in Needham, MA, bringing 28 years of industry experience. He has been with Ameriprise and its affiliated entities since 2015. Outside of his advisory role, he owns a job board domain named MothersHours, though the business has not been developed. Ameriprise provides retirement-income planning services focused on individuals with substantial investable assets, delivering tailored, non-discretionary recommendations through a centralized consulting team that utilizes algorithmic tools and research to support tax-efficient withdrawal strategies and Social Security planning.

Gregory Pennini is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and 17 years of industry experience. He previously worked at LPL Financial for 13 years and held roles at Carrthaxton Financial Group, LLC. Pennini is also involved in fixed insurance sales and owns Carrthaxton Realty Trust, LLC, an entity that owns property where his sales branch is located. Cetera Investment Advisers LLC serves individuals, retirement plans, corporate and charitable clients, and institutional accounts through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers. The firm supports a broad range of investment strategies and manages over $256 billion in assets with more than 10,000 advisors nationwide.

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.

Scott Korn is a financial advisor at LPL Financial with 17 years of industry experience. He holds a Series 66 designation and has worked at LPL Financial since 2016, following five years at Merrill. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and model portfolio programs, supported by a large network of investment adviser representatives.

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.

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.

Samuel Goldberg is a CFP® professional with 27 years of industry experience, currently associated with Raymond James Financial. He has held positions at firms including North Atlantic Investment Partners, Kruegold Asset Management, and Wells Fargo. Goldberg also serves as a co-trustee of a testamentary trust, managing its investments since 2006. 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 risk profiling and analytical tools, while supporting portfolio management through a large advisor network.

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.

Meaghan Harper is a financial advisor at Ameriprise with three years of industry experience. She holds a Series 66 designation and has worked at Ameriprise since 2017, following prior roles at Bath Savings Institution and Bentley University. Outside of her advisory work, she is involved with Array Services, LLC, through which she manages her advisory business. Ameriprise offers a retirement-income planning service tailored to individuals nearing or in retirement with substantial investable assets. The firm provides a range of advisory, brokerage, and insurance solutions and uses a combination of research, modeling, and tax-efficiency analysis to develop personalized retirement-income recommendations.

Jeremy Moss is a CFP®-certified financial advisor with 11 years of industry experience, currently practicing at Ameriprise in Westwood, MA. He has been with Ameriprise and its affiliated entities since 2014. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, providing detailed recommendation reports that incorporate tax-smart strategies, Social Security options, and income source analysis. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary advice through a centralized consulting team.

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.