Michael Jankovic is a financial advisor with Merrill, holding a Series 66 designation and 14 years of industry experience. He has been with Merrill since 2012. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Matthew Sparrow is a Senior Financial Advisor at Merrill Lynch Wealth Management. He joined Merrill Lynch in 2008 after working with Morgan Stanley and Smith Barney beginning in 2002. In 2015, he joined the O'Brien Sparrow Wealth Management Group, where he continues to provide investment management and wealth planning services. Matthew received a Bachelor's Degree in Economics and Finance from Bentley University and holds the Portfolio Manager designation. He focuses on working with individuals, families, corporate executives, and institutions in areas including investment management, wealth planning, college education planning, corporate executive services, divorce transition planning, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. Matthew resides in Hopkinton with his wife and four children. His personal interests include football, tennis, spending time with his family, and traveling.

Casey Freeman is the Resident Director and Wealth Management Advisor at Merrill Lynch, leading a team that includes his wife and another female advisor. With more than 20 years of experience in financial advising, Casey works closely with individuals, families, and organizations to develop personalized financial strategies. His approach emphasizes a collaborative partnership with clients to pursue long-term financial goals, including cash flow management and strategic tax mitigation. He specializes in areas such as executive compensation, equity compensation services, family wealth management, estate and trust planning, and services for endowments, foundations, and non-profits. Casey's team utilizes proprietary tools like the Personal Wealth Analysis™ to help clients achieve a work-optional lifestyle by projecting scenarios that maximize cash flow and uncover tax advantages. Casey holds a High School Diploma from Holy Name Central Catholic High School, a Bachelor's Degree from the University of Tampa, and a Master of Business Administration (MBA) from the University of South Carolina System. He has earned professional designations including Accredited Asset Management Specialist (AAMS), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Casey participates in community activities through memberships such as the Coast Guard Auxiliary, Creative Hub Worcester, and Holden Youth Soccer. His personal interests include adventure sports, boating, fishing, football, scuba diving, soccer, spending time with his family, and traveling.

Douglas Gower is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. His prior work includes roles at John Hancock and Mutual of Omaha. He serves as treasurer for the Wayland PTO, a local scholastic organization. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, providing tailored investment solutions including proprietary and third-party model strategies across various platform arrangements.

Ryan Viktorin is a Vice President and Financial Consultant at Fidelity Investments, where he has worked since 2013. He has 18 years of experience as a financial advisor, including prior work at Morgan Stanley from 2008 to 2013. He specializes in working with high net worth families, focusing on investment strategies, retirement planning, and tax-efficient investing. Ryan maintains an in-depth understanding of the financial markets and aims to simplify and communicate complex financial concepts to his clients. He holds a California Insurance License.

Christian Grundel is a financial advisor with Cetera, holding the CFP® designation and Series 66 and 63 licenses, and has 18 years of industry experience. His prior experience includes roles at Financial Engines Advisors L.L.C., Arrow Wealth Management LLC, and Sovereign Wealth Partners. Outside of advising, he is a writer and producer of fiction podcasts and serves as a board member of the West Warwick Public Library. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting both discretionary and non-discretionary investment strategies.

James W. Buzgo is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at UBS Financial Services Inc. for 11 years. Ameriprise offers a retirement-income planning service focused on clients with significant investable assets, providing written recommendations on income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research and modeling with advisory solutions across investments, brokerage, and insurance through affiliated entities.

Matthew Petralia is a financial advisor at Fidelity with 29 years of industry experience. He holds Series 63 and Series 66 designations and has worked previously with Newport Group Securities, Inc. and Newport Group, Inc. His tenure at Fidelity includes roles within Fidelity Brokerage Services and Strategic Advisers LLC. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios across mutual funds, ETFs, and ETPs, with distinct involvement in commodity pool operations and advisory roles to multiple registered investment companies.

Michael Tartarini is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. His career includes roles at Raymond James Financial Services, Legacy Financial Advisors, and SAGEPOINT FINANCIAL. He is based in Acton, MA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and third-party asset management, supported by a large network of advisors and a broad platform of financial and operational resources.

Joseph Delano Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has been with LPL Financial and its predecessor firms since 1991. He serves as a board member for St. Mary’s Credit Union, a nonprofit organization. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions supported by a large network of investment adviser representatives and extensive operational resources.

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 with Morgan Stanley in Worcester, MA, holding a Series 63 designation and 42 years of industry experience. His prior work includes roles at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Morgan Stanley Private Bank, N.A. Novak has been with Morgan Stanley Smith Barney LLC since 2023. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, including tailored financial planning services supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides planning both directly and through employer-based agreements.

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.

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.

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.