John Nolan IV is a CFP® and Series 66-credentialed financial advisor with nine years of industry experience. He has held positions at Edward Jones, Commonwealth Financial Network, and the University of Massachusetts Lowell before joining Raymond James Financial Services Advisors Inc. in 2026. Nolan is also involved with Sammons as a non-variable insurance agent. Raymond James Financial Services Advisors, Inc. provides financial planning and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm employs a tailored, non-discretionary approach using risk profiling and analytical modeling, and it offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Joseph Peppe is a financial advisor at Ameriprise with 33 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Ameriprise and its affiliate since 2014. Outside of his advisory role, he manages family rental properties. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet specific eligibility criteria, combining research, modeling, and tax-efficiency analysis to deliver non-discretionary recommendations in partnership with clients’ advisors.

Mark Lefebvre is a financial advisor with LPL Financial in Chelmsford, MA, holding a Series 63 designation and over 35 years of industry experience. He has worked with Crosspoint Financial Advisors since 2015 and Bay Financial Advisors, Inc. from 2004 to 2021. Lefebvre is a half owner of Crosspoint Financial Advisors, where he has managerial duties alongside his advisory work. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice and account management delivered through a large network of investment adviser representatives.

Andrew Menefee is a financial advisor with Charles Schwab in Lynnfield, MA, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. His prior experience includes roles at Fidelity Brokerage Services LLC, TD Ameritrade, and Charles Schwab Bank. Outside of finance, he is the founder and CEO of Centurium Studios, a printing and publishing business. Charles Schwab serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary advisory relationships and access to discretionary separately managed accounts, combining a large client base with an integrated operational structure.

Gregory Blaisdell is a financial advisor with Osaic Wealth in Salem, MA, holding a Series 66 designation and 11 years of industry experience. His prior roles include positions at Solutions Brokerage Network, Lifemark Securities Corp., Tandem Head, Cantella & Co., John Hancock, and Sii Jhfn. Outside of his advisory work, he has power of attorney responsibilities related to the care of his father. Osaic Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, charities, and corporate clients. The firm offers a multi-advisor platform with brokerage and advisory services that utilize model-based asset allocation, portfolio optimization, and a range of managed account programs.

Jonathan Lloyd is a Financial Consultant currently working at Fidelity Investments since 2023. In this role, he partners with clients to develop personalized wealth management plans aimed at accomplishing important goals and achieving long-term financial flexibility. Prior to his current position, Jonathan served as a Planning Consultant at Fidelity Investments from 2021 to 2023. He also has experience as a Wealth Management Advisor at UBS Financial Services between 2018 and 2021. Earlier in his career, he worked at State Street Global Advisors as a SPDR Product Analyst from 2017 to 2018 and as a Business Development Consultant from 2010 to 2017.

James Henry is a financial advisor at Morgan Stanley with Series 63 and Series 65 licenses and three years of industry experience. He has worked at Morgan Stanley since 2022, including a position at Morgan Stanley Private Bank, N.A., and previously held roles at UBS and United Health Group. Outside of his advisory work, he is also active as a musician. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides a variety of investment and planning services through its extensive advisor network.

Todd Darling is a CFP® professional with 36 years of industry experience, currently serving at Ameriprise Financial Services, LLC since 2020. He previously worked at Ameriprise Financial Services, Inc. from 2016 to 2020. Darling holds board positions outside of his advisory role, including serving on the Hartwood Club Board of Trustees. 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-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Steven Finocchiaro is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 21 years of industry experience. He has worked with Cetera Wealth Services, LLC since 2013 and Winchester Financial since 2007. In addition to advisory services, he is involved as an insurance agent selling life, health, disability, annuities, and long-term care insurance. Cetera is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Douglas Beaudoin is a Wealth Management Advisor with Merrill Lynch Wealth Management. He holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation and Personal Investment Advisor (PIA) credential. Douglas earned an Associate's Degree from Manchester Community College and a Bachelor's Degree from Southern New Hampshire University. His professional approach focuses on building trust-based relationships through genuine connections and understanding clients' needs. His expertise includes risk management, financial planning, investments, tax management, insurance, estate planning considerations, and retirement savings and income planning. Douglas emphasizes simplifying complex financial concepts and guiding clients toward achieving their financial goals through sound strategies and education. Outside of his professional role, Douglas is a father of three and resides in Massachusetts. He enjoys spending time with his family, watching movies, and engaging in activities such as football, golfing, ice hockey, table tennis, and traveling.

Joseph Malarney is a financial advisor with Morgan Stanley in Middleton, MA, holding Series 63 and Series 65 licenses and having 40 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individuals and institutional clients, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process incorporating firm-approved tools and modeling techniques.

Jarred Miller is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill, he worked at Bank of America and has held various roles in education and local businesses. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Yekaterina Ferraro is a financial advisor with LPL Financial in Lexington, MA, holding Series 63 and Series 65 licenses and 14 years of industry experience. She previously worked at Citizens Securities Inc. and CITIZENS Bank from 2015 to 2019. Outside of her advisory role, she serves as a yoga instructor at Empower Yoga Studio and an instructor at North Shore YMCA. 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 institutions. The firm offers a range of financial planning and asset management services, utilizing a mix of model portfolios, third-party subadvisors, and customized strategies.

Nicholas Fazio is a financial advisor with LPL Financial in Woburn, MA, holding Series 63 and Series 65 credentials and 20 years of industry experience. He has been with LPL Financial since 2012. Outside of his advisory work, Fazio serves as a high school football coach for Winchester Public Schools and is a commissioned notary public in Massachusetts. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice delivered through a large network of investment adviser representatives using various investment approaches.

Henry Perazzelli is a CFP®-certified financial advisor with 13 years of industry experience, currently with Morgan Stanley. He previously worked at JP Morgan Securities LLC and JPMorgan Chase Bank NA for nine years. He serves as a board member of the Firehouse Center for the Arts in Newburyport, Massachusetts. Morgan Stanley Wealth Management offers a range of advisory programs and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools, combining advisory and investment management capabilities.

Emily Jann is a financial advisor at Morgan Stanley with eight years of industry experience. She holds the Series 66 designation and has been with Morgan Stanley since 2018, following previous roles at Newday USA and Morgan Stanley Services Group, Inc. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery conversations and utilizes firm-approved tools to model financial outcomes.

Andrew St Pierre is a financial advisor at Ameriprise with three years of industry experience. He holds a Series 66 designation and previously worked for Danvers Public Schools from 2014 to 2022. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets. The firm provides advisory, brokerage, and insurance solutions through a centralized consulting team that uses research and modeling to generate tailored, tax-efficient retirement recommendations.

Brian Mccarren is a CFP®-designated financial advisor with Ameriprise, based in Marblehead, MA, and has 22 years of industry experience. He has been with Ameriprise and its affiliated entities since 2012. Outside of his advisory role, he works as an independent contractor on alternative energy projects, focusing on project management, development, and financing. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, known for its specialized Premier Retirement Income service, which provides tailored retirement planning advice backed by investment research and algorithmic tools.

James Winn is a financial advisor with UBS Financial Services, holding a Series 66 designation and seven years of industry experience. He previously worked at Ernst & Young LLP for four years before joining UBS in 2018. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, using proprietary research and model-based asset allocations to tailor financial plans to clients’ goals and risk tolerances.

Anthony Christopher is a Planning Consultant at Fidelity Investments, where he partners with individuals and their families to develop and implement individualized financial plans. He focuses on building ongoing relationships with clients to understand their financial goals and provide confidence in their financial decisions. Anthony has experience in various roles at Fidelity Investments, including positions as an Investment Consultant, Financial Representative, High Net Worth Representative, and Customer Relationship Advocate. His career at Fidelity began in 2021 and has involved progressively responsible roles focused on client service and financial planning. In his personal time, Anthony engages in activities such as cooking and baking, football, golf, spending time at the lake, watching movies, and solving puzzles.