Pharoah Neves is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2008. He has been with Fidelity Investments since 1992, progressing through roles from Customer Service Representative to Financial Consultant and Investment Consultant. Throughout his career, Mr. Neves focuses on comprehensive client profiling and understanding the full financial and family situation to develop plans aimed at achieving financial success, prosperity, stability, and peace of mind for clients and their families. His extensive experience at Fidelity Investments spans over three decades, covering various facets of financial consulting and investment services.

Jay Sylva is a financial advisor with Cetera in Arlington, MA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked with Cetera and its affiliates since 2021 and was previously with VOYA Financial Advisors for seven years. In addition to his advisory role, Sylva operates as an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts through a nationwide network of independent advisors. The firm offers a variety of portfolio management options and financial planning services, with access to multiple program structures and third-party managers.

Dylan Carrafiello is a Financial Advisor with Merrill Lynch Wealth Management. He works with clients seeking clearer direction and less stress in their financial decisions, providing a partnership that simplifies complex financial matters. His areas of expertise include navigating equity compensation, consolidating retirement plans, and building diversified investment strategies. Dylan holds a Bachelor's Degree and a Master of Business Administration (MBA) from Quinnipiac University. He has earned professional designations as a Personal Investment Advisor (PIA) and as a Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). His approach focuses on creating personalized investment strategies aligned with clients' goals and values. He emphasizes building real relationships rather than transactions, offering guidance on managing wealth, reducing tax drag, and developing intentional financial plans. Dylan provides access to Bank of America for banking and lending needs, complementing his investment advisory services.

Amara Mohan is a financial advisor at Ameriprise with two years of industry experience. Prior to joining Ameriprise, Mohan worked in various roles at Seakay Construction Corp, Miami Perfume Junction, Stone Medical Group, and Nova Southeastern University. Mohan holds a Series 66 designation. 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 annual retirement-income planning advice focused on income sources and tax-aware withdrawal strategies.

Mark Chmiel is a financial advisor with J.P. Morgan Securities who holds Series 66 and Series 63 licenses and has four years of industry experience. His background includes roles at JPMorgan Chase Bank, Santander Securities, Santander Bank, and Travelex Currency Services. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Paul Landry is a financial advisor with LPL Financial based in Lowell, MA, holding Series 63 and Series 65 licenses and having 26 years of industry experience. His previous roles include nearly two decades at Mlm Financial Group and Commonwealth Financial Network. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Kristian Coffey is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and over 22 years of industry experience. His career includes roles at Cetera Advisors LLC since 2016 and Investors Capital Corp. from 2009 to 2016. He is also a co-owner of Legacy Wealth Management. Cetera Investment Advisers LLC serves a broad client base including 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 a variety of investment strategies and third-party managers.

John Nolan IV is a CFP® professional with eight years of experience in financial advising. He has worked at Raymond James Financial Services Advisors Inc. and Raymond James Financial Services Inc. since 2026, following prior roles at Commonwealth Financial Network, University of Massachusetts Lowell, Edward Jones, and Doyon's Modern Home. Nolan is also involved with Sammons as a non-variable insurance agent. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm utilizes tailored, non-discretionary planning and analytical tools to help clients achieve their goals and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

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 license and 35 years of industry experience. He has worked at LPL Financial since 2004 and has been associated with Bay Financial Advisors, Inc. and Crosspoint Financial Advisors during his career. Lefebvre is a half owner of Crosspoint Financial Advisors, where he has managerial duties in addition to his advisory role. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers diversified advisory programs, financial planning, and consulting services, leveraging both proprietary and third-party research and model portfolios.

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.

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.

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 is a CERTIFIED FINANCIAL PLANNER® professional and Personal Investment Advisor (PIA), providing guidance in areas such as risk management, financial planning, investments, taxes, insurance, estate planning, and retirement savings and income planning. His approach is consultative and client-focused, emphasizing genuine personal connections and clear communication without industry jargon. Douglas holds an Associate's Degree from Manchester Community College and a Bachelor's Degree from Southern New Hampshire University. He has lived in multiple states, including Florida, North Carolina, New Hampshire, and California, before settling in Massachusetts. Outside of his professional life, Douglas enjoys spending time with his family, which includes three children, and pursues interests such as football, golfing, ice hockey, table tennis, traveling, and watching movies.

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 with Citizens Securities Inc. and CITIZENS Bank. Outside her advisory role, she teaches at North Shore YMCA and works at Empower Yoga Studio. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and brokerage services, providing both discretionary and non-discretionary management with access to model portfolios, third-party research, and various investment strategies.

Nicholas Fazio is a financial advisor with LPL Financial, 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 role, he serves as a high school football coach for Winchester Public Schools and is a notary public in Massachusetts. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by model portfolios and third-party research.

Vourdanne Ignegongba is a Planning Consultant at Fidelity Investments, a role held since 2024. Prior to this, Vourdanne served as a Workplace Planning Consultant at Fidelity Investments from 2022 to 2024. As a CFP® professional, Vourdanne partners with high net worth clients, families, and business owners to build comprehensive financial plans and assist them through significant life events. Vourdanne's areas of expertise include retirement planning, risk mitigation, legacy planning considerations, tax efficient investing, and investment strategy. Vourdanne prioritizes clients' confidence and well-being, ensuring that each client receives attentive and personalized service.

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.

Jonathan Britton is a financial advisor at Osaic Wealth, Inc. with 13 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Jhfn Sii from 2013 to 2018. Outside of advising, Britton is involved in health insurance brokerage and consulting for employee benefits with nonprofit organizations. Osaic Wealth, Inc. serves a broad range of retail and institutional clients, offering integrated brokerage and advisory services through an extensive network of affiliated advisers. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to construct diversified portfolios, and supports multiple advisory platforms alongside third-party money managers and wrap programs.

Scot Reynolds is a financial advisor at Osaic with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Osaic since 2018, previously spending 11 years at Sii. Reynolds is also a partner at Boston Partners Wealth Management, LLC, an affiliated insurance brokerage. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and multiple platforms to offer portfolios that include stocks, bonds, options, mutual funds, ETFs, and alternative investments.