Kevin Stoddard is a CFA® charterholder with 30 years of experience in the financial services industry. He has worked at LPL Financial since 2017 and previously spent ten years at National Planning Corporation. He is also the president and owner of Stoddard Financial, LLC, a business he has been involved with since 2004. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, and institutional platforms, supported by a network of investment adviser representatives.

Mary Ruch is a Wealth Management Advisor with Merrill Lynch Wealth Management. She holds the professional designation of Personal Investment Advisor (PIA). Mary earned her Bachelor's Degree from Williams College. Her role involves providing wealth management services to clients, leveraging her expertise as a Personal Investment Advisor.

William Thornley is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and possessing 25 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Edward Jones for seven years and has held roles at Commonwealth Financial Network, Financial Foundations, and New England Investment & Retirement Group, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a wide range of advisory and brokerage services through its extensive network of investment adviser representatives, utilizing various portfolio strategies and operational tools.

Diane Graca is a CFP® with 30 years of industry experience, currently serving as a financial advisor at OSAIC since 2018. She previously worked for 22 years at Signator Investors, Inc. and John Hancock Mutual Life Insurance Company. Diane is involved in insurance brokerage activities, including life and disability insurance, through several related roles. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of advisory and brokerage services with a model-based investment process focused on asset allocation and portfolio optimization.

Sean Sullivan is a Financial Consultant currently working at Fidelity Investments, a position he has held since 2022. In this role, he collaborates with individuals and families to assist them in making informed financial decisions and achieving their financial objectives through personalized planning and ongoing guidance. Sean has extensive experience in the financial services industry, having served in various roles including Vice President and Regional Account Executive at Fidelity Investments from 2016 to 2022, Senior Regional Retirement Consultant from 2013 to 2016, and Senior Regional Investment Consultant from 2011 to 2013. Prior to his tenure at Fidelity, he worked as a Regional Sales Representative for MFS Investment Management between 2010 and 2011, and as a Financial Advisor at Morgan Stanley Smith Barney from 2007 to 2010.

Marcella Santos is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Her prior roles include positions at Ameriprise and Merrill Lynch, Bank of America. Outside of finance, she worked as a fitness instructor at Bentley University. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, using a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Dominic Collamati is a financial advisor at Fidelity with 24 years of industry experience. He holds Series 63 and Series 66 credentials and has been associated with various Fidelity entities since 2001. Outside of his advisory role, he serves as a director supporting student athletes at Xavier University. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction, including oversight of model portfolios and fund advisory services.

Nora Yousif is a CFP® with 15 years of experience, currently serving with RBC Capital Markets and City National Bank. She has been with RBC Capital Markets since 2011 and with City National Bank since 2019. Outside of her advisory role, she serves on the boards of several nonprofit organizations focused on community support and legal aid for low-income women. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers tailored investment advisory programs that combine in-house and third-party managers, with options for discretionary portfolio management, tax management, and responsible investing.

Joel Agus is a financial advisor at Raymond James Financial with 27 years of industry experience. He holds a Series 66 designation and previously worked for Commonwealth Financial Network for 19 years. Agus is also president of Highland Capital, a non-investment-related support company that he manages alongside his advisory work. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm provides tailored, non-discretionary planning and consulting supported by analytical tools and maintains institutional consulting and portfolio management within a large advisor network.

Stephen Benevento is a CFP® and holds a Series 66 license, currently serving as a financial advisor at Equitable Advisors with 25 years of industry experience. He previously worked at LPL Financial for 13 years and American Portfolios Advisors, Inc. for one year. Outside of his advisory role, he is associated with The Ronald M & Beverlie Benevento Revocable Trust. Equitable Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and various asset management programs. The firm employs a range of advisory models, many implemented by third-party managers, and provides ERISA fiduciary services through credentialed representatives.

Christopher Dandeneau is a financial advisor with LPL Enterprise, holding a Series 66 designation and six years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, and Prudential Advisors. He also spent time with the Pittsburgh Pirates and the University of Connecticut. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm primarily uses model-driven investment implementation and offers financial planning, access to third-party asset managers, and participation in wrap programs.

Jonathan Eng is a financial advisor at Merrill with eight years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2017 and Bank of America since 2018. Prior to that, he was employed at North Country Savings Bank from 2010 to 2017. Outside of his advisory role, Eng serves as a committee member on the City of Quincy Bicycle Commission and the Boston Chinatown Neighborhood Center. 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 institutional investors.

Ezekiel Okai is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and four years of industry experience. His prior roles include positions at Bank of America and various entrepreneurial ventures such as Monamipets and Gearupfortheelections. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary advisory framework.

Alina Okulovska is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Her prior work includes roles at Bank of America, Ukrainian Construction Investment Bank, PINbank, and Sberbank. Merrill, along 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 to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Patrick Mcauliffe is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career with Merrill Lynch in 2003 as an intern and joined the Fahey/O'Brien Group in 2004, where he contributed to establishing client relationships and maintaining service standards. His daily work focuses on relationship management, performance reporting, and goals-based wealth management planning. Patrick holds a Bachelor of Science in Finance and a Master of Science in Financial Planning, both from Bentley College. He has earned the Chartered Retirement Planning Counselor™ and Certified Plan Fiduciary Advisor® designations, as well as credentials as a Personal Investment Advisor and Retirement Benefits Consultant. His client focus areas include college education planning, managing new wealth, personal retirement planning, portfolio management, socially responsible and values-based investing, individual and corporate investment strategies, tax minimization, and retirement income. Outside of his professional role, Patrick resides in Hanson, Massachusetts, with his wife Christine and their sons Christian and Miles. He has been involved with NVNA & Hospice as a member of its Board of Directors from 2013 to 2015. His personal interests include photography, spending time with his family, and traveling.

Michael Gillette is a financial advisor with Fidelity, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. His tenure includes roles at Fidelity Brokerage Services, Fidelity Personal and Workplace Advisors, and Fidelity Investments. He is part of Strategic Advisers LLC, a Fidelity Investments company that offers investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Guillermo Alberto is a CFP® credentialed financial advisor with 19 years of industry experience. He is currently with LPL Financial and has previously worked at Mass Mutual Investors Services, Mass Mutual Life Insurance Company, and MetLife Securities. Guillermo also holds a Series 66 license and is involved in a non-variable insurance business outside of his advisory role. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm provides a wide range of advisory and brokerage services through a network of investment adviser representatives, offering financial planning, model portfolios, third-party asset management, and institutional platforms.

Anthony Psikarakis is a financial advisor with Ameriprise in Needham, MA, holding a Series 63 designation and 27 years of industry experience. He previously worked at American Express Financial Advisors Inc. for 22 years before joining Ameriprise in 2020. Ameriprise offers a retirement-income planning service targeted at individuals with significant investable assets, providing detailed, non-discretionary recommendation reports that incorporate research, modeling, and tax-efficiency analysis. The firm delivers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Adam Ladd is a financial advisor with Ameriprise in Canton, MA, holding a Series 66 designation and 17 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2008. Ameriprise offers a retirement-income planning service designed for clients approaching or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary advice through a centralized consulting team.

Elizabeth Garabedian is a Senior Financial Advisor with Merrill Lynch Wealth Management. She specializes in designing customized wealth management plans that extend beyond investments to address clients’ unique priorities. Elizabeth collaborates closely with clients to develop goal-based financial strategies, regularly reviewing and adjusting plans to align with their evolving needs and comfort levels. With over 31 years of experience in financial advice and wealth management, Elizabeth focuses on family wealth management strategies, legacy planning, personal retirement planning, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. She works alongside tax and legal advisors to ensure comprehensive and coordinated financial strategies. Elizabeth holds a High School Diploma from Old Rochester Regional High School, an Associate's Degree from Katherine Gibbs School, a Bachelor’s Degree from Mount Ida College, and a Master’s Degree from Suffolk University. She is also a Personal Investment Advisor (PIA). Elizabeth resides in Scituate, Massachusetts with her husband and daughter. Her personal interests include gardening, reading, running, sewing, skiing, tennis, and spending time with her family.