Joseph Cataldo is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. Prior to joining LPL Financial in 2024, he spent 16 years at Lincoln Financial Securities and has operated the Law Offices of Joseph Cataldo PC since 1997 as a licensed attorney and president handling tax preparation and accounting services. He is also a commissioned notary in Massachusetts. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with a range of investment strategies and operational tools.

Andrew Kirk is a CFP® with 22 years of industry experience and is currently affiliated with LPL Financial. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a network of over 22,800 advisors managing more than $819 billion in discretionary assets.

Sean Oliveira is a CFP®, CFA®, and holds a Series 66 license with 10 years of industry experience. He is currently with Cetera and has previously worked at JPMorgan Wealth Management and First Republic Investment Management. Oliveira is based in Reading, MA. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, overseeing over $256 billion in assets through a network of more than 10,000 advisors.

Ryan Arsenault is a Wealth Management Advisor with The Battaglia McCauley Group at Merrill Lynch Wealth Management. He began his career in financial services in 2013 and joined Merrill Lynch in 2019. Ryan provides investment and wealth management strategies tailored to entrepreneurs, corporate executives, retirees, and their families. His approach emphasizes clear communication, disciplined planning, and aligning investment decisions with clients' broader financial goals as their lives and priorities change. He collaborates regularly with clients' attorneys, accountants, and other trusted advisors to coordinate strategies effectively. Ryan holds a Bachelor's Degree from the University of New Hampshire and is a CERTIFIED FINANCIAL PLANNER® (CFP) certificant. He is also a Personal Investment Advisor (PIA) and participates in the UNH Alumni Boston Chapter. Outside of his professional work, Ryan is involved with the Greater Boston Food Bank and enjoys bowling, cooking, football, golfing, ice hockey, skiing, tennis, traveling, watching movies, and spending time with his family.

Mathew Silvagnoli Martinez is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. He previously worked at Bank of America, N.A. and LGA, LLP CPAs & Business. Outside of his advisory role, he works part-time as a bartender at Four Oaks Country Club. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts.

Daniel Heenan is a financial advisor with Ameriprise in Arlington, MA, holding a Series 63 designation and over 33 years of industry experience. He has been with Ameriprise and its predecessor entities since 2005. Outside of his advisory role, he has a business ownership unrelated to investment activities that is used solely to pay regular office bills. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendations and ongoing tax-aware retirement planning advice, using a centralized team that collaborates with individual advisors to support clients approaching or in retirement.

Alexander Martins is a financial advisor at LPL Financial with three years of industry experience. He holds the Series 66 designation and has worked previously at Salem Five Bank, Target, Giovanni's Pizza and Roast Beef, and Stop and Shop. Martins also manages a DBA business for his LPL practice named Salem Five Wealth Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Renee Senes is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. Her prior roles include positions at VOYA Financial Advisors, Investors Capital Corp., and Commonwealth Financial Network. She is a Certified Divorce Financial Analyst and teaches adult education courses on divorce planning and Social Security benefits. Senes has also co-authored books on financial issues related to divorce. 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 solutions, employing both proprietary and third-party strategies supported by advanced operational tools.

Jonathan Brown is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill since 2005 and holds the CERTIFIED FINANCIAL PLANNER® designation awarded by the Certified Financial Planner Board of Standards, Inc. Jonathan is also a qualified Portfolio Manager and holds FINRA Series 7 and 66 registrations, being fully registered in all 50 states. He was recognized on the Forbes "Best-In-State Wealth Advisors" list from 2021 through 2026 and was named to the "Best-in-State Wealth Management Teams" list in 2025 and 2026. Jonathan specializes in providing tailored financial guidance to high net worth individuals, families, business owners, senior executives, and charitable organizations. His expertise includes disciplined asset allocation, open architecture investment management, tax-efficient strategies, concentrated stock management, alternative investments, retirement cash flow planning, exit planning for business owners, and trust and estate planning. He develops personalized financial strategies to meet the unique needs and long-term goals of his clients. He earned a Bachelor's degree in Economics and International Finance from Brandeis University. Jonathan is active in his community, serving as a board member for the Middleton Youth Softball Association and volunteering with local youth softball and soccer organizations. He lives on the North Shore with his wife and two daughters.

William Kindle is a financial advisor at Edelman Financial Engines with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms including Homestead Advisers Corp., Windham Capital Management, and Wellesley Asset Management. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm offers a range of solutions including discretionary management and online advice, using a committee-driven modeling process combined with planner delivery and online tools.

Nicholas Bella is the Vice President, Financial Consultant at Fidelity Investments, a role he has held since 2025. He has been with Fidelity Investments since 2016, progressing through various positions including Financial Consultant, Investment Consultant, Relationship Manager, Investment Solutions Representative, Premium Relationship Associate, and Financial Representative - Full Trader. Throughout his tenure at Fidelity Investments, Nicholas has developed expertise in financial planning, investment strategy, and income planning tailored to meet the unique needs of clients and their families. He emphasizes advocacy, consistent communication, and clarity in working with clients to achieve their financial goals. No information regarding his education, credentials, personal interests, or community involvement was provided.

Katsiaryna Mosquera is a financial advisor at Merrill with five years of industry experience. She holds a Series 66 designation and has worked at both Merrill and Bank of America, N.A. since 2018. Prior to her advisory career, she was affiliated with the Russian Benevolent Society from 2013 to 2017. 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. The firm offers model-based and discretionary strategies for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Gina Gillespie is the Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2014. She collaborates with clients to understand their personal and professional objectives and helps them develop tailored investment plans. Gina aims to empower her clients through a clear and collaborative approach to financial strategy. Her career in financial services spans over a decade, beginning as a Senior Internal Wholesaler with John Hancock Distributors from 2006 to 2010. She then served as Regional Representative and DCIO Regional Representative for John Hancock Funds between 2010 and 2012. In 2012, she joined Fidelity Investments as an Account Executive before advancing to her current role.

Aaron Piscia is a CFP® with 14 years of industry experience, currently serving as a financial advisor at Ameriprise Financial Services. He has previously worked at Raymond James & Associates and has been with Ameriprise in various capacities since 2020. Outside of his advisory role, he is involved in real estate ownership unrelated to his investment practice. 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 tailored retirement income planning through written recommendations and ongoing advice, focusing on asset allocation, withdrawal strategies, and Social Security options.

Sean Farrell is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. He has worked at LPL Financial since 2022 and previously at Cuna Mutual Group and CUNA Brokerage Services, Inc. since 1994. Farrell is also involved with Align Credit Union in an investment-related role. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Heather Hersey is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and 20 years of industry experience. Her career includes roles at firms such as Fidelity Investments, Merrill, Citizens Securities, and M&T Bank. Outside of her advisory work, she operates a wellbeing coaching business focused on mindfulness and yoga. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services including financial planning and access to model portfolios and institutional platforms, supported by a large network of investment adviser representatives.

Jiles Robinson is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 designations and bringing 27 years of industry experience. His prior work includes roles at Bank of America and Merrill. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets and serving a diverse client base, including individuals, institutions, and municipalities. The firm offers a range of financial planning and consulting services, with a focus on non-discretionary advice supported by extensive research and multiple portfolio management styles.

Heather Scearce is a Financial Advisor with Merrill Lynch Wealth Management, where she has been creating personalized wealth strategies since 2022. She works closely with clients to understand their unique priorities and develop financial plans that address a range of goals, including retirement planning, socially responsible investing, and tax minimization. Heather provides ongoing advice and access to a wide range of financial services through Bank of America specialists. Prior to her career in financial advising, Heather owned and operated a Pilates and personal training studio, where she helped clients achieve their health and fitness objectives. She holds a Bachelor's Degree from the University of Washington and the Personal Investment Advisor (PIA) designation. Outside of her professional role, Heather enjoys boating, dancing, gardening, music, spending time with family, tennis, traveling, and yoga.

Jason Traino is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets Inc since 2008. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that uses proprietary tools and modeling techniques.

Carl Annese III is a financial advisor at Edelman Financial Engines with a Series 65 designation. He has been with Edelman Financial Engines since 2019 and previously worked at Siharum Advisors from 2015 to 2019. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub‑advisory services to other financial institutions, and supports a large participant base through both advisor-led and online offerings.