Nelson Willard is a financial advisor at Commonwealth Financial Network with 12 years of industry experience. He holds the Series 66 designation and has been with Commonwealth since 2016. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and hundreds of thousands of individual and institutional clients, managing roughly $212.7 billion in assets. The firm offers a comprehensive adviser-support platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Mark Fraser is a financial advisor at TIAA-CREF with 33 years of industry experience. He holds Series 63 and Series 65 credentials and has been with TIAA-CREF since 2012. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm offers both point-in-time financial planning and ongoing portfolio management using model or customized portfolios under a fiduciary standard within a vertically integrated structure.

Spencer Betts is a CFP® with 25 years of industry experience, currently serving as a financial advisor at Hightower Advisors since 2023. His prior experience includes roles at Purshe Kaplan Sterling Investments, Dietz & Lynch Capital, Bickling Financial Services, Inc., and LPL Financial. He is a partial owner and Chief Compliance Officer of Bickling Financial Services, Inc., which manages client advisory agreements. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individuals, institutions, pension plans, and charitable organizations. The firm emphasizes manager selection and multi-manager solutions, offering both affiliated and third-party manager programs alongside discretionary and non-discretionary portfolio management.

Mathew Smith is a financial advisor with Valic Financial Advisors in Winooski, VT, holding Series 63 and Series 65 licenses and eight years of industry experience. He has worked at Valic Financial Advisors since 2017 and has prior experience with Uber and Barcelona Wine Bar. Outside of his advisory role, he serves as a board member and treasurer for Fellowship of the Wheel, a nonprofit organization that builds and maintains mountain bike trails in Chittenden County, Vermont. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth clients, and offers discretionary managed-account programs, financial planning, and brokerage services. The firm employs model-based portfolio construction with Envestnet as sub-adviser and overlay manager and supports a large client base through its extensive advisor network.

Renee Lebaron is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and eight years of industry experience. She has been with Commonwealth since 2015. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and services, including discretionary model portfolios managed by its Investment Management and Research team, and supports affiliated advisors with operations, trading, technology, compliance, and practice management.

Shaw Wen Yang is a financial advisor with Transamerica Financial Advisors, holding Series 65 and Series 63 licenses and 9 years of industry experience. He has been with Transamerica Financial Advisors since 2016 and concurrently associated with World Financial Group since 2015. In addition to his advisory role, he engages in sales of insurance products affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and charitable organizations. The firm offers both advisory and broker-dealer services, utilizing proprietary and third-party managed portfolios with options for discretionary and non-discretionary management.

Abbey Henderson is a CFP® with 24 years of industry experience, currently serving as an advisor at NewEdge Advisors. She has previously worked with Abaris Financial Group LLC and CWM, LLC. Outside of her advisory role, she owns Abbey Henderson LLC, a life coaching business, and serves as a committee member for the Community Foundation for MetroWest Professional Advisors Leadership Council. NewEdge Advisors is an enterprise-scale registered investment adviser that serves individuals, pension plans, corporations, trusts, and charitable organizations through a network of independent adviser representatives. The firm offers a range of portfolio management and consulting services and utilizes technology and centralized manager oversight to support advisors and clients.

Arthur Arsenault is a financial advisor at Integrated Wealth Concepts LLC with 10 years of industry experience. He holds a Series 66 designation and has worked at LPL Financial and Lincoln Financial Advisors. Arsenault is also a CPA and serves as treasurer on the board of the Historical Building Association and Museum in Chelsea, MA. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent financial advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services, employing a long-term investment approach with customized portfolios constructed from mutual funds, ETFs, equities, and fixed income.

Michael Elcock Sr. is a financial advisor with Primerica Advisors in Needham, MA, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has been with Primerica Advisors since 1999 and has a longstanding background in the insurance industry, including roles at Guardian Life Insurance Company of America and Phoenix Mutual Life Insurance Company. He serves as Vice Chair for the National PAC Committee of NAIFA, a political action committee raising funds through state NAIFA leadership. Primerica Advisors operates as part of Park Avenue Securities LLC, serving a broad retail client base with brokerage and advisory services, including financial and retirement planning. The firm offers a variety of investment programs and platforms, managing accounts through proprietary and third-party portfolios with discretionary and non-discretionary options.

Susan Levi is a financial advisor with Commonwealth Financial Network, holding a Series 63 designation and bringing 18 years of industry experience. She has previously worked at Avantax Advisory Services and Cetera Wealth Services, among other firms. Outside of her advisory role, she serves as Executive Director of The Alliance for Infants and Toddlers, an early intervention service coordination agency. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that serves a national network of approximately 2,900 advisors and manages over $200 billion in client assets. The firm provides a broad adviser-support platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Margaret Welborn is a financial advisor at Focus Partners Wealth, LLC with 14 years of industry experience. She holds a Series 66 designation and has previously worked at The Colony Group, LLC and GW & Wade, LLC. Welborn serves on the investment committee of Gaining Ground, a nonprofit organic farm endowment. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, families, institutions, and businesses. The firm employs a long-term investment approach that combines active and passive strategies within an enhanced open architecture framework.

Frank Censullo is a financial advisor at Hightower Advisors with 23 years of industry experience. He holds the Series 66 designation and has worked at Hightower Advisors since 2019, following a seven-year tenure at Lexington Wealth Management. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individual and institutional investors such as pension and profit-sharing plans, charitable organizations, corporations, and trusts. The firm emphasizes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers, and offers a range of portfolio management and financial planning services.

Owen Flanagan is a financial advisor at Commonwealth Financial Network with 11 years of industry experience. He holds the Series 66 designation and previously worked at MFS Fund Distributors, Inc. for seven years before joining Commonwealth in 2023. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 affiliated advisors. The firm provides a broad platform including managed-account programs, access to third-party asset managers, retirement and plan consulting, and custody services, managing roughly $212.7 billion in client assets.

Shane Coen is a financial advisor at Guardian Life with Series 66 credentials and one year of industry experience. His work history includes roles at Park Avenue Securities, Guardian Life Insurance Company, and O'Brien Wealth Partners, among others. He has also been involved with Northeastern University and The Kittansett Club. Park Avenue Securities LLC, doing business as Park Avenue® Wealth Management, is a wholly owned subsidiary of The Guardian Life Insurance Company of America. The firm serves individuals, pension and profit-sharing plans, charitable organizations, and corporate clients, offering brokerage services, financial planning, retirement plan consulting, and a variety of investment advisory programs.

Laurie Ingwersen is a CFP® with 26 years of industry experience. She is currently affiliated with Allworth Financial, L.P. and AW Securities since 2023. Prior to that, she worked at Purshe Kaplan Sterling Investments, Inc. and The Harvest Group Wealth Management, LLC from 2016 to 2023. Allworth Financial is a fee-based SEC-registered advisor serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm employs customized portfolio strategies including core-satellite, indexed, and options-based overlays, and utilizes third-party sub-advisers and technology solutions to manage diverse client assets.

Elizabeth Malgari is a CFP® professional with five years of industry experience. She is currently affiliated with NewEdge Advisors, where she has worked since 2021, and previously spent several years at Abaris Financial Group. Outside of her advisory role, she is the owner of E. Malgari LLC, a self-directed IRA. NewEdge Advisors is an enterprise-scale registered investment adviser serving a wide range of clients, including individuals, pension and profit-sharing plans, and charitable organizations. The firm offers diverse portfolio management and consulting services through a network of independent representatives and employs technology-driven solutions alongside centralized due diligence and manager oversight.

Robert Bodio Jr. is a financial advisor at Focus Partners Wealth, LLC with 28 years of industry experience. He holds a Series 66 designation and previously worked at G.W. & Wade, Inc. and G.W. & Wade Asset Management Company, Inc. from 1996 to 2024 before joining The Colony Group, LLC. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, families, family offices, retirement plans, institutions, and businesses. The firm employs a long-term investment approach that combines active and passive strategies within an enhanced open architecture framework.

Kristina Patt is a financial advisor with First Command Advisory Services, holding a Series 66 designation and eight years of industry experience. She has been with First Command in various affiliated entities since 2017. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs featuring model portfolios managed by a centralized Investment Management Team.

Alison Wilcox is a financial advisor with Commonwealth Financial Network in Burlington, MA. She holds Series 66 and Series 63 licenses and has five years of industry experience. Prior to joining Commonwealth, she worked at Axial Financial Group and Doble LeBranti Financial Group. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of nearly 2,900 advisors and hundreds of thousands of clients. The firm offers a broad support platform including managed-account programs, access to third-party asset managers, retirement consulting, and custodial services.

Evan Pappazisis is a financial advisor at Commonwealth Financial Network with seven years of industry experience. He holds the Series 66 designation and has been with Commonwealth since 2017, following two years at National Regulatory Services. Commonwealth Financial Network serves a national network of approximately 2,950 advisors, providing a range of advisory programs and services including wealth management, retirement plan consulting, and access to third-party asset managers. The firm supports affiliated advisors with operations, trading, technology, compliance, and practice-management resources while offering a variety of discretionary model portfolios and program structures.