Jason Tholander is a financial advisor with Raymond James Financial, holding a Series 66 license and 25 years of industry experience. He has been with Raymond James Financial Services Advisors since 2016. Outside of his advisory role, he manages a property used as a branch office and is involved in supporting related business activities. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique municipal advisor affiliation.

Daniel Cook is a CFA® charterholder and Series 63 licensee affiliated with Edward Jones. He has three years of industry experience, previously working nine years at Wellington Management before joining Edward Jones in 2022. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including a wide range of households, pension plans, and corporate and charitable organizations. The firm manages over $1 trillion in assets and offers various advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and proprietary mutual funds, operating under a fiduciary standard.

Ken Ludy is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2020. He has been with Fidelity Investments since 2001, progressing through various positions including Investment Consultant, Branch Service Manager, and Retirement Solutions Manager. Prior to joining Fidelity, Ken worked as a Financial Advisor at Morgan Stanley Dean Witter from 2000 to 2001. With over 24 years of experience in the financial services industry, Ken collaborates closely with families to develop personalized financial plans tailored to their unique needs at different stages of life. His approach emphasizes understanding clients as individuals and investors to help them work toward their financial goals. Outside of his professional career, Ken is interested in golf, parenthood, and skiing.

Lynette Forder is a financial advisor at Morgan Stanley in Worcester, MA, holding a Series 66 designation with three years of industry experience. Her prior work includes roles at Grafton Schools and Hordern Wealth Management, as well as periods focused on homemaking and extended travel. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and investment research.

Dana Gilpatrick is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and 19 years of industry experience. She has worked with Cambridge since 2013 and was previously employed by Fidelity from 2008 to 2013. Outside of her advisory role, Dana operates a tax preparation and filing business. Cambridge Investment Research Advisors serves a diverse range of individual and institutional clients, including pension and charitable organizations, providing financial planning, investment management, and retirement-plan advisory services. The firm offers both discretionary and non-discretionary management through various platforms and proprietary model strategies.

Alexander Hamboyan is a Financial Advisor at Merrill Lynch Wealth Management with over 10 years of experience in banking, financial services, and financial advising. He has a background in Wealth Management and has held roles at Bank of America/Merrill, State Street Corporation, Brown Brothers Harriman, and a FinTech startup. He applies analytical and problem-solving skills to provide holistic financial advice that emphasizes cash flow analysis and tax efficiency through prudent investment selection in both taxable and retirement assets. Alexander focuses on retirement planning for individuals and families near or in retirement, especially those in the biotech, pharmaceutical, and scientific fields. He also provides guidance for younger individuals and families on college planning, tax-efficient investment strategies such as concentrated stock positions, employee stock options, executive compensation benefits, and customized goal-based financial planning. He works with clients to understand their risk tolerance, time horizon, and investment objectives to help them achieve their financial goals. Alexander holds the FINRA Series 7 and 66 registrations, Massachusetts Life, Accident, Health, and Sickness Insurance Licenses, and the Chartered Retirement Planning Counselor™ (CRPC™) and Accredited Wealth Management Advisor™ (AWMA™) designations. He earned his Bachelor's Degree from the University of Massachusetts Amherst and is affiliated with the College For Financial Planning. Outside of work, he enjoys golfing, skiing, hiking, fishing, traveling, and spending time with his wife Claudia, daughter Evelyn, and family and friends in Massachusetts, Maine, and across New England.

Jason Port is a financial advisor at Fidelity with Series 63, 65, and 66 licenses and four years of industry experience. His career includes roles at several law firms and financial institutions, such as Mirick O'Connell LLP, Bank of America (U.S. Trust), and Fidelity Personal Trust Company. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a wide range of clients, including retail and institutional investors. The firm utilizes a proprietary investment process combining fundamental research, quantitative analysis, and algorithmic portfolio construction, with a focus on model portfolios composed of mutual funds, ETFs, and ETPs.

Matthew Mina is a financial advisor with Ameriprise in Sterling, MA, holding a Series 66 designation and six years of industry experience. His career includes roles at Ameriprise Financial Services, Helen of Troy, and SMC Scientific Molding Company. Ameriprise offers a retirement-income planning service focused on individuals near or in retirement with substantial investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with automated recommendation generation overseen by a specialized team and emphasizes the use of affiliated funds in its product offerings.

Jonathan Albano is a financial advisor at Cetera with 25 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 65 licenses. Since 2013, he has been affiliated with Cetera ADVISORS LLC and currently serves as a co-trustee for several client trusts. Cetera Investment Advisers LLC is an SEC-registered firm 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.

Lee Schmertzler is a financial advisor with Cambridge Investment Research Advisors, Inc. He holds Series 63 and Series 65 credentials and has 26 years of industry experience. Prior to joining Cambridge in 2022, he worked at Pinnacle Pension Consultants LLC and M Holdings Securities, Inc. in roles spanning retirement plan consulting and securities. Schmertzler is also an independent insurance agent representing various insurance companies. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports discretionary and non-discretionary management through multiple platforms and proprietary model strategies under the Founders Gate Capital brand.

Howard Goldstein is a financial advisor with Cetera, holding Series 63 and Series 65 designations and 27 years of industry experience. He has worked at Cetera since 1999 and has prior experience in accounting, including ownership of an accounting office in Framingham, MA. His background also includes roles at the U.S. Department of Defense and various accounting firms. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers portfolio management, financial planning, and access to multiple investment program platforms, supporting a multi-manager approach with over $256 billion in assets under management.

Phillip Wong is a financial advisor with OSAIC, holding Series 63 and Series 66 credentials and 31 years of industry experience. He has been with OSAIC since 2013. Outside of his advisory role, he owns Boston Wealth Management, an LLC that provides life, disability, long-term care, annuity, and property/casualty insurance to clients. OSAIC Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, charities, and corporate clients. The firm offers a variety of brokerage and advisory services with an investment approach that emphasizes model-based asset allocation, portfolio optimization, and a broad selection of discretionary and third-party managed strategies.

Christopher Campbell is a financial advisor at Cetera with 22 years of industry experience and holds a Series 66 designation. His prior work includes roles at Voya Financial Advisors and Mariner. Outside his advisory work, he serves as treasurer for the F Factor Golf League, a nonprofit organization. Cetera Investment Advisers LLC serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, operating a multi-manager platform with discretionary and non-discretionary options.

Scott Maccausland is a financial advisor with LPL Financial in Westborough, MA, holding Series 63 and Series 65 licenses and 29 years of industry experience. He has been with LPL Financial (formerly LINSCO/Private Ledger Corp.) since 1997. Outside of his advisory role, he is involved in independent insurance sales focusing on long-term care insurance and fixed annuities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, including model portfolios and third-party asset management, supported by advanced research and operational tools.

Kailey White is a Planning Consultant at Fidelity Investments, where she collaborates with Financial Consultants and the wealth management team to support clients' comprehensive financial planning needs. She partners with clients to understand their priorities, align their goals and values, and ensure their financial plans reflect what matters most to them. Kailey has been with Fidelity Investments since 2018. She began her career as a Financial Representative and progressed to the role of Relationship Manager before becoming a Planning Consultant in 2023.

Larry Xhama is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds a Series 66 designation and has previously worked at UBS Financial Services and Merrill. Outside of his advisory role, he is a stakeholder in OutsideIn Entertainment LLC, an entertainment business in which he holds no operational responsibilities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory process employs centralized due diligence combining quantitative and qualitative research, offering non-discretionary, customized asset allocation advice and investment manager searches.

Michael Abramo is a financial advisor at LPL Enterprise with four years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Natixis Distribution, Morgan Stanley, Fidelity Investments, and Eastern Trust Wealth Management. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, insurance products, and affiliated trust services.

John Maher is a CFA® charterholder with over 31 years of industry experience. He has been with Cetera and its affiliated entities since 2013. Outside of his advisory role, he is a co-owner of a vacation rental property in Snowmass, Colorado. Cetera Investment Advisers LLC is a large SEC-registered multi-manager platform that serves a broad range of clients including individuals, retirement plans, and institutional accounts, offering both discretionary and non-discretionary portfolio management and access to third-party money managers.

Paul Bruchez is a financial advisor with LPL Financial, holding a Series 66 designation and 25 years of industry experience. He has been with Linsco/Private Ledger Corp. since 2004 and operates under the DBA Bruchez & Associates in Wellesley Hills, MA. 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 financial planning and portfolio management services, utilizing a network of advisors supported by research, technology tools, and diverse investment strategies.

Michael Fratto is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2019. He has been with Fidelity Investments since 2005, serving in various positions including Financial Consultant, Investments Representative, and Financial Representative. Prior to joining Fidelity, he worked at Smith Barney from 2000 to 2004, where he held the roles of Sales Assistant and Financial Consultant. Michael supports his clients in pursuing their financial goals through a process of planning, implementation, and ongoing monitoring. He holds a California Insurance License. Outside of his professional work, Michael enjoys family activities, football, and traveling.