Richard Gaudreau is a financial advisor with Equitable Advisors, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Boston Financial Investment Management and employment at Westfield State University and Whalley Computer Associates. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and various third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to execute client recommendations.

John Mc Andrew is a Series 66-registered financial advisor with Edward Jones in Holyoke, MA, with 18 years of industry experience, including 19 years at Edward Jones. He serves as a board member for Day Brook Senior Living. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and affiliated investment products supported by a large network of financial advisors and branch offices nationwide.

Ted Dickinson is a financial advisor at Osaic Wealth, Inc. with 30 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Osaic Wealth since 2018. Prior to that, he was with Signator Investors and Wealth Technology Group, and he has been an independent insurance agent specializing in fixed insurance products since 1996. Dickinson is president of Dickinson Financial Group, Inc., which engages in securities sales, investment advisory, and insurance product marketing. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party managers, utilizing a range of asset-allocation tools and portfolio management strategies.

Joanne Saraiva is a Series 66-licensed financial advisor with Edward Jones in Northampton, MA, and has nine years of industry experience. Prior to joining Edward Jones in 2017, she worked at Sears for four years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Denise Govoni is a Financial Consultant currently working at Fidelity Investments since 2020. In this role, she assists individuals and families in managing financial complexities and developing actionable plans aligned with their goals through a collaborative and educational process. Prior to her current position, Denise served as a Wealth Management Advisor at TIAA from 2014 to 2020. Her experience includes guiding clients in building and preserving wealth while focusing on clarity and confidence throughout their financial journey. Outside of her professional work, Denise engages in activities such as biking, gardening, hiking, and spending time with family and pets.

Mark Vaclavicek is a financial advisor at Cambridge Investment Research Advisors with 41 years of industry experience. He holds Series 63 and Series 65 designations and has been with Cambridge since 2018. Outside of his advisory role, Vaclavicek serves on the boards of regional agricultural and civic organizations and is involved with a community-focused nonprofit foundation. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through independent financial professionals, utilizing a range of portfolio management strategies and platform options.

Matthew Ramon is a financial advisor at OSAIC with 10 years of industry experience. He holds Series 63, 65, and 66 licenses and has previously worked at Woodbury Financial Services and Questar Asset Management. In addition to his advisory role, he operates Ramon Financial Services as an independent licensed insurance broker, offering insurance products and advice to clients. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and nonprofits, providing integrated brokerage and advisory services. The firm utilizes asset-allocation tools, risk assessments, and automated rebalancing to manage portfolios across various asset classes and investment strategies.

Michael Otto is a financial advisor at Ameriprise with six years of industry experience. He holds a Series 66 designation and has previously worked at Ostberg & Associates Financial Services and Insurance, Eagle Strategies (NY Life), and Callaway Golf, among others. Outside of his advisory role, he is a co-owner of SRD Operations, LLC, where he manages an advisory business. Ameriprise is a large institutional firm that offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficient strategies to provide non-discretionary recommendations through a centralized consulting team, supported by algorithmic automation and oversight committees.

Matthew Mitchell is a financial advisor with Ameriprise in Chicopee, MA, holding a Series 66 designation and 15 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC, where he spent a combined eight years. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing tailored Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm employs a centralized consulting team and combines research, modeling, and tax analysis to deliver its retirement planning solutions.

Aimee Marden is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 14 years of industry experience. She has worked at LPL Financial since 2025 and has additional experience at UMassFive College Federal Credit Union and CUSO Financial Services. 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 of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management and providing access to model portfolios and research from various sources.

Robert Desnoyers is a CFP® professional with 25 years of industry experience, currently serving as a financial advisor at Edward Jones since 2008. He holds Series 63 and Series 66 licenses and is based in South Hadley, MA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, operating under a fiduciary standard and supported by a nationwide network of more than 23,700 financial advisors.

William Breault is a Series 66-licensed financial advisor with 10 years of industry experience. He is currently with Cambridge Investment Research Advisors and previously worked at Commonwealth Financial Network for 11 years. He serves as a volunteer committee member for the Town of Millbury. Cambridge Investment Research Advisors is a large SEC-registered firm that provides financial planning, investment management, retirement plan advisory, and financial-wellness services to a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers a range of investment strategies through multiple custody and platform arrangements and maintains proprietary and third-party model strategies.

Steven Lanier is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 designations and has 15 years of industry experience. His prior roles include positions at LPL Financial, Peoples Bank, and Webster Investments. Lanier also provides financial planning and investment advice to PeoplesBank customers through an affiliated advisory group. Raymond James Financial Services Advisors offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth investors, pension plans, charitable organizations, and government entities. The firm provides tailored, typically non-discretionary advisory services and maintains capabilities in municipal and public finance through its affiliated networks.

Richard Friese Jr. is a Series 66-licensed financial advisor with Edward Jones, where he has worked since 2006, totaling 19 years of industry experience. He is based in Amherst, MA. Outside of his advisory role, he coaches boys and girls soccer for the Western United Pioneers in Ludlow, MA. Edward Jones is a full-service wealth management firm serving both individual and institutional clients with a broad range of advisory programs and affiliated investment products, supported by a nationwide network of over 23,000 financial advisors.

Emi Lee Haryasz is a financial advisor with J.P. Morgan Securities and holds a Series 66 designation. She has three years of industry experience, including prior roles at LPL Financial LLC and CUSO Financial Services, LP. Outside of her advisory work, she owns and operates Paper Crane Reiki LLC, a Reiki energy healing business. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, employing a combination of quantitative asset-allocation modeling and centralized due diligence. The firm delivers non-discretionary services through Wealth Advisors, integrating an ESG eligibility framework in its investment recommendations.

Aaron Smith is a financial advisor with Cambridge Investment Research Advisors and holds Series 63 and Series 65 credentials. He has 16 years of industry experience, including prior roles at Massachusetts Mutual Life Insurance Company and Mass Mutual Investors Services. Outside of his advisory work, Smith serves as president of the Streetlight Financial Foundation, a nonprofit organization. Cambridge Investment Research Advisors is an SEC-registered firm serving a diverse client base that includes individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through independent Financial Professionals using a variety of portfolio management strategies and platform arrangements.

Michael Markiewicz is a financial advisor at Edward Jones with 10 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2016. He is also a limited partner in Edward Jones. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices across the country.

Jennifer Ewers is a financial advisor with Edward Jones in Northampton, MA, holding a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, she worked at Finck and Perras Insurance Agency for three years and Webber and Grinnell Insurance for seventeen years. She serves as a volunteer corporator for Greenfield Cooperative Bank and is a board member for Friends of Cooley Dickinson Hospital. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of over 23,700 financial advisors.

Christopher Huxley is a financial advisor with Edward Jones in Florence, MA, holding a Series 66 designation and 14 years of industry experience. Prior to joining Edward Jones in 2018, he worked at Bank of America and Merrill from 2012 to 2018. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Justin Osowiecki is a Certified Financial Planner® with 25 years of industry experience. He has been with Ameriprise since 2005, serving in various roles within the firm. His additional activities include providing client service and administrative support as an Associate Financial Advisor outside of investment-related duties. Ameriprise is a large institutional firm offering a range of advisory, brokerage, and insurance solutions. It provides a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets, using a combination of research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports.