Nick Perfido is a Planning Consultant at Fidelity Investments, where he collaborates with Financial Consultants and Wealth Planners to provide comprehensive financial planning services. His role involves using his knowledge of financial planning concepts to help clients build effective financial plans for themselves and their families. Nick has experience as a Financial Advisor at Merrill Lynch from 2020 to 2022 and previously worked as a Financial Representative at Fidelity Investments from 2015 to 2016. This background supports his work in financial planning and client advocacy. Outside of his professional responsibilities, Nick has interests that include biking, fitness, golf, music, and skiing.

Brian Yurovich is a CFP® and Series 66-licensed financial advisor with Edward Jones in Lexington, MA, where he has worked since 2014. He has 11 years of industry experience and also serves in the United States Coast Guard. Edward Jones is a wealth management firm serving over four million individual and institutional clients, offering a range of investment advisory programs and strategies supported by a nationwide network of more than 23,000 financial advisors. The firm provides both discretionary and non-discretionary solutions, tax-efficient services, and maintains affiliated capabilities including a trust company and proprietary mutual funds.

Michael Bozzi is a Financial Consultant currently working at Fidelity Investments since 2022. He has held financial advisory roles at several firms, including Morgan Stanley as Vice President - Financial Advisor from 2020 to 2021 and Vice President - Business Development Manager from 2018 to 2020. Prior to that, he was a Wealth Management Advisor at TIAA from 2014 to 2018 and worked as a Private Wealth Associate with The Sharma Group at Merrill Lynch - Private Wealth Management from 2004 to 2014. Michael focuses on partnering with clients to understand their short- and long-term goals and helps design and execute customized financial plans tailored to their unique needs. He places importance on forming strong relationships with clients and their families, maintaining trust, reliability, and competency throughout his practice. Outside of his professional work, Michael has personal interests in bowling, family activities, museums, parenthood, and pets.

Joshua Franklin is a financial advisor with Raymond James & Associates who holds a Series 66 designation and has 10 years of industry experience. His prior roles include positions at Bank of America, N.A., and Merrill. He is also involved with David's World Famous, a business outside the financial industry. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional and pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Barry Debany is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and over 34 years of industry experience. He has worked with Cetera and its affiliated entities since 2013 and owns Debany Financial Group, LLC, which provides financial services. Outside of finance, he is the executive producer of a musical performance scheduled for Carnegie Hall in 2027. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of investment advisory services through a multi-manager platform, including discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Daniel Crowley is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 42 years of industry experience. He has worked at Cetera and its affiliates since 2016 and previously at Investors Capital Corp. from 2003 to 2016. Outside of advising, he also works as an operations associate at Home Depot and sells life insurance and annuities as an insurance agent. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with various program options and custodial relationships.

Eric Hobin is a financial advisor with Raymond James & Associates in Burlington, MA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His prior roles include positions at Bank of America, Merrill, and Banc of America Investment Services. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

Matthew Kirschner is a financial advisor with Edward Jones in Ipswich, MA, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He previously worked at Guggenheim Securities, LLC for five years before joining Edward Jones in 2020. Outside of his advisory role, he manages rental property in Lincoln, NH. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including a broad range of households, pension plans, corporate clients, and charitable organizations. The firm offers various advisory programs, including discretionary and non-discretionary wrap fee strategies, and manages approximately $1.01 trillion in assets with a nationwide network of financial advisors and branch offices.

Sara Scalisi is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 38 years of industry experience. She previously worked at Morgan Stanley Smith Barney for 13 years before joining Wells Fargo Clearing in 2022. Outside of her advisory role, she is a notary public in the state of Massachusetts. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Gerald D'Apice is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2022. He works with individuals and families to develop personalized financial plans that address long-term risks and adapt to changing market conditions, aiming to align clients' portfolios with their personal financial goals. Gerald has been with Fidelity Investments since 2013 in various roles including Financial Consultant, Investment Consultant, Relationship Manager, and Financial Representative. Prior to that, he worked as a Client Services Representative at Empower from 2011 to 2013.

Tatyana Karayeva is a CFP®-certified financial advisor with 19 years of industry experience. She is currently with Mass Mutual Investors Services and MassMutual Life Insurance Co. Her prior experience includes roles at Morgan Stanley, Ameriprise, and various wealth management firms. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides comprehensive financial planning, asset management, and educational seminars, emphasizing collaborative, annual planning relationships.

Andrew Kirk is a CFP® professional with 23 years of industry experience, currently serving as an advisor at LPL Financial since 2018. He previously worked at Wells Fargo Clearing from 2016 to 2018. Kirk is also involved with Northeast Planning Associates, Inc., an entity related to his work with LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, institutions, and retirement plans, offering a range of portfolio management and planning solutions.

Michael Daneau is a financial advisor with Osaic Wealth, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked with several firms, including Linsco/Private Ledger Corp. for 24 years and more recently Securities America Advisors and The Patriot Financial Group. In addition to advisory services, he is involved in insurance sales as part of his business. Osaic Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering both brokerage and advisory services. The firm’s investment approach emphasizes model-based asset allocation, portfolio optimization, and a range of managed account programs supported by a complex affiliate network.

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.

George Hanscom is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 19 years of industry experience. He has been affiliated with Cetera and its related entities since 2016. Outside of his advisory role, Hanscom manages tax preparation and consulting services through George Hanscom & Associates and owns GJH Processing, a business focused on e-filing tax returns. Cetera Investment Advisers LLC serves a broad range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and operates a multi-manager platform with access to affiliated and third-party managers.

Eric Majka is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. His prior roles include positions at StoneX Securities Inc, Trust Advisory Group, Ltd, AGES Financial Services, Ltd., Aztec Capital, LLC, and Boston Independent Advisors. 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 broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

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.