Tracy Talbot is a financial advisor with Osaic Wealth, Inc. in Woburn, MA, holding Series 63 and Series 65 credentials and 13 years of industry experience. She has previously worked at International Assets Advisory, LLC and has operated her own financial practice under the DBA Joan K. Norton Financial Advisor since 2012. Outside of finance, she is involved in a casual business selling designer bags and accessories with friends. Osaic Wealth, Inc. serves both retail and institutional clients through a large network of advisers, offering integrated brokerage and advisory services, financial planning, and access to multiple third-party managed account solutions. The firm utilizes a range of asset-allocation tools and supports both discretionary and non-discretionary account management.

Paul Sauerbrunn is a CERTIFIED FINANCIAL PLANNER™ professional with 38 years of industry experience, currently affiliated with LPL Financial since 2021. His prior career includes over three decades at Waddell & Reed, Inc. and various insurance carriers, as well as involvement with the Cummings Foundation. Sauerbrunn has also operated an investment-related business under Boston Light Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, employing both discretionary and non-discretionary management supported by research and model portfolios.

Christian O'Brien is a financial advisor at Merrill with a Series 66 designation and under one year of industry experience. He has held positions at Bank of America, N.A., and Merrill since 2025. Christian’s background includes roles at Bowdoin College and Vericel Corporation prior to entering the financial industry. Merrill provides managed account services through the Select Portfolio Solutions program to a broad range of clients, including individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm offers model-based and discretionary investment strategies integrated with Bank of America’s broader platform.

Richard Tartarini is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and with 30 years of industry experience. His prior roles include positions at Legacy Financial Advisors, Sagepoint Financial, and Voya Financial Advisors. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm provides a variety of advisory programs, retirement plan consulting, brokerage services, and utilizes model portfolios and research from multiple sources.

Erik Rautenberg is an Investment Consultant at Fidelity Investments. He has been in this role since 2024, focusing on providing investment guidance to clients. Erik's experience includes serving as a Workplace Planning Associate at Fidelity Investments from 2021 to 2024. He employs a comprehensive and holistic approach to planning, aiming to build relationships that uncover the deeper goals and concerns of his clients to help them work towards their objectives.

Andrew Levesque is a Financial Consultant at Fidelity Investments, a role he has held since 2019. He works directly with clients and their families to analyze current financial plans, develop tailored action plans, and execute these plans through ongoing one-on-one relationships. His focus includes addressing risks to income and assets and crafting customized financial strategies aimed at achieving individualized goals such as estate planning, charitable gifting, retirement planning, and education savings. Andrew has been with Fidelity Investments since 2013, progressing through various roles including Investment Consultant, Retirement Relationship Manager, Workplace Planning and Guidance Consultant I and II, and Defined Contribution Representative. This experience has provided him with a comprehensive understanding of financial planning and client relationship management. No information about his education, credentials, personal interests, or community involvement was provided.

Andrew Holt Jr. is a financial advisor at LPL Financial with 22 years of industry experience. He holds the Series 63 and Series 65 designations and has worked with firms including Waddell & Reed and various insurance carriers. Holt is also involved with the Acton Boxborough Youth Soccer and the Acton Memorial Library Foundation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services with both discretionary and non-discretionary management options.

Roger Cogan is a CFP® professional with 42 years of experience in the financial services industry. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. He holds Series 63 and Series 65 licenses. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Geoffrey Foster is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds the Series 66 designation and has worked previously at firms including Fidelity Investments, Morgan Stanley, and E*TRADE. Outside of finance, he is involved in musical performance and composition through his role at Kiyoshi Foster. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors.

Sarthak Jena is a Financial Advisor at Merrill Lynch Wealth Management. In this role, he focuses on assisting individuals, families, and business owners in aligning their wealth with their goals through personalized planning and investment guidance. He also provides access to the resources of Merrill and Bank of America. His expertise includes college education planning, employee benefits planning, family wealth management strategies, investment consulting for defined contribution plans, liquidity management, managing new wealth, personal retirement planning, tax minimization, and retirement income. Jena holds the professional designation of Personal Investment Advisor (PIA). Sarthak Jena earned a Bachelor's Degree from Emory University and holds both a Master of Business Administration (MBA) and a Master's Degree from Hult International Business School. In his personal time, he enjoys cooking, music, pickleball, reading, running, soccer, spending time with his family, swimming, tennis, and writing.

Douglas Cook is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Private Bank, National Association, and Morgan Stanley since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and economic modeling techniques.

Judith Rich is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 45 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she serves as trustee and holds power of attorney for a family member involving investment-related responsibilities. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. 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.

Pedro Cesa is a financial advisor with Morgan Stanley, holding a Series 66 designation and three years of industry experience. Prior to joining Morgan Stanley in 2025, he worked at Merrill from 2022 to 2025 and had earlier roles at Bank of America Merrill Lynch. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and market simulations.

Daniel Bukkhegyi is a financial advisor at Wells Fargo Advisors with 35 years of industry experience. He has worked in various roles within Wells Fargo since 2013 and has a long-standing business involvement with the Nashua Clarion Sommerset Hotel since 1989. Additionally, he holds ownership interests in two investment-related companies, THE BCDGROUP LLC and DJB FINANCIAL. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options tailored to clients meeting certain net-worth criteria, using proprietary research and tools to develop personalized recommendations.

Shawn Rivers is a financial advisor at UBS Financial Services with seven years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at Morgan Stanley and the Malden Redevelopment Authority. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary research and model-based asset allocation with institutional trading capabilities.

Patrick Noonan is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2024. He has been with Fidelity since 2009, progressing through roles including Financial Consultant, Investment Consultant, Relationship Manager, and Financial Representative. His experience spans various aspects of financial planning and investment consulting. Patrick works closely with clients to understand their unique investing goals and to develop financial plans that address both short-term and long-term investment needs. His approach emphasizes honesty, integrity, and a commitment to building strong client relationships. He holds a California Insurance License.

Sybil Durgin is a financial advisor with LPL Enterprise, holding a Series 63 designation and 26 years of industry experience. Her prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, Mass Mutual Investors Services, and MSI Financial Services, Inc. She is also involved in insurance-related activities through a Prudential-sponsored non-variable insurance agency. LPL Enterprise serves a wide range of clients, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering both advisory and brokerage services. The firm provides financial planning, access to model wealth portfolios, third-party asset management arrangements, and a variety of brokerage and insurance products through its integrated platform.

James Kelble is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and having 29 years of industry experience. He previously worked at Voya Financial Advisors, Inc. for five years before joining LPL Financial in 2021. Kelble is also involved in non-variable insurance activities in North Reading, MA. 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 financial planning, various advisory programs, retirement plan consulting, and brokerage services, with a range of discretionary and non-discretionary management options supported by research and model portfolios.

Gabriel Perez is a financial advisor with Merrill in Burlington, MA, holding Series 66 and Series 63 licenses and five years of industry experience. He has worked at Merrill since 2020 and previously was employed at Bank of America, N.A. from 2023 onward. Gabriel also spent six years at Universidad de Puerto Rico. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Brian Tuttle is a financial advisor with LPL Financial based in Salem, MA. He holds the Series 63 and Series 66 designations and has 38 years of industry experience. Prior to joining LPL Financial in 2021, he worked at several firms including Salem Five Cent Savings Bank, Cooperative Bank of Cape Cod, Infinex Investments, Santander Securities, and DWS Investments Distributors. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, 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 supported by LPL Research and third-party subadvisors.