Bruce Favorat is a CFP® professional with 43 years of industry experience. He is currently with OSAIC and has worked at several firms including Securities America Advisors, Inc. and SSN Advisory, Inc. He also operates as an independent insurance producer, engaged in variable and index product sales. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services with an investment process focused on model-based asset allocation and portfolio optimization, supported by various tools and strategies, and is notable for its scale, consolidation activity, and complex affiliate network.

Eric Evans is a financial advisor with Edward Jones in North Reading, MA, holding Series 63 and Series 66 designations and bringing 33 years of industry experience. He has been with Edward Jones since 2004. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients through a broad network of financial advisors and branch offices. The firm offers a range of advisory programs and investment solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Jared Rubin is a CFP® with 19 years of industry experience, currently advising at Edelman Financial Engines in Burlington, MA. He has worked with Financial Engines Advisors L.L.C. since 2018 and previously held roles at EF Legacy Securities, LLC and Edelman Financial Services LLC. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm employs a committee-driven proprietary modeling process combined with planner delivery and online tools, offering a range of services from discretionary management to online advice.

Jeffrey Beck is a financial advisor with LPL Enterprise and holds Series 63 and Series 65 licenses. He has 40 years of industry experience, including a long tenure at Prudential Insurance Company of America and Pruco Securities, LLC. His activities include involvement in non-variable insurance business through Prudential. LPL Enterprise provides investment advisory and brokerage services to individual and institutional clients, including high-net-worth investors and employer-sponsored retirement plans. The firm’s investment approach is largely model-driven, utilizing portfolios developed by internal research and third-party strategists while offering access to third-party asset managers and insurance products.

Eric Benker is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2024. In this role, he collaborates with clients to develop personalized financial plans tailored to their individual priorities and family needs, ensuring clients understand and are comfortable with the planning approach. He emphasizes providing exceptional service throughout the client relationship. Eric has been with Fidelity Investments since 2012, progressing through several roles including Financial Consultant, Investment Consultant, Relationship Manager, Central Review Team Leader, Regional Account Delegate, and Senior Financial Specialist. This experience has provided him with a broad understanding of financial consulting and investment strategies. No information about Eric's education, credentials, personal interests, or community involvement has been provided.

Noel Dulac is a financial advisor with OSAIC, holding CFP® and ChFC® designations and over 30 years of industry experience. He previously worked for Signator Investors, Inc. and John Hancock Life Insurance Co. from 1995 to 2018. Outside of his advisory role, Dulac serves as president of a condominium association and provides financial consulting for military personnel through Magellan Health. OSAIC Wealth serves a diverse range of retail and institutional clients with brokerage and advisory services that include financial planning, managed portfolios, and retirement plan consulting. The firm employs a model-based investment process and supports multiple account types and third-party managers, distinguishing itself through its scale, affiliate network, and complex platform arrangements.

Mark Bilodeau is a CFP® with 34 years of industry experience, currently advising clients at LPL Financial. He has worked in financial services since 2006, including with Linsco Private Ledger. Outside of his advisory work, he is involved in real estate brokerage in Massachusetts and New Hampshire. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, 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.

Stephen Shaw is a financial advisor with Mass Mutual Investors Services in Wakefield, MA, holding a Series 63 designation and 14 years of industry experience. He has worked at MML Investors Services and Mass Mutual Life Insurance Company since 2019, and previously at Foresters Financial Services from 2011 to 2019. Shaw also works as an insurance broker through ITrust Advisors LLC, focusing on life, disability, long-term care, and fixed annuities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, and charitable organizations, offering financial planning, asset management, and educational seminars. The firm employs collaborative, annual financial planning engagements using approved software tools and provides a range of event-driven planning services.

Bill Hanna is a Wealth Management Senior Relationship Manager at Fidelity Investments. In this role, he serves as a primary point of contact for clients, focusing on delivering personalized service tailored to individual needs and preferences. Bill has been with Fidelity Investments since 2011, progressing through roles including Portfolio Specialist, Wealth Management Relationship Manager, and currently Senior Relationship Manager. His experience encompasses facilitating conversations about wealth and investment planning across generations of families.

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.

Roger Vaganis is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds a Series 66 designation and has worked previously at Bank of America, Merrill, and Massachusetts Mutual Life Insurance Company. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory program emphasizes written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and incorporating both quantitative and qualitative research.

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.

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.

Joseph Cataldo is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. Prior to joining LPL Financial in 2024, he spent 16 years at Lincoln Financial Securities and has operated the Law Offices of Joseph Cataldo PC since 1997 as a licensed attorney and president handling tax preparation and accounting services. He is also a commissioned notary in Massachusetts. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with a range of investment strategies and operational tools.

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.