Susan Panduku is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at HighTower Advisors since 2019. Her prior roles include positions at Lexington Wealth Management, RSM US Wealth Management, and RSM US LLP. HighTower Advisors offers investment advisory and planning services to a diverse client base, including individual and institutional investors. The firm utilizes a multi-manager approach with access to affiliated and third-party managers, emphasizing portfolio construction through a range of investment vehicles and proprietary research.

Matthew Kelley is a CFP® with six years of industry experience, currently serving as a financial advisor at Mercer Global Advisors Inc. He has previously worked at firms including JP Morgan Chase Bank, J.P. Morgan Securities, First Republic Investment Management, and Commonwealth Financial Network. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments by providing discretionary and non-discretionary investment advisory services along with financial, tax, retirement, and estate planning. The firm’s investment approach is based on Modern Portfolio Theory, utilizing globally diversified, risk-appropriate portfolios implemented through low-cost ETFs, separate account managers, and other diversified strategies.

John Kozelian is a CFP® with 32 years of industry experience, currently serving at Commonwealth Financial Network since 1999. He holds a Series 63 license and works out of Belmont, MA. His other business activities include fixed insurance sales at his branch location. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors. The firm offers a range of advisory programs and services, providing operations, trading, technology, investment management, compliance, and practice-management support to affiliated advisors.

Jesse Brady is a financial advisor at Stratos Wealth Partners, Ltd with nine years of industry experience. He holds a Series 65 designation and previously worked at Vaucluse Partners from 2016 to 2021. In addition to his advisory role, Brady serves as Director of Business Solutions at Stearns Financial Group, focusing on benefit solutions. Stratos Wealth Partners is an SEC-registered enterprise adviser with approximately 379 advisors and $18.6 billion in assets under management. The firm serves a diverse client base, including high-net-worth individuals, retirement plans, corporations, nonprofits, and institutional clients, offering a range of services such as financial planning, advisor-managed programs, and outsourced CIO solutions. Stratos employs an independent-advisor-driven model with an open-architecture investment approach that integrates multiple third-party platforms and sub-advisors.

Paul Hill Jr is a financial advisor with OSAIC Institutions, INC. in Lexington, MA. He holds Series 63 and Series 65 licenses and has 37 years of industry experience. His prior work includes roles at Infinex Investments, Inc., Brookline Bank, TD Ameritrade, Merrill, and Advest, Inc. OSAIC Institutions, INC. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a large network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, access to alternative investments, and operates a hybrid adviser/broker-dealer model with a distinctive approach to client management and third-party arrangements.

Vera Lucia Rampartap is a financial advisor with Eagle Strategies (New York Life) in Waltham, MA, holding a Series 66 designation and 13 years of industry experience. Her prior roles include positions at Morgan Stanley, Ameriprise, and Merrill, spanning over two decades in the financial services sector. Eagle Strategies serves a diverse client base, including individual and institutional investors, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and manages a significant portion of its assets on a non-discretionary basis through a broad network of affiliated advisers.

Robert Koen Jr. is a financial advisor with TIAA-CREF in Waltham, MA, holding a Series 66 designation and 14 years of industry experience. He has worked at TIAA and TIAA-CREF Individual & Institutional Services, LLC since 2011. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing ties to TIAA-administered employer retirement plans. The firm offers distinct point-in-time financial planning alongside ongoing portfolio management through model portfolios and customized strategies under a fiduciary standard.

Charles Downey is a financial advisor with Centaurus Financial, Inc. He holds a Series 66 designation and has 25 years of industry experience. Prior to joining Centaurus in 2018, he worked at Lincoln Financial Advisors Corp for 14 years. Outside of his advisory role, he serves as president of Downey Insurance Agency, Inc., a retail insurance business he has been involved with since 1997. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management, retirement-plan consulting, and specialized advisory services using a combination of fundamental, technical, and model overlay strategies.

Christian Odonnell is a financial advisor with TD Private Client Wealth LLC in Wellesley, MA, holding Series 63 and Series 65 licenses. He has four years of industry experience, including roles at TD Bank N.A. and Santander Securities LLC. TD Private Client Wealth LLC offers discretionary wrap-fee managed account programs and brokerage services to institutional, high-net-worth, and retail clients, utilizing strategic and tactical asset allocation with both affiliated and third-party sub-managers.

Laura Peeke is a CFA® charterholder with 23 years of industry experience. She is affiliated with Commonwealth Financial Network and has served as President and Owner of LifeFirst Financial Corporation since 2009. Her work includes fixed insurance sales conducted under LifeFirst Financial. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors. The firm provides a range of advisory programs and back-office services, including investment management, compliance, and practice management, allowing advisors discretion in portfolio construction alongside model portfolios managed by the firm’s Investment Management and Research team.

Jeffrey Tomaneng is a financial advisor with TIAA-CREF in Waltham, MA, holding Series 63 and Series 65 licenses and having 31 years of industry experience. His prior roles include positions at Asset Management Resources, Lion Street Advisors, Sapers & Wallack, Capital Analysts, Lincoln Investment, and U.S. Financial Advisors. Outside of his advisory work, he volunteers with the Financial Planning Association on the Heart of Financial Planning Award and Programming Committees and also works as a rideshare driver. TIAA-CREF Individual & Institutional Services provides financial planning and managed account programs primarily to individuals connected to TIAA-administered employer retirement plans, as well as trusts, estates, and institutional clients. The firm offers both point-in-time planning and ongoing discretionary management, applying a fiduciary standard to its RIA services and managing various portfolio options, including customized portfolios through dedicated managers.

Brendan Bayron is a financial advisor at Foundations Investment Advisors LLC with five years of industry experience. He holds the Series 66 designation and has worked with several firms including Rise North Capital and Voya Financial Advisors. Outside of advising, Bayron is also active as an insurance agent at Rise North Capital. Foundations Investment Advisors, LLC provides financial planning and portfolio management to individual and high-net-worth clients, as well as employer-sponsored retirement plans and registered investment companies. The firm employs a variety of analytical approaches and utilizes model portfolios and discretionary authority assigned to its investment adviser representatives.

Thomas Devol is a financial advisor at SPC with 33 years of industry experience. He holds the CFP® and ChFC® designations and has been associated with Parkland Securities since 2014 and Sigma Planning Corp since 2002. In addition to his advisory work, he operates an insurance brokerage through Devol Insurance & Financial Service, focusing on life, health, property, and casualty insurance. SPC serves a diverse client base including individuals, charitable organizations, corporations, and retirement plans, managing approximately $5.66 billion in assets. The firm offers portfolio management, financial planning, and ERISA-related retirement plan services, employing a range of discretionary and nondiscretionary management strategies.

Matthew Sliwa III is a CFP® and CFA® with 35 years of experience in the financial industry. He is currently affiliated with Commonwealth Financial Network, where he has worked since 2006, and also co-owns KSP Advisors, LLC, a real estate holding company. His background includes fixed insurance sales conducted alongside his advisory work. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and managing over $210 billion in client assets. The firm offers a comprehensive adviser-support platform with various managed-account programs, third-party asset manager access, retirement consulting, and custody services.

Nelson Ball is a ChFC®-designated financial advisor with 58 years of industry experience. He is currently affiliated with Commonwealth Financial Network and has worked with Commonwealth Equity Services, Inc. since 1985. Outside of his advisory role, he is a member and partial owner of an entity created to own a branch office building. Commonwealth Financial Network serves a national network of nearly 2,900 advisors and manages approximately $212.7 billion in client assets. The firm offers a broad range of advisory support services, including managed-account programs, access to third-party asset managers, and custody and clearing services.

Liam Greene is a financial advisor with Eagle Strategies (NY Life) in Waltham, MA, holding Series 63 and Series 65 licenses and four years of industry experience. His work history includes roles at NYLife Securities LLC and New York Life Insurance Company, along with prior experience outside finance at Boston City Hall and All Pro Moving and Storage. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated investment adviser representatives. The firm emphasizes tailored recommendations and manages a substantial majority of its assets on a non-discretionary basis, working with a diverse client base that includes defined contribution and defined benefit plans, charitable, and corporate clients.

Christopher Roy is a financial advisor at Farther with seven years of industry experience. He holds Series 65 and Series 66 licenses. His prior experience includes roles at PUREfi Wealth, LLC, Acadiance, BNY Mellon, Boston Private Wealth LLC, Windrose Advisors LLC, and CBF Advisors, LLC. Farther provides discretionary investment management and advisory services primarily to individual investors, trusts, and estates through a web and mobile platform complemented by in-person meetings. The firm employs a Modern Portfolio Theory-based approach using proprietary model portfolios, algorithmic rebalancing, and a mix of ETFs, mutual funds, equities, and fixed income, incorporating AI tools under internal review.

Zachary Volinsky is a financial advisor at Focus Partners Wealth, LLC with one year of industry experience. He holds a Series 66 designation and previously worked at Boston Light Financial and LPL Financial among other roles. Focus Partners serves individuals, families, family offices, and institutional clients with wealth management, financial planning, and retirement plan consulting. The firm employs a long-term, tax- and fee-sensitive investment approach combining active and passive strategies, third-party managers, and private funds.

Matthew Elsenbeck is a financial advisor at Creative Planning with 15 years of industry experience. He holds a Series 66 designation and previously worked at Ferris Capital, LLC for 10 years before joining Creative Planning in 2022. Creative Planning provides investment advisory and financial planning services to a diverse range of clients, including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in client assets and employs a financial planning‑led investment process that emphasizes low‑cost indexing and buy‑and‑hold strategies, supplemented by various active management techniques and comprehensive retirement plan services.

Lucy Joseph is a financial advisor at Commonwealth Financial Network with 10 years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at Citizens Securities, Inc. and Citizens Bank. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm offers a variety of advisory programs and services, including discretionary model portfolios, wealth management, and retirement plan consulting, supported by robust operations, trading, technology, and compliance platforms.