Brett Charbonneau is a financial advisor with Fidelity, holding a Series 66 designation and two years of industry experience. Prior to joining Fidelity, he was an independent contractor for Uber Technologies Inc. and worked at Grubhub Holdings Inc. outside the investment industry. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Ryan Nelson is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. His prior experience includes roles at Edward Jones and ProEquities, Inc., spanning over 18 years. He is also president of Ryan Nelson Wealth Management, a support company focused on investing and financial planning. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to individuals, high-net-worth clients, institutions, and nonprofits. The firm uses analytical tools and risk profiling to tailor non-discretionary advice and supports a diverse client base through its extensive advisor network.

Joshua Cotter serves as a Resident Director at Merrill, bringing over a decade of experience as a financial advisor since joining Bank of America in 2007. He and his team focus on helping clients navigate complex financial decisions by minimizing risk through strategies such as asset diversification, tax consequence evaluation, legacy planning, and liability management. His approach centers on creating customized plans that guide clients toward achieving long-term financial goals and milestones. Mr. Cotter holds a Bachelor's degree in Communications from Elon University and has obtained several professional designations including Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), and Personal Investment Advisor (PIA). His areas of expertise encompass retirement income planning, tax minimization, socially responsible investments, education planning, municipal bond portfolios, alternative investments, and financial planning for individuals experiencing sudden changes in their personal circumstances. Outside his professional role, Joshua Cotter values family highly and resides on the North Shore with his wife Kate and their two daughters. In his personal time, he enjoys activities such as boxing, golfing, hiking, reading, and spending time with family.

Bernard Reitman Jr. is a financial advisor with Primerica Advisors in Andover, MA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1993. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of discretionary separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities while employing a tiered wrap-fee structure.

Robert Vanasse Jr. is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works with high-net-worth families across generations, focusing on retirement planning and financial well-being. Robert aims to understand clients' needs and objectives to help formalize and prioritize their financial goals. He has over 35 years of experience assisting business owners, corporate executives, and their families with opportunities related to estate taxes and next generation planning. His expertise includes planning, developing wealth management strategies, and portfolio management. Robert holds a Bachelor of Arts and Sciences degree in Economics from Boston College. He holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification, the Chartered Retirement Planning CounselorSM (CRPC®) designation, the Certified Private Wealth Advisor (CPWA) credential, and the Personal Investment Advisor (PIA) designation.

Thomas M. Caputo is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has over 34 years of experience in the wealth management field and joined Merrill Lynch in 2004. His professional focus includes developing strategies and providing advice for individuals, families, and businesses by understanding their short- and long-term financial objectives. Tom's expertise encompasses a wide range of wealth management areas, including corporate executive services, executive and equity compensation, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, philanthropic planning, portfolio management services, and tax minimization. He holds the CERTIFIED FINANCIAL PLANNER4 designation awarded by the Certified Financial Planner Board of Standards, Inc., among other professional credentials. He is a graduate of Boston College's Carroll School of Management. Tom lives in Milton, Massachusetts, with his wife, Kait, and their three children. The family is active in the community and supports several organizations, including Brigham and Women's Hospital NICU, The Boys & Girls Club, the National Kidney Association, and the St. Rock Haiti Foundation.

Tristan Henderson is a financial advisor at Charles Schwab with 15 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at TD Ameritrade, Santander Bank, and Fidelity Investments. Charles Schwab serves a large client base primarily consisting of high- and ultra-high-net-worth individuals, offering both non-discretionary and discretionary investment advisory services through its Schwab Wealth Advisory program. The firm provides integrated brokerage, custody, and financial planning services supported by multi-asset model portfolios and centralized operational infrastructure.

John Meklis is a financial advisor at Cetera with 27 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Cetera and its affiliated entities since 2016, along with a prior role at Investors Capital Corporation. Meklis serves as president of the Agganis Foundation and holds leadership positions with a local credit union and the St. George Greek Orthodox Church. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers, supporting a range of portfolio strategies and program structures.

Francesco Puopolo is a financial advisor at Charles Schwab with six years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab since 2022, following prior roles at Citizens Securities, Inc. and Lincoln Financial Group. Outside of the financial industry, he manages office operations for a hydraulic hose and fitting assembly company. Charles Schwab serves a broad client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a multi-asset model portfolio investment approach supported by centralized custody and operational structures.

Samuel Levine is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Prior to joining Merrill, he worked at Bank of America and Equitable Advisors, LLC. His background includes roles outside finance, such as positions with Amazon and Dunkin, as well as employment during his university years. 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. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Evangelos Glicos is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His prior work includes roles at Opus Consulting, Webster Pacific LLC, Walmart, and Martindale Country Club. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including fund advisory and model portfolios.

Timothy Murphy is a financial advisor with LPL Financial in Danvers, MA, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. His prior work includes over two decades at Investors Capital Advisory Services and several years at Voya Financial Advisors. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers diverse advisory programs and financial planning services supported by research, model portfolios, and both discretionary and non-discretionary management options.

Brian Snelson is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 25 years of experience in the financial services industry. He is a First Vice President and a longstanding member of The Leland Group. In his role, Brian works closely with clients to navigate complex financial decisions across life transitions, focusing on long-term planning, wealth preservation, and retirement readiness. Brian's expertise encompasses areas such as college education planning, employee financial health, liquidity management, personal retirement planning, portfolio management services, socially responsible and ESG investing, tax minimization, and retirement income. He holds the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc., and also carries the Personal Investment Advisor (PIA) designation. Brian is a graduate of the University of Massachusetts with a bachelor's degree. He lives in Tewksbury, MA with his wife and enjoys spending time with his three adult children and grandchildren. His personal interests include biking, boating, football, golfing, hiking, running, skiing, and traveling.

Noah Caruso is a financial advisor with Morgan Stanley in Middleton, MA, holding a Series 66 designation and 26 years of industry experience. He has been with Morgan Stanley since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves as a board member for Andover Little League. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and models developed by its Global Investment Committee.

Todd Elliott is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2008. In this role, he helps clients develop plans in pursuit of achieving their financial goals. His professional experience centers on providing financial consulting services to assist clients with their financial planning needs.

James Rose IV is a financial advisor with Mass Mutual Investors Services in Wakefield, MA, holding a Series 63 designation and 16 years of industry experience. He has been with MML Investors Services, LLC since 2017 and has also worked with Mass Mutual Life Insurance Company since 2016. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved tools to develop written recommendations in collaborative annual engagements.

Domenic Maitino is a Series 66-credentialed financial advisor at LPL Financial with 18 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for five years before joining LPL Financial in 2021. In addition to his advisory role, Maitino is licensed to sell life, health, long-term care, disability insurance, and annuities. LPL Financial is a registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, institutions, and charitable organizations. The firm offers various advisory programs, financial planning, and brokerage services supported by research and model portfolios.

Jack Ciccariello is a Planning Consultant at Fidelity Investments, where he collaborates with Financial Consultants to assist in creating and maintaining customized financial plans for clients. He has held various roles at Fidelity Investments since 2021, including Relationship Manager from 2022 to 2024 and Financial Representative from 2021 to 2022. Jack's professional experience encompasses financial planning and client relationship management within the investment sector. He focuses on supporting Financial Consultants to deliver tailored financial solutions. Outside of his professional responsibilities, Jack has personal interests in food, football, movies, pets, running, and traveling.

Linda Bruce is a financial advisor at Ameriprise with 32 years of industry experience. She holds Series 63 and Series 65 credentials and previously worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Painewebber Incorporated. Bruce is based in Lynn, MA. Ameriprise offers retirement-income planning services primarily for individuals with substantial investable assets, utilizing a centralized consulting team and a combination of research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm integrates algorithmic automation in its planning process and provides a broad range of advisory, brokerage, and insurance solutions.

Ashley Mcharrie is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management, where she is also a partner in the Leland Group. She has been in the financial industry since 2006 and joined Merrill Lynch Wealth Management in 2015. Ashley provides consulting services to various institutions including hospitals, private foundations, nonprofits, and universities, and serves families with complex financial needs through investment management and access to Bank of America lending services. She holds a Bachelor’s degree in Finance from Babson College, where she graduated magna cum laude. Ashley is a CERTIFIED FINANCIAL PLANNER® practitioner, holds the Certified Investment Management Analyst® and Certified Private Wealth Advisor® certifications through the Investments & Wealth Institute™, and has completed the Merrill Lynch Longevity Training Program offered in conjunction with the University of Southern California. Ashley lives in Salem, Massachusetts, with her husband, John, and their daughters, Maggie and Chloe. Her personal interests include biking, singing, spending time with her family, and traveling.