Patrick Murray is a financial advisor with LPL Financial, holding a Series 66 designation and 17 years of industry experience. He has worked at Sagepoint Financial, Inc. for 14 years and has recent experience with OSAIC and Legacy Financial Advisors. Outside of advising, he is involved with Massabay Tax Service, focusing on tax preparation and accounting. 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 financial planning and various investment programs supported by extensive advisor tools and operates alongside multiple non-advisory financial services.

Ryan Giordano is a financial advisor at Fidelity with a Series 66 designation and less than one year of industry experience. His prior work experience includes roles at HomeSense, GNC, and The Home Depot, as well as positions during and after his time at the University of New Hampshire. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a process that combines proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm manages portfolios through systematic methodologies and oversees multiple affiliated and unaffiliated sub-advisers.

Richard Ringler is a financial advisor with Primerica Advisors in Mansfield, MA, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1990. Outside of his advisory role, he occasionally acts as a notary and is involved in referrals for home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which includes model-delivery strategies and a limited number of separately managed account options for individual and high-net-worth clients. The firm focuses on curated third-party asset managers and uses a tiered wrap fee structure rather than fixed fees.

Joanne Mills is a Series 66-credentialed financial advisor with Morgan Stanley, based in Norwell, MA, with 13 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques to support its advisory process.

Iryna Perry is a Series 66 licensed financial advisor at Merrill with two years of industry experience. Her prior work includes roles at Tapfin, Citizens Bank, Healthcare Financial Inc, Saks Fifth Avenue, and Swarovski. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations by offering model-based and discretionary investment strategies supported by internal and third-party managers.

Timothy Le Pain is a financial advisor at Ameriprise with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves on the Board of Directors for Kids Connect, a nonprofit organization. Ameriprise is an institutional firm offering a retirement-income planning service tailored to individuals with significant investable assets, combining research and modeling to provide tax-efficient, non-discretionary recommendations. The firm also provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Lionel Desrosiers is a financial advisor with Equitable Advisors in Needham, MA, holding a Series 66 designation and 23 years of industry experience. He has been with Equitable Advisors since 2003, including its predecessor Axa Advisors, LLC. He serves as a board member of the Kendall Green Condominium II Association. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management programs to a diverse client base including individuals, institutions, and charitable organizations. The firm’s advisory approach involves assessing client risk tolerance to match them with program models or discretionary managers, utilizing both proprietary and third-party investment solutions.

Francis Mc Namara is a financial advisor with LPL Financial in West Roxbury, MA, holding a Series 66 designation and 18 years of industry experience. His prior roles include positions at Rockland Trust, The Leaders Group, Wealthvest Marketing, Foresters Financial Services, Manulife Investment Management, and John Hancock Investment Management. 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 range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Erik Davis is a Financial Consultant at Fidelity Investments, a position he has held since 2024. He has been with Fidelity since 2019, progressing through roles including Financial Representative, Investment Consultant, and Planning Consultant. His professional focus includes working with families on various financial planning needs such as wealth accumulation, asset preservation, and income generation. Erik's role involves helping clients understand how Fidelity's services can assist them in achieving their financial goals. Outside of his professional career, he engages in activities such as baseball, boating, family activities, football, golf, and skiing.

Benjamin Neil is a financial advisor with Primerica Advisors in Weymouth, MA, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has been with Primerica Advisors since 2007 and also served at SWN Church for 11 years. Outside of advising, he is involved in entertainment through Great Scott Productions and is the owner and creator of Cube-it, both non-investment related ventures. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm uses third-party asset managers and emphasizes a tiered wrap fee structure, focusing on curated portfolio models rather than institutional or pension plan management.

Courtney Brock is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 33 years of industry experience. She has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Matthew Mckay is a financial advisor with Fidelity who holds Series 63 and Series 66 licenses and has 26 years of industry experience. He has been with Fidelity and its affiliates since 2003, including roles at Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, AI-driven research, and advisory roles with multiple registered investment companies.

Stephen Lubin is a CFP®-designated financial advisor with 32 years of industry experience. He is currently with LPL Financial and has previously worked at South Shore Bank, Infinex Investments, Citizens Securities, and other firms. 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.

Robert Spadano is a CFA® charterholder with 21 years of industry experience, currently serving at LPL Financial since 2006. Prior to that, he worked at First Financial Advisory Services Inc and First Allied Securities, Inc. He also operates a business under the name Seven Point Financial, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management solutions, leveraging technology and a large network of advisors to serve diverse client needs.

Jaclyn Stanley is a CFP® with 22 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. She has worked at Ameriprise Financial Services, Inc. for 15 years prior to her current role. Outside of her advisory work, she is involved with Net Flows LLC. Ameriprise offers retirement-income planning services focused on individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Andrew White is a financial advisor with RBC Capital Markets in Norwell, MA, holding Series 63 and Series 65 licenses. He has 24 years of industry experience and has been with RBC Capital Markets Corporation since 2008. Outside of his advisory role, he has operated a livery service as a sole proprietor and previously engaged in outerwear distribution. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, and brokerage services tailored to clients’ Advisory Risk Profiles.

Francis Mc Nulty is a financial advisor at Ameriprise with 28 years of industry experience. He holds the Series 63 designation and has been with Ameriprise and its related entities since 2005. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendation reports, delivered through a centralized consulting team that works alongside financial advisors.

Edward Duffy Jr. is a CFP® with 44 years of industry experience, currently affiliated with Cetera. His prior work includes over three decades at Commonwealth Financial Network and roles at Lexington Financial, Inc., and EJD Insurance Agency. He is also a partner in LFG Insurance Agency, Inc. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services delivered by a nationwide network of independent advisors.

Michael Regan is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2014. He has over 20 years of experience in the financial services industry, during which he has worked in various roles including Financial Counselor at iCapital, LLC, Senior Client Advisor at GL Investment Advisory Services, LLC, Equity Trader and Trading Manager at Fidelity Investments, and Senior Vice President and Senior Trader at TD Waterhouse Capital Markets. As a CERTIFIED FINANCIAL PLANNER™, Michael partners with individuals and families to plan for retirement and manage their wealth throughout retirement. He focuses on helping clients preserve and grow their wealth by combining comprehensive financial planning with personalized investment strategies. Michael emphasizes the importance of working with a trusted advisor to implement and monitor a formal long-term financial plan.

Robert Matson is a financial advisor with LPL Financial who holds the ChFC® and Series 63 designations and has 44 years of industry experience. He has been with LPL Financial since 1993. Outside of advising, Matson is involved in insurance sales through a non-variable insurance business under his own name. 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 broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology tools for research and operations.