Jonathan Albano is a financial advisor at Cetera with 25 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 65 licenses. Since 2013, he has been affiliated with Cetera ADVISORS LLC and currently serves as a co-trustee for several client trusts. Cetera Investment Advisers LLC is an SEC-registered firm 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.

Lee Schmertzler is a financial advisor with Cambridge Investment Research Advisors, Inc. He holds Series 63 and Series 65 credentials and has 26 years of industry experience. Prior to joining Cambridge in 2022, he worked at Pinnacle Pension Consultants LLC and M Holdings Securities, Inc. in roles spanning retirement plan consulting and securities. Schmertzler is also an independent insurance agent representing various insurance companies. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports discretionary and non-discretionary management through multiple platforms and proprietary model strategies under the Founders Gate Capital brand.

Meaghan Harper is a financial advisor at Ameriprise with three years of industry experience. She holds a Series 66 designation and has worked at Ameriprise since 2017, following prior roles at Bath Savings Institution and Bentley University. Outside of her advisory work, she is involved with Array Services, LLC, through which she manages her advisory business. Ameriprise offers a retirement-income planning service tailored to individuals nearing or in retirement with substantial investable assets. The firm provides a range of advisory, brokerage, and insurance solutions and uses a combination of research, modeling, and tax-efficiency analysis to develop personalized retirement-income recommendations.

Howard Goldstein is a financial advisor with Cetera, holding Series 63 and Series 65 designations and 27 years of industry experience. He has worked at Cetera since 1999 and has prior experience in accounting, including ownership of an accounting office in Framingham, MA. His background also includes roles at the U.S. Department of Defense and various accounting firms. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers portfolio management, financial planning, and access to multiple investment program platforms, supporting a multi-manager approach with over $256 billion in assets under management.

Phillip Wong is a financial advisor with OSAIC, holding Series 63 and Series 66 credentials and 31 years of industry experience. He has been with OSAIC since 2013. Outside of his advisory role, he owns Boston Wealth Management, an LLC that provides life, disability, long-term care, annuity, and property/casualty insurance to clients. OSAIC Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, charities, and corporate clients. The firm offers a variety of brokerage and advisory services with an investment approach that emphasizes model-based asset allocation, portfolio optimization, and a broad selection of discretionary and third-party managed strategies.

Scott Maccausland is a financial advisor with LPL Financial in Westborough, MA, holding Series 63 and Series 65 licenses and 29 years of industry experience. He has been with LPL Financial (formerly LINSCO/Private Ledger Corp.) since 1997. Outside of his advisory role, he is involved in independent insurance sales focusing on long-term care insurance and fixed annuities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, including model portfolios and third-party asset management, supported by advanced research and operational tools.

Kailey White is a Planning Consultant at Fidelity Investments, where she collaborates with Financial Consultants and the wealth management team to support clients' comprehensive financial planning needs. She partners with clients to understand their priorities, align their goals and values, and ensure their financial plans reflect what matters most to them. Kailey has been with Fidelity Investments since 2018. She began her career as a Financial Representative and progressed to the role of Relationship Manager before becoming a Planning Consultant in 2023.

Larry Xhama is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds a Series 66 designation and has previously worked at UBS Financial Services and Merrill. Outside of his advisory role, he is a stakeholder in OutsideIn Entertainment LLC, an entertainment business in which he holds no operational responsibilities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory process employs centralized due diligence combining quantitative and qualitative research, offering non-discretionary, customized asset allocation advice and investment manager searches.

Michael Abramo is a financial advisor at LPL Enterprise with four years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Natixis Distribution, Morgan Stanley, Fidelity Investments, and Eastern Trust Wealth Management. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, insurance products, and affiliated trust services.

John Maher is a CFA® charterholder with over 31 years of industry experience. He has been with Cetera and its affiliated entities since 2013. Outside of his advisory role, he is a co-owner of a vacation rental property in Snowmass, Colorado. Cetera Investment Advisers LLC is a large SEC-registered multi-manager platform that serves a broad range of clients including individuals, retirement plans, and institutional accounts, offering both discretionary and non-discretionary portfolio management and access to third-party money managers.

Paul Bruchez is a financial advisor with LPL Financial, holding a Series 66 designation and 25 years of industry experience. He has been with Linsco/Private Ledger Corp. since 2004 and operates under the DBA Bruchez & Associates in Wellesley Hills, MA. 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 financial planning and portfolio management services, utilizing a network of advisors supported by research, technology tools, and diverse investment strategies.

Gregg Catsoulis is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His prior roles include positions at Securities America, The Patriot Financial Group, and LPL Financial. Outside of his advisory work, he acts as managing partner of Patriot Benefit Services, focusing on fixed group insurance sales and service. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients. The firm offers both brokerage and advisory services with a model-based investment approach that integrates portfolio optimization, risk assessment, and multiple managed account options.

Michael Fratto is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2019. He has been with Fidelity Investments since 2005, serving in various positions including Financial Consultant, Investments Representative, and Financial Representative. Prior to joining Fidelity, he worked at Smith Barney from 2000 to 2004, where he held the roles of Sales Assistant and Financial Consultant. Michael supports his clients in pursuing their financial goals through a process of planning, implementation, and ongoing monitoring. He holds a California Insurance License. Outside of his professional work, Michael enjoys family activities, football, and traveling.

Randy Frederick is a Series 66 licensed financial advisor with LPL Financial, bringing five years of industry experience. Prior to joining LPL Financial in 2024, he worked at Edward Jones from 2021 to 2024. He is also associated with Hanscom Federal Credit Union during the same period. 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 financial planning and investment management services, combining a large network of advisors with diverse investment strategies and technological tools.

Richard Moore Jr. is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been affiliated with Cetera Advisors LLC since 2013 and transitioned to Cetera in 2024. Outside of his advisory role, Moore is the owner of a travel baseball program, Energy Athletics, and serves as a notary public. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers across various program structures.

Trey Howes is a Financial Consultant at Fidelity Investments, where he collaborates with clients and families to develop comprehensive financial plans aligned with their goals. He has been with Fidelity Investments since 2022, progressing through several roles including Financial Representative, Relationship Manager, and Planning Consultant before assuming his current position in 2026. His career reflects experience in client relationship management and financial planning. Trey's professional journey at Fidelity demonstrates his commitment to helping clients navigate their financial futures through tailored consulting. Outside of his professional life, he has personal interests that include baseball, fishing, fitness, spending time at the lake, outdoor adventures, and caring for pets.

Sydney Pare is a Planning Consultant at Fidelity Investments, where they collaborate with families to understand their priorities, preferences, and financial goals. In this role, Sydney focuses on developing comprehensive financial plans that align with clients' overall financial situations. Sydney has held several positions at Fidelity Investments since 2021, including Relationship Manager, Financial Representative, High Net Worth Service Associate, and Customer Relationship Advocate. This progression reflects Sydney's experience in client relationship management and financial services within the company. Specific details regarding Sydney's education, credentials, personal interests, or community involvement were not provided.

Francis Randall is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 18 years of industry experience. His prior roles include positions at Edward Jones, Principal Securities, and Newport Group. 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 financial planning and asset management services, utilizing various investment models and advisory strategies.

Bruce Rogovin is a financial advisor with Wells Fargo Clearing in Waltham, MA. He holds the CFP® designation along with Series 63 and Series 65 licenses, and has 42 years of industry experience. Rogovin 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 both brokerage and advisory solutions.

Joseph Murphy is a financial advisor with LPL Financial in Millbury, MA, holding Series 63 and Series 65 licenses and 33 years of industry experience. His career includes roles at Millbury Federal Credit Union, Cuso Financial Services, and several other firms dating back to 2003. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, combining advisory services with a broad range of non-advisory financial products.