Richard Baum is a financial advisor with Wells Fargo Clearing in Waltham, MA, holding Series 63 and Series 65 credentials and 54 years of industry experience. He previously worked at Ameriprise Financial Services and Janney Montgomery Scott, LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, wrap-fee programs, and retirement plan consulting services. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Patrick McGillicuddy is Vice President and Financial Consultant at Fidelity Investments, where he has been employed since 1996. He focuses on supporting clients in their wealth planning and financial goal achievement. Patrick emphasizes Fidelity's role as a trusted provider in the financial services industry, offering a range of investment options. Throughout his tenure at Fidelity, Patrick has concentrated on delivering personalized financial consulting services. His approach centers on client-focused strategies to address various investment needs. Outside of his professional work, Patrick's personal interests include spending time at the beach, playing golf, caring for pets, and traveling.

Kavita Dave is a financial advisor at Equitable Advisors with nine years of industry experience. She holds Series 63 and Series 65 licenses and has been with Equitable Advisors since 2017, including a previous role at Axa Advisors. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives. The firm employs a range of advisory models, often utilizing third-party asset managers and programs, and offers ERISA fiduciary services to qualified plans.

Jonathan Merrigan is a CFP® professional at Edelman Financial Engines with 21 years of industry experience. He has been with Financial Engines Advisors L.L.C. since 2018 and previously worked at Edelman Financial Services, LLC and EF Legacy Securities, LLC from 2016 to 2018. 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 both discretionary and non-discretionary investment management across a wide range of accounts.

Brian Cahill is a Planning Consultant at Fidelity Investments, where he collaborates with clients and their families to develop and implement financial plans tailored to their specific situations. He focuses on creating plans that are straightforward and understandable, and he works with clients to monitor and adjust these plans to support their financial well-being and peace of mind. Brian has held several roles within Fidelity Investments since 2020, including Relationship Manager, Financial Representative, and Workplace Planning Consultant. His experience encompasses various aspects of financial planning and client relationship management, contributing to his comprehensive approach to serving clients. Outside of his professional work, Brian enjoys activities such as football, hiking, running, and traveling.

Brandon Cardarelli is a CFP® professional working with LPL Financial in Marlborough, MA, with 18 years of industry experience. He has been with LPL Financial since 2017 and previously worked at National Planning Corporation from 2013 to 2017. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by internal research and third-party strategies.

Caitlin Pickul is a financial advisor at Morgan Stanley with one year of industry experience. She holds a Series 66 designation and has a background that includes leadership roles in sports and recreation organizations, such as Top Pick Sports, LLC and 3STEP Sports. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, focusing on tailored financial planning through structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services that encompass both retail and institutional investment solutions.

Evelyn Alberding is a financial advisor at Raymond James & Associates with two years of industry experience. She holds a Series 66 designation and previously worked at William James College and Wondermore, Inc. Evelyn serves as President of the Board of Directors for the Needham Community Council, a social service agency in Needham, MA. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, and municipalities, offering financial planning and non-discretionary investment consulting supported by a nationwide adviser network.

Lauren Keenan is a financial advisor at Fidelity with five years of industry experience and holds the Series 66 designation. Prior to joining Fidelity, she worked at Morgan Stanley in various capacities from 2020 to 2022. Outside of finance, her background includes roles in the food and hospitality industry. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a systematic investment process that integrates proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction.

Hunter Darrer is a financial advisor with Equitable Advisors, holding a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, he worked in various roles including positions at the Cape Club of Sharon and several food service businesses. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and asset-management programs. The firm utilizes a range of advisory models, often implemented through third-party managers, and offers ERISA fiduciary services via credentialed IARs.

Sandra Grover is a financial advisor with Merrill, holding a Series 66 designation and 14 years of industry experience. She has been with Merrill since 2011. Outside of her advisory role, she serves as Power of Attorney for family trusts and related fiduciary responsibilities. Merrill, through its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients using model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

Zeid Basyouni is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has worked at both Merrill and Bank of America since 2015. He also spent a year at Harvard University from 2016 to 2017. Merrill, along 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors, supported by internal and third-party portfolio management teams.

Sarin Barsoumian is a CFP®-credentialed financial advisor with 20 years of industry experience, currently with LPL Financial since 2009. He is based in Burlington, MA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives, offering financial planning, advisory programs, and retirement plan consulting.

George Haffenreffer is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. His background includes roles outside finance, such as positions at Stone Painting Co. and teaching at Cape Elizabeth High School and Middle School. Equitable Advisors provides financial planning, retirement consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm utilizes a range of advisory programs, including third-party asset managers and LPL-sponsored platforms, focusing on aligning client risk tolerance with appropriate investment models.

Stephen Raymond is a financial advisor with Cetera in Woburn, MA, holding Series 63, 65, and 66 credentials and possessing 27 years of industry experience. He has previously worked at PlanMember Securities Corporation and currently serves as president of Raymond Wealth Management, LLC. His outside activities include acting as an insurance agent selling annuities and long-term care products. Cetera Investment Advisers LLC distributes its services through a large nationwide network of independent advisors, serving individual, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with access to affiliated and third-party managers across various program structures.

Michelle Reid is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 31 years of industry experience. Her career includes previous roles at Investors Capital Corp., Banc of America Investment Services, Inc., and Quick & Reilly, Inc. She is actively involved in her community as a committee member for the North Reading Union Congregational Church and serves as vice president of The Chris Thomas Memorial Fund Inc., as well as an associate member of the Town of North Reading Veterans Events Committee. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large network of over 10,000 independent advisors, offering services to individual, corporate, charitable, and institutional clients. The firm provides a multi-manager platform with a variety of discretionary and non-discretionary portfolio management options, financial planning, and access to third-party money managers.

Brian Callahan is a CFP® professional with 14 years of experience in the financial services industry. He is currently with Edelman Financial Engines and has previously worked at firms including Camarda Wealth Advisory Group, Fisher Investments, and Charles Schwab. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios and offers a range of advisory programs supported by a firm Investment Committee.

Paul Kapur is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 credentials and bringing 25 years of industry experience. He has been with Raymond James since 2016 and has additional experience with KTS Financial Group, LLC. Outside of his advisory work, Kapur holds ownership roles in several rental real estate properties and serves as a licensed real estate broker for his personal transactions. Raymond James Financial Services Advisors, Inc. provides a range of financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers non-discretionary planning and investment consulting tailored to client goals, supported by analytical tools and specialized programs including municipal advisory and SIMPLE IRA employer consulting services.

David Shepard is a financial advisor with LPL Financial in Lexington, MA, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He previously worked at Royal Alliance for 12 years before joining LPL Financial in 2024. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, and institutional clients through a broad network of representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Ann Decaprio is a CFP®-designated financial advisor with LPL Financial in Newton, MA, bringing 17 years of industry experience. She has been with LPL Financial since 2008. In addition to her advisory role, she is also a licensed notary public. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, and charitable organizations through a national network. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, and utilizes model portfolios and research from internal and third-party sources.