David Dugan is a CFP® professional with 42 years of experience in the financial services industry. He is currently affiliated with Cetera and has previously worked at firms including Wells Fargo Clearing, Winslow, Evans & Crocker, and A. G. Edwards & Sons. In addition to his advisory role, he is licensed as an insurance agent selling life, health, annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers various portfolio management services and financial planning solutions, operating a multi-manager platform that includes affiliated and third-party investment strategies.

Olivia Gierlich is a Wealth Management Advisor at Merrill Lynch Wealth Management, working with a select group of families, retirees, corporate executives, business owners, and entrepreneurs in the Boston area. She focuses on understanding and connecting with her clients to create customized financial strategies that align with their goals and simplify their financial lives. Olivia collaborates with clients' tax advisors and estate attorneys to develop coordinated approaches to complex financial challenges. Her expertise includes portfolio management, personal retirement planning, executive compensation, divorce transition planning, socially responsible and ESG investing, and family wealth management strategies. She utilizes advanced probability planning software to construct individualized financial roadmaps and offers personalized advice to address the diverse financial concerns of her clients. Olivia earned a bachelor's degree from the Massachusetts Institute of Technology in Management Science/Finance with a minor in International Politics. She holds professional designations including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of work, Olivia resides in Cambridge, MA, and is active in her community through involvement with MIT's Alumni Association and the Pi Beta Phi Bostonian Alumnae Club. Her personal interests include traveling, reading, playing softball, and exploring new culinary experiences.

Michael Winn is a financial advisor with UBS Financial Services in Weehawken, NJ, holding Series 63 and Series 65 licenses with 38 years of industry experience. He has been with UBS since 2010. Winn serves as a fiduciary overseeing multiple family irrevocable trusts. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, providing access to model-based asset allocations and proprietary research.

Sean Pettengill is a financial advisor with Cambridge Investment Research Advisors based in Salem, MA, holding Series 63 and Series 65 licenses and 13 years of industry experience. He has been with Cambridge Investment Research since 2014. Outside of his advisory role, he is an independent insurance agent representing various insurance companies. Cambridge Investment Research Advisors is a large SEC-registered firm that serves individuals, retirement plans, charitable organizations, and trusts with financial planning, investment management, and retirement plan advisory services. The firm offers a range of portfolio management strategies and access to both proprietary and third-party investment models, delivered through a network of independent financial professionals.

Jeffrey Miller is a financial advisor with Ameriprise in Lynnfield, MA, holding a Series 63 designation and 35 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves as a trustee on the Board of Directors for Grandview Estates. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, written recommendation reports. As a large institutional firm, Ameriprise delivers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Timothy Goode is a Planning Consultant at Fidelity Investments, where he has been serving since 2024. In this role, he partners with individuals and families to develop personalized financial plans that address their unique goals and financial needs. His approach emphasizes building strong relationships and maintaining trust and communication with clients and their families. Timothy's experience at Fidelity Investments spans several roles, including Financial Representative from 2021 to 2024 and Financial Customer Associate from 2020 to 2021. This progression reflects his growing expertise in financial planning and client service within the company. Outside of his professional responsibilities, Timothy enjoys baseball, fishing, football, golf, and spending time with his pets.

Robert Knizak is a financial advisor at Wells Fargo Clearing with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with investment options that include insurance-related vehicles and bank deposit sweep programs.

Ethan Spada is a Financial Consultant at Fidelity Investments, a role he has held since 2021. In this capacity, he partners with clients to create, develop, and implement comprehensive financial plans tailored to their unique goals and needs. Ethan emphasizes developing deep relationships with his clients to understand their lifestyle and legacy objectives. He has been with Fidelity Investments since 2017, progressing through roles including Customer Relationship Advocate (2017-2018), Financial Representative (2018-2019), and Investment Consultant (2019-2021). This experience has contributed to his expertise in financial consultation and investment advising.

James Lyman is a financial advisor with Fidelity Investments in Danvers, MA. He holds a Series 66 designation and has been with Fidelity since 2025. His prior roles include positions at the University of Colorado Boulder and various community organizations such as The Tyler Place Family Resort and Newburyport Tennis Club. Fidelity's Strategic Advisers LLC, where he works, provides investment management and advisory services to retail and institutional clients. The firm combines fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a range of investment products, including model portfolios and fund-of-funds structures.

Carlos Alves is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and one year of industry experience. His prior work includes roles at Intermex, MML Investors Services, MassMutual Life Insurance, and other firms. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, corporate, and charitable entities through a network of investment adviser representatives. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and a range of non-securities products and services.

Lynda Digiacomo is a financial advisor at Cambridge Investment Research Advisors with 21 years of industry experience. She holds Series 63 and Series 65 credentials and has previously worked at LPL Financial and Invest Financial Corporation. Outside of her advisory role, she is an independent insurance agent affiliated with various independent insurance companies. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts, offering financial planning, investment management, retirement plan advisory, and financial-wellness services. The firm supports its advisors with multiple investment platforms and strategies, including proprietary models, and maintains formal compliance and supervisory processes.

Danielle Settipane is a financial advisor at Charles Schwab with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked with MML Investors Services, Mass Mutual Life Insurance Company, and Baystate Financial. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 offers a combination of non-discretionary and discretionary investment options supported by multi-asset model portfolios, centralized custody, and a formal alternative-investment onboarding process.

Cole Favazza is a Financial Consultant based in the Danvers investor center. He works with individuals and families to create personalized financial plans aimed at achieving long-term financial goals. Cole emphasizes in-depth planning and analysis to help clients make informed financial decisions. He has been with Fidelity Investments since 2021, progressing through various roles including Workplace Planning Consultant, Financial Representative, and Investment Consultant before becoming a Financial Consultant in 2026. His experience spans financial planning and client relationship management across these positions. Outside of his professional role, Cole's personal interests include boating, fishing, hiking, outdoor adventures, pets, and skiing.

Joseph Dias is a Vice President and Financial Consultant at Fidelity Investments. In this role, he collaborates with individuals and families to create comprehensive financial plans aimed at helping clients achieve peace of mind and build lasting relationships with ongoing support. Joseph has been with Fidelity Investments since 2021, progressing through various roles including Workplace Planning Associate, Workplace Planning Consultant I and II, Financial Representative, Investment Consultant, and Financial Consultant before his current position. This progression reflects his experience in financial consulting and investment advising. No information on Joseph's education, credentials, personal interests, or community involvement has been provided.

Stephen Feron is a financial advisor at Johnson O'Connor Wealth Management with one year of industry experience. He has been a partner at the accounting firm Johnson O'Connor Feron & Carucci LLP since 1997, providing audit, tax, and consulting services. Johnson O’Connor Wealth Management operates as a referral service to clients of its affiliated accounting firm, serving individuals, trusts and estates, charitable organizations, and corporations. The firm does not manage client assets directly but refers clients to registered broker-dealers and investment advisers, maintaining a code of ethics and transparency in its advisory relationships.