Kyle Gray is a CFP® and CFA® credentialed advisor with six years of industry experience. He is currently with Moneta Group Investment Advisors, LLC in Worcester, MA, and previously worked at Fidelity Investments and Mass Mutual Investors Services. Moneta Group Investment Advisors serves high-net-worth individuals, families, family offices, and institutional clients with portfolio management, financial planning, and family office services. The firm employs a partner-led team structure and an open-architecture investment process emphasizing asset allocation and manager due diligence.

Justin Jones is a CFP® professional with 10 years of experience in the financial advisory industry. He is currently affiliated with Commonwealth Financial Network and has worked at several firms including Brian James Financial Services, Inc. and Gwfs Equities, Inc. His experience spans various roles within investment advisory firms. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing around $212.7 billion in client assets. The firm provides a broad adviser-support platform with discretionary and nondiscretionary managed-account programs, access to third-party asset managers, and comprehensive custody and clearing services.

Raymond Lucas III is a financial advisor at Integrated Wealth Concepts LLC with three years of industry experience. His prior roles include positions at LPL Financial LLC and The Vanguard Group, Inc. He also has experience working at the University of Delaware and in various other sectors. Integrated Wealth Concepts LLC serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers customized portfolios primarily using mutual funds, ETFs, individual equities, and fixed income, employing a long-term investment approach supplemented by shorter-term trades for rebalancing or liquidity needs.

Molly Brown is a financial advisor with Private Advisor Group, LLC, holding a Series 66 designation and bringing nine years of industry experience. Her prior roles include positions at LPL Financial, Infinex Investments, and Monson Savings Bank. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans with portfolio management, financial planning, retirement plan consulting, and access to various managed account solutions. The firm employs a fiduciary-based advisory model that combines client goal assessment with multiple investment strategies, utilizing both proprietary and third-party platforms.

Michelle Cote is a financial advisor with Commonwealth Financial Network in Whitinsville, MA. She holds a Series 66 designation and has been with Commonwealth since 2026. Her background includes diverse roles outside finance, such as working at Den Brae Golf Course and Muffin House Cafe, as well as involvement with several community organizations and local schools. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing roughly $212.7 billion in client assets. The firm offers a comprehensive adviser-support platform including managed-account programs, access to third-party managers, and custodial services, enabling advisors to implement portfolios tailored to client goals and risk tolerance.

Oliver Cragan is a CFP® with 11 years of industry experience currently advising clients at Moneta Group Investment Advisors, LLC. His prior roles include positions at The Berry Group and Wells Fargo Advisors. Moneta Group Investment Advisors serves high-net-worth individuals, families, trusts, and a variety of institutional clients, offering portfolio management, financial planning, family office services, and specialized concierge offerings. The firm employs Partner-led Teams supported by a centralized Investment Department to deliver tailored, diversified multi-asset allocations and ongoing portfolio monitoring.

Brian Jamros is a financial advisor at Commonwealth Financial Network in Worcester, MA, holding a Series 66 designation with 10 years of industry experience. He has been associated with Bartholomew & Company, Inc. and its affiliate Bartholomew & Company Wealth Management, LLC since 2016. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing about $212.7 billion in client assets. The firm provides a comprehensive adviser-support platform that includes managed-account programs, access to third-party asset managers, retirement and plan consulting, and custody and clearing services.

Edward Gay is a financial advisor with Integrated Wealth Concepts LLC in Worcester, MA, holding Series 63 and Series 65 credentials and 19 years of industry experience. He has worked at Integrated Wealth Concepts since 2017 and has prior experience with LPL Financial, Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MSI Financial Services. Gay has a non-variable insurance business activity in Worcester. Integrated Wealth Concepts LLC serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent financial advisors. The firm offers discretionary investment management, financial planning, family office services, and retirement plan advisory, employing a long-term investment approach combined with model and wrap fee programs.

Ashley Kriner is a financial advisor with Commonwealth Financial Network in Auburn, MA, holding Series 63 and Series 65 licenses and having 11 years of industry experience. She has been with Commonwealth since 2016. Outside of advisory work, she is an assistant at Sparhawk Realty, LLC, a real estate management entity in Florida. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing around $212.7 billion in client assets. The firm offers a broad adviser-support platform, including managed-account programs, access to third-party asset managers, and custody services.

Sarah Berry is a financial advisor at Moneta Group Investment Advisors, LLC with 47 years of industry experience. She holds Series 63 and Series 66 designations and has worked previously at Wells Fargo Advisors and The Berry Group. Outside of her advisory role, Berry serves as a selectman for Cuttyhunk Island, Massachusetts, where she manages town affairs and oversees municipal operations. Moneta Group Investment Advisors serves high-net-worth individuals, families, trusts, and various institutional clients, offering portfolio management, financial planning, and family office services. The firm operates with partner-led teams supported by a centralized investment department, emphasizing diversified multi-asset allocations and ongoing monitoring.

Peter Crinella is a financial advisor with Guardian Life, holding Series 63 and Series 65 licenses and six years of industry experience. He has worked at Northwestern Mutual Wealth Management Company and other financial firms, as well as serving two years with the Guildford Flames Hockey Club. Guardian Life’s subsidiary, Park Avenue® Wealth Management, serves individuals, pension and profit-sharing plans, charitable organizations, and corporate clients through brokerage services, financial planning, retirement plan consulting, and a range of advisory programs.

Raymond Lucas Jr. is a CFP® professional with 39 years of industry experience, currently serving at Integrated Wealth Concepts LLC since 2016. He is also associated with LPL Financial over the same period. In addition to his advisory work, he has been a seminar guest speaker since 2014. Integrated Wealth Concepts LLC is part of a larger enterprise serving individuals, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, and family office services, employing customized portfolio construction with a long-term investment approach supported by internal management and third-party asset managers.

John Quinn is a CFA® charterholder with 16 years of industry experience. He is currently an advisor at Moneta Group Investment Advisors, LLC and has previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Moneta Group Investment Advisors serves high-net-worth individuals, families, trusts, and a variety of institutional clients, offering portfolio management, financial planning, family office services, and concierge offerings. The firm employs partner-led teams supported by a centralized investment department and provides diversified, multi-asset allocation strategies along with specialized services for unique client segments.

Robert Hoey is a financial advisor with Commonwealth Financial Network in Worcester, MA. He holds the CFP® designation and has 37 years of industry experience. Hoey has led Hoey Wealth Management since 1999 and previously worked at Marsh Kemp Insurance for over three decades. Outside of his advisory work, he serves as a football coach at Auburn High School. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser supporting a national network of nearly 2,900 advisors and managing over $212 billion in client assets. The firm offers a broad range of managed-account programs, access to third-party asset managers, and comprehensive back-office services including trading and reporting.

Margaret Benison is a financial advisor with Commonwealth Financial Network in Shrewsbury, MA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. She has operated Benison Financial Services since 1998 and is also affiliated with Commonwealth Equity Services, Inc. She is involved in fixed insurance sales through her DBA, Benison Financial Services. Commonwealth Financial Network serves a national network of approximately 2,950 advisors, providing advisory programs and support including wealth management, retirement plan consulting, and access to third-party asset managers. The firm offers a range of program structures and model portfolios, supporting advisors with operations, trading, technology, compliance, and practice management.

Paul Verderese is a CFP® professional affiliated with Commonwealth Financial Network, with 43 years of industry experience. He has operated Verderese Financial since 2008 alongside his role at Commonwealth. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing over $212 billion in client assets. The firm provides a broad adviser-support platform including managed account programs, access to third-party asset managers, and custody/clearing services.

Kevin O'Brien is a CFP® with 38 years of industry experience, currently affiliated with Wealth Enhancement Advisory Services, LLC. His prior experience includes roles at Triad Advisors, Inc., Peak Financial Services, Inc., and Commonwealth Financial Network. He is also an author of investment-related content under the name Biotech Boom. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets through a large network of advisors and employs a diversified investment process combining passive and active strategies overseen by an internal Investment Committee.

Joshua Boen is a financial advisor with Commonwealth Financial Network in Worcester, MA, holding Series 63 and Series 66 registrations with four years of industry experience. His work history includes positions at National Financial Services, Fidelity Investments, and TDAmeritrade. Outside of finance, he has experience working in the food service industry with Wise Guys Pizza and Domino's Pizza. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and managing over $212 billion in client assets. The firm offers a range of advisory support services including managed-account programs, access to third-party asset managers, and custody and clearing services.

Sunshine Marsh is a Series 66-licensed financial advisor at Commonwealth Financial Network with two years of industry experience. Prior to rejoining Commonwealth in 2025, Marsh worked at Bartholomew & Company, Inc. from 2019 to 2025 and at Newton Financial from 2008 to 2019. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm offers a range of advisory programs and services, including wealth management and retirement plan consulting, and provides operational, trading, technology, and compliance support to affiliated advisors.

Charles Manoog is a financial advisor at Kestra Advisory with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has been associated with Kestra Investment Services since 2007. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients, offering services such as fiduciary consulting, plan design, and employee education. The firm serves large institutional investors, including sovereign wealth funds, and manages approximately $79.8 billion in assets.