Tobias Mc Carthy is a financial advisor at Mass Mutual Investors Services with two years of industry experience. He holds a Series 63 designation and has a varied background including roles at MassMutual Life Insurance Company and a trading venture named McCarthy Trading. His earlier career includes academic and nonprofit work at the University of Zurich and P&K Pühringer Gemeinnützige Stiftung. Mass Mutual Investors Services is a subsidiary of MassMutual that offers financial planning and asset management to individuals, business owners, trusts, and charitable organizations. The firm uses firm-approved software to provide detailed, annual financial planning and offers programs including estate settlement and employer-sponsored planning services.

Eryn Whittier is a financial advisor at Raymond James & Associates with 14 years of industry experience. She previously worked at Merrill for six years before joining Raymond James in 2020. Outside of her advisory role, she is a part-time master's swim coach. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, institutions, and municipal entities, offering a range of financial planning and consulting services with a non-discretionary approach that incorporates firm research and multiple portfolio management styles.

Robert Cerniglia is a financial advisor at Thrivent Investment Management with 12 years of industry experience. He holds a Series 66 designation and has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2013. He serves on the board of the Southern New Hampshire Chamber of Commerce, supporting local business networking and community activities. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of advisors. The firm offers holistic, goal-based financial planning that covers a range of topics and may be combined with managed-account programs under a consolidated billing option called “WealthPlan.”

James Savarino is a financial advisor at OSAIC with 45 years of industry experience. He holds the ChFC® designation and Series 63 license and has worked previously at SII / Boston Partners for 14 years. Outside of his advisory role, he serves on the finance committee of the Danvers Fish and Game Club. OSAIC Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services that include comprehensive financial planning, managed portfolios, and retirement plan consulting. The firm’s investment approach relies on model-based asset allocation and portfolio optimization with discretionary strategies and third-party manager options.

Joseph Shea III is a Series 66-licensed financial advisor with 25 years of industry experience. He is currently affiliated with LPL Financial in Chelsea, MA, and has held prior roles at firms including Morgan Stanley, Santander Securities, and CUNA Brokerage Services. Shea is also a commissioned notary. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice delivered primarily through its extensive network of investment adviser representatives.

Irina Biley is a Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2019. She has been with Fidelity Investments since 2009, serving in various roles including Investment Consultant, Financial Representative, Retirement Solutions Representative, Active Trader Services, Premium Services Representative, and Service Trading. Prior to joining Fidelity, she worked at TD Bank as a Customer Service Representative and as an Administrative Assistant at TD Wealth Management. Her professional experience covers a range of financial services, focusing on retirement planning, education savings, and investment growth. As a Certified Financial Planner, she emphasizes building meaningful relationships with clients, helping them navigate their financial goals and challenges. Details about her education, credentials beyond Certified Financial Planner, and personal interests or community involvement have not been provided.

Jeffrey Peterson is a financial advisor at Fidelity with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Fidelity Investments since 2006, including roles at Fidelity Personal and Workplace Advisors from 2018 to 2025. Outside of his advisory work, Peterson serves as a professor at Suffolk University, instructing CFP-level courses. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios and offers services such as discretionary management and fund advisory.

Christopher Cinella is a financial advisor with Edward Jones in Melrose, MA, holding Series 63 and Series 66 licenses and with 24 years of industry experience. He has been with Edward Jones since 2008. Outside of his advisory role, he serves as the president of the Melrose Chamber of Commerce. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

John Deyeso is a financial advisor at Fidelity with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Fidelity Investments since 2010. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including fund advisory and model portfolio delivery.

Daniel Buonopane currently serves as Vice President Private Wealth Management Advisor. He partners with clients and their families to develop personalized wealth plans aimed at helping them achieve their financial goals. He values building long-term client relationships. Daniel has been with Fidelity Investments since 2003, progressing through roles including Investment Consultant, Financial Consultant, VP Financial Consultant, and Vice President Wealth Management Advisor before his current position. His experience spans nearly two decades within the wealth management field at Fidelity. Outside of his professional work, Daniel's personal interests include cooking and baking, family activities, tennis, and volunteering.

Matthew Ros is a financial advisor at Osaic with one year of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Northwestern Mutual Investment Services LLC and Northwestern Mutual Life Insurance Company. Outside of advising, he is involved with GenX Financial LLC, an entity focused on payroll and benefits services for innovative financial groups. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering a range of brokerage and advisory services. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by various tools and multiple custodial and program arrangements.

Emily Menezes is a financial advisor at Fidelity with Series 66 and Series 63 licenses and one year of industry experience. Prior to joining Fidelity, she worked at Shaw's Supermarkets and in educational roles at Virtual Learning Academy Charter School, Nashua High School South, and Fairgrounds Middle School. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction across diversified investment vehicles. The firm also serves in advisory roles to registered investment companies and delivers model portfolios using systematic methodologies and long-term asset allocation benchmarks.

Jose Lopez is a financial advisor at Charles Schwab with two years of industry experience. He holds Series 66 and Series 63 licenses. Prior to joining Charles Schwab, Lopez worked in various roles across companies including Lululemon Athletica, Marriott International, and Walt Disney World Parks and Resorts. Charles Schwab & Co., Inc. serves primarily 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, employing multi-asset model portfolios and a centralized operational structure.

Stella Shen is a financial advisor at OSAIC with a Series 66 designation and less than one year of industry experience. Prior to joining OSAIC, she worked at Holistic Financial and Retirement Group and has a background that includes teaching positions at Tufts University, Andover High School, and Doherty Middle School. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services including financial planning, managed portfolios, and retirement plan consulting. The firm’s investment process is model-based and supported by risk assessments, portfolio optimization, and a variety of discretionary and third-party investment strategies.

Nancy Libardoni is a financial advisor with LPL Enterprise LLC, holding a ChFC® designation and Series 63 and 65 licenses, with 25 years of industry experience. She has been with LPL Enterprise since 2025 and previously operated Libardoni Financial from 2019 to 2025. Prior to her advisory career, she worked at Gilbane Building Company for eight years. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, banks, and charitable entities. The firm emphasizes model-driven investment implementation, offering access to third-party asset managers, financial planning, and affiliated trust and insurance services.

Jonathan Maniscalco is a financial advisor at Cetera with a Series 66 credential and two years of industry experience. His prior roles include positions at Commonwealth Financial Network, Lexington Financial Group, and NOVA. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers, overseeing more than $256 billion in assets with over 10,000 advisors nationwide.

Mark Nichols is a financial advisor at OSAIC with 20 years of industry experience. He holds Series 63, 65, and 66 credentials and has previously worked at Woodbury Financial Services for 16 years. Nichols also owns a CPA firm providing accounting and tax services and serves on the investment committee for Pike School’s endowment fund. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization supported by risk assessment tools and offers access to discretionary strategies and third-party managers.

Dale Lewis is a CFA® charterholder and holds a Series 66 license, with seven years of industry experience. He is currently affiliated with Cetera and has prior experience at firms including LPL Financial and Avantax Advisory Services. Outside of his advisory work, Lewis is the owner of Taxes and a Plan, a tax preparation and accounting services business. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers.

Kevin Collins is a financial advisor with Morgan Stanley in Nashua, NH, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at Morgan Stanley since 2009 and previously spent six years at J.P. Morgan Securities. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services supported by firm-approved tools and investment research. The firm manages approximately $2.74 trillion in client assets and provides tailored planning through its Financial Advisors and Estate Planning Strategies Group.

James Gibbons is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. His prior work includes roles at Equitable Advisors, Lowes, and Skidmore College. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, and various organizations.