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 13 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Merrill for six years before joining Raymond James. Outside of her advisory work, she serves as a part-time master's swim coach. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional and pension plans, and municipal entities, offering financial planning and investment consulting with a range of portfolio strategies.

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.”

Ian O'Brien is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and nine years of industry experience. He has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved planning tools.

James Savarino is a financial advisor at OSAIC with 45 years of industry experience. He holds the ChFC® and Series 63 credentials and previously worked 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, a 501(c)(4) organization. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to construct portfolios across a range of investment vehicles.

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.

Patrick Hammond is a CFP®-certified financial advisor with seven years of industry experience, currently with Raymond James Financial Services Advisors, Inc. He has prior experience at Edward Jones, Putnam Investments, and Fidelity Investments. Outside of his advisory role, he co-owns a consulting business focused on coaching newer financial advisors on career development. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public-finance work alongside specialized employer advisory programs.

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. Peterson also teaches CFP-level courses at Suffolk University. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction.

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 Series 65 and Series 63 licenses and one year of industry experience. His prior roles include positions at Northwestern Mutual Investment Services LLC, Northwestern Mutual Life Insurance Company, and Active Directions. He also serves as a financial paraplanner for GenX Financial LLC. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs.

Richard Perry Jr. is a financial advisor at Cambridge Investment Research Advisors with 28 years of industry experience. He previously worked at Commonwealth Financial Network for 18 years before joining Cambridge in 2024. Perry also serves as a justice of the peace in Gloucester, MA, and holds a notary public commission in Danvers, MA. Cambridge Investment Research Advisors is an SEC-registered firm serving a diverse client base, including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through independent professionals, utilizing various custody platforms and a blend of proprietary and third-party investment strategies.

Daniel Regan is a financial advisor at LPL Financial with 25 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at NEXT Financial Group, Inc. and Enel North America. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

Nicholas Sangermano is a financial advisor with MassMutual Investors Services in Salem, NH, holding Series 63 and Series 66 credentials and possessing 25 years of industry experience. He has been with MML Investors Services and MassMutual Life Insurance Company since 2016. Outside of advisory services, he is licensed to provide indexed annuities and sales of life, health, disability, long-term care, fixed annuities, and equity fixed life insurance products. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap and money-manager programs, and educational seminars, delivering collaborative annual planning engagements that utilize firm-approved software and tools.

Stella Shen is a financial advisor at OSAIC with a Series 66 credential and one year of industry experience. Prior to joining OSAIC, she worked at Holistic Financial and Retirement Group and held positions in education at Tufts University, Andover High School, and Doherty Middle School. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers, providing integrated brokerage and advisory services, financial planning, and access to various investment platforms and third-party money managers. The firm employs multiple asset-allocation tools and offers both discretionary and non-discretionary management, with portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Nancy Libardoni is a financial advisor with LPL Enterprise, holding the ChFC® designation and Series 63 and 65 licenses, and has 25 years of industry experience. Prior to joining LPL Enterprise in 2025, she founded Libardoni Financial in 2019 and worked at Gilbane Building Company from 2010 to 2018. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and other institutions, offering financial planning, consulting, access to model portfolios, third-party asset management, and brokerage and insurance products through its integrated platform.

Robert Petrella is a financial advisor with LPL Financial in Danvers, MA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His prior roles include positions at New England Financial, Securian Advisors of New England, Minnesota Life Insurance Co, Navy Federal Brokerage Services, Global Investment Advisors, and Essex Securities. He is also involved in a fixed non-variable insurance business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including model portfolios and retirement plan consulting, and employs various investment strategies supported by in-house and third-party research.

Ian Clarke Pounder is a financial advisor with Raymond James Financial in Nashua, NH, holding Series 63 and Series 65 credentials and over 43 years of industry experience. He has been with Raymond James Financial and its related entity since 2009. Outside of his advisory role, he serves on the finance and investment committee of Bishop Guertin High School, a nonprofit private school, where he reviews the school budget and investment programs. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and high-net-worth clients, pension plans, corporations, charitable organizations, and institutional clients. The firm offers tailored non-discretionary planning and consulting using analytical tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Mark Nichols is a financial advisor at OSAIC with 20 years of industry experience. He holds Series 63, Series 65, and Series 66 credentials and previously worked for Woodbury Financial Services, Inc. for 16 years. Nichols also operates his own CPA firm, providing accounting and tax services, and serves on the investment committee for the Pike School. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to construct and manage a variety of investment portfolios.