Gregory Pennini is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and 17 years of industry experience. He previously worked at LPL Financial for 13 years and held roles at Carrthaxton Financial Group, LLC. Pennini is also involved in fixed insurance sales and owns Carrthaxton Realty Trust, LLC, an entity that owns property where his sales branch is located. Cetera Investment Advisers LLC serves individuals, retirement plans, corporate and charitable clients, and institutional accounts through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers. The firm supports a broad range of investment strategies and manages over $256 billion in assets with more than 10,000 advisors nationwide.

Jack Ciccariello is a Planning Consultant at Fidelity Investments, where he collaborates with Financial Consultants to assist in creating and maintaining customized financial plans for clients. He has held various roles at Fidelity Investments since 2021, including Relationship Manager from 2022 to 2024 and Financial Representative from 2021 to 2022. Jack's professional experience encompasses financial planning and client relationship management within the investment sector. He focuses on supporting Financial Consultants to deliver tailored financial solutions. Outside of his professional responsibilities, Jack has personal interests in food, football, movies, pets, running, and traveling.

Daniel Wagner is a financial advisor with Ameriprise who holds the Series 66 designation and has 20 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Wagner also manages an independent advisory business through OC&C Inc. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored planning and ongoing advice focused on reliable income sources and tax-aware withdrawal strategies for clients nearing or in retirement.

Derek Cyr is the Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2025. He has been with Fidelity Investments since 2011, progressing through various positions including Financial Consultant, Senior Portfolio Specialist, Portfolio Specialist, Client Management Representative, Investment Service Representative, Full Trader, and Defined Contribution and Benefit Representative. Throughout his tenure at Fidelity, Derek has developed expertise in financial consulting and portfolio management. He focuses on partnering with clients to help them make educated decisions about their financial goals, aiming to personalize interactions to assist individuals in growing, protecting, and distributing their wealth. Derek is committed to providing an educational and welcoming experience that fosters trust between Fidelity and its clients, including their extended families. No information about his education or personal interests has been provided.

Melissa Tulley is a financial advisor at Merrill with 20 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2009. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Meehan is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. His prior roles include four years with Lincoln Financial Advisors Corporation and an earlier tenure at LPL Financial. He also operates Meehan Financial Services, a business related to his advisory work and non-variable insurance. 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 various financial planning and investment services through a large network of advisors, utilizing model portfolios, third-party subadvisors, and tailored strategies supported by operational and research tools.

Eleni Liakakis is a CFP® with 17 years of experience in the financial services industry. She has worked at Cetera and its affiliated entities since 2019, and previously spent nine years at Foresters Financial Services. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of investment program options and third-party managers.

Paul Bentubo Jr. is a Series 66-registered financial advisor at Fidelity with two years of industry experience. His prior roles include positions at Northwestern Mutual and O'Neill and Associates. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a systematic investment process combining proprietary research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and funds.

Jason Tholander is a financial advisor with Raymond James Financial, holding a Series 66 license and 25 years of industry experience. He has been with Raymond James Financial Services Advisors since 2016. Outside of his advisory role, he manages a property used as a branch office and is involved in supporting related business activities. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, 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 municipal advisor affiliation.

Pete Krug is the Vice President and Branch Leader at Fidelity Investments. In this role, he leads a team of advisors serving clients in the greater Nashua community, focusing on helping them make educated and informed financial decisions for themselves and their families. Prior to this position, he served as Assistant Branch Leader at Fidelity Investments from 2018 to 2022. Pete and his team work collaboratively to support clients in progressing financially and co-creating thoughtful strategies aligned with their financial and life goals. His professional experience centers on leadership within Fidelity's branch operations. Outside of his professional responsibilities, Pete enjoys golf, hiking, spending time with pets, reading, skiing, and traveling.

Rama Yarram is a financial advisor at Merrill with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously with Citizens Securities, Inc. and Citizens Bank. Outside of advisory work, he is employed at Michaels Store in a customer service and cashier role. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, and institutional accounts.

Marc Young is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 credential and 20 years of industry experience. He has previously worked with Cantella & Co., Inc., Royal Alliance, Signator Investors Inc., Banc of America Investment Services, Inc., and Gunnallen Financial, Inc. Outside of his advisory role, he is an owner and partner at Cantella Capital Group LLC. Cambridge Investment Research Advisors serves a diverse client base including individual and institutional investors such as pension and charitable organizations. The firm offers financial planning, ongoing investment management, retirement-plan advisory, and wrap-fee programs, operating through thousands of financial professionals and managing a multi-billion dollar asset base across multiple platforms.

Sarah Sekula is a Wealth Management Planning Consultant at Fidelity Investments, a position she has held since 2025. She has been with Fidelity since 2020, progressively advancing through roles including Regional Center Planning Consultant, Client Services Team Leader, Investment Solutions Representative, and Customer Relationship Advocate. Her professional experience encompasses wealth management and client service within the financial sector. Sarah applies emotional intelligence in financial planning, aiming to provide a holistic approach tailored to each client's values and financial story. Sarah holds insurance licenses in Arkansas and California. Outside of work, she enjoys cooking and baking, exploring culinary interests, music and singing, and traveling.

Sean Tesoro is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with LPL Financial since 2008. Outside of his advisory role, Tesoro serves as an assistant swim coach for Reading Memorial High School. 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 portfolios, third-party asset management, and institutional platforms, supporting its network of over 22,800 advisors.

Nicholas Latham is a financial advisor with LPL Enterprise holding Series 63 and Series 66 credentials and four years of industry experience. He has previously worked with The Prudential Insurance Company of America, Pruco Securities LLC, NYLife Securities LLC, and New York Life. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach, offering access to third-party asset managers, financial planning, and insurance products through affiliated entities.

Michael Ryan is a CFP®-designated financial advisor with 21 years of industry experience. He has worked at OSAIC since 2018 and previously spent 13 years at Signator Investors, Inc. In addition to his advisory role, he is engaged in insurance sales and holds a partnership position at Boston Partners Wealth Management, LLC. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporations. The firm offers brokerage and advisory services through a multi-advisor platform, utilizing a model-based investment process with options for discretionary management, third-party managers, and proprietary strategies.

Bryan Herrera Burgos is a financial advisor at Thrivent Investment Management with two years of industry experience. He holds the Series 66 and Series 63 designations. Prior to joining Thrivent, he was with Fidelity Investments for two years and has held positions at TD Bank and other firms. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers goal-based, holistic planning across various financial topics, with options to integrate planning and managed-account services under a consolidated billing platform called “WealthPlan.”

Lee Schmertzler is a financial advisor with Cambridge Investment Research Advisors, Inc. He holds Series 63 and Series 65 credentials and has 26 years of industry experience. Prior to joining Cambridge in 2022, he worked at Pinnacle Pension Consultants LLC and M Holdings Securities, Inc. in roles spanning retirement plan consulting and securities. Schmertzler is also an independent insurance agent representing various insurance companies. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports discretionary and non-discretionary management through multiple platforms and proprietary model strategies under the Founders Gate Capital brand.

Judy Carryl Young is a financial advisor at Ameriprise with 26 years of industry experience. She has been with Ameriprise and its predecessor entity since 2005 and holds a Series 66 designation. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Michael Segreve is a financial advisor at OSAIC with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Fortis Investors, Inc. for over three decades before joining OSAIC in 2024. Outside of his advisory role, he serves as president of Segreve & Hall Insurance Associates, a property and casualty insurance agency, and Compass Financial Service Group Inc., which provides life and disability insurance products. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm employs a model-based investment approach emphasizing asset allocation, portfolio optimization, and offers a broad range of advisory and brokerage services through an extensive multi-advisor platform.