Arthur Larm is a financial advisor at Primerica Advisors with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Primerica Advisors and Primerica Financial Services since 1995. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm uses a tiered wrap fee structure and curates third-party asset managers while delegating model implementation to BNY Mellon Advisors.

Daniel O'Neill Jr. is a financial advisor with LPL Financial in Westwood, MA, holding Series 63 and Series 65 credentials and 29 years of industry experience. He previously worked at Wells Fargo Clearing for nine years before joining LPL Financial in 2025. Outside of his advisory role, he is involved in a non-variable insurance business. 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 advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Sandra Grover is a financial advisor with Merrill, holding a Series 66 designation and 14 years of industry experience. She has been with Merrill since 2011. Outside of her advisory role, she serves as Power of Attorney for family trusts and related fiduciary responsibilities. Merrill, through its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients using model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

George Haffenreffer is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. His background includes roles outside finance, such as positions at Stone Painting Co. and teaching at Cape Elizabeth High School and Middle School. Equitable Advisors provides financial planning, retirement consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm utilizes a range of advisory programs, including third-party asset managers and LPL-sponsored platforms, focusing on aligning client risk tolerance with appropriate investment models.

Justin Hayward is a financial advisor with Mass Mutual Investors Services in Needham, MA, holding a Series 66 credential and 13 years of industry experience. He has worked with MML Investors Services LLC and MassMutual Life Insurance Company since 2013. Outside of his advisory role, he is active in real estate sales and insurance sales. MassMutual Investors Services 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, and educational seminars with a focus on collaborative, annual planning engagements using firm-approved analytical tools.

Chad Bearce is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and three years of industry experience. His prior experience includes roles at Edward Jones and Northwestern Mutual Investment Services, LLC. Outside of finance, he has been involved in restaurant management and operated a property maintenance business. 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 affiliation with a municipal advisor.

Andrew Kofman is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has six years of industry experience. Prior to joining Cetera in 2025, he spent five years with Avantax Advisory Services and has operated his own CPA practice since 2014, providing tax preparation services for individuals and businesses. He is also a licensed attorney, though he does not actively practice law. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a variety of portfolio management and financial planning services and supports multiple investment program options, including model portfolios, third-party managers, and customized strategies.

Robert Daly is Vice President and Financial Consultant at Fidelity Investments. In this role, he works closely with clients to develop investment strategies and design plans aimed at achieving their financial goals, emphasizing proactive planning to support their envisioned retirements. He has been with Fidelity Investments since 2014, progressing through positions including Financial Representative, Relationship Manager, Investment Consultant, and Financial Consultant before his current role as Vice President. His experience encompasses various aspects of financial consulting and client relationship management. Robert holds a California Insurance License.

Frank Deleo Jr. is a financial advisor with LPL Financial, holding the ChFC® designation and Series 63 license, and has 44 years of industry experience. He has been with LPL Financial since 2004. Outside of advising, he is involved as a basketball official with the Association of Approved Basketball Officials. 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 advisory and brokerage services, including financial planning and access to third-party asset management, supported by advanced operational tools and a broad non-advisory financial platform.

John Walsh is a CFP® with 33 years of industry experience. He is currently affiliated with Cetera and has previously worked at Commonwealth Financial Network for over three decades. Walsh is also involved in fixed insurance sales at his branch location. Cetera Investment Advisers LLC provides services through a nationwide network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients with a range of portfolio management and financial planning options.

Ryan Kennedy is a financial advisor at Thrivent Investment Management, holding a Series 66 designation with one year of industry experience. His prior work includes roles at Thrivent Financial, Weymouth Public Schools, Everwood Day Camp, DoorDash, and Target. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based financial analyses and planning without discretionary trading authority. The firm offers these services through a network of advisors, combining planning with managed-account programs under a consolidated billing option called WealthPlan.

Dennis Seeley Jr. is a financial advisor with Charles Schwab in Framingham, MA, holding a Series 66 credential and over 20 years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2022 and previously held positions at TD Ameritrade Investment Management and Scottrade. Outside of his advisory role, he is a part owner of Salon Moxie, LLC, where he assists occasionally. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory programs, offering both non-discretionary and discretionary investment options with integrated brokerage, custody, and advisory services.

Jill Ledgewood is a financial advisor at Ameriprise with 20 years of industry experience. She holds Series 65 and Series 66 licenses and has worked at several firms, including Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and Metlife Securities Inc. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides tailored, non-discretionary retirement planning advice through a written Recommendation Report and ongoing annual guidance.

Michael Tow is a financial advisor with Cambridge Investment Research Advisors in Brookline, MA, holding the CFP® designation and securities licenses Series 63 and Series 65. He has 32 years of industry experience, including roles at Cambridge Investment Research Advisors and New Boston Financial Group. Outside of advisory work, he is involved in acting, serving on the board of a nonprofit organization, and coaching pickleball. Cambridge Investment Research Advisors serves a diverse client base including individuals and institutional clients such as pension and charitable organizations. The firm provides financial planning, investment management, and retirement-plan advisory services, offering access to multiple platforms and proprietary model strategies through thousands of financial professionals.

John Creahan Jr is a financial advisor with Morgan Stanley who holds Series 63 and Series 66 licenses and has 36 years of industry experience. He has worked at Morgan Stanley since 2013 and has been with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides its services through Financial Advisors and specialized planning groups.

Paul Kapur is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 credentials and bringing 25 years of industry experience. He has been with Raymond James since 2016 and has additional experience with KTS Financial Group, LLC. Outside of his advisory work, Kapur holds ownership roles in several rental real estate properties and serves as a licensed real estate broker for his personal transactions. Raymond James Financial Services Advisors, Inc. provides a range of financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers non-discretionary planning and investment consulting tailored to client goals, supported by analytical tools and specialized programs including municipal advisory and SIMPLE IRA employer consulting services.

Adam Sachs is a CFP® professional with 32 years of experience in the financial industry. He has worked at OSAIC since 2018 and previously held roles at Global Laminates, John Hancock Life Insurance Co., and Signator Investors, Inc. Sachs serves on the board of directors and as Vice President of Government Relations for the Massachusetts chapter of the National Association of Insurance and Financial Advisors (NAIFA) and is involved in local community organizations including the Ashland Business Association and a nonprofit focused on financial wellness. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, providing advisors with tools for discretionary and advisor-managed strategies as well as access to third-party managers and proprietary models.

Ann Decaprio is a CFP® professional at LPL Financial with 18 years of industry experience. She has been with LPL Financial since 2008 and holds a Series 66 license. Outside of her advisory role, she is also a notary public. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services through a large network of investment adviser representatives, using model portfolios, third-party subadvisors, and customized strategies.

Curtis Rafter is a CFP®-certified financial advisor at RBC Capital Markets with seven years of industry experience. He has previously worked at Mass Mutual Life Insurance Company, Mass Mutual Investors Services, Horner Townsend & Kent, Penn Mutual Life Insurance Company, and Needham Bank. RBC Wealth Management serves a diverse client base, including individual investors, institutional clients, and charitable organizations, offering a range of advisory programs with tailored portfolio management and financial planning services.

Robert Weedon is a financial advisor at Equitable Advisors with one year of industry experience. He holds the Series 66 designation. Prior to joining Equitable Advisors, his background includes roles at Applied Radar and Balsamo Associates, as well as work in several service and hospitality positions. Equitable Advisors serves individual clients across a wide range of net worth, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment solutions.