Kathleen Sullivan is a financial advisor with Cetera, holding a Series 66 credential and one year of industry experience. She previously worked at Avidia Bank for 14 years before joining Cetera and Williams Financial Group in 2024. Outside of her advisory role, she serves as a notary and has been an independent beauty consultant since 2007. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, utilizing multiple program structures and access to third-party money managers.

Samuel Brand is a financial advisor with Edward Jones in Walpole, MA, holding a Series 66 designation and seven years of industry experience. His prior experience includes roles at Bank of America and Merrill from 2019 to 2021, as well as nine years of service in the US Navy. Outside of advising, he manages a rental property in Woburn, MA. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies. The firm has a large network of financial advisors and branch offices and offers affiliated mutual funds, tax-efficient services, and securities-based lending options under a fiduciary standard.

Bernard Konowski is a CFP® with 45 years of industry experience, currently serving at Cambridge Investment Research Advisors since 2009. Prior to this, he worked for 25 years at Creative Financial Planning. He also owns a tax preparation and consulting business and is active as a member of the Good Shepherd Parish Knights of Columbus Council. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services delivered through independent Financial Professionals who tailor strategies using both proprietary and third-party models across various platform arrangements.

Jonathan Jackson is a CFP®-certified financial advisor with Ameriprise in Needham, MA, bringing 28 years of industry experience. He has been with Ameriprise and its affiliated entities since 2015. Outside of his advisory role, he owns a job board domain named MothersHours, though the business has not been developed. Ameriprise provides retirement-income planning services focused on individuals with substantial investable assets, delivering tailored, non-discretionary recommendations through a centralized consulting team that utilizes algorithmic tools and research to support tax-efficient withdrawal strategies and Social Security planning.

Jonathan Lilja is a CFP® professional affiliated with Cetera who has 23 years of experience in the financial industry. He has been associated with Cetera Advisors LLC since 2014 and with Cetera since 2024. Outside of his advisory role, Lilja serves as a part-time EMT for the Town of Rockport Ambulance Department, is a conservation commission member, and a select board member for the Town of Rockport. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing multiple program structures and affiliations to provide diverse investment solutions.

John Postizzi Jr. is a financial advisor with Raymond James Financial Services Advisors Inc., holding a Series 66 designation and 26 years of industry experience. He has been with Raymond James since 2003, serving in its various capacities for over two decades. Outside of his advisory role, he owns a small simulator racing studio, Apex Predators Sim Racing LLC. 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 uses analytical tools to illustrate potential outcomes, supporting implementation through its advisory programs or other providers.

Jinping Xu is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and six years of industry experience. Prior to joining Cambridge, Xu worked at LPL Financial LLC and has operated JP Financials & Consulting LLC since 2018. Xu is also a Certified Public Accountant and owner of Beacon Tax Group LLC, providing tax services alongside advisory duties. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts by offering financial planning, investment management, and retirement advisory services through a network of independent professionals. The firm employs a variety of investment strategies and platform arrangements, combining proprietary and third-party models to meet client objectives.

Keith Gilbreath is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since joining Merrill in 2017, he has developed expertise in managing custom investment strategies on a discretionary basis, selecting from a range of Merrill Lynch model portfolios and third-party investment options. He focuses on client-centered financial planning, tailored to their long-term objectives. Keith's areas of specialization include college education planning, equity compensation services, LGBT wealth planning, managing new wealth, personal retirement planning, socially responsible and ESG investing, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's degree from Elon University. Outside of his professional role, Keith is active in his community and personal interests. He participates in the Hopkinton Running Club and Mensa. He contributes to local organizations such as the Greater Boston Food Bank, Hopkinton Youth Soccer, and Hopkinton Youth Lacrosse. Keith enjoys adventure sports, cooking, hiking, running marathons, soccer, traveling, and spending time with his wife Rachel, their two children, and their two dogs.

Scott Korn is a financial advisor with LPL Financial in Newton, MA, holding a Series 66 designation and 18 years of industry experience. He has worked at LPL Financial since 2016 and previously spent six years with Merrill. 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 advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive research and technology tools.

Daniel Cook is a CFA® charterholder and Series 63 licensee affiliated with Edward Jones. He has three years of industry experience, previously working nine years at Wellington Management before joining Edward Jones in 2022. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including a wide range of households, pension plans, and corporate and charitable organizations. The firm manages over $1 trillion in assets and offers various advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and proprietary mutual funds, operating under a fiduciary standard.

Ken Ludy is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2020. He has been with Fidelity Investments since 2001, progressing through various positions including Investment Consultant, Branch Service Manager, and Retirement Solutions Manager. Prior to joining Fidelity, Ken worked as a Financial Advisor at Morgan Stanley Dean Witter from 2000 to 2001. With over 24 years of experience in the financial services industry, Ken collaborates closely with families to develop personalized financial plans tailored to their unique needs at different stages of life. His approach emphasizes understanding clients as individuals and investors to help them work toward their financial goals. Outside of his professional career, Ken is interested in golf, parenthood, and skiing.

Kevin Stoddard is a CFA® charterholder with 30 years of experience in the financial services industry. He has worked at LPL Financial since 2017 and previously spent ten years at National Planning Corporation. He is also the president and owner of Stoddard Financial, LLC, a business he has been involved with since 2004. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, and institutional platforms, supported by a network of investment adviser representatives.

Lynette Forder is a financial advisor at Morgan Stanley in Worcester, MA, holding a Series 66 designation with three years of industry experience. Her prior work includes roles at Grafton Schools and Hordern Wealth Management, as well as periods focused on homemaking and extended travel. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and investment research.

Alexander Hamboyan is a Financial Advisor at Merrill Lynch Wealth Management with over 10 years of experience in banking, financial services, and financial advising. He has a background in Wealth Management and has held roles at Bank of America/Merrill, State Street Corporation, Brown Brothers Harriman, and a FinTech startup. He applies analytical and problem-solving skills to provide holistic financial advice that emphasizes cash flow analysis and tax efficiency through prudent investment selection in both taxable and retirement assets. Alexander focuses on retirement planning for individuals and families near or in retirement, especially those in the biotech, pharmaceutical, and scientific fields. He also provides guidance for younger individuals and families on college planning, tax-efficient investment strategies such as concentrated stock positions, employee stock options, executive compensation benefits, and customized goal-based financial planning. He works with clients to understand their risk tolerance, time horizon, and investment objectives to help them achieve their financial goals. Alexander holds the FINRA Series 7 and 66 registrations, Massachusetts Life, Accident, Health, and Sickness Insurance Licenses, and the Chartered Retirement Planning Counselor™ (CRPC™) and Accredited Wealth Management Advisor™ (AWMA™) designations. He earned his Bachelor's Degree from the University of Massachusetts Amherst and is affiliated with the College For Financial Planning. Outside of work, he enjoys golfing, skiing, hiking, fishing, traveling, and spending time with his wife Claudia, daughter Evelyn, and family and friends in Massachusetts, Maine, and across New England.

Joel Malo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Samuel Goldberg is a CFP® professional with 27 years of industry experience, currently associated with Raymond James Financial. He has held positions at firms including North Atlantic Investment Partners, Kruegold Asset Management, and Wells Fargo. Goldberg also serves as a co-trustee of a testamentary trust, managing its investments since 2006. 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 risk profiling and analytical tools, while supporting portfolio management through a large advisor network.

Jason Port is a financial advisor at Fidelity with Series 63, 65, and 66 licenses and four years of industry experience. His prior work includes roles at McLane Middleton, Choate, Hall & Stewart LLP, and Fidelity Personal Trust Company, FSB. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, as well as registered investment companies and a Charitable Gift Fund. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory solutions.

Jonathan Albano is a financial advisor at Cetera with 25 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 65 licenses. Since 2013, he has been affiliated with Cetera ADVISORS LLC and currently serves as a co-trustee for several client trusts. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Lee Schmertzler is a financial advisor at Cambridge Investment Research Advisors with 26 years of industry experience. He previously worked at Pinnacle Pension Consultants LLC and M Holdings Securities, Inc. Schmertzler holds Series 63 and Series 65 licenses and is also active as an independent insurance agent. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement-plan sponsors, and charitable organizations, offering financial planning, investment management, and retirement advisory services. The firm employs both discretionary and non-discretionary strategies across multiple platforms and maintains proprietary and third-party model portfolios.

Meaghan Harper is a financial advisor at Ameriprise with three years of industry experience. She holds a Series 66 designation and has worked at Ameriprise since 2017, following prior roles at Bath Savings Institution and Bentley University. Outside of her advisory work, she is involved with Array Services, LLC, through which she manages her advisory business. Ameriprise offers a retirement-income planning service tailored to individuals nearing or in retirement with substantial investable assets. The firm provides a range of advisory, brokerage, and insurance solutions and uses a combination of research, modeling, and tax-efficiency analysis to develop personalized retirement-income recommendations.