Tracy Shea is a CFP® with 17 years of industry experience, currently affiliated with LPL Financial in Chelmsford, MA. Her career includes roles at Bay Financial Advisors, Metro Financial Strategies, Raymond James Financial Services, and Kaleel Investment Advisors. Outside of her advisory work, she serves as a notary in Massachusetts and contributes as a material updater for NOLO Publishing. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, and institutions. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Peter Mccauley is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. Prior to joining Fidelity, he held various roles at Fairfield University and worked in several other industries including food service and delivery. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction. The firm’s activities include discretionary portfolio management, fund advisory, and the use of AI-driven methodologies, along with a distinctive role advising multiple registered investment companies.

Ramou Taal is currently a Planning Consultant at Fidelity Investments, a position held since 2025. In this role, Ramou partners with individuals and families to develop holistic financial plans tailored to their goals and needs. Ramou has been with Fidelity Investments since 2023, progressing through roles including Customer Relationship Advocate, Investment Solutions Representative I, and Financial Representative before becoming a Planning Consultant. This experience has provided Ramou with a broad understanding of financial planning and client service within the investment industry.

Joseph Vita is a financial advisor with Cetera, holding Series 66 and Series 63 licenses and over 55 years of industry experience. His career includes roles at Cetera Wealth Services, LPL Financial, Trilogy Capital, and National Planning Corporation. He is also involved with Winchester Financial Group, where he serves as an investment advisor representative focusing on investments, financial planning, and insurance. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a nationwide network of independent advisors, utilizing a multi-manager platform with discretionary and non-discretionary account options.

Oluwatofunmi Ochi is a financial advisor at Charles Schwab with 10 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Charles Schwab and Charles Schwab Bank since 2021, following prior roles at Citizens Bank and Citizens Securities. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 offers a combination of non-discretionary and discretionary investment guidance with multi-asset model portfolios, supported by centralized supervisory, custody, and order-routing systems.

Jay Lynch is the Vice President and Wealth Planner at Fidelity Investments, a position he has held since 2018. He has been with Fidelity since 2004, progressing through roles including Financial Representative, Investments Representative, and Financial Consultant. With 22 years of experience, Jay specializes in helping clients protect, grow, and transfer their wealth, focusing on personalized financial planning. Throughout his career at Fidelity, Jay has developed expertise in wealth management and financial planning. He emphasizes a client-centered approach, working closely with individuals and families to achieve their financial goals. His professional journey reflects a commitment to leveraging Fidelity's resources to serve his clients effectively.

Jeffrey Arouth is a financial advisor with Ameriprise in Salem, MA, holding Series 63 and Series 65 designations and bringing 27 years of industry experience. Before joining Ameriprise in 2021, he worked at Salem Five Cents Savings Bank and LPL Financial from 2010 to 2021. Ameriprise offers a retirement-income planning service tailored for clients approaching or in retirement with substantial investable assets, providing detailed recommendation reports based on research, modeling, and tax analysis. The firm combines advisory, brokerage, and insurance solutions through affiliated entities, with a focus on managed accounts and algorithmic support in its retirement income planning.

Michael Cassa is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Outside of his advisory role, he is involved in an estate and investment-related business in Boynton Beach, Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm provides a variety of advisory programs, including tailored financial planning that utilizes firm-approved tools and methodologies such as Secular Return Estimates and Monte Carlo simulations.

Kathleen Hurley is a financial advisor with Morgan Stanley in Boston, MA, holding a Series 66 designation and four years of industry experience. Her prior roles include positions at Brown Brothers Harriman and Middlesex Savings Bank, as well as a period working at Providence College. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs focused on tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing tools such as Monte Carlo simulations and Secular Return Estimates.

Alphonse Antonitis is a CFP® with 39 years of industry experience, currently serving as a financial advisor at Morgan Stanley in Boston, MA. He previously worked at J.P. Morgan Securities and First Republic Securities Company. He is a trustee for the 401(k) and Pension Plan of the Roman Catholic Archdiocese of Boston. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and research.

Justin Knight is an Investment Consultant at Fidelity Investments, a role he has held since 2026. He specializes in partnering with individuals and families to develop financial plans tailored to their unique goals and needs, focusing on building and maintaining retirement and investment strategies that provide confidence and clarity for both the present and long term. Justin has accumulated a range of experience within Fidelity Investments, having held positions including Planning Consultant from 2024 to 2026, Relationship Manager in 2024, Financial Representative from 2023 to 2024, and Customer Relationship Advocate from 2022 to 2023. This progression reflects his extensive involvement in client-facing roles related to investment and financial planning services. Outside of his professional work, Justin enjoys a variety of outdoor activities including boating, football, golf, outdoor adventures, and skiing.

Brian Kiefer is a financial advisor with Ameriprise in Arlington, MA, holding Series 63 and Series 66 credentials and bringing 22 years of industry experience. He previously worked at RiverSource Distributors Inc for eight years before joining Ameriprise in 2023. Outside of his advisory role, Kiefer coaches first-time alpine downhill ski racers at Ragged Mountain Competition Programs. Ameriprise provides retirement-income planning services focused on individuals nearing or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver customized, written recommendations through a centralized consulting team while offering a broad range of advisory, brokerage, and insurance solutions.

Matthew Sachar is a CFP® professional with 25 years of experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He has been with Raymond James since 2008 and is also a partner at Coltcam Crowninshield LLC and Falcon Realty LLC, both involved in residential real estate. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, pension plans, charitable organizations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, utilizing asset-allocation analysis and firm research to develop tailored financial plans and investment recommendations.

Julia Gurzenda is a Planning Consultant at Fidelity Investments, where she partners with clients and their primary advisors to understand their financial goals and priorities. She develops personalized financial plans leveraging Fidelity's resources to support clients' unique financial journeys over time. Julia emphasizes clear and thoughtful communication to simplify financial decisions and build client confidence. Julia has been with Fidelity Investments since 2022, progressing through roles including Customer Relationship Advocate, Investment Solutions Representative, Relationship Manager, and currently Planning Consultant. Her experience within Fidelity has provided her with a comprehensive understanding of client relationship management and investment solutions. Outside of her professional responsibilities, Julia enjoys golf, hiking, horseback riding, reading, running, and skiing.

Gerard Lorden is a financial advisor with Morgan Stanley in Boston, MA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Lorden serves on the National Defense Industrial Association board and participates on strategic advisory councils related to national security and technology, including roles with OnPoint Technologies and Dynetics, as well as involvement with the MA Anti-Terrorism Advisory Council. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured tools and modeling techniques but does not include individual security recommendations as part of standalone planning.

Kavitha Ledwig is a financial advisor with LPL Enterprise, holding a Series 66 credential and one year of industry experience. She has prior experience in real estate services through Dave Ledwig Real Estate, where she has been involved since 2015. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, access to model portfolios, third-party asset management, and a range of brokerage and insurance products through its integrated platform.

Patrick Kiritsy is currently a Branch Leader at Fidelity Investments, where he leads a team of financial professionals focused on partnering with families to develop sound and sustainable financial plans. His role includes supporting his team to create client experiences that meet a high standard of care and professionalism. Patrick has held several positions at Fidelity Investments, including Team Leader roles in Executive Services and Workplace Planning & Advice, as well as positions such as Help Desk representative in Workplace Planning & Advice and Workplace Planning Consultant. These roles have contributed to his expertise in financial planning and leadership within the company. Outside of work, Patrick has interests in fitness, golf, music, pets, running, and traveling.

Chloe Griffiths is a financial advisor at Morgan Stanley in Boston, MA, holding Series 63 and Series 66 licenses with seven years of industry experience. Her career includes positions at Northwestern Mutual and several smaller firms before joining Morgan Stanley in 2019. Morgan Stanley Wealth Management serves both individual and institutional clients by offering comprehensive financial planning and advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools alongside its Financial Advisors and Estate Planning Strategies Group.

Daniella Iannuzzi is a Vice President and Financial Consultant at Fidelity Investments. She has been with Fidelity Investments since 2018, progressing through various roles including Fixed Income Operations Analyst, Financial Representative, Relationship Manager, Planning Consultant, Financial Consultant, and currently Vice President Financial Consultant. In her current role, Daniella partners with individuals and families to develop personalized wealth plans tailored to their unique financial needs. Her approach focuses on helping clients make sound financial decisions through all of life's ups and downs, with an emphasis on establishing trust and building long-term relationships. Daniella's extensive experience within Fidelity Investments spans operations, client relationship management, and financial consultation, providing her with a comprehensive understanding of financial planning and investment strategies.

John Spooner is a financial advisor with Morgan Stanley in Boston, holding Series 63 and Series 65 credentials and bringing 65 years of industry experience. He has worked at Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association, since 2015. Outside of advising, he contributes as an editor to Boston Magazine and writes books and articles related to investing. Morgan Stanley Wealth Management serves individuals and institutional clients with a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools, incorporating various modeling techniques, and offers both direct and employer-based financial planning services.