Gerald D'Apice is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2022. He works with individuals and families to develop personalized financial plans that address long-term risks and adapt to changing market conditions, aiming to align clients' portfolios with their personal financial goals. Gerald has been with Fidelity Investments since 2013 in various roles including Financial Consultant, Investment Consultant, Relationship Manager, and Financial Representative. Prior to that, he worked as a Client Services Representative at Empower from 2011 to 2013.

Tatyana Karayeva is a CFP®-certified financial advisor with 19 years of industry experience. She is currently with Mass Mutual Investors Services and MassMutual Life Insurance Co. Her prior experience includes roles at Morgan Stanley, Ameriprise, and various wealth management firms. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides comprehensive financial planning, asset management, and educational seminars, emphasizing collaborative, annual planning relationships.

Joseph Cataldo is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. Prior to joining LPL Financial in 2024, he worked at Lincoln Financial Securities for 16 years. He is also a licensed attorney operating the Law Offices of Joseph Cataldo PC, where he provides legal and tax preparation services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Andrew Kirk is a CFP® with 22 years of industry experience. He is currently with LPL Financial, where he has worked since 2018, following prior roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Sean Oliveira is a CFP®, CFA®, and holds a Series 66 license with 10 years of industry experience. He is currently with Cetera and has previously worked at JPMorgan Wealth Management and First Republic Investment Management. Oliveira is based in Reading, MA. Cetera Investment Advisers LLC is an SEC-registered adviser 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, overseeing over $256 billion in assets through a network of more than 10,000 advisors.

Ryan Arsenault is a Wealth Management Advisor with The Battaglia McCauley Group at Merrill Lynch Wealth Management. He began his career in financial services in 2013 and joined Merrill Lynch in 2019. Ryan provides investment and wealth management strategies tailored to entrepreneurs, corporate executives, retirees, and their families. His approach emphasizes clear communication, disciplined planning, and aligning investment decisions with clients' broader financial goals as their lives and priorities change. He collaborates regularly with clients' attorneys, accountants, and other trusted advisors to coordinate strategies effectively. Ryan holds a Bachelor's Degree from the University of New Hampshire and is a CERTIFIED FINANCIAL PLANNER® (CFP) certificant. He is also a Personal Investment Advisor (PIA) and participates in the UNH Alumni Boston Chapter. Outside of his professional work, Ryan is involved with the Greater Boston Food Bank and enjoys bowling, cooking, football, golfing, ice hockey, skiing, tennis, traveling, watching movies, and spending time with his family.

Mathew Silvagnoli Martinez is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. He previously worked at Bank of America, N.A. and LGA, LLP CPAs & Business. Outside of his advisory role, he works part-time as a bartender at Four Oaks Country Club. 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, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts.

George Hanscom is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 19 years of industry experience. He has been affiliated with Cetera and its related entities since 2016. Outside of his advisory role, Hanscom manages tax preparation and consulting services through George Hanscom & Associates and owns GJH Processing, a business focused on e-filing tax returns. Cetera Investment Advisers LLC serves a broad range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and operates a multi-manager platform with access to affiliated and third-party managers.

Daniel Heenan is a financial advisor with Ameriprise in Arlington, MA, holding a Series 63 designation and over 33 years of industry experience. He has been with Ameriprise and its predecessor entities since 2005. Outside of his advisory role, he has a business ownership unrelated to investment activities that is used solely to pay regular office bills. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendations and ongoing tax-aware retirement planning advice, using a centralized team that collaborates with individual advisors to support clients approaching or in retirement.

Alexander Martins is a financial advisor at LPL Financial based in Salem, MA, with two years of industry experience. He holds the Series 66 designation and has prior work experience at Salem Five Bank, Target, Giovanni's Pizza and Roast Beef, and Stop and Shop. Martins is also associated with a DBA for LPL business known as Salem Five Wealth Advisors. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, with access to various model portfolios, third-party research, and technology-driven investment strategies.

Renee Senes is a financial advisor with LPL Financial in Danvers, MA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She previously worked at VOYA Financial Advisors for six years before joining LPL Financial in 2021. Senes is a Certified Divorce Financial Analyst and teaches adult education courses on divorce planning and Social Security benefits. She is also an author of books addressing financial issues related to divorce. 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 advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios and research from internal and third-party sources.

Jonathan Brown is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill since 2005 and holds the CERTIFIED FINANCIAL PLANNER® designation awarded by the Certified Financial Planner Board of Standards, Inc. Jonathan is also a qualified Portfolio Manager and holds FINRA Series 7 and 66 registrations, being fully registered in all 50 states. He was recognized on the Forbes "Best-In-State Wealth Advisors" list from 2021 through 2026 and was named to the "Best-in-State Wealth Management Teams" list in 2025 and 2026. Jonathan specializes in providing tailored financial guidance to high net worth individuals, families, business owners, senior executives, and charitable organizations. His expertise includes disciplined asset allocation, open architecture investment management, tax-efficient strategies, concentrated stock management, alternative investments, retirement cash flow planning, exit planning for business owners, and trust and estate planning. He develops personalized financial strategies to meet the unique needs and long-term goals of his clients. He earned a Bachelor's degree in Economics and International Finance from Brandeis University. Jonathan is active in his community, serving as a board member for the Middleton Youth Softball Association and volunteering with local youth softball and soccer organizations. He lives on the North Shore with his wife and two daughters.

William Kindle is a financial advisor with Edelman Financial Engines, holding Series 65 and Series 63 licenses and bringing 30 years of industry experience. His prior roles include positions at Homestead Advisers Corp., Windham Capital Management, Foreside Fund Services, and Wellesley Asset Management. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individuals, retirement-plan participants, and institutional clients. The firm offers both discretionary and non-discretionary management through diversified model portfolios and combines a committee-driven proprietary process with planner delivery and online tools.

Jon Bicknell is a CFP®-designated financial advisor with 30 years of industry experience, currently affiliated with Cetera. His career includes roles at Cetera Advisors LLC, Investors Capital Corp., and Osaic FA, Inc. In addition to his advisory work, he is involved in fixed insurance sales, operates a financial services DBA, and is engaged in life settlements. Cetera Investment Advisers LLC distributes advisory services through a nationwide network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services via a multi-manager platform with discretionary and non-discretionary options.

Nicholas Bella is the Vice President, Financial Consultant at Fidelity Investments, a role he has held since 2025. He has been with Fidelity Investments since 2016, progressing through various positions including Financial Consultant, Investment Consultant, Relationship Manager, Investment Solutions Representative, Premium Relationship Associate, and Financial Representative - Full Trader. Throughout his tenure at Fidelity Investments, Nicholas has developed expertise in financial planning, investment strategy, and income planning tailored to meet the unique needs of clients and their families. He emphasizes advocacy, consistent communication, and clarity in working with clients to achieve their financial goals. No information regarding his education, credentials, personal interests, or community involvement was provided.

Katsiaryna Mosquera is a financial advisor at Merrill with five years of industry experience. She holds a Series 66 designation and has worked at both Merrill and Bank of America, N.A. since 2018. Prior to her advisory career, she was affiliated with the Russian Benevolent Society from 2013 to 2017. 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 strategies for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Gina Gillespie is the Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2014. She collaborates with clients to understand their personal and professional objectives and helps them develop tailored investment plans. Gina aims to empower her clients through a clear and collaborative approach to financial strategy. Her career in financial services spans over a decade, beginning as a Senior Internal Wholesaler with John Hancock Distributors from 2006 to 2010. She then served as Regional Representative and DCIO Regional Representative for John Hancock Funds between 2010 and 2012. In 2012, she joined Fidelity Investments as an Account Executive before advancing to her current role.

Aaron Piscia is a CFP® with 14 years of industry experience, currently serving as a financial advisor at Ameriprise Financial Services. He has previously worked at Raymond James & Associates and has been with Ameriprise in various capacities since 2020. Outside of his advisory role, he is involved in real estate ownership unrelated to his investment practice. 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 retirement income planning through written recommendations and ongoing advice, focusing on asset allocation, withdrawal strategies, and Social Security options.

Sean Farrell is a financial advisor at LPL Financial with 34 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at LPL Financial since 2022. Prior to that, he was with CUNA Mutual Group and CUNA Brokerage Services, Inc. for over three decades. He is also involved with Align Credit Union in a financial institution role. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Heather Hersey is a financial advisor with LPL Financial in Beverly, MA, holding Series 63, 65, and 66 licenses and 20 years of industry experience. Prior to joining LPL Financial in 2023, she worked at M&T Bank, Citizens Securities, Bank of America, Merrill, and Fidelity Investments. Outside of her advisory role, she operates a wellbeing coaching practice focused on mindfulness, yoga, and related activities. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a broad network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management along with research support from internal and third-party sources.