John Maher is a CFA® charterholder with over 31 years of industry experience. He has been with Cetera and its affiliated entities since 2013. Outside of his advisory role, he is a co-owner of a vacation rental property in Snowmass, Colorado. Cetera Investment Advisers LLC is a large SEC-registered multi-manager platform that serves a broad range of clients including individuals, retirement plans, and institutional accounts, offering both discretionary and non-discretionary portfolio management and access to third-party money managers.

Paul Bruchez is a financial advisor with LPL Financial in Wellesley Hills, MA, holding a Series 66 designation and 25 years of industry experience. He has been affiliated with Linsco/Private Ledger Corp. since 2004 and operates a business under the name Bruchez & Associates. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives, offering a wide range of advisory programs and financial planning services.

Gregg Catsoulis is a financial advisor at OSAIC with 28 years of industry experience. He holds Series 63 and Series 65 credentials. His prior experience includes roles at Securities America Advisors, The Patriot Financial Group, and LPL Financial. Outside of advising, he is involved as managing partner of Patriot Benefit Services, a firm focused on fixed group insurance sales and service. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and investment advisory services, financial planning, and retirement plan consulting. The firm employs asset-allocation tools and risk-tolerance questionnaires to construct diversified portfolios across multiple asset classes.

Michael Fratto is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2019. He has been with Fidelity Investments since 2005, serving in various positions including Financial Consultant, Investments Representative, and Financial Representative. Prior to joining Fidelity, he worked at Smith Barney from 2000 to 2004, where he held the roles of Sales Assistant and Financial Consultant. Michael supports his clients in pursuing their financial goals through a process of planning, implementation, and ongoing monitoring. He holds a California Insurance License. Outside of his professional work, Michael enjoys family activities, football, and traveling.

Randy Frederick is a financial advisor at LPL Financial with five years of industry experience and a Series 66 designation. His prior work includes roles at Edward Jones and Hanscom Federal Credit Union. 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. The firm offers a range of advisory programs and financial planning services, with access to model portfolios, third-party research, and various portfolio management strategies.

Richard Moore Jr. is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been affiliated with Cetera Advisors LLC since 2013 and transitioned to Cetera in 2024. Outside of his advisory role, Moore is the owner of a travel baseball program, Energy Athletics, and serves as a notary public. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers across various program structures.

Trey Howes is a Financial Consultant at Fidelity Investments, where he collaborates with clients and families to develop comprehensive financial plans aligned with their goals. He has been with Fidelity Investments since 2022, progressing through several roles including Financial Representative, Relationship Manager, and Planning Consultant before assuming his current position in 2026. His career reflects experience in client relationship management and financial planning. Trey's professional journey at Fidelity demonstrates his commitment to helping clients navigate their financial futures through tailored consulting. Outside of his professional life, he has personal interests that include baseball, fishing, fitness, spending time at the lake, outdoor adventures, and caring for pets.

Sydney Pare is a Planning Consultant at Fidelity Investments, where they collaborate with families to understand their priorities, preferences, and financial goals. In this role, Sydney focuses on developing comprehensive financial plans that align with clients' overall financial situations. Sydney has held several positions at Fidelity Investments since 2021, including Relationship Manager, Financial Representative, High Net Worth Service Associate, and Customer Relationship Advocate. This progression reflects Sydney's experience in client relationship management and financial services within the company. Specific details regarding Sydney's education, credentials, personal interests, or community involvement were not provided.

Francis Randall is a financial advisor with LPL Financial in Worcester, MA, holding Series 63 and Series 65 credentials and 18 years of industry experience. His prior roles include positions at Edward Jones, Principal Securities, and Newport Group. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives, offering a range of advisory programs, financial planning, and brokerage services.

Harvey Albert is a financial advisor at RBC Capital Markets with 46 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at RBC Capital Markets since 2008 and City National Bank since 2019. Outside of his advisory role, he serves as an officer and treasurer on the board of Temple Emeth, a religious organization, where he assists with accounting and financial affairs. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm provides tailored portfolio management and financial planning services through various advisory programs and integrates capabilities from affiliated asset managers and capital markets operations.

Bruce Rogovin is a CFP® professional with 42 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. He holds Series 63 and Series 65 licenses. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and includes a broader set of financial product offerings, such as insurance-related vehicles and bank deposit sweep options.

Joseph Murphy is a financial advisor at LPL Financial with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at LPL Financial since 2025. His prior experience includes roles at Millbury Federal Credit Union and CUSO Financial Services, LP. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

Sheila Bulak is a financial advisor with Morgan Stanley, holding a Series 66 designation and 28 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and previously at Citigroup Global Markets beginning in 2006. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and offers planning services both directly and through corporate agreements.

David Mingori is a financial advisor at Mass Mutual Investors Services with 33 years of industry experience. He holds a Series 63 designation and has worked with Mass Mutual Investors Services since 2017, following prior roles at MassMutual Life Insurance Company and MetLife Securities Inc. Mingori is also an independent insurance agent specializing in life, accident, health, and long-term care insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, using firm-approved tools to support collaborative, goal-oriented planning engagements.

Anthony Psikarakis is a financial advisor with Ameriprise in Needham, MA, holding a Series 63 designation and 27 years of industry experience. He previously worked at American Express Financial Advisors Inc. for 22 years before joining Ameriprise in 2020. Ameriprise offers a retirement-income planning service targeted at individuals with significant investable assets, providing detailed, non-discretionary recommendation reports that incorporate research, modeling, and tax-efficiency analysis. The firm delivers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Logan Greene is a Financial Consultant currently working at Fidelity Investments. In this role, he partners with clients to understand their individual visions and goals, co-creating financial plans that aim to provide peace of mind through collaboration and thorough analysis. Logan's professional experience includes positions as a Financial Consultant and Investment Consultant at Fidelity Investments since 2022, as well as a Financial Advisor at Barnum Financial Group from 2021 to 2022. His approach focuses on understanding what is most important to each client and developing strategies tailored to their unique objectives. Outside of his professional work, Logan has interests in baseball, board games, fishing, golf, snowboarding, and volunteering.

Amelia Churchill is a financial advisor at RBC Capital Markets with a Series 66 designation and one year of industry experience. Prior to joining RBC, she worked for two years at KP Law, P.C. and has legal experience from her time at Lazan Glover & Pucilowski, LLP and the Law Offices of Scott A. Sanes. She also has a background in education with four years at Berkshire Waldorf High School and Trinity College, and was involved with The Marketplace Kitchen Table during that period. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients, offering a range of advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers. The firm provides discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services.

Gary Shilman is a financial advisor at Edward Jones with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Potomac Fund Management and BTS Asset Management. Shilman serves as a member of the Finance Committee for the Town of Natick, MA. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment strategies including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and offers services such as tax-efficient investing and proxy voting.

Michael Jankovic is a financial advisor with Merrill, holding a Series 66 designation and 14 years of industry experience. He has been with Merrill since 2012. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Matthew Sparrow is a Senior Financial Advisor at Merrill Lynch Wealth Management. He joined Merrill Lynch in 2008 after working with Morgan Stanley and Smith Barney beginning in 2002. In 2015, he joined the O'Brien Sparrow Wealth Management Group, where he continues to provide investment management and wealth planning services. Matthew received a Bachelor's Degree in Economics and Finance from Bentley University and holds the Portfolio Manager designation. He focuses on working with individuals, families, corporate executives, and institutions in areas including investment management, wealth planning, college education planning, corporate executive services, divorce transition planning, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. Matthew resides in Hopkinton with his wife and four children. His personal interests include football, tennis, spending time with his family, and traveling.