Henrik Gulmann is a Wealth Management Advisor and Managing Director at Merrill Lynch Wealth Management, where he has been employed since 2000. He serves as a qualified Portfolio Manager within the Merrill Investment Advisory Program, managing client accounts across the United States using personalized and defined investment strategies. Henrik's client focus areas include education planning, investment consulting for defined contribution plans, retirement income, and socially responsible investing, among others. Henrik has over 25 years of experience in business management and finance. Before joining Merrill, he worked as a public accountant for PriceWaterhouseCoopers in San Francisco and Boston. He holds bachelor's degrees in Economics and Legal Studies from the University of California Berkeley. His professional designations include CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Outside of his professional work, Henrik is involved in his community as a trustee of Falmouth Academy. He lives in Falmouth, Massachusetts with his wife, Lara, and their three children, Ben, Erik, and Anna. He spends personal time hiking, traveling, and pursuing goals such as climbing various peaks in the United States and visiting continents worldwide.

Maria Ferguson is a financial advisor at Edward Jones in Hyannis, MA, with 14 years of industry experience. She has held Series 63 and Series 66 credentials and has been with Edward Jones since 2012. Outside of her advisory role, Ferguson volunteers for nonprofit organizations including WE CAN, where she participates in Financial Empowerment Sessions, and Sharing Kindness, assisting at community events. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a broad range of advisory programs and investment solutions supported by a nationwide network of over 23,700 financial advisors and more than 15,000 branch offices.

Lawrence Eppolito is a CFP® professional with 42 years of experience, currently affiliated with Raymond James Financial Services Advisors, Inc. since 2017. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors. He is also the president and majority owner of Eppolito, Carbone & Co., a non-investment-related support company. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, corporate, institutional, and nonprofit clients. The firm offers non-discretionary planning tailored to client goals and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Timothy Johnson is a financial advisor at Stifel with 46 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2009 and holds Series 63 and Series 65 designations. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, providing brokerage and advisory services along with fee-based financial planning. The firm’s investment approach utilizes proprietary methodologies from its Investment Strategy Group to offer asset allocation and planning analyses intended to inform client decisions.

Elizabeth La Croix is a financial advisor with Merrill, holding Series 63 and Series 65 designations and 25 years of industry experience. She has been with Merrill since 2004 and also worked at Bank of America N.A. beginning in 2022. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm uses model-based and discretionary strategies developed by internal and third-party managers and offers strategic asset allocation with options tailored for tax-sensitive investors.

Ekaterina Petrova is a Financial Advisor at Merrill Lynch Wealth Management. She specializes in helping clients navigate their financial goals and develop strategies tailored to their individual circumstances. Ekaterina’s professional background includes expertise in legacy planning, managing new wealth, portfolio management, socially responsible and values-based investing, individual and corporate investment strategy, and retirement income planning. She holds a Bachelor’s degree from the University of San Francisco and carries professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Ekaterina is proficient in English and Russian. Outside of her advisory role, Ekaterina participates in her local Homeowners Association and engages in personal interests such as boxing, camping, cooking, hiking, photography, reading, spending time with family, watching movies, and woodworking.

Scott Holcom is a financial advisor at Fisher Investments with 11 years of industry experience. He holds a Series 65 designation and has been with Fisher Investments since 2015. Fisher Investments serves a global mix of institutional and private clients, including pension and profit-sharing plans, foundations, investment companies, and high-net-worth individuals, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm combines quantitative screening, qualitative research, and centralized portfolio management to construct globally diversified portfolios and employs tax-aware strategies and defensive tactics to manage risk and positioning.

Timothy Garrity is a financial advisor with Morgan Stanley in Hyannis, MA, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm employs a structured planning process supported by proprietary tools and manages approximately $2.74 trillion in client assets.

Angelos Constantine is a financial advisor at Merrill with eight years of industry experience. He holds the Series 63 and Series 66 licenses and has worked at Bank of America and Santander Securities. 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 model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutional investors.

Jessica Dean is a financial advisor at Wells Fargo Clearing with a Series 66 designation and three years of industry experience. She has worked at Wells Fargo Clearing since 2019 and has prior experience at Doonan, Graves and Longoria LLC. Outside of her advisory role, she is involved with Rocket Dog Waffles, LLC, an entrepreneurial venture she has been part of since 2018. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Richard Rossomando is a financial advisor with Cetera, holding a Series 66 designation and 28 years of industry experience. His career includes roles at Morgan Stanley Smith Barney, Morgan Stanley Private Bank, LPL Financial, and Cetera Advisors LLC. In addition to his advisory work, he coaches soccer at the Massachusetts Maritime Academy. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and consulting services through a multi-manager platform with discretionary and non-discretionary program options.

Amy Doherty is a financial advisor with LPL Financial, holding a Series 66 designation and 16 years of industry experience. She has previously worked at Royal Alliance Associates, INC. and Jhfn Sii. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and various institutional services.

William Todd is a financial advisor with UBS Financial Services in Brewster, MA, holding a Series 63 designation and 47 years of industry experience. He has been with UBS since 1986, totaling 40 years at the firm. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Colin Hokanson is a financial advisor at Morgan Stanley in Hyannis, MA, holding a Series 66 designation with one year of industry experience. His prior work includes roles at Nasuni, Parse.ly - Automattic, Datadog, Oracle Netsuite, and the University of Colorado Boulder. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by advanced tools and investment research.

Sean Kelly is a financial advisor with LPL Financial in Osterville, MA, holding Series 63 and Series 65 licenses and 27 years of industry experience. He has been with LPL Financial and the Rockland Trust Investment Management Group since 2016, serving as Vice President and Portfolio Manager at Rockland Trust. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Eric Takach is a financial advisor with Ameriprise in Cotuit, MA, holding a Series 63 designation and 27 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet specific eligibility criteria, providing written recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research and modeling with advisory, brokerage, and insurance solutions typical of large institutional firms.

Alan Melanson is a CFP® with 27 years of industry experience, currently serving as a financial advisor at OSAIC since 2024. He previously worked at American Portfolios Financial Services, Inc. for eight years and has been involved with American United Life since 2014. In addition to his advisory role, Melanson operates Cape Cod Wealth Strategies, a business focused on insurance sales. OSAIC serves a wide range of clients, including individual investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services through a large network of financial advisors and multiple platforms. The firm employs a variety of asset-allocation tools and third-party arrangements to construct diversified portfolios and supports both discretionary and non-discretionary account management.

Matthew Klett is a financial advisor with LPL Enterprise holding a Series 66 designation and one year of industry experience. His prior roles include positions at Cape Cod Financial Services and Tugboats, as well as work outside the financial sector at Skipper Chowder House. He also has experience as a student at the University of Massachusetts Dartmouth. LPL Enterprise, LLC serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and brokerage and insurance products via an integrated platform that combines adviser programs with active financial product sales.

Deborah Gwizd is a financial advisor at Merrill with 38 years of industry experience. She holds Series 63, Series 65, and Series 66 designations and has been with Merrill since 1997. Merrill, along 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michelle Metell is a financial advisor at Morgan Stanley with 26 years of industry experience. She has held her current role at Morgan Stanley Smith Barney LLC since 2009. She holds the Series 63 designation and is based in Hyannis, MA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs for individuals and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets.