Holly Robert is a financial advisor with Commonwealth Financial Network in Paxton, MA, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. She has been with Commonwealth since 1989. Outside of advising, she is president and owner of Fringe Benefit Management, Inc., a firm focused on retirement and employee benefit plan design and administration. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and back-office support, including investment management, compliance, and technology services, while allowing advisors discretion in portfolio construction.

Ryan Kittredge is a Certified Financial Planner (CFP®) with 20 years of industry experience. He has been with Private Advisor Group, LLC and LPL Financial since 2012. His other business activities include providing non-variable insurance products such as fixed life, disability, and long-term care insurance. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans with portfolio management, financial planning, and retirement plan consulting. The firm utilizes a fiduciary-based advisory model, employing a range of investment strategies and technology platforms while offering access to proprietary and third-party managed account solutions.

Moira Moynihan Manoog is a CFP® with 32 years of industry experience, currently serving as an investment advisor representative at Kestra Advisory. She has worked with Kestra since 2016 and has been affiliated with Kestra Investment Services and the James J. Moynihan Insurance Agency for over two decades. Outside of her advisory role, she is president of the Westwood Hills Improvement Association and serves as the Zone I Awards Chair for the Garden Club of America. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients. The firm offers services including fiduciary consulting, plan design, and employee education, and supports recommended investments through due diligence on performance, fees, and management.

Brendan Mulhearn is a CFP® and Series 65 credentialed advisor with three years of industry experience. He is currently with Moneta Group Investment Advisors, LLC and has prior experience at Constitution Capital Partners and Ernst & Young. Moneta Group Investment Advisors serves high-net-worth individuals, families, family offices, and institutional clients, offering portfolio management, financial planning, and family office services. The firm employs a partner-led team structure with a centralized investments department and an open-architecture selection process focused on asset allocation and manager due diligence.

Philip Mailloux is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 26 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for 18 years and has been with Commonwealth and Larson, Potter, Stratton & Cote since 2023. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing about $212.7 billion in client assets. The firm offers a comprehensive adviser-support platform, including managed-account programs, access to third-party asset managers, and custody and clearing services.

Brady Dow is a financial advisor at Commonwealth Financial Network with one year of industry experience. He holds the Series 66 designation and has prior experience at Midstate Wealth Management and in residence life at Worcester State University. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and their clients. The firm offers a broad adviser-support platform, including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Peter Cardoza is a CFP® professional with over 33 years of experience in the financial services industry. He has worked at Commonwealth Financial Network since 1999 and was previously with CSR Financial Services, LLC for 20 years, where he served as president and co-owner. Outside of his advisory work, he serves as a Leo Club Advisor with the BVT Leo Club. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser supporting a national network of nearly 2,900 advisors. The firm provides a broad platform of managed-account programs, third-party asset manager access, and back-office services to individual and institutional clients.

Patrick Hoey is a financial advisor with Commonwealth Financial Network in Worcester, MA, holding Series 63 and Series 66 licenses and having 10 years of industry experience. He has worked at Commonwealth Financial Network since 2020, with prior roles at Jackson National Life Distributors and John Hancock. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and services, including custom and model portfolios, supported by comprehensive operations, trading, technology, and compliance platforms.

Ashley Riley is a Series 66-licensed financial advisor with Commonwealth Financial Network and Bartholomew & Company Wealth Management, LLC, with 10 years of industry experience. She is based in Worcester, MA. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and hundreds of thousands of individual and institutional clients, offering a broad adviser-support platform that includes managed-account programs, access to third-party asset managers, and custody and clearing services.

Matthew Dunn is a financial advisor with Foundations Investment Advisors LLC, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has worked at Foundations Investment Advisors since 2017 and has prior experience with Financial Resource Partners and Ameritas Life Insurance Corp. Dunn also operates a sole proprietorship involved in the sale of fixed life insurance and annuities. Foundations Investment Advisors provides financial planning and portfolio management to individual, high-net-worth, and institutional clients through a large network of affiliated offices. The firm employs a combination of fundamental, technical, and cyclical analysis and offers tailored advice using model portfolios and an asymmetric rebalancing approach.

Ashley Rieser is a CFP® professional with 10 years of experience in the financial services industry. She has worked at Moneta Group Investment Advisors, LLC since 2022 and previously held roles at Saxony Capital Management and Saxony Securities. Rieser holds a Series 66 license and is based in Worcester, MA. Moneta Group Investment Advisors serves high-net-worth individuals, families, trusts, and institutional clients, offering portfolio management, financial planning, family office services, and concierge offerings. The firm employs a Partner-led Team model supported by a centralized Investment Department and provides diversified, multi-asset allocation strategies alongside niche services such as planning for professional and developing athletes.

John Potter is a financial advisor with Commonwealth Financial Network in Worcester, MA, holding a Series 63 license and 32 years of industry experience. He has been with Commonwealth since 2014 and also works at Larson, Potter, Stratton & Cote Financial since 2018. Outside of his advisory roles, he is the owner of Potter Wealth Management, Inc. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and hundreds of thousands of clients. The firm provides a comprehensive adviser-support platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Richard Patient is a financial advisor with Money Concepts Capital Corp in Worcester, MA, holding a Series 66 designation and 27 years of industry experience. He has been with Money Concepts since 1997 and operates a CPA firm, Patient, Lynch & Associates, PC, where he serves as president. Money Concepts Advisory Service provides portfolio management, financial planning, and consulting to a diverse client base including individuals, pension plans, trusts, charitable organizations, and corporations. The firm employs a range of investment programs utilizing model portfolios, third-party sub-advisers, and a combination of fundamental and technical analysis.

Paul Pietro is a financial advisor with SPC in Worcester, MA, holding the ChFC® and Series 63 designations and bringing 43 years of industry experience. His prior work includes roles at Parkland Securities, Sigma Planning Corp., Midland National Life Insurance, and Mid State Insurance Agency. He serves as a director for Bears on Board, Inc., a nonprofit providing teddy bears to children in crisis through first responders. SPC serves a diverse client base, including individuals, charitable organizations, corporations, and retirement plans, managing approximately $5.66 billion in assets. The firm offers portfolio management, financial planning, and ERISA-related retirement plan services, with a corporate structure that integrates affiliated broker-dealers and insurance agencies alongside fiduciary advisory functions.

James Goulet is a financial advisor with Commonwealth Financial Network in Worcester, MA, holding a Series 66 designation and having 21 years of industry experience. His career includes positions at Commonwealth Financial Network since 2019, Cetera from 2016 to 2019, and he has been associated with Goulet, Salvidio & Assoc. PC since 1972. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and hundreds of thousands of individual and institutional clients. The firm provides a broad adviser-support platform with discretionary and nondiscretionary managed-account programs, access to third-party asset managers, and various custodial and clearing services.

John Diconza Jr. is a financial advisor with Wells Fargo Clearing in Worcester, MA, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary options. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Joseph Isabelle is a Financial Consultant at Fidelity Investments, a position he has held since 2023. He partners with individuals and their families to create financial plans aimed at minimizing hidden risks in retirement. Joseph has extensive experience at Fidelity Investments, having served in various roles since 2001. His previous positions include PAS Financial Consultant, Investment Solutions Consultant, Portfolio Specialist, Client Management Representative, and Financial Representative. This diverse experience provides him with a comprehensive understanding of financial consulting and investment solutions.

Ana Panori is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and possessing 11 years of industry experience. Her prior work includes roles at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise serves a broad client base including individuals, high-net-worth investors, retirement plans, and corporate and charitable entities. The firm employs a model-driven investment approach, offering financial planning, access to third-party asset managers, and participation in a wrap program.

Jim Callahan is a Financial Consultant currently working at Fidelity Investments, a role he has held since 2015. Prior to this, he served as an Investment Consultant at Fidelity Investments from 2013 to 2015. His career also includes experience as Director of Participant Services and Manager of Operations at Mercer from 2004 to 2013, as well as positions at Putnam Investments from 1999 to 2004. With over 25 years of experience in the financial industry, Jim focuses on understanding clients' goals, priorities, and concerns to develop personalized financial plans. He emphasizes thoughtful guidance, ongoing education, and building long-term relationships based on trust and communication. His professional expertise encompasses investment consulting, participant services, and operational management within leading financial firms.

Alfred Hargrave Jr. is a financial advisor at Cetera with Series 63 and Series 65 credentials and 24 years of industry experience. He has worked at Cetera and affiliated entities since 2002 and is also president of McCarthy Hargrave Wealth Management. Outside of his advisory roles, he serves as treasurer on the board of the Worcester Children’s Chorus, a nonprofit organization. Cetera Investment Advisers LLC provides advisory services through a nationwide network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with diverse portfolio management options and discretionary and non-discretionary programs.