Laura Mchugo is a financial advisor at Goldman Sachs Wealth Services with 11 years of industry experience. She holds the Series 63 and Series 66 designations. Her prior roles include positions at The AYCO Company, L.P./Mercer Allied and John Hancock. Goldman Sachs Wealth Services provides financial planning, investment management, and advisory support to a diverse client base, including high-net-worth individuals, corporate participants, and institutional clients. The firm utilizes centralized investment resources and a range of discretionary and non-discretionary managers to deliver tailored wealth management solutions.

Seamus Mc Grath is a financial advisor with Voya Financial Advisors, Inc. in Boston, MA, holding a Series 66 designation and one year of industry experience. Prior to joining Voya, he worked at Merrill for two years. Outside of his advisory role, he works as a bartender at Providence Burger Bar. Voya Financial Advisors serves a diverse client base including individuals, institutions, and retirement plan sponsors, offering financial planning, portfolio management, and plan-sponsor consulting through a variety of program structures that emphasize non-discretionary, recommendation-based services.

Joseph Stone is a financial advisor with Kestra Advisory in Hingham, MA, holding Series 63 and Series 65 licenses and over 53 years of industry experience. He has worked with Kestra Advisory since 2016 and has prior experience with Kestra Investment Services, LLC and Berkshire Life dating back to 1981. Stone is also the owner of MSW Investment Related, a business involved in consulting, insurance, and investment advisory services. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base including institutional and individual investors. The firm offers services such as fiduciary consulting, plan design, investment advice, and employee education, and serves large clients including sovereign wealth funds, reflecting a broad and complex range of capabilities.

Jed Kelly is a financial advisor at Oppenheimer with 15 years of industry experience. He has been with Oppenheimer since 2012 and holds a Series 63 designation. Oppenheimer serves a diverse client base including individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm provides a variety of advisory and brokerage services, utilizing strategic asset allocation and manager selection across multiple investment strategies, with a mix of discretionary and non-discretionary management approaches.

Nicolino Zullo is a financial advisor with First Citizens Investor Services, Inc. in Boston, MA, holding Series 63 and Series 66 licenses and having 23 years of industry experience. His prior roles include positions at Merrill, TD Private Client Wealth LLC, RBC Capital Markets, and Bank of America. He also serves as president of the Andover Soccer Association. First Citizens Investor Services, Inc. provides advisory and brokerage services to individuals, pension plans, charitable organizations, and corporate entities, utilizing a client-focused process that incorporates fundamental, quantitative, and technical analysis across various investment products.

Cigdem Sonmez is a financial advisor at TIAA-CREF with three years of industry experience. She holds a Series 66 designation and has been with TIAA and its related entities since 2014. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs primarily to individuals connected with TIAA-administered employer retirement plans, as well as to trusts, estates, and corporate entities. The firm combines point-in-time planning with ongoing discretionary portfolio management, operating within a vertically integrated model that includes affiliated funds and donor-advised fund advisory services.

Erik Hacker is a ChFC® credentialed advisor with 29 years of industry experience, currently affiliated with Capital Analysts in Braintree, MA. He has worked at Capital Analysts since 1998 and Lincoln Investment since 2012, with prior experience at John Hancock Mutual Life Insurance Co. His other business activities include providing insurance sales and consultation. Capital Analysts serves individual and institutional clients through discretionary and non-discretionary portfolio management, offering model and custom portfolios managed by an in-house Investment Management & Research team. The firm collaborates closely with Lincoln Investment and provides a range of advisory services including retirement plan consulting and access to third-party managers.

Anthony Gasbarro is a financial advisor with VOYA Financial Advisors, Inc., holding Series 65 and Series 63 licenses and having two years of industry experience. Prior to joining Voya, he worked at Fidelity Investments for three years and is also involved with Gasbarro Fitness, a business he operates. VOYA Financial Advisors serves individual and institutional clients, providing financial planning, portfolio management, wrap programs, third-party money manager access, and plan-sponsor consulting. The firm offers advice primarily through recommendation-based, non-discretionary arrangements and operates both as an SEC-registered investment adviser and a broker-dealer.

Kevin Quilty is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 25 years of industry experience. He has been with Commonwealth Financial Network since 2010. Outside of advising, he is involved in fixed insurance sales as an agent and serves as a trustee for a family member’s account. Commonwealth Financial Network is a registered investment adviser that supports a national network of approximately 2,950 advisors and their clients through a range of advisory programs and services. The firm provides operations, trading, technology, investment management, compliance, and practice-management support, allowing advisors discretion in portfolio construction and access to proprietary model portfolios.

Patrick Evers is a financial advisor at Voya Financial Advisors, Inc. in Boston, MA, holding Series 65 and Series 63 licenses with one year of industry experience. Prior to joining Voya, he worked at Fidelity Investments for two years. Patrick has also held various roles outside the financial industry, including positions at DoorDash and Umass Amherst. Voya Financial Advisors, Inc. serves a diverse client base including individual and institutional clients, providing financial planning, portfolio management, and plan-sponsor consulting. The firm delivers advice through multiple program structures, primarily utilizing non-discretionary recommendations, and operates both as an SEC-registered investment adviser and a broker-dealer.

Emily Lynch is a financial advisor at Cerity Partners LLC with 12 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Bainco International Investors LLC and Newbury Street Capital Limited Partnership. Lynch is based in Boston, MA. Cerity Partners is an SEC-registered investment adviser serving a diverse client base including individuals, families, trusts, corporations, and institutional investors. The firm offers a range of services such as investment management, financial planning, tax and insurance support, and access to alternative and private-market investments, emphasizing diversified asset allocation and customized portfolio management.

Thomas Stephens is a financial advisor with Voya Financial Advisors, Inc. in Boston, MA, holding Series 63 and Series 65 licenses and 24 years of industry experience. His prior roles include positions at OneAmerica Securities, American United Life, Trinity, and Ameritas Life Insurance Corp. Voya Financial Advisors, Inc. serves a diverse client base including individuals, retirement plan sponsors, charitable organizations, and corporations. The firm provides financial planning, portfolio management, and consulting services through various program structures, emphasizing recommendation-based advice with a large portion of assets held in non-discretionary arrangements.

Adam Firely is a CFP® professional with eight years of industry experience, currently serving as an advisor at Focus Partners Wealth, LLC since 2021. Prior to this, he worked at myCIO Wealth Partners, LLC from 2016 to 2020. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, high-net-worth families, family offices, retirement plans, institutions, and businesses. The firm employs a long-term investment approach emphasizing tax and fee sensitivity within an enhanced open architecture framework that integrates active and passive strategies, separate account managers, private funds, mutual funds, and ETFs.

William Bradford is a Series 66-licensed financial advisor at Empower Advisory Group with 17 years of industry experience. His career includes positions at firms such as Citizens Securities, Santander Securities, Kestra Financial, and Carson Wealth. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm offers integrated services aligned with Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and annual rebalancing.

Nicholas Ferguson is a financial advisor with TIAA-CREF in Cambridge, MA, holding Series 63 and Series 66 licenses and seven years of industry experience. His prior roles include positions at Merrill and Bank of America N.A. from 2019 to 2024, as well as experience with New York Life Insurance Company and State Street Corporation. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm offers discretionary management through model portfolios and customized strategies while operating as investment adviser to the TIAA Donor Advised Fund.

Andrew Breare is a financial advisor at Voya Financial Advisors, Inc. in Boston, MA, holding Series 63 and Series 65 licenses with one year of industry experience. Prior to joining Voya, he worked at Fidelity Investments for two years. Voya Financial Advisors serves a diverse client base including retirement plan sponsors, charitable organizations, corporations, and high-net-worth individuals. The firm provides financial planning, portfolio management, and consulting services through multiple program structures with an emphasis on non-discretionary, recommendation-based advice.

Curtis Browne is a financial advisor at Voya Financial Advisors, Inc. with Series 65 and Series 63 licenses and one year of industry experience. His prior roles include positions at Manulife John Hancock Brokerage Services LLC, John Hancock, and Fidelity Investments. Voya Financial Advisors, Inc. serves a diverse client base including individuals, institutions, retirement plan sponsors, and high-net-worth clients. The firm offers a range of services such as financial planning, portfolio management, and plan-sponsor consulting through multiple program structures, often providing non-discretionary recommendations that require client approval.

James Fratello is a financial advisor at Independent Financial Group, LLC with 51 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at H. Beck, Inc. for 32 years, followed by Grove Point Investments, LLC and Grove Point Advisors, LLC. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm offers brokerage, portfolio management, financial planning, and retirement plan services through a national network of Investment Adviser Representatives and provides advisory programs via its AccessPoint platform and third-party asset managers.

Lindsay Hellmuth is a CFP® and holds a Series 66 license, with 11 years of industry experience. She is currently with Commonwealth Financial Network and T.A. Holland & Co, having previously worked at Cetera Advisor Networks. Her outside business activities include fixed insurance sales conducted at her branch location. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, providing a range of advisory programs and back-office support including operations, trading, technology, investment management, compliance, and practice-management services.

Catherine Farago is a financial advisor with Principal Financial Services, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. She has worked with Principal Securities Inc. since 2016 and has been involved with Principal Life Insurance Company since 2014, as well as operating C.A.S. Wealth Resources since 2011. Outside of her advisory role, she holds an outside sales position focused on the sale and service of fixed and life insurance products, annuities, disability insurance, and long-term care. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty U.S. military personnel stationed abroad. The firm offers financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions under various advisory and promoter arrangements.