James Hastings is a CFP® with 13 years of industry experience, currently serving as an advisor at Hightower Advisors since 2019. Prior to joining Hightower, he worked at Lexington Wealth Management, Inc. for eight years. He also serves as the treasurer for the Framingham State University Foundation, which manages private gifts on behalf of the university. Hightower Advisors provides investment advisory and planning services to a wide range of individual and institutional clients, utilizing a multi-manager approach that includes affiliated and third-party managers, proprietary research, and diverse investment vehicles such as mutual funds, ETFs, and alternative investments.

James Leahey is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and over 26 years of industry experience. He has worked at Commonwealth since 2008 and previously was with Opus Investment Management, Inc. from 2004 to 2006. In 2026, he joined LPL Financial. 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 over $210 billion in client assets. The firm offers a broad range of adviser support services, including managed-account programs, access to third-party asset managers, and custody/clearing services.

Jonathan Maniscalco is a Series 66-licensed financial advisor with two years of industry experience. He is currently associated with Commonwealth Financial Network in Lexington, MA. His prior experience includes roles at Cetera, Lexington Financial Group, NOVA, and teaching positions at Clark University and the Bluedata International Institute. 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 hundreds of thousands of clients, managing around $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 services.

Joseph Fabiano is a financial advisor with Integrated Wealth Concepts LLC and holds a Series 63 designation. He has 21 years of industry experience and his prior firms include LPL Financial, LGA LLP, Lincoln Investment, and Kirkland Albrecht & Frederickson. Outside of his advisory work, he is the business owner of DDN Consulting LLC, a non-investment-related venture. Integrated Wealth Concepts LLC serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent financial advisors. The firm offers discretionary investment management, financial planning, and consulting services, employing a primarily long-term, customized portfolio approach using mutual funds, ETFs, individual equities, and fixed income.

Lauren Higgins is a CFP® with 15 years of industry experience. She has worked at O'Brien Wealth Partners LLC since 2006 and joined Mercer Global Advisors Inc. in 2025. O'Brien Wealth Partners provides fee-only investment advice and financial planning to individuals, families, businesses, nonprofits, pension plans, and endowments, managing approximately $1.1 billion in discretionary assets. The firm emphasizes capital preservation and diversification in its investment approach, utilizing mutual funds, exchange-traded funds, and other strategies guided by an investment committee.

Ryan Conant is a financial advisor at Integrated Wealth Concepts LLC with two years of industry experience. He holds a Series 66 designation and has previously worked at UBS Financial Services Inc., Baystate Financial, and LPL Financial among others. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, family office and retirement plan advisory services, utilizing customized portfolios and a combination of internal and third-party management.

Timothy McMaster is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and nine years at the firm. He has six years of industry experience and previously worked at Bentley University for four years. 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 managing roughly $212.7 billion in client assets. The firm provides a comprehensive support platform with discretionary and nondiscretionary managed-account programs, access to third-party asset managers, retirement and plan consulting, and custody and clearing services.

Brent Pacheco is a financial advisor with VALIC Financial Advisors and holds a Series 66 designation. He has two years of industry experience, including roles at VALIC and Agia, where he is also appointed as an agent to sell non-securities insurance products. Prior to his financial services career, he worked at Toyota of Dartmouth and attended the University of Massachusetts Amherst. VALIC Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction and management.

Samuel Niro is a Series 66-registered advisor with Commonwealth Financial Network, based in Waltham, MA. He joined Commonwealth in 2024 and has prior work experience at Blackstone Valley Naturals LLC, Home Depot, and Knapik Law Office. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser supporting a nationwide network of approximately 2,900 advisors and managing over $212 billion in client assets. The firm provides a comprehensive adviser-support platform that includes managed-account programs, access to third-party asset managers, retirement and plan consulting, and custody and clearing services.

Yina Bae is a financial advisor with Primerica Advisors in Needham, MA, holding a Series 66 designation and one year of industry experience. Her work history includes roles at Guardian Life Insurance Company, Park Avenue Securities, and Cadaret Grant & Co., Inc. Outside of her advisory work, she volunteers preparing tax returns for low- to moderate-income households and provides Korean-to-English interpretation and translation services for the International Institute of Buffalo. Primerica Advisors serves a broad retail client base, offering brokerage and advisory services along with financial planning and retirement-plan consulting. The firm utilizes a blend of proprietary and third-party investment strategies and supports a variety of account-level services including lending solutions and donor-advised funds.

Susan Arnold is a CFP®-certified financial advisor with 26 years of industry experience. She is affiliated with Private Advisor Group, LLC and is also an owner of Northward Financial Group, where she operates a financial services practice independently from Private Advisor Group. In addition to investment advisory services, Ms. Arnold provides tax advice and preparation, separate from her work at Private Advisor Group, and holds a license to sell insurance products on a commission basis. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by offering portfolio management, financial planning, retirement plan consulting, and access to various advisory programs. The firm’s fiduciary-based advisory model combines client goal setting with portfolio management or assistance in selecting third-party managers and model portfolios, utilizing multiple investment strategies and technology platforms.

Jeffrey Tancreti is a financial advisor at Focus Partners Wealth, LLC with six years of industry experience. He holds a Series 65 designation and previously worked at The Colony Group, LLC and GW & Wade, LLC. Prior to his advisory career, he spent eight years at the Massachusetts Office of Campaign and Political Finance. Focus Partners serves individuals, high-net-worth families, family offices, and institutional clients with a range of wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach using a blend of active and passive strategies under an enhanced open architecture framework.

Dennis Franson is a financial advisor at Commonwealth Financial Network with over 51 years of industry experience. He holds the Series 63 designation and has been associated with Commonwealth Equity Services, Inc. since 1994. Additionally, he is involved in fixed insurance sales, dedicating a small portion of his business hours to this activity. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, offering a range of advisory programs and services including wealth management, retirement plan consulting, and access to third-party asset managers. The firm provides operations, trading, technology, investment management, compliance, and practice-management support to affiliated advisors.

David Visini is a financial advisor at Citizens Securities, Inc. with three years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at JPMorgan Chase Bank, Santander Bank, and other financial institutions. Outside of his advisory role, he teaches tap dancing and assists with marketing at Refine Dance Studio, a family-owned business. Citizens Securities serves a broad retail client base including individual and high-net-worth investors, offering investment advisory programs alongside brokerage and insurance services. The firm provides both digital and managed account advisory programs and operates as a broker-dealer and insurance agency.

Douglas Padden is a financial advisor at CWM, LLC with 19 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at CWM since 2020. Padden also serves on the Board of Directors for the Wayland Public School Foundation, where he reports on investment performance to assist with grant allocations. CWM, LLC is an SEC-registered investment adviser serving individuals, families, foundations, endowments, corporations, and institutions through a network of over 600 advisors. The firm offers portfolio management, financial planning, and retirement plan services, managing accounts primarily on a discretionary basis using model portfolios overseen by an internal Investment Committee.

Xiaodong Wu is a financial advisor with Transamerica Financial Advisors in Waltham, MA, holding Series 63 and Series 65 licenses and possessing 11 years of industry experience. His career includes roles related to insurance and benefits with multiple companies such as Nationwide, Principal Life Insurance Company, and International Medical Group, among others. Wu also engages in selling various insurance products through independent contractor positions with several health and life insurance providers. Transamerica Financial Advisors serves a wide range of clients including individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers both advisory and broker-dealer services, utilizing proprietary and third-party model portfolios and delivering discretionary and non-discretionary investment programs.

Corrine Sonia is a financial advisor with Commonwealth Financial Network based in Framingham, MA. She holds a Series 66 designation and has 18 years of industry experience. Corrine has worked at KSP Financial Consultants since 2007 and has been involved with RE/MAX First Realty, Inc. since 2004. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and services, including discretionary model portfolios and personalized investment solutions, supported by extensive operations, technology, and compliance infrastructure.

Tara Verbeek is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 14 years of industry experience. She has been with Commonwealth Financial Network since 2011. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm offers a variety of advisory programs and services, including discretionary model portfolios and personalized investment solutions, while providing operations, trading, technology, compliance, and practice-management support to affiliated advisors.

Megan Berkowitz is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and five years of industry experience. Her career includes roles at Commonwealth Financial Network and James N Ball & Company. Outside of advising, she is involved as a scale house operator for Tom Berkowitz Trucking. 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 around $212.7 billion in client assets. The firm provides a broad adviser-support platform including managed-account programs, access to third-party asset managers, and custody services, working with clients to implement portfolios through both internally managed models and external platforms.

Joshua Benet is a CFP® professional with 23 years of experience in the financial services industry. He is affiliated with Commonwealth Financial Network and is a 50% owner and manager of Harvest Wealth Management, where he has been active since 2009. His work history includes two separate tenures at Commonwealth Financial Network totaling 16 years. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs and support services including investment management, compliance, and practice management. The firm offers access to diverse investment products and discretionary model portfolios, positioning itself as a platform and operations provider for affiliated advisors.