Qin Zhao is a CFP® and holds a Series 66 license with six years of industry experience. Qin has worked at Charles Schwab & Co., Inc. and Charles Schwab Bank SSB since 2024, following roles at Fidelity Investments, Edward Jones, and Bank of America. Charles Schwab & Co., Inc. serves a large client base mainly composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and applies a multi-asset model portfolio approach supported by centralized custody and operational integration.

Andrew Rautenberg is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds the Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a range of advisory programs. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and firm-approved processes to support its advisory services.

Robert Berman is a financial advisor at Mass Mutual Investors Services with 18 years of industry experience. He holds a Series 66 designation and has worked at Mass Mutual Investors Services since 2017, previously serving at MetLife Securities. Berman is also involved in outside insurance activities, including disability, fixed annuities, health, and life insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software for goal analysis and offers event-driven planning services such as divorce and estate-settlement planning.

James Mckay is a Certified Financial Planner (CFP®) with 41 years of industry experience. He has been with Merrill since 2007 and concurrently associated with Bank of America, N.A. since 2011. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Carter Castillo is a financial advisor at Fidelity with Series 66 and Series 63 credentials and one year of industry experience. Prior to joining Fidelity, he has held positions at companies including PepsiCo and Amazon. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery through a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction.

Michael Geary is a financial advisor with LPL Financial in Natick, MA, holding Series 63 and Series 66 licenses and bringing 52 years of industry experience. He previously worked at Ameriprise Financial Services for 12 years before joining LPL Financial in 2021. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients nationwide. The firm offers a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Sophie Barrow is a financial advisor with Mass Mutual Investors Services in Needham, MA, holding a Series 66 designation and two years of industry experience. She previously worked at Commonwealth Financial Network/Boston Wealth Strategies for six years. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides annual, collaborative planning engagements using firm-approved software and offers event-driven planning services such as divorce and estate settlement planning.

Claudia Rozas is a financial advisor at Fidelity with a Series 66 license and one year of industry experience. Her prior roles include positions at Cambridge Trust, Bank of America, and JVS Boston. She works at Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm utilizes a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across various investment vehicles.

Stephanie Izzo is a financial advisor at Morgan Stanley with 18 years of industry experience. She has been with Morgan Stanley Smith Barney since 2012. Izzo holds the Series 66 designation and is based in Wellesley, Massachusetts. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Jennifer Mccarthy is a financial advisor at LPL Financial with 27 years of industry experience. She holds the Series 63, Series 65, and Series 66 designations. Prior to joining LPL Financial in 2021, she worked at Horizon Wealth Partners, Inc., Christopher Pazienza, various insurance carriers, and Waddell & Reed, Inc. Outside of her advisory role, she has involvement in a business entity for tax and investment purposes. 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 and financial planning services, utilizing discretionary and non‑discretionary management supported by research, model portfolios, and technology-driven strategies.

Sean Tully is a financial advisor at Raymond James Financial with three years of industry experience. He holds a Series 66 designation and has previously worked at Bentley University and several country clubs. Sean is also an associate at North Atlantic Investment Partners, LLC, a support company related to his employer. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse range of clients, including individuals, high-net-worth individuals, corporations, and institutional investors. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports its clients through various advisory programs.

Ronald Gallagher is a Financial Advisor at Merrill Lynch Wealth Management with over 26 years of experience in the financial services industry. He specializes in developing customized portfolio strategies and comprehensive financial solutions to help clients achieve their long-term financial objectives. Ronald works closely with individuals, professionals, families, and business leaders to create personalized wealth strategies that align with their goals and evolving needs. Throughout his career, Ronald has held positions at several leading financial institutions, including Evergreen Investments, MFS Investment Management, and AIG. His background includes roles such as Regional Vice President at MFS Investment Management and AIG, where he oversaw markets in Northern California and the New England region respectively. Ronald holds a Bachelor's Degree from Champlain College and the Personal Investment Advisor (PIA) designation. Outside of his professional responsibilities, Ronald is actively involved in community activities such as Duxbury Youth Baseball and The Life Foundation. He resides in Weston, Florida with his fiancée, Alana, her two sons, and their Cavalier King Charles Spaniel, Gracie. He previously lived in Massachusetts, where he raised his three sons. Ronald enjoys alpine skiing, spending time on the water, traveling, and exploring ski resorts across the United States.

Stephen Mccourt is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 designations and bringing 43 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage services. The firm offers financial planning, access to model portfolios, third-party asset management, and a range of brokerage and insurance products via its integrated platform.

Scott Vander Veen is a financial advisor at LPL Enterprise with seven years of industry experience. He holds the Series 63 and Series 66 credentials. His prior work includes roles at MassMutual, MML Investors Services, The Prudential Insurance Company of America, and other financial services firms. LPL Enterprise serves a broad range of clients including individuals, retirement plans, charitable organizations, corporations, and institutional investors through advisory and brokerage channels. The firm offers financial planning, investment advisory services, and access to model portfolios, combining adviser programs with sales of financial products and insurance via affiliated entities.

Ellen Mccormack is a financial advisor at Wells Fargo Advisors with 13 years of industry experience. She has held roles at Wells Fargo Clearing and Wells Fargo Advisors since 2017. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services, including specialized planning for business-owner transitions, sports and entertainment, and special-needs analysis.

Matthew Waterhouse is a financial advisor at Equitable Advisors in Wellesley, MA, holding a Series 66 designation with nine years of industry experience. He has been with Equitable Advisors since 2017 and previously worked at AXA Advisors, LLC. Outside of his advisory role, he serves as a trustee for an immediate family member. Equitable Advisors serves a wide range of clients including individuals, high-net-worth clients, and institutions, providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and a broker-dealer, utilizing programs sponsored by LPL and other third-party managers to deliver advisory and brokerage solutions.

Ashton Burnett is a financial advisor with Equitable Advisors, holding a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, he held positions at Mavens, Aruza Marketing, and Atlantic Pure Water. Outside of his financial advisory work, he is employed as a server at Maven's, a non-investment related role. Equitable Advisors serves a diverse range of clients including individuals, high-net-worth, retirement plans, corporate, charitable, and institutional clients. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, working extensively through program sponsors and third-party managers to deliver advisory and brokerage solutions.

Mary Incera is a financial advisor with Ameriprise in Auburndale, MA, holding a Series 66 designation and five years of industry experience. Her prior work includes roles at State Street Global Advisors and Northeastern University. She is also involved with NET FLOWS LLC, an investment-related advisory business. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement planning through written Recommendation Reports and ongoing advice on income sources and tax-aware withdrawal strategies.

Robert Mac Donald is a financial advisor at Fisher Investments with 31 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Advised Assets Group, LLC, GWFS Equities, Inc, Voya Financial Partners, LLC, and VOYA Financial Advisors. He is based in Arlington, MA. Fisher Investments serves a global mix of institutional and private clients by providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized investment process combining quantitative and qualitative research and uses tax-aware strategies and risk management tools in constructing diversified portfolios.

Daniel Hoban is a financial advisor at Ameriprise with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Ameriprise and its affiliate since 2009. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendation reports, using a centralized consulting team and algorithmic tools to support tailored retirement income strategies.