Jack Ciccariello is a Planning Consultant at Fidelity Investments, where he collaborates with Financial Consultants to assist in creating and maintaining customized financial plans for clients. He has held various roles at Fidelity Investments since 2021, including Relationship Manager from 2022 to 2024 and Financial Representative from 2021 to 2022. Jack's professional experience encompasses financial planning and client relationship management within the investment sector. He focuses on supporting Financial Consultants to deliver tailored financial solutions. Outside of his professional responsibilities, Jack has personal interests in food, football, movies, pets, running, and traveling.

Daniel Wagner is a financial advisor with Ameriprise who holds the Series 66 designation and has 20 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Wagner also manages an independent advisory business through OC&C Inc. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored planning and ongoing advice focused on reliable income sources and tax-aware withdrawal strategies for clients nearing or in retirement.

Derek Cyr is the Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2025. He has been with Fidelity Investments since 2011, progressing through various positions including Financial Consultant, Senior Portfolio Specialist, Portfolio Specialist, Client Management Representative, Investment Service Representative, Full Trader, and Defined Contribution and Benefit Representative. Throughout his tenure at Fidelity, Derek has developed expertise in financial consulting and portfolio management. He focuses on partnering with clients to help them make educated decisions about their financial goals, aiming to personalize interactions to assist individuals in growing, protecting, and distributing their wealth. Derek is committed to providing an educational and welcoming experience that fosters trust between Fidelity and its clients, including their extended families. No information about his education or personal interests has been provided.

Melissa Tulley is a financial advisor at Merrill with 20 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2009. 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.

Michael Meehan is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. His prior roles include four years with Lincoln Financial Advisors Corporation and an earlier tenure at LPL Financial. He also operates Meehan Financial Services, a business related to his advisory work and non-variable insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers various financial planning and investment services through a large network of advisors, utilizing model portfolios, third-party subadvisors, and tailored strategies supported by operational and research tools.

Eleni Liakakis is a CFP® with 17 years of experience in the financial services industry. She has worked at Cetera and its affiliated entities since 2019, and previously spent nine years at Foresters Financial Services. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of investment program options and third-party managers.

Paul Bentubo Jr. is a Series 66-registered financial advisor at Fidelity with two years of industry experience. His prior roles include positions at Northwestern Mutual and O'Neill and Associates. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a systematic investment process combining proprietary research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and funds.

Jason Tholander is a financial advisor with Raymond James Financial, holding a Series 66 license and 25 years of industry experience. He has been with Raymond James Financial Services Advisors since 2016. Outside of his advisory role, he manages a property used as a branch office and is involved in supporting related business activities. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique municipal advisor affiliation.

Nicole Abbott is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Her prior roles include work at Chapin's Bayside Restaurant, Pivot Marketing, and teaching positions at UMass Amherst. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, utilizing a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction in its investment process.

Rama Yarram is a financial advisor at Merrill with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously with Citizens Securities, Inc. and Citizens Bank. Outside of advisory work, he is employed at Michaels Store in a customer service and cashier role. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, and institutional accounts.

Dana Gilpatrick is a financial advisor with Cambridge Investment Research Advisors holding a Series 66 designation and 18 years of industry experience. She has been with Cambridge Investment Research Advisors since 2013. Outside of advisory work, she owns a tax preparation business named Tax Bracket Management and is an independent insurance agent. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, and charitable organizations, providing financial planning, investment management, and retirement advisory services. The firm offers a range of investment solutions through multiple platform arrangements, combining proprietary and unaffiliated strategies tailored to client objectives.

Joel Malo is a financial advisor with Wells Fargo Clearing in Waltham, MA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked at Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing, where he has been since 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s process is grounded in modern portfolio theory and includes a broader range of investment options, such as insurance-related vehicles and bank deposit sweep programs, than is typical for large institutional advisers.

Sean Tesoro is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with LPL Financial since 2008. Outside of his advisory role, Tesoro serves as an assistant swim coach for Reading Memorial High School. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting its network of over 22,800 advisors.

Lee Schmertzler is a financial advisor at Cambridge Investment Research Advisors with 26 years of industry experience. He previously worked at Pinnacle Pension Consultants LLC and M Holdings Securities, Inc. Schmertzler holds Series 63 and Series 65 licenses and is also active as an independent insurance agent. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement-plan sponsors, and charitable organizations, offering financial planning, investment management, and retirement advisory services. The firm employs both discretionary and non-discretionary strategies across multiple platforms and maintains proprietary and third-party model portfolios.

Judy Carryl Young is a financial advisor at Ameriprise with 26 years of industry experience. She has been with Ameriprise and its predecessor entity since 2005 and holds a Series 66 designation. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Michael Segreve is a financial advisor at OSAIC with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Fortis Investors, Inc. since 1992. Outside of his advisory role, he serves as president of two insurance-related companies, Segreve & Hall Insurance Associates and Compass Financial Service Group Inc., which focus on property and casualty as well as life and disability insurance. OSAIC serves a diverse client base that includes retail and institutional investors, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers through a large network of affiliated advisers. The firm utilizes asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios across a wide range of investment types.

Howard Goldstein is a financial advisor with Cetera, holding Series 63 and Series 65 designations and 27 years of industry experience. He has worked at Cetera since 1999 and has prior experience in accounting, including ownership of an accounting office in Framingham, MA. His background also includes roles at the U.S. Department of Defense and various accounting firms. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers portfolio management, financial planning, and access to multiple investment program platforms, supporting a multi-manager approach with over $256 billion in assets under management.

Phillip Wong is a financial advisor at OSAIC with 31 years of industry experience. He holds Series 63 and Series 66 credentials and has been with OSAIC since 2013. He is also the owner of Boston Wealth Management, a limited liability company that provides insurance products including life, disability, long-term care, annuities, and property/casualty coverage. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing various asset-allocation tools and third-party solutions to manage portfolios across different investment types.

Sean Reid is a financial advisor with Charles Schwab holding Series 63 and Series 66 licenses and has four years of industry experience. Prior to joining Schwab in 2024, he worked at TD Ameritrade from 2021 to 2024. Outside of his advisory role, he manages personal brokerage account trading through his ownership of Reid Limited LLC. Charles Schwab & Co., Inc. serves primarily 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 affiliated discretionary separately managed accounts and uses multi-asset model portfolios supported by dedicated research and alternative investment offerings.

Erin Blanchard is a financial advisor at Merrill with 17 years of industry experience. She holds a Series 66 designation and has been with Merrill and Bank of America N.A. since 2009. 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 a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.