Nicholas Avola is a CFP® certificant with four years of industry experience, currently advising clients at LPL Financial. His prior roles include positions at RBC Capital Markets, First Republic Securities Company, JP Morgan Chase, and Federated Hermes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Richard Baum is a financial advisor with Wells Fargo Clearing in Waltham, MA, holding Series 63 and Series 65 credentials and 54 years of industry experience. He previously worked at Ameriprise Financial Services and Janney Montgomery Scott, LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, wrap-fee programs, and retirement plan consulting services. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Frederick Gillis III is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 credentials and over 31 years of industry experience. His career includes positions at Ameriprise Financial Services, Investment Professionals, and Wells Fargo Advisors. Outside of financial advising, he works part-time as security staff at Gillette Stadium. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, utilizing firm-approved software to support its planning process.

Michelle Hoyle is a CFP® professional with 32 years of industry experience, currently serving as a financial advisor at LPL Financial since 2010. Her credentials include Series 63 and Series 65 licenses. Outside of LPL, she is involved in life, health, disability, and long-term care insurance through MG Financial Pathways. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and corporations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Kavita Dave is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. She has been with Equitable Advisors since 2017 and previously worked at Axa Advisors, LLC. Equitable Advisors serves a diverse client base, including individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, offering 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 broker-dealer, utilizing a delivery model that involves LPL-sponsored programs and endorsed third-party managers.

Robert Andreola Jr. is a CFP® with 33 years of industry experience, currently serving at Edelman Financial Engines. He has been with the firm or its predecessors since 2016 and has operated Teachers Driving Academy since 2009. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven modeling process combined with planner delivery and online tools, offering both discretionary management and non-discretionary online advice.

Brandon Cardarelli is a CFP® professional working with LPL Financial in Marlborough, MA, with 18 years of industry experience. He has been with LPL Financial since 2017 and previously worked at National Planning Corporation from 2013 to 2017. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by internal research and third-party strategies.

Caitlin Pickul is a financial advisor at Morgan Stanley with one year of industry experience. She holds a Series 66 designation and has a background that includes leadership roles in sports and recreation organizations, such as Top Pick Sports, LLC and 3STEP Sports. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, focusing on tailored financial planning through structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services that encompass both retail and institutional investment solutions.

Evelyn Alberding is a financial advisor at Raymond James & Associates with two years of industry experience. She holds a Series 66 designation and previously worked at William James College and Wondermore, Inc. Evelyn serves as President of the Board of Directors for the Needham Community Council, a social service agency in Needham, MA. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, and municipalities, offering financial planning and non-discretionary investment consulting supported by a nationwide adviser network.

Daniel Wallach is a financial advisor with LPL Financial, holding a Series 66 designation and 22 years of industry experience. He has been with LPL Financial since 2010. Outside of advising, he is involved in real estate development and management through Blox Properties, Inc., and assists individuals in buying or selling homes via CW Realty. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and specialized services such as overlay portfolio management and direct indexing.

Amanda Ross is a financial advisor at Merrill with 22 years of industry experience and holds a Series 66 credential. She has been with Merrill since 2007. Outside of her advisory role, she serves as an adjunct faculty member teaching MBA students at Boston University and is a board member of the Boston Chamber of Commerce Women’s Network Advisory Board. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Hunter Darrer is a financial advisor at Equitable Advisors with one year of industry experience. He holds the Series 66 designation and has held various roles outside finance, including positions at The Village Deli, 2 Jerks BBQ and Market, and Pizza X. Equitable Advisors serves a diverse client base, including individuals, high-net-worth clients, retirement plans, corporations, charities, and institutions, offering financial planning, broker-dealer services, and access to third-party asset management programs through a combination of advisory and brokerage solutions.

Keith Pomeroy is a CFP® professional with over 32 years of industry experience, currently affiliated with Morgan Stanley in Westborough, MA. He has been with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he serves as Treasurer and Finance Committee member for MassEdCO, a nonprofit focused on education and youth, where he also teaches a class to high school students annually. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning services supported by firm-approved tools and investment committee guidance.

Daniel O'Neill Jr. is a financial advisor at LPL Financial with 29 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. He is also involved in a non-variable insurance business based in Waltham, MA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement consulting, and brokerage services with discretionary and non-discretionary management, utilizing model portfolios and research from multiple sources.

Sandra Grover is a financial advisor with Merrill, holding a Series 66 designation and 14 years of industry experience. She has been with Merrill since 2011. Outside of her advisory role, she serves as Power of Attorney for family trusts and related fiduciary responsibilities. Merrill, through its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients using model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

Zeid Basyouni is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has worked at both Merrill and Bank of America since 2015. He also spent a year at Harvard University from 2016 to 2017. Merrill, along 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, and institutional investors, supported by internal and third-party portfolio management teams.

George Haffenreffer is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. His background includes roles in wealth management and various positions outside the financial sector, such as work with the Prouts Neck Yacht Club and educational institutions. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients with a range of financial planning, brokerage, insurance, and third-party asset management services. The firm operates primarily through program sponsors and endorsed third-party managers, providing both discretionary and non-discretionary investment solutions.

Justin Hayward is a financial advisor with Mass Mutual Investors Services in Needham, MA, holding a Series 66 designation and 12 years of industry experience. He has been with MML Investors Services LLC and MassMutual Life Insurance Company since 2013. Outside of advising, he is involved in real estate sales and management, including activities as a real estate agent and landlord. MML Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes annual, collaborative financial planning engagements using firm-approved analytical tools, with optional implementation of recommendations through separate brokerage or insurance arrangements.

Alec Duncan is a financial advisor at LPL Enterprise with one year of industry experience. He holds the Series 66 designation and has prior experience with Northwestern Mutual and MCR Labs. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, model portfolio wrap programs, third-party asset management, and brokerage and insurance products through an integrated platform.

Andrew Kofman is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has six years of industry experience. Prior to joining Cetera in 2025, he spent five years with Avantax Advisory Services and has operated his own CPA practice since 2014, providing tax preparation services for individuals and businesses. He is also a licensed attorney, though he does not actively practice law. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a variety of portfolio management and financial planning services and supports multiple investment program options, including model portfolios, third-party managers, and customized strategies.