Joseph Balsamo is a Senior Resident Director and Wealth Management Advisor at Merrill Lynch Wealth Management in Portsmouth, NH. With over 37 years of experience in financial services, he specializes in providing financial advice and guidance to individuals and families. Joseph focuses on understanding clients' priorities to design and implement customized wealth management strategies that help pursue personal financial goals while managing investment risk. He serves as Senior Vice President of the Merrill Lynch office and employs a high touch client service model to review performance and progress frequently. Before joining Merrill in 2005, Joseph spent 20 years in corporate banking, underwriting and managing highly leveraged complex transactions. His background reflects a passion for entrepreneurship, capital markets, risk management, and financial planning. His areas of expertise include college education planning, family wealth management strategies, legacy planning, retirement income, socially responsible investing, and tax minimization. Joseph holds several professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's degree from the University of Massachusetts System. Joseph is involved in his community through service on the Seabrook Beach Village Planning Board. He and his wife, JoeAnn, have been married for 33 years and live on the New Hampshire Seacoast with their two sons and dogs. His personal interests include biking, golfing, skiing, and traveling.

Brian Sullivan is a CFP® and Series 66-registered advisor with nine years of industry experience. He is currently with Raymond James Financial Services Advisors, Inc. and previously worked at LPL Financial for eight years. Outside of his advisory role, Sullivan is an owner and president of Primary Financial Advisors LLC, where he dedicates significant time each month. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, and institutional clients. The firm emphasizes tailored, non-discretionary planning using analytical tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Aliza Mc Kenna is a financial advisor at Ameriprise with five years of industry experience. She holds a Series 66 designation and previously worked at RBC Capital Markets LLC, Oracle, Marmon Aerospace and Defense, and the University of New Hampshire. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet certain asset thresholds, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

John Pontbriand is a CFA® charterholder and financial advisor with LPL Financial, based in Hampton, New Hampshire, bringing 29 years of industry experience. He has been associated with Salem Five Cent Savings Bank and LPL Financial since 2006. Outside of his advisory work, he provides instruction in self-defense, emergency preparedness, and information security, and participates in local community activities as a town and school district moderator in Hampton Falls. He also assists with a beekeeping hobby business operated by his family and works occasionally as a whitewater rafting guide. 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 advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advisor-facing technology and oversight of substantial discretionary assets.

John St Pierre is a Series 66-licensed financial advisor with 15 years of industry experience. He has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Mathew Ward is a financial advisor at Edward Jones in Exeter, NH, holding a Series 66 credential with six years of industry experience. He worked at Hodgdon, Wilson & Griffin CPAs for five years before joining Edward Jones in 2019. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment strategies, supported by a nationwide network of more than 23,700 financial advisors and 15,100 branch offices.

Richard Neville is a financial advisor at OSAIC with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Neville & Associates Financial Services since 2018, following a long tenure at LPL Financial. Neville is also a notary public. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party managers. The firm utilizes a variety of tools and platforms to construct diversified portfolios tailored to client needs.

James Mccarthy is a financial advisor at OSAIC with 21 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Saltbox Financial since 2009 and Royal Alliance since 2005. Outside of finance, he is a pilot for Delta Air Lines, flying Boeing 767 routes primarily based out of JFK. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, retirement plan consulting, and access to third-party money managers. The firm utilizes various asset-allocation tools and supports both discretionary and non-discretionary account management across diverse investment strategies.

Charles Beynon is a financial advisor with Ameriprise in Rye, New Hampshire, holding CFP® and ChFC® designations and over 24 years of industry experience. He has worked at Ameriprise and its affiliated entities since 2005. Outside of advisory work, he is involved in business ownership including a fitness club and tax preparation services. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing retirement-income planning, focusing on dependable income sources and tax-aware withdrawal strategies.

Thomas Burbank is a financial advisor with LPL Financial in Portsmouth, NH, holding Series 63 and Series 65 licenses and 25 years of industry experience. His prior roles include positions at CUNA Brokerage Services, Northeast Planning Associates, TD Wealth Management Services, Cetera Investment Services, and Valic Financial Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Matthew Junkin is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and 16 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously spent eight years with MetLife Securities Inc. Outside of his advisory role, he is an owner and landlord of a rental condo in Portsmouth, NH. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative annual planning relationships using firm-approved software and provides specialized planning programs including divorce, estate settlement, and employer-sponsored planning.

Timothy Malinowski is a CFA® charterholder and holds a Series 66 license, with four years of industry experience. He currently works at Edward Jones in Portsmouth, NH. His prior experience includes roles at Morgan Stanley & Co., Incorporated and Wills Towers Watson. Outside of finance, he has been involved with the Ice House Restaurant. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets with a large national network of financial advisors and branch offices.

Debbie Feest is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. Her prior roles include positions at Raymond James Financial Services, McIntyre, Freedman & Flynn Investment Advisers, Wells Fargo Clearing Services, Morgan Stanley, and Kovack Advisors. Outside of her advisory work, she is involved in equine therapy, working with a mental health professional to set up therapy sessions involving horses. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm’s approach includes collaborative, annual planning engagements using firm-approved software and offers specialized services such as Divorce Planning and estate-settlement programs.

Brian Desoye is a financial advisor with Mass Mutual Investors Services holding Series 63, 65, and 66 licenses and 22 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously at MetLife Securities and Harrisdirect. Outside of his advisory role, he owns Birchwood Financial Group, Inc. and is active as an insurance agent specializing in life, disability, and fixed annuities. Mass Mutual Investors Services, LLC 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, using firm-approved software tools to analyze client goals and provide written recommendations.

Eric Dufour is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Osaic. He has previously worked at SagePoint Financial and American General. In addition to his advisory role, Dufour is involved in selling fixed insurance products. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, pension, and institutional investors through a large network of affiliated advisors. The firm offers integrated brokerage and advisory services, utilizing various asset-allocation tools and supports a range of investment platforms and third-party solutions.

Kristen Cole is a financial advisor at Edward Jones with eight years of experience at the firm and a Series 66 designation. Prior to joining Edward Jones, she worked at Kelly Services/Target CW for two years. Outside of her advisory role, she is involved as an equine caretaker at High Knoll Equestrian Center in Rochester, NH. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment strategies, operating under a fiduciary standard with a large nationwide network of advisors and branch offices.

James Force is a Series 66-credentialed financial advisor with seven years of industry experience. He has worked at Merrill and Bank of America, N.A. since 2016. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions (SPS) Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Alan Silverman is a financial advisor with Mass Mutual Investors Services in Newburyport, MA, holding CFP® and ChFC® designations and bringing 36 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously spent seven years at MetLife Securities. Outside of his advisory role, he is an insurance agent specializing in long-term care and manages an LLC handling administrative and recordkeeping functions. MassMutual Investors Services, LLC operates as 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 ongoing, collaborative planning engagements supported by firm-approved software and a range of specialized programs including divorce planning and employer-sponsored planning.

David Alves is a Series 66-licensed financial advisor at Cambridge Investment Research Advisors with 19 years of industry experience. His prior work includes roles at Cantella & Co., Inc., Royal Alliance Associates, Merrill, and Banc of America Investment Services. Alves is also an independent insurance agent and owner of Axiom Wealth Partners. Cambridge Investment Research Advisors is an SEC-registered firm serving a diverse client base, including individuals, pension plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a variety of portfolio management strategies and custody platforms tailored to client objectives.

Matthew Bezreh is a financial advisor with Morgan Stanley in Exeter, NH, holding a Series 66 designation and 13 years of industry experience. He has been with Morgan Stanley since 2014. Outside of his advisory role, he sells sports card collectibles on eBay. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide range of advisory programs. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and models as part of its advisory process.