Hao Lu is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has worked with Transamerica Financial Advisors since 2012 and has additional experience at Profit Financial and WFGIA. Outside of his advisory role, he manages business expenses through a separate company and oversees rental property operations. Transamerica Financial Advisors serves a diverse client base including individuals, pension plans, trusts, and corporations, offering both advisory and broker-dealer services through proprietary and third-party model portfolios. The firm manages both discretionary and non-discretionary assets and operates as both a registered investment adviser and broker-dealer with affiliated retirement and recordkeeping entities.

Patrick Caine is a financial advisor at Voya Financial Advisors, Inc. in Boston, MA, holding Series 63 and Series 65 licenses with 11 years of industry experience. He previously worked for Putnam Retail Management for 10 years and has been the owner of Somerville Collectibles, a sports card buying and selling business, since 2024. Voya Financial Advisors, Inc. is an enterprise-scale advisory and broker-dealer affiliate of Voya Financial that offers a broad range of financial planning and portfolio management services to individuals, pension plans, charitable organizations, and corporate clients. The firm combines internal and external strategists with technology-enabled tools to deliver customized investment solutions through both non-discretionary and limited discretionary account management.

Gledia Nasrah is a financial advisor at Citigroup Global Markets with 16 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including JPMorgan Securities LLC, JPMorgan Chase Bank NA, Citizens Securities Inc., and Clarfeld Financial Advisors LLC. Outside of her advisory role, she is a minor silent partner in a family-owned fitness studio. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs with both discretionary and non-discretionary options. The firm combines large institutional scale with unique market roles, including in-house research and derivatives services.

Michael Daudelin is a financial advisor at Farther with 26 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Allegiance Financial Services, Inc. for 28 years, where he served as president, treasurer, director, and investment adviser representative. Farther provides discretionary investment management and advisory services primarily to individual investors, trusts, and estates through a web and mobile platform as well as in-person meetings. The firm’s investment approach is based on Modern Portfolio Theory and uses proprietary model portfolios with algorithmic rebalancing, focusing on ETFs, mutual funds, individual equities, and fixed income.

John Switchenko is a CFP® professional with four years of industry experience, currently serving at CIBC Private Wealth Advisors, Inc. in Boston, where he has been employed since 2012. CIBC Private Wealth Advisors provides investment and wealth advisory services to a diverse client base, including individuals, families, trusts, employee benefit plans, corporations, and investment companies. The firm’s investment process involves an internal team and committees to build customized portfolios, utilizing both proprietary and external managers, and offers a range of strategies including options hedging and structured notes.

Anthony Lischio is a financial advisor at Focus Partners Wealth, LLC with one year of industry experience. He holds a Series 65 designation and has previously worked at The Colony Group, Putnam Investments, and BNY Mellon. Focus Partners Wealth, LLC serves individuals, high-net-worth families, family offices, and institutional clients with comprehensive wealth management and advisory services. The firm employs an investment approach that integrates active and passive strategies within an enhanced open architecture framework, incorporating fundamental and quantitative analysis alongside specialized tools such as trend-following and options overlay strategies.

Nicholas Souza is a financial advisor at Voya Financial Advisors, Inc. in Boston, MA, holding Series 63 and Series 66 registrations with two years of industry experience. He has worked previously at Fidelity Investments and has entrepreneurial experience as a partner in Boatwise LLC, a boating and licensing training service where he handles social media marketing and website design. Voya Financial Advisors, Inc. serves individuals, pension and profit-sharing plans, charitable organizations, and corporate clients by providing financial planning, portfolio management, and retirement advisory services through a large network of investment adviser representatives. The firm utilizes investment policy statements, model portfolios, and technology-enabled tools to support client recommendations across both advisory and broker-dealer capacities.

Desmond Lam is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has been with Transamerica Financial Advisors since 2012 and also has experience with Ocean International Trading and World Financial Group. In addition to his advisory role, he provides language, reporting, and consulting services through a separate self-employed business. Transamerica Financial Advisors serves a broad client base including individual investors, retirement plans, trusts, and charitable organizations. The firm’s investment approach primarily uses model portfolios and third-party managers, supported by a large advisor network and multiple program platforms.

Ryan Vallee is a financial advisor at Voya Financial Advisors, Inc. in Boston, MA, holding a Series 66 designation with 22 years of industry experience. He has been with Voya Financial Advisors since 2016. Voya Financial Advisors, Inc. is an enterprise-scale advisory and broker-dealer affiliate of Voya Financial that offers financial planning, portfolio management, unified managed account and wrap programs, and retirement-plan advisory services to individuals, pension plans, charitable organizations, and corporate clients. The firm employs a combination of in-house and external strategists, model portfolios, and technology tools to support client recommendations, operating largely through non-discretionary client authorization.

Robert Pearl is a CFP® and Series 66 professional with two years of industry experience. He currently works at Integrated Wealth Concepts LLC and previously held positions at Ameriprise, Aptiv, Bowdoin College, and Dexter Southfield. Outside of his primary role, he serves as an Associate Financial Advisor at Ironsides Operational Support LLC. Integrated Wealth Concepts LLC 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 primarily composed of mutual funds, ETFs, equities, and fixed income with a long-term focus complemented by shorter-term adjustments.

Timothy Mc Coole is a financial advisor at Integrated Wealth Concepts LLC with four years of industry experience. He holds the Series 66 designation and previously worked at Ameriprise for five years and State Street for ten years. 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 services, and retirement plan advisory, employing customized portfolios with a long-term approach and oversight of third-party asset managers.

Kyle Meek is a financial advisor with First Citizens Investor Services, Inc. based in Boston, MA, holding Series 63 and Series 65 licenses. He has 26 years of industry experience, including prior roles at Merrill, TD Bank, and Bank of America. First Citizens Investor Services, Inc. provides advisory and brokerage services to individuals, pension plans, charitable organizations, and corporate clients, employing a client-focused process that integrates fundamental, quantitative, and technical analysis across diverse investment vehicles. The firm offers various portfolio management options, including wrap programs and model portfolios, with a predominance of non-discretionary client arrangements.

Dylan Kehoe is a financial advisor at Voya Financial Advisors, Inc. based in Boston, MA. He holds Series 65 and Series 63 licenses and has one year of experience in the financial industry. Prior to joining Voya, he worked at Fidelity Investments and Putnam Investments. Voya Financial Advisors, Inc. is an enterprise-scale advisory and broker-dealer affiliate of Voya Financial that serves individuals, including high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers financial planning, portfolio management, unified managed account programs, and access to third-party money managers, combining in-house and external strategists with technology-enabled investment tools.

Rachel Richwine is a financial advisor at Oppenheimer with 32 years of industry experience. She has been with Oppenheimer since 2003 and holds Series 63 and Series 66 licenses. She currently holds a Massachusetts real estate salesperson license, which is not active and not affiliated with any firm. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, and pooled investment vehicles. The firm provides a range of programs, including asset management, consulting, and retirement services, with both discretionary and non-discretionary advisory approaches.

Julia Cormican is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding a Series 65 credential and based in Boston, MA. She has recently begun her career in the financial industry, joining Wealth Enhancement Advisory Services in 2025 after roles at the Wealth Enhancement Group and Brown Brothers Harriman. Outside of her financial career, she has been involved with Fontbonne Academy since 2015. Wealth Enhancement Advisory Services manages over $122 billion in regulatory assets under management, serving individuals, high-net-worth clients, corporations, and retirement plans. The firm’s investment process includes diversified, risk-class based allocations combining passive and active managers, with portfolio oversight by an internal Investment Committee.

Burt Freedman is a financial advisor at Oppenheimer with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Fahnestock & Co. Inc. for 23 years. Freedman serves as vice president of Linas Hazadek Beth Israel Cemetery Corp., a nonprofit religious organization. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension plans, and charitable organizations. The firm offers a range of investment programs and advisory services across equity, balanced, and fixed-income portfolios, with both discretionary and non-discretionary management options.

Gary McGovern is a financial advisor at Janney Montgomery Scott in Boston, MA, holding Series 63 and Series 66 licenses with 40 years of industry experience. He has worked at Janney Montgomery Scott since 2020 and previously spent nine years at Raymond James & Associates. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, corporate and retirement plan sponsors, charitable organizations, and municipal clients through brokerage, financial planning, consulting, and various advisory programs.

Lindsey Hardy is a financial advisor with Kestra Advisory Services, holding a Series 66 designation and 13 years of industry experience. Her prior roles include positions at Commonwealth Financial Network, Lightship Wealth Strategies, Bank of America, Merrill, and Federated Global Investment Management Corp. She also serves as Director of Operations for Grandview Partners, overseeing client service functions and staff management. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients, offering services such as plan design, fiduciary consulting, and employee education. The firm manages approximately $79.8 billion in assets and serves clients including large institutional investors and sovereign wealth funds.

David Mc Cabe is a financial advisor at Corient with 21 years of industry experience. He holds Series 63, Series 66, and Series 65 licenses and has worked previously at Eaton Vance WaterOak Advisors and Voyageur Asset Management. He also serves as an individual trustee for a client of Corient. Corient provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, pension plans, charitable organizations, and corporations. The firm uses a goals-based, team investment approach combining in-house strategies with third-party managers and employs risk management tools and alternative investments where appropriate.

Brad Bestgen is a financial advisor with Commonwealth Financial Network in Braintree, MA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has been with Commonwealth since 2008 and operates Bestgen Wealth Management, LLC, which he founded in 2014. Outside of advisory work, he is involved in Medicare product referrals through a business called E Health. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs, technology, and operational support, allowing advisors discretion in portfolio construction alongside discretionary model portfolios managed by Commonwealth’s Investment Management and Research team.