David Tremblay is a Financial Consultant currently working at Fidelity Investments since 2022. He collaborates with clients to develop, implement, and maintain financial plans that align with their individual needs and goals, adapting strategies as those needs evolve over time. He has extensive experience in the financial services industry, having held various roles including Managed Solutions Consultant and Portfolio Specialist at Fidelity Investments, Financial Consultant at Santander Investments, Financial Services Professional at New York Life, Product Manager at Fidelity Investments, Consultant at Watson Wyatt Worldwide, and Sales Support Consultant positions at MetLife, Allmerica Financial, and Aetna Life Insurance. His career spans from 1993 to the present. Outside of his professional work, David enjoys activities such as baseball, beach outings, biking, family activities, parenthood, and skiing.

Bernard Ravelson is a financial advisor at LPL Enterprise with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Mass Mutual, METLIFE Securities, and Prudential Insurance Company of America. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, retirement plans, and institutions. The firm uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and affiliated insurance and trust services.

Joseph Gonthier is a financial advisor at Ameriprise with one year of industry experience. He holds the Series 66 designation and has worked at firms including AAFCPAs, Inc. and Wolf & Company, P.C. Previously, he has also been involved with Merrimack College Financial Capability Center and Teresa's Grille 19. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning focused on dependable income sources and tax-aware withdrawal strategies through its Premier Retirement Income service.

Suzanne Saville is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 20 years of industry experience. Prior to joining LPL Financial in 2023, she worked for nine years at Citizens Securities, Inc. 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 supported by model portfolios, third-party asset management, and institutional platforms.

Robert Kostigen is a Senior Financial Advisor with Merrill Lynch Wealth Management. He is part of the HRSK & Associates team, which averages 15 years of experience in the financial services industry, delivering expertise in retirement and education planning strategies, insurance strategies, and trust planning services. Robert and his team focus on building enduring relationships grounded in trust, integrity, and accessibility while providing sound guidance and strong service. They employ a defined, goals-based process for wealth management, emphasizing a long-term investment approach centered on asset allocation, diversification, and discipline, leveraging the resources and research of Merrill Lynch. Robert holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Suffolk University. His approach involves helping clients achieve their personal and family financial goals by creating customized plans that reflect their perspectives and priorities.

Mitchell Sirota is a Financial Consultant at Fidelity Investments, where he partners with clients to develop comprehensive financial strategies tailored to their individual and family goals. He focuses on helping clients create plans aimed at growing, preserving, and distributing their wealth in alignment with their financial objectives. Mitchell has held several roles at Fidelity Investments since 2020, including Financial Representative, Relationship Manager, Investment Consultant, and currently Financial Consultant. This progression reflects his experience in client relationship management and investment consulting within the financial services industry. Outside of his professional work, Mitchell has interests in art, cars, cooking and baking, music, and traveling.

Patricia Curran is a financial advisor at OSAIC with 30 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked with firms including SagePoint Financial, Cambridge Investment Research, Citizens Securities, and Fidelity. Outside of advising, she is a member of Boston Women in Finance. OSAIC Wealth serves a diverse client base ranging from individual investors to retirement plan sponsors and corporate clients. The firm offers advisory and brokerage services through a multi-advisor platform focused on model-based asset allocation, portfolio optimization, and a variety of managed account programs.

David Swartz is a financial advisor at Morgan Stanley in Wellesley, MA, with 26 years of industry experience. He has been with Morgan Stanley and its predecessor firm since 2007. Outside of his advisory work, he serves as a FINRA arbitrator. 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 and financial planning services supported by structured planning tools and investment research.

David Everts is a financial advisor at UBS Financial Services with 41 years of experience, having been with UBS since 1985. He holds a Series 63 designation. He serves as a trustee for multiple family trusts related to investment management and planning. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and a range of investment products. The firm integrates institutional trading capabilities with wealth management, supported by proprietary research and a broad platform of capital markets services.

Stephen Saulnier is a financial advisor with Charles Schwab in Burlington, MA, holding Series 63 and Series 66 designations and possessing 26 years of industry experience. He has worked with Charles Schwab since 1998 and has been involved with Charles Schwab Bank, SSB since 2005. Outside of his advisory role, he is the owner of 12 Th St. LLC, a rental real estate management business. Charles Schwab & Co., Inc. serves a large client base primarily 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 offers a blend of non-discretionary and discretionary investment guidance using multi-asset model portfolios, providing integrated brokerage, custody, and advisory services.

Patrycja Cotter is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 66 credentials and bringing 19 years of industry experience. She has previously worked at various Citizens Bank entities from 2014 to 2022. Outside of her advisory role, she serves as a Notary Public. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides written recommendation reports and annual advice focused on income sources and tax-aware withdrawal strategies.

Daniel Finn is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools alongside advisory services.

Marianne Zawacki is a financial advisor with Raymond James Financial Services Advisors, Inc. She holds a Series 66 designation and has 22 years of industry experience. Her prior work includes roles at LPL Financial, Cetera Wealth Services, and Northwestern Mutual Investment Management. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored non-discretionary planning and utilizes analytical tools to support client goals, with notable services in municipal and public finance.

Matthew Little is a financial advisor with LPL Financial in Framingham, MA, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. He previously worked at Cetera and Investors Capital Corp., among other firms. Outside of his advisory role, he is an insurance agent selling life, health, annuities, and long-term care insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and model portfolio programs, supported by advanced research tools and a broad network of over 22,800 advisors.

Alasdair Swett is a Series 66 licensed financial advisor with Fidelity in Chestnut Hill, MA, with one year of industry experience. His prior work history includes a position at Harbour Capital Corporation and various roles outside finance, such as involvement with the University of New Hampshire Cat's Cupboard Food Pantry. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including fund advisory and model portfolio delivery.

Terence Hunt is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been in the Financial Services industry for 39 years with 30 years as a legacy Merrill Lynch Wealth Management advisor. Terence focuses on client areas such as college education planning, divorce transition planning, family wealth management strategies, personal retirement planning, and retirement income. Terence holds a Bachelor of Science in Finance from Siena College and an MBA in Banking and Finance from Hofstra University. He possesses professional licenses in Life, Long Term Care insurance, and Annuities, along with Series 7, 63, 24, 53, and 4 FINRA registrations. Among his designations are CERTIFIED FINANCIAL PLANNER (CFP), Certified Divorce Financial Analyst (CDFA), Certified Investment Management Analyst (CIMA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Chartered SRI Counselor (CSRIC), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Terence is a former board member of the Needham Education Foundation and served for nine years on the Board of Associate Trustees at Siena College. He currently participates in several local activities and charitable organizations. Terence resides in Needham, MA with his wife Mary and has personal interests including baseball, reading, soccer, spending time with his family, and watching movies.

Duke Ferrara is a financial advisor at UBS Financial Services with Series 66 credentials and one year of industry experience. He previously attended Colby College and worked at Noble and Greenough School. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings tailored through proprietary research and model-based asset allocations.

Tara Grinham is a financial advisor at Fidelity with 15 years of industry experience and holds a Series 66 designation. Her career includes roles at Fidelity Investments since 2013 and prior experience at Oppenheimer from 2011 to 2013. Fidelity’s Strategic Advisers LLC, where she is based, provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction across a broad range of investment products.

Kevin Crawford is the Vice President, Wealth Planner at Fidelity Investments, a position he has held since 2023. He partners with clients to help them grow, protect, and transfer their wealth with the goal of pursuing financial fulfillment. Kevin has been with Fidelity Investments since 2013, progressing through various roles including Financial Representative, Relationship Manager, Investment Consultant, and Financial Consultant. This extensive experience has provided him with a comprehensive understanding of wealth management and financial planning. No information regarding his education, credentials, personal interests, or community involvement has been provided.

Mark Freeman is a financial advisor with Edward Jones in Hudson, MA, holding a Series 66 designation and having nine years of industry experience. He has been with Edward Jones since 2017. Outside of his advisory role, Freeman serves as a trustee for Highland at Holliston Trust II and volunteers as a DECA advisor, assisting students with competition preparation and public speaking. Edward Jones is a full-service wealth management firm that serves both individual and institutional clients. The firm manages over $1 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, supported by a large network of financial advisors and branch offices nationwide.