Erica Mellone is a CFP® professional with 17 years of industry experience, currently serving at Royal Alliance Associates, INC. since 2018. She previously worked at John Hancock Life Insurance Co. and Signator Investors, Inc. from 2008 to 2018. Outside of her advisory work, she serves on the board of the Boston Young Professionals Association, where she advises and manages several partnerships. She is affiliated with Osaic Wealth, Inc., which serves a diverse client base including individual and institutional investors through a large network of advisers. The firm offers a range of brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to manage portfolios across various investment types.

Kenneth O’Toole is a Senior Financial Advisor at Merrill Lynch Wealth Management. Since beginning his investment career in 2000, he has collaborated with clients at E*TRADE Financial, Charles Schwab, and Fidelity Investments, serving clients in both the Northeast and San Francisco Bay areas. His work focuses on helping clients achieve financial freedom and flexibility to meet their individual goals. Ken’s areas of expertise include college education planning, divorce transition planning, family wealth management strategies, international wealth management, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. He holds the Personal Investment Advisor (PIA) designation. Ken earned a bachelor's degree in Business Administration from Saint Michael’s College. He resides in Hopkinton, Massachusetts, with his family and pursues personal interests such as biking, photography, running, soccer, and traveling.

Kreg Pearless is a financial advisor at UBS Financial Services with 18 years of industry experience. He holds the Series 66 designation and has been with UBS in various capacities since 2014. Outside of his advisory role, he serves as a successor trustee for a family trust contingent on his mother’s incapacitation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, leveraging proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, including fiduciary financial planning and a broad range of capital markets functions.

William Moreth is a financial advisor with RBC Capital Markets in Wellesley Hills, MA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with RBC Capital Markets since 2016. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and nonprofits. The firm offers various advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services, utilizing a combination of in-house and third-party investment managers tailored to clients' risk profiles.

Michelle Parretti is a financial advisor at Morgan Stanley with 32 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Parretti serves on the finance committee of the Ecotarium museum of science and nature in Worcester, Massachusetts. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured discovery processes and firm-approved planning tools to support client financial plans.

Philip Kasden is a financial advisor with Mass Mutual Investors Services in Needham, MA, holding Series 65 and Series 63 licenses and bringing 11 years of industry experience. His prior experience includes roles at LPL Enterprise, The Prudential Insurance Company of America, Eagle Strategies, New York Life Insurance Company, and Kasden Metal Brokerage LLC. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm structures planning engagements as annual collaborative relationships, utilizing firm-approved software to analyze client goals and deliver written recommendations.

Mark Sullivan is a financial advisor with Osaic Wealth, Inc. based in Needham Heights, MA. He holds Series 63 and Series 65 licenses and has 36 years of industry experience. His prior work includes positions at John Hancock Life Insurance Company and Signator Investors, Inc. Sullivan is a managing partner of Centinel Financial Group, LLC, where he markets insurance and investment products. OSAIC Wealth serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services using various asset-allocation tools and supports both discretionary and non-discretionary account management with access to third-party money managers and wrap programs.

Eric Kaplan is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in providing tailored financial and investment management strategies. He works closely with individuals, families, and businesses to develop strategies that align with their short- and long-term financial objectives. Eric emphasizes understanding each client's unique needs, concerns, and priorities through a disciplined and client-focused approach. With a financial services career beginning in 1997 and joining Merrill Lynch in 2002, Eric holds professional designations including the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned his bachelor's degree in Economics from Brandeis University and has leadership experience as the softball team captain at Temple Beth Avodah. Outside of his professional work, Eric enjoys spending time with his family and participating in recreational activities such as biking, cooking, golfing, music, pickleball, softball, and tennis.

Scott Stanwood is a financial advisor with Merrill in Wellesley Hills, MA, holding Series 63 and Series 66 designations and bringing 29 years of industry experience. He has worked at Bank of America, N.A. and Merrill Lynch, Pierce, Fenner And Smith Incorporated for the past 15 years. 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.

Andrew Dittrich is a financial advisor at Raymond James Financial with a Series 66 designation and one year of industry experience. His prior roles include positions at Triten Real Estate Partners and EDENS, as well as academic and development-related work at Babson College and Diplacido Development Corporation. He is also involved with 1776 Financial, a supporting company based in Franklin, Massachusetts. 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, pension plans, corporations, charitable organizations, and institutions. The firm offers tailored, non-discretionary planning and consulting using various analytical tools and supports municipal and public finance advisory work through a unique affiliation with a municipal advisor.

Clinton Mchoul is a CFP® professional with 19 years of experience in the financial services industry. He has been with Cambridge Investment Research Advisors since 2017 and previously worked at Bank of America and Merrill. Outside of advisory work, he holds leadership roles at Charles River Bank, including serving as Vice President and Board Member. Cambridge Investment Research Advisors serves a diverse client base, including individuals, retirement plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm provides a range of investment implementation options across multiple platforms, utilizing both proprietary and third-party strategies.

Rivers Edwards is a financial advisor at Charles Schwab with a Series 66 credential and less than one year of industry experience. Prior to joining Schwab, Edwards held positions at CAPTrust and the Victaulic Company, and spent several years in full-time education. Charles Schwab serves a large client base of high- and ultra-high-net-worth individuals with a combination of non-discretionary and discretionary investment advisory services. The firm offers comprehensive wealth management solutions including multi-asset model portfolios, alternative investments, and integrated brokerage and custody services.

Abdelrahman Hamada is a financial advisor at Merrill with Series 66 and Series 63 credentials. He is based in Sudbury, MA, and has been working in the financial industry since 2023, including roles at Bank of America and Fidelity Investments. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

David Baranowski is a financial advisor with LPL Financial in Norwood, MA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been associated with LPL Financial since 2004 and also leads Bay Financial Advisors, Inc., which he has managed since 2012. Outside of advisory roles, he is involved in selling fixed annuities and insurance products, including health, disability, long-term care, group, and fixed life insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning services, and access to research and model portfolios while providing both discretionary and non-discretionary portfolio management.

Thomas Pelley is a financial advisor with Ameriprise in Chelmsford, MA, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has been with Ameriprise and its related entities since 2013. Outside of his advisory role, he manages his advisory business through an LLC. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis, delivering non-discretionary, algorithm-supported advice through a centralized consulting team.

Henry Gill is a financial advisor with RBC Capital Markets in Wellesley Hills, MA, holding Series 63 and Series 65 licenses. He has 41 years of industry experience, including roles at RBC Capital Markets since 2008 and City National Bank since 2018. He is a passive owner in an angel investing group, Beacon Angels. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individuals, institutions, and charitable organizations. The firm offers a range of advisory programs with customizable portfolio management that incorporates both in-house and third-party investment managers.

Douglas Shelton III is a financial advisor at Equitable Advisors with two years of industry experience. He holds the Series 66 designation and has previously worked in the transportation sector with firms including Dobbs Peterbilt and Murphy-Hoffman Company. Outside of his advisory role, Shelton is a 50% owner and operator of Foreshore LLC, a property care and maintenance business. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and a broad range of third-party asset managers. The firm employs a hybrid referral and implementation model, combining advisory and brokerage services tailored to client goals and risk tolerance.

Stephen Dunne is a financial advisor at UBS Financial Services with 33 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has been with UBS since 2016. Dunne serves as Treasurer and Investment Committee member for the University of Massachusetts Foundation, which supports higher education. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides access to proprietary research and diverse capital markets solutions.

Timothy Moses is a CFP®-designated financial advisor with Edward Jones, based in Walpole, MA, and has 19 years of industry experience. He has been with Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Marcie Daleo is a financial advisor with Morgan Stanley in Wellesley, MA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. Her prior roles include positions at RBC Capital Markets, City National Bank, and Morgan Stanley Private Bank. Outside of her advisory work, she is a sole proprietor involved in real estate property management. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutions, emphasizing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning services.