Clinton Mchoul is a Certified Financial Planner® (CFP®) with 19 years of industry experience. He has worked at Cambridge Investment Research Advisors since 2017 and previously held positions at Bank of America, Merrill, Banc of America Investment Services, and Edward Jones. Outside of advising, he serves as a vice president and board member at Charles River Bank. Cambridge Investment Research Advisors, Inc. provides financial planning, investment management, and retirement-plan advisory services to a diverse client base including individuals, pension funds, and charitable organizations. The firm offers both discretionary and non-discretionary management and supports multiple account platforms and third-party advisers.

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.

David Baranowski is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. He has worked at LPL Financial since 2004 and was previously with Bay Financial Advisors, Inc. from 2012 to 2020. His outside activities include selling fixed annuities and various insurance products. 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 portfolios, third-party asset management access, and institutional platforms, supported by a broad network of investment adviser representatives.

Thomas Pelley is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. His prior roles include positions at Morgan Stanley and Fidelity. He manages his advisory business through an LLC based in Wellesley, MA. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service, providing written recommendation reports and ongoing retirement planning advice focused on dependable income and tax-aware withdrawal strategies.

Henry Gill is a financial advisor with RBC Capital Markets in Wellesley, MA, holding Series 63 and Series 65 designations and over 42 years of industry experience. He has been with RBC Capital Markets since 2008 and concurrently with City National Bank since 2018. Outside of his advisory work, he is a passive owner and inactive partner in BEACON ANGELS, an angel investing business. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, corporations, and charitable organizations. The firm offers a range of advisory programs with portfolio management and financial planning services, implementing customized strategies through a combination of internal and third-party managers.

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.

Frances Bush is a financial advisor at Morgan Stanley with one year of industry experience. Prior to joining Morgan Stanley, Frances worked at Fidelity Investments and has held various roles including positions at Saint Anselm College and GoldFish Swim School. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers planning services both directly and through employer agreements.

Robert Salamy is a financial advisor at UBS Financial Services with 34 years of industry experience. He has been with UBS since 2009 and holds a Series 63 designation. Outside of his advisory role, he is involved in managing personal trust portfolios related to family healthcare and retirement. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, employing proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Lourdez Cortez is a financial advisor at Merrill with 26 years of industry experience. She has been with Merrill since 2008 and holds Series 63 and Series 66 licenses. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Malcolm Alexandre is a financial advisor with Merrill holding a Series 66 designation and three years of industry experience. He has worked at Merrill since 2019 and also has prior experience at The Advocator Group. Outside of his advisory role, he volunteers as a referee and assists with field setup for North Shore Flag Football, a local sports league. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Simon Clarke is a financial advisor with UBS Financial Services, holding a Series 66 designation and 26 years of industry experience. His prior roles include positions at Credit Suisse Securities (USA) LLC and Pershing LLC. UBS Financial Services Inc. serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad range of capital markets functions.

Jennifer Riley is a Financial Consultant at Fidelity Investments, a role she has held since 2022. She has been with Fidelity since 2002, serving in various capacities including Business Analysis Consultant, Client Training Consultant, Client Manager, Client Service Workleader, and Client Service Specialist. Her experience spans client service, training, business analysis, and financial consulting, focusing on assisting individuals, couples, and families with financial planning. Jennifer emphasizes understanding each client's unique values, goals, and preferences, simplifying the financial planning process, and empowering clients to make confident financial decisions. Outside of her professional work, Jennifer's interests include spending time at the beach, music, outdoor adventures, running, traveling, and volunteering.

Edward Kiernan IV is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. His prior roles include positions at Sagepoint Financial, Inc. and SII Investments, Inc. He is based in Westborough, MA. 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, supported by advanced operational tools and a large network of advisors.

Harrison Seitz is a financial advisor with Merrill in Needham, MA, holding a Series 66 license and four years of industry experience. Prior to his current role, he worked at Total Quality Logistics, Our Place Kitchen & Bar, and Superior Roast Beef & Seafood, among other positions. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Timothy Keane is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and possessing 36 years of industry experience. His prior roles include positions at Cetera, Investors Capital Corp., and B.B. Graham & Company, Inc. Keane is also a managing partner of Northeast Investment Advisors LLC and works as an agent for fixed insurance products, including life, health, disability, annuities, and long-term care. 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, model portfolio programs, and access to third-party asset managers, supported by advanced operational and research tools.

Grant Cerulo is a financial advisor with Equitable Advisors, holding a Series 66 designation and beginning his advisory career in 2026. Prior to entering the financial industry, he spent over a decade at Silicon Valley Animation, Inc. Equitable Advisors serves individual clients across wealth levels, as well as pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm provides financial planning, retirement plan consulting, and various asset-management programs, leveraging a network of Investment Adviser Representatives and third-party asset managers.

William Jarry is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and six years of industry experience. His prior roles include positions at UBS Financial Services, MBSC Securities Corporation, and BNY Mellon. Outside of his advisory work, he owns and manages a ski condo rental in Lincoln, New Hampshire. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory. The firm’s advisory process is IPS-driven and includes a range of investment options, such as insurance-related vehicles and bank deposit sweep programs.

Frantz Bien Aime is a financial advisor at Merrill with Series 63 and Series 66 credentials and eight years of industry experience. He has been affiliated with Merrill since 1997. Outside of his advisory role, he serves as a board member for the Cambridge Community Foundation, a local philanthropic organization. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.