Todd Wetzel is a financial advisor with Morgan Stanley in Westborough, MA, holding a Series 63 designation and bringing 35 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Wetzel serves on several nonprofit and community organization boards, including With You, Inc., Worcester Club, Francis Quimet Society Scholarship, Worcester County Mechanics Association, and the Worcester Business Development Corporation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutional clients. The firm’s financial planning process uses structured discovery and firm-approved tools, serving clients through tailored financial planning and estate strategies.

Frances Bush is a financial advisor at Morgan Stanley with one year of industry experience. Prior to joining Morgan Stanley, she held roles at Fidelity Investments and has been involved with Saint Anselm College and The Goldenrod in various capacities. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services supported by structured planning processes and proprietary investment modeling tools.

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.

Patrick Kilcoyne is a financial advisor with RBC Capital Markets in Wellesley Hills, MA, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with RBC Capital Markets since 2008 and previously worked at City National Bank from 2018 to 2021. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a variety of advisory programs with discretionary and non-discretionary portfolio management, tailoring strategies to clients’ risk profiles and employing both in-house and third-party investment managers.

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 and holds a Series 66 designation. He has 25 years of industry experience and has been with UBS since 2015. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research and capital markets services through its platform.

Brandon Bergert is a financial advisor with LPL Financial in Waltham, MA, holding Series 63 and Series 65 licenses and one year of industry experience. His prior roles include positions at Key Investment Services, KeyBank, JPMorgan Chase Bank, and Northwestern Mutual. Outside of finance, he was briefly involved with the MLB Draft League. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, with a range of discretionary and non-discretionary management options supported by LPL Research and third-party subadvisors.

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 based in Westborough, MA. He holds Series 63 and Series 66 designations and has 24 years of industry experience. His prior roles include positions at Sagepoint Financial, Inc. and SII Investments, Inc. Kiernan is also involved with Legacy Financial Advisors, Inc., an affiliated business related to his LPL activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management alongside model portfolios and research from multiple sources.

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 at Cetera with 36 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with Cetera since 2016, including a role at Cetera Advisors LLC. Keane also manages Northeast Investment Advisors LLC and works as an insurance agent providing life, health, disability, annuities, and long-term care products. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party managers.

Grant Cerulo is a financial advisor with Equitable Advisors in Wellesley, MA. He holds a Series 66 designation and has recently transitioned from a career at Silicon Valley Animation, Inc, where he worked for 11 years. Cerulo joined Equitable Advisors in 2026 and has one year of industry experience. Equitable Advisors serves a diverse range of clients, including individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and a broker-dealer, partnering extensively with program sponsors and third-party managers to provide a variety of advisory and brokerage solutions.

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.

Ryan Angell is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. He is based in Wellesley, Massachusetts. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm provides a range of advisory programs and financial planning services that utilize structured discovery processes and advanced modeling tools.

Samuel Clurman is a financial advisor at Fidelity with one year of industry experience. He holds the Series 66 designation and has worked in various roles, including a position at Lizzy's Homemade Ice Cream. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs. The firm is also noted for its registration as a commodity pool operator and its advisory role with multiple registered investment companies.

Daniel Cappucci is a CFP® professional with 22 years of experience in the financial services industry. He has worked at Mass Mutual Investors Services since 2017 and has prior experience at Metlife Securities Inc. and Mass Mutual Life Insurance Company. Outside of his advisory role, he is involved in a non-MMLIA insurance brokerage and has ownership in a short-term vacation rental property. MassMutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm emphasizes collaborative, annual planning engagements and offers a range of programs including estate and employer-sponsored planning.

Alexandra LeClair is a Financial Consultant at Fidelity Investments, a role she has held since 2022. She has been with Fidelity Investments since 2017, serving in various positions including Investment Consultant, Relationship Manager, and Regional Investment Consultant. As a CERTIFIED FINANCIAL PLANNER™, Alexandra focuses on building financial plans that reflect the personal and financial goals of her clients. She emphasizes client education to ensure understanding and confidence in the strategies implemented. Her professional experience spans several years within Fidelity Investments, where she has developed expertise in investment consulting and client relationship management. Alexandra values working closely with clients to co-create financial plans tailored to their needs. Outside of her professional role, Alexandra enjoys activities such as beach outings, family activities, golf, running, traveling, and exploring food.

Michael Kulesza is a financial advisor at Raymond James Financial with seven years of industry experience. He holds the Series 66 designation and has worked at North Atlantic Investment Partners, Edward Jones, and Planmember Securities. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting services to a diverse client base, including individuals, high-net-worth clients, corporations, charitable organizations, and institutional clients. The firm uses analytical tools and risk profiling to tailor non-discretionary planning and supports municipal and public-finance work through a unique municipal advisor affiliation.