Todd Vogel is a financial advisor with Morgan Stanley in Wellesley, Massachusetts, holding Series 63 and Series 66 licenses and 28 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Merrill, Allspring Funds Management, and RBC Capital Markets. Outside of finance, he is involved with All That Jazz Dance Studio Ltd. as a clerk. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and financial planning services supported by firm-approved tools and processes. The firm manages approximately $2.74 trillion in client assets and provides tailored planning through its Financial Advisors and Estate Planning Strategies Group.

Scott Foster is a financial advisor at Osaic Wealth, Inc. with 39 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Lincoln Financial Advisors Corp for 22 years. Foster is also licensed to offer fixed and term insurance products, including disability and life insurance. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of advisers and platforms. The firm provides integrated brokerage, advisory, and financial planning services, utilizing asset-allocation tools and access to third-party money managers to construct diversified portfolios.

John Gordon is a Series 66 credentialed financial advisor with 19 years of industry experience. He is currently with Cetera and has held roles at CETERA Financial Specialists LLC, Securities America, Inc., The Patriot Financial Group, and LPL Financial, LLC. He is also the owner of Summit Star Financial and Summit Star Advisory, where he provides financial planning and asset management services. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and advisory services through a nationwide network of independent advisors and operates a multi-manager platform with access to affiliated and third-party investment solutions.

Edward Darragh is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career in the financial services industry in 1999 at Legg Mason and joined Merrill in 2012. With over 23 years of experience, Edward works directly with clients, focusing on personalized investment planning processes that address various financial needs. He primarily works with entrepreneurs and company executives, assisting with issues related to transitioning business equity or accumulated shares into usable cash flow for retirement, as well as addressing the emotions tied to life transitions by collaborating to understand clients' goals. Edward holds a Bachelor's Degree from Bryant College and a Master of Science in Personal Financial Planning from the College for Financial Planning. He has earned several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Accredited Portfolio Management Advisor (APMA), Accredited Wealth Management Advisor (AWMA), Certified Exit Planning Advisor (CEPA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He also holds FINRA Series 7, 63, 65, and 6 registrations, as well as licenses in Life, Accident, and Health Insurance. Edward is involved with the Sydney Darragh Foundation, Inc. In his personal time, he enjoys cooking, scuba diving, and skiing.

Kristopher Horn is a financial advisor with LPL Financial in Waltham, MA, holding Series 63 and Series 65 registrations and totaling seven years of industry experience. He has been with LPL Financial since 2019 and concurrently works with Rockland Trust Company, where he has served since 2014. Horn is also a notary in Massachusetts. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Peter Boukheir is a financial advisor at Morgan Stanley in Wellesley, MA, holding a Series 66 designation with two years of industry experience. His prior work history includes roles at Boston College, St. Luke's Hospital, Bliss Express, and Dartmouth High School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutions. The firm emphasizes structured financial planning and utilizes advanced modeling tools as part of its comprehensive wealth management services.

Jonathan Karelitz is a financial advisor with Morgan Stanley in Wellesley, MA, holding a Series 66 designation and 21 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2014. He is a limited partner in K3 Capital LLC, an investment-related business. Morgan Stanley Wealth Management serves individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-approved tools.

Carl Cafaro is a Wealth Management Advisor and the founder of The Cafaro Group at Merrill Lynch Wealth Management, leading a twenty-five person team with offices in Newton, Massachusetts and Chicago, Illinois. He focuses on meeting and exceeding client goals through a disciplined wealth management approach, specializing in family wealth management strategies, personal retirement planning, portfolio management services, and tax minimization. Carl emphasizes a client-centric philosophy that prioritizes personalized service and care, aiming to guide high net worth families and individuals through complex financial environments and life transitions. Carl began his career in financial services in 2000 and has over twenty-five years of experience. He holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Carl earned a Bachelor's degree in Political Science with a minor in Economics from Assumption University in Worcester, Massachusetts, and a Master's degree in Higher Education Administration from Boston College. He remains active in the Assumption University community as a member of its Board of Trustees. Carl resides in Wellesley, Massachusetts with his wife Jacqueline and six children. He contributes to his local community by serving on the advisory board of the learning center Engaging Minds and on the Board of Directors for the Catalina Film Festival.

Victoria Staebler is a financial advisor with Merrill, holding a Series 66 designation and 25 years of industry experience. She has been with Merrill since 2005 and is also associated with Bank of America, N.A. since 2011. Outside of her advisory role, she manages a personal oil painting business and serves as a member of the investment committee for the Pro-Choice Massachusetts Foundation. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for a range of clients including individuals, high-net-worth clients, pension plans, and charitable organizations.

Jonathan Brummer is a Financial Advisor and co-head of The Six Bridges Group at Merrill Lynch Wealth Management. He holds the Chartered Financial Analyst (CFA) designation and the CERTIFIED FINANCIAL PLANNER (CFP) mark, underscoring his commitment to rigorous analysis and thorough financial planning. Jonathan applies a precise and analytical approach to investment strategy and financial planning. He emphasizes clear communication and education, helping clients understand the reasoning behind financial decisions. This approach supports individuals, families, and business owners in making confident and well-informed choices. He holds a Bachelor's Degree from Vassar College and is affiliated with the CFA Society of Boston. In addition to his professional pursuits, Jonathan's background as a rowing athlete is reflected in The Six Bridges Group's ethos, which connects key financial planning areas with the six bridges spanning the Head of the Charles race course. He is also a member of the Cambridge Boat Club.

Patrick Riley is a financial advisor at Fidelity Investments with Series 66 credentials and joined the firm in 2024. He has varied early career experience including roles in education and landscaping. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, employing proprietary fundamental research and quantitative analysis in constructing model portfolios from mutual funds, ETFs, and ETPs.

Rob Andreasse is a Financial Consultant at Fidelity Investments. He collaborates with individuals and families from various financial backgrounds to co-create personalized financial plans that clients feel comfortable and confident in. Rob has been with Fidelity Investments since 2021, holding roles including High Net Worth Associate, Financial Representative, Investment Consultant, and currently Financial Consultant. His experience spans multiple facets of financial advisory within the firm. Outside of his professional responsibilities, Rob engages in social activities with friends and participates in recreational interests such as golf, running, and spending time by the lake.

Mark Barber is a financial advisor with Raymond James & Associates, holding a Series 66 designation and over 25 years of industry experience. He previously worked at Morgan Stanley and Morgan Stanley Private Bank. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and charitable organizations, offering financial planning, non-discretionary consulting, and specialized municipal advisory services.

Paul Reed is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Mass Mutual Life Insurance Company, AllState Insurance Company, and Equitable Advisors. Outside of finance, he performs as part of a guitar duo in local venues. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written retirement income recommendations and ongoing annual planning advice focused on income sources and tax-aware withdrawal strategies.

Michael Lancaster serves as a Wealth Management Advisor at Merrill Lynch Wealth Management. He has over 20 years of experience in the financial services industry and holds professional designations including Certified Private Wealth Advisor (CPWA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He graduated from the Sellinger School of Business at Loyola University and passed the Certified Public Accountant (CPA) examination in 1986. Prior to his current role, Michael worked for 10 years as a Chief Financial Officer in the nonprofit sector. Michael specializes in areas such as college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management, values-based and ESG investing, individual and corporate investment strategy, tax minimization, and retirement income. He emphasizes collaboration with clients' attorneys, accountants, and other advisors to align financial advice with each client's overall situation and goals. Michael is committed to providing high levels of client service and satisfaction. He follows the Merrill tradition of community involvement and spends time volunteering with organizations including the Greater Boston Food Bank and Africa Exchange Project, Inc. Outside of his professional responsibilities, Michael enjoys cooking, fishing, football, golfing, pickleball, spending time with his family, and traveling.

Mark Luhtanen is a CFP® professional with 24 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he serves as a finance committee member of the United Commandery, a fraternal organization in Norwood, MA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable range of financial products including insurance-related vehicles and bank deposit sweep options.

Christian Jeeves is Vice President and Branch Leader at Fidelity Investments. In this role, he focuses on creating environments that support both clients and colleagues, emphasizing collaboration, integrity, and understanding client priorities. He has been with Fidelity Investments since 2022, initially serving as Planning Solutions Regional Vice President before advancing to his current position in 2025.

Gerard Delannoy is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and 12 years of industry experience. He has worked with J.P. Morgan entities since 2018 and previously held roles at Santander Securities and John Hancock. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized due diligence. The firm incorporates an ESG eligibility framework in its recommendations and offers access to a broad range of product types through its affiliations.

Michele Marini is a financial advisor at Fidelity with 21 years of industry experience. She holds Series 63 and Series 66 designations and has worked at National Financial Services Corporation and Fidelity Investments. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios.

Tracy Teng is a financial advisor with LPL Financial based in Westwood, MA, holding a Series 66 license and 23 years of industry experience. Prior to joining LPL Financial in 2021, Teng worked at Mass Mutual Investors Services, Massmutual Life Insurance Co, Metlife Securities Inc., and Mariner. 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, and institutional platforms.