Alan Hartstone is a financial advisor with Cetera in Boston, MA, holding the PFS™ credential and securities licenses Series 63 and Series 65. He has 30 years of industry experience, including long tenures at Avantax Insurance Agency LLC and Guardian Life Insurance. Outside of financial advising, he is a partner in Hartstone Entertainment, LLC, which holds a minority ownership interest in a Double "AA" professional baseball team. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, operating across multiple program structures with over $256 billion in assets under management.

John Hage is a financial advisor at Stifel in Boston, MA, with 28 years of industry experience. He has held his current position since 2015 and holds Series 63 and Series 65 designations. Outside of his advisory role, he serves on the board of directors for the Hockomock YMCA and is the treasurer of the Cocasset Lake Association. Stifel serves a broad range of clients including individuals, institutions, and municipalities, offering brokerage and investment advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and planning analyses, supporting client decision-making without guaranteeing outcomes.

Nancy Marchand is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Goldman Sachs and Goodwin Procter. Based in Boston, MA, she is also employed by JPMorgan Bank, where she can offer deposit and credit products. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm’s services are delivered on a non-discretionary basis, with clients retaining final decision-making authority.

Akash Samad is a financial advisor with Charles Schwab in Boston, MA, holding a Series 66 designation and one year of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. He serves as a board member at large for the Eastern Massachusetts Chapter of the Penn State Alumni, where he assists with organizing charity and social events. Charles Schwab serves primarily 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, supported by a centralized operational structure and multi-asset investment approaches.

Gregg Miles is a financial advisor with MassMutual Investors Services in Boston, MA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with MML Investor Services and MassMutual Life Insurance Company since 2005. Outside of his advisory role, he is a managing partner at CCA IPG, LLP, a firm that provides life insurance solutions to non-U.S. citizens and dual citizens living in the U.S., primarily Canadian citizens and professional athletes. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm employs a collaborative, goal-oriented planning approach using firm-approved software and tools, with optional implementation of recommendations through separate brokerage or insurance arrangements.

Gerard Lorden is a financial advisor with Morgan Stanley in Boston, MA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Lorden serves on the National Defense Industrial Association board and participates on strategic advisory councils related to national security and technology, including roles with OnPoint Technologies and Dynetics, as well as involvement with the MA Anti-Terrorism Advisory Council. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured tools and modeling techniques but does not include individual security recommendations as part of standalone planning.

Matthew Turowetz is a financial advisor at J.P. Morgan Securities in Boston, MA, holding a Series 66 designation. He joined J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2026 and has prior experience at WS Development, LEK Consulting LLC, Santander Bank, and Boston College. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. Their Institutional Consulting Services program offers customized advice while clients retain final decision-making authority.

Chloe Griffiths is a financial advisor at Morgan Stanley in Boston, MA, holding Series 63 and Series 66 licenses with seven years of industry experience. Her career includes positions at Northwestern Mutual and several smaller firms before joining Morgan Stanley in 2019. Morgan Stanley Wealth Management serves both individual and institutional clients by offering comprehensive financial planning and advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools alongside its Financial Advisors and Estate Planning Strategies Group.

Joseph Alibrandi is a financial advisor at UBS Financial Services with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at First Republic Investment Management, First Republic Securities Company, and MFS Fund Distributors. He is based in Boston, MA. 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 utilizes proprietary research and model-based asset allocations to tailor strategies to clients' goals and risk tolerances.

Meredith Lopez is Vice President and Financial Consultant at Fidelity Investments. She has held this position since 2005 and has been with Fidelity in various financial roles since 1998. With over 25 years of experience, Meredith has collaborated with families and businesses to develop financial strategies tailored to their long-term goals. She holds a California Insurance License, reflecting her qualifications in insurance-related financial services. Outside of her professional work, Meredith enjoys beach activities, family time, social events with friends, horseback riding, outdoor adventures, and volunteering.

John Spooner is a financial advisor with Morgan Stanley in Boston, holding Series 63 and Series 65 credentials and bringing 65 years of industry experience. He has worked at Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association, since 2015. Outside of advising, he contributes as an editor to Boston Magazine and writes books and articles related to investing. Morgan Stanley Wealth Management serves individuals and institutional clients with a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools, incorporating various modeling techniques, and offers both direct and employer-based financial planning services.

Jacob Fink is a financial advisor with LPL Financial in Boston, MA, holding a Series 66 designation and seven years of industry experience. His professional background includes roles at Bank of America, Merrill, and Proficio Capital Partners, as well as academic positions at the University of Hartford. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research and operational tools.

Giorgio Scappini is a financial advisor with Morgan Stanley in Norwell, MA, holding a Series 66 designation and bringing 19 years of industry experience. Prior to joining Morgan Stanley in 2017, he worked at Bank of America, Merrill, and Banc of America Investment Services. Outside of his advisory role, he is involved in managing a rental property business in Providence, Rhode Island. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutions, offering tailored financial planning supported by firm-approved tools and investment committee insights. The firm manages approximately $2.74 trillion in client assets and delivers a broad range of investment programs.

Norbert Unger III is a financial advisor with Merrill in Boston, MA, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. He has been with Merrill and Bank of America since 2013. Unger serves on the Board of Overseers for Mount Auburn Hospital as a donor and occasional participant in fundraising events. 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 and profit-sharing plans, corporations, and charitable organizations.

Ahamad Makouk is a financial advisor with LPL Financial based in Boston, MA, holding Series 63 and Series 66 credentials and bringing 10 years of industry experience. He previously worked at John Hancock and its affiliates for eight years before joining LPL Financial in 2023. 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 and model portfolio programs, with advice delivered primarily through its network of investment adviser representatives.

Herbert Daroff is a CFP® professional with 43 years of industry experience, currently serving at MassMutual Investors Services since 2017. He has prior experience with MetLife Securities Inc. and MassMutual Life Insurance Company. Beyond his financial advisory role, he is also a practicing attorney admitted to the Massachusetts and Pennsylvania bars. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers asset management, wrap and money-manager programs, and educational seminars.

Martin Sheehan is a financial advisor at Merrill with Series 63 and Series 66 credentials and five years of industry experience. He has worked at Merrill since 2020 and previously held roles at Citizens Private Wealth and Citizens Bank. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Sharon Kapluto is a Senior Financial Advisor at Merrill Lynch Wealth Management. She holds the professional designation of Personal Investment Advisor (PIA), reflecting her commitment to providing personalized investment guidance. Sharon earned both her Bachelor's Degree and Master of Business Administration (MBA) from Ben-Gurion University. Her educational background supports her expertise in financial management and advisory services.

Katherine Sheridan is a CFP® with 15 years of industry experience and has been with Stifel since 2015. She holds Series 63 and Series 66 licenses. Outside of her advisory role, she serves on various boards, including the Story School Condo Association, The Beach Club social club, Siesta Royale Apartments Co-Op Association, and Marblehead Dollars for Scholars, where she participates in local scholarship fundraising efforts. Stifel serves a diverse client base, including individuals, institutions, and municipalities, offering brokerage and investment advisory services. The firm’s investment approach relies on proprietary methodologies developed by its Investment Strategy Group, providing forward-looking capital market assumptions and probabilistic modeling to support asset allocation and financial planning.

Michael Mazzotta is a financial advisor with Morgan Stanley in Boston, holding a Series 66 designation and six years of industry experience. He has worked at Morgan Stanley and its affiliates since 2019 and was previously employed at Financial Engines. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and planning strategies.