Nicholas Gould is a financial advisor with Morgan Stanley in Wellesley, MA, holding a Series 66 designation and two years of industry experience. Prior to joining Morgan Stanley, he worked at Chatham Pier Fish Market and was involved with educational programs at Stonehill College and the Monomoy Cooperative Learning Program. Outside of finance, he has experience as an employee at a restaurant and bar business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving 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 uses structured planning tools and market modeling to support its services.

Todd Vogel is a financial advisor with Morgan Stanley in Wellesley, MA, holding Series 63 and Series 66 credentials and over 28 years of industry experience. He has been with Morgan Stanley since 2016, including roles at Morgan Stanley Private Bank, and previously worked at Bank of America and Merrill. Outside his advisory role, he is involved with All That Jazz Dance Studio Ltd. as a clerk and also owns a retail business selling sneakers. Morgan Stanley Wealth Management provides advisory services and financial planning to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and offers a range of investment programs, combining retail and institutional capabilities.

Christopher Esposito is a financial advisor with Ameriprise in Norwell, MA, holding Series 63 and Series 65 credentials and 10 years of industry experience. He previously worked at John Hancock and John Hancock Funds LLC for six years before joining Ameriprise. Esposito manages his advisory business through an outside entity, Onipa?a Enterprise, LLC. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized retirement income service focused on dependable income sources and tax-aware withdrawal strategies. The firm’s retirement planning integrates proprietary research and third-party data and operates within a defined investment universe influenced by affiliated product relationships.

John Destefanis is a financial advisor with Cambridge Investment Research Advisors in Hingham, MA. He holds Series 63 and Series 65 licenses and has one year of industry experience. Prior to joining Cambridge, he worked at Providence Equity Partners for two years. He also serves as a committee member and volunteer at Boston College High School. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, trusts and estates, and retirement-plan sponsors. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent financial professionals, employing a range of portfolio management approaches and platform arrangements.

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.

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.

Lillian Whelan is a Planning Consultant at Fidelity Investments, where she works as part of the Wealth Management Team. In her current role, she collaborates with new and existing clients to develop personalized financial plans tailored to each client and their family. Lillian has been with Fidelity Investments since 2023. She began her career as a Financial Representative before advancing to the role of Relationship Manager in 2025. Later that year, she transitioned to her current position as a Planning Consultant.

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.

Bruce Beagley IV serves as a Resident Director and Wealth Management Advisor at Merrill. He provides financial strategies tailored for high net-worth individuals and business owners, emphasizing a planning-centric and goals-based wealth management process. His approach involves thoroughly understanding clients' financial priorities by actively listening to their current situations, future objectives, and concerns, then creating customized financial plans and investment management strategies to help pursue their financial and life goals. Bruce holds a Bachelor's Degree from Roger Williams University and maintains several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His expertise encompasses areas such as college education planning, corporate executive services, executive compensation, personal retirement planning, portfolio management, and tax minimization. In addition to his professional responsibilities, Bruce is actively involved in his community. He serves as President of the North River Business Alliance, sits on the Board of Directors for the North and South Rivers Watershed Association, and has been a past member of the Board of Directors for The Arc of the South Shore. His personal interests include baseball, boating, camping, fishing, reading, running, scuba diving, skiing, softball, and spending time with his family.

Patrick Gill is a financial advisor with Ameriprise Financial Services LLC, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Eaton Vance Management. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a centralized consulting approach, with an emphasis on assets held in Ameriprise managed accounts.

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, reflecting his commitment to a rigorous and analytical approach to investment strategy and financial planning. With a focus on precision and thoroughness, Jonathan synthesizes sophisticated financial concepts into actionable and cohesive strategies tailored for his clients. He emphasizes education and clear communication, helping individuals, families, and business owners understand the reasoning behind each financial decision to enable them to move forward with confidence. Jonathan holds a Bachelor's Degree from Vassar College. He is a member of the CFA Society of Boston and the Cambridge Boat Club. The ethos of The Six Bridges Group is influenced by Jonathan's background as a rowing athlete and his Boston heritage, symbolized by the six critical pillars of financial planning.

Anne Diamond is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 15 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2016. Outside of her advisory role, she is involved with a modeling agency, Model Club Inc., including work modeling for a Hasbro Toys video. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and investment insights from its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and offers a broad range of retail and institutional services.

Joseph Bevilacqua is a financial advisor at Cetera with 26 years of industry experience. He holds Series 63 and Series 66 designations and previously spent 27 years with Linsco / Private Ledger Corp. Bevilacqua is also an independent insurance agent operating under Bevilacqua Associates. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts, offering a variety of portfolio management and financial planning services through a multi-manager platform.

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.

Derek Delzer is a Planning Consultant at Fidelity Investments, where he collaborates with clients to create and manage customized financial plans. He has been with Fidelity Investments since 2023, progressing through roles as a Financial Representative and Relationship Manager before his current position starting in 2026. Throughout his tenure at Fidelity Investments, Derek has developed expertise in client relationship management and financial planning. His professional experience encompasses working directly with clients to address their financial needs and goals. Outside of his professional responsibilities, Derek enjoys family activities, fitness, exploring culinary experiences, football, and traveling.

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 at Ameriprise with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Mass Mutual Investors Services, Mass Mutual Life Insurance Company, AllState Insurance Company, and Axa Advisors, LLC. Outside of his advisory role, he performs in a guitar duo called MacPablo. Ameriprise offers retirement-income planning services tailored to individuals nearing or in retirement with significant investable assets, combining research-driven modeling and tax-efficient strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.