Michael Heberlein is a CFP® professional with 12 years of experience at MassMutual Investors Services and MassMutual Life Insurance Company in Boston, MA. His background includes roles in individual life, group life, and group health insurance sales. Additionally, he is involved in exit planning execution referrals as the owner of a business that introduces clients to an exit planning firm. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative, annual planning engagements that utilize firm-approved analytical tools.

John Mc Donough is a financial advisor with J.P. Morgan Securities in Boston, MA, holding Series 63 and Series 65 licenses and 17 years of industry experience. His prior roles include positions at MFS Investment Management and several financial firms between 2006 and 2019. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with brokerage, distribution, and investment management capabilities.

Steven La Pointe is a financial advisor with UBS Financial Services in Boston, MA, holding a Series 66 designation. He began his advisory career at UBS in 2022. Prior to joining UBS, he held positions outside of finance, including roles at Whole Foods Market and Bryant University. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services. The firm combines institutional trading capabilities with wealth management, offering fee-based financial planning, portfolio management, and access to proprietary research and capital markets products.

Juan Ren is a financial advisor with UBS Financial Services in Boston, MA, holding a Series 66 designation and 18 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and CitiGroup Global Markets. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor plans to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, providing a broad range of financial solutions.

Michael Murphy is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 38 years of industry experience. Prior to joining Wells Fargo in 2025, he worked at UBS Financial Services from 2011 to 2025. He serves on an advisory committee for William W. Backus Hospital, providing oversight on investment management, and is CEO of Darwin Cooper, a philanthropic organization supporting Olympic aspirants. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory. The firm’s advisory process includes a diverse range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Erin Kelly is a financial advisor at Merrill with 27 years of industry experience. She holds Series 63 and Series 66 registrations and has been with Merrill Lynch, Pierce, Fenner & Smith Inc. since 2002. The firm, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. Merrill offers model-based and discretionary investment strategies supported by internal teams and third-party managers for individuals, high-net-worth clients, and institutional investors.

Nicholas Petri is a Series 66-licensed financial advisor with 18 years of industry experience. He has worked at J.P. Morgan Securities and Jpmorgan Chase Bank, N.A. since 2018, following an 11-year tenure at UBS Financial Services, Inc. based in Boston, MA. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm delivers these services alongside affiliated brokerage, distribution, and investment management capabilities.

Steven Murray is a financial advisor at Edelman Financial Engines with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Financial Engines Advisors L.L.C. since 2015. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios and supports a large participant base through both advisor-led and online offerings.

Monica Dugan is a CFP® with 24 years of industry experience, currently serving at Fidelity Investments since 2014 in various capacities including her current role at Strategic Advisers LLC. Her prior experience includes positions at TD Ameritrade and Ameriprise. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage and advise on a range of funds and model portfolios.

Richard Grande is a financial advisor at Morgan Stanley with 51 years of industry experience. He holds a Series 63 designation and has previously worked at J.P. Morgan Chase Bank, N.A., J.P. Morgan Securities, and First Republic Investment Management. Outside of his advisory role, he consults on asset allocation and participates in manager selection for Quincy Point Congregational Church Homes, a senior citizen housing facility. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs, including tailored financial planning supported by firm-approved tools and market analyses.

Jesse Finn is a financial advisor at Morgan Stanley in Boston, holding a Series 66 designation. He has one year of industry experience, with prior roles at TD Bank, Fidelity Investments, and B. Riley Financial, among others. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning and access to extensive investment resources and tools.

Daniel Gurian is a financial advisor with UBS Financial Services in Boston, MA, holding Series 63 and Series 65 designations and bringing 29 years of industry experience. He has been with UBS since 2001. Outside of his advisory role, he serves as Treasurer and Investment Committee Chairperson on the board of a nonprofit organization focused on disability work, overseeing its endowment. 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, supported by proprietary research and a broad platform of capital markets and lending solutions.

Antonio Lanuza is a financial advisor at Merrill with 23 years of industry experience. He holds the Series 66 designation and has been with Merrill since 2002. 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. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

James Murray is a Vice President and Financial Consultant at Fidelity Investments. He collaborates with clients to develop financial plans that address both short-term and long-term goals, aiming to support them through significant life events and work toward their financial success. He began his career at Fidelity Investments in 2019 as a Financial Representative and has held several roles within the company, including Relationship Manager, Investment Consultant, and Financial Consultant, before assuming his current position in 2026. His experience encompasses various aspects of financial consulting and client relationship management. Outside of his professional role, James enjoys football and golf.

Kathryn Walsh is a financial advisor at Morgan Stanley in Boston, MA, holding a Series 66 designation with three years of industry experience. Her prior roles include positions at State Street Bank, Ferris Capital, and Trinity College. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer offering advisory programs to individuals and institutions, providing tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers a broad range of retail and institutional investment services.

Paul Toomey is a financial advisor with Wells Fargo Clearing in Boston, MA, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has worked with Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing, where he has been since 2016. He serves as an investment committee member for the Boston Latin School Association. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Chenxuan Zhang is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, Zhang worked at Bank of America and has experience in academic settings at the University of Massachusetts Amherst and Wentworth Institute of Technology. Outside of finance, Zhang was involved with Vivi Bubble Tea from 2018 to 2022. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Inna Savich is a financial advisor at Wells Fargo Clearing with three years of industry experience. She holds a Series 63 designation and has worked at multiple firms including Citi Wealth, Merrill, and Integrity Alliance, LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm employs over 14,000 advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions supported by in-house research and third-party analytics.

Eumene Lee is a financial advisor at Morgan Stanley with four years of industry experience. Prior to joining Morgan Stanley in 2021, Lee worked at NEPC, LLC and Mercer Investment Management. Lee holds a Series 66 designation. Morgan Stanley Wealth Management provides advisory services and tailored financial planning to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and investment models.

Christian Natareno is a financial advisor with Mass Mutual Investors Services in Boston, MA, holding a Series 66 designation and one year of industry experience. Prior to his current role, he worked at DoorDash and in municipal recreation, as well as serving at the University of New Hampshire. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers collaborative, goal-focused financial planning using firm-approved analytical tools and maintains a variety of event-driven planning programs.