Spencer Betts is a financial consultant with Bickling Financial Services in Lexington, Massachusetts. Spencer started with Bickling Financial Services, Inc., in 2000. He is a CERTIFIED FINANCIAL PLANNERS" and an Accredited Investment Fiduciary". Starting in 2015 Spencer became a CFP® Board Ambassador. In this role Spencer helps the Board spread it message of financial education, the financial planning process and the need for financial planning education. Spencer earned his B.S. in Physics from Old Dominion University, his designation CERTIFIED FINANCIAL PLANNERS" from the College for Financial Planning and his Accredited Investment Fiduciary designation from the Center for Fiduciary Studies. He holds series 6, 7, 63 and 24 securities registrations through PKS Investments and also holds an insurance producer license. As a Past President of Lexington Rotary and a Paul Harris Fellow, a Mason and a member of a number of networking groups, Spencer stays active within the community. He lives in Bedford with his wife, Jessica, and two small children, Taylor and Ryan. Spencer Betts is a registered representative with PKS Investments and an Investment Advisor Representative with Bickling Financial Services, Inc., a registered investment advisor and is a and is a licensed insurance agent.

About Bickling Financial Services, Inc

Bickling Financial Services, Inc., was founded in 1984 by Dorothy Bickling. At the inception of Bickling Financial Services Dorothy set the priorities of the firm: - to provide advice with the best interest of the clients as the primary consideration - to make sure that clients understand their investment options - to provide sage, objective counsel supporting each client's financial decisions Dorothy and her sons, Spencer Betts and Andrew Betts, have more than 50 years of combined experience. We are proud of our multi-generational heritage and plan on extending it into the future.

Bill has been with UBS Financial Services Inc. since 2002 and has more than 25 years of financial services experience. Bill is an experienced wealth management advisor with a primary focus of working with executives, professionals, affluent individuals and families. His experience ranges from working with families to people at start-up organizations to large corporations. At the center of every relationship is Bill's consultative and proven wealth management process to help clients with what is most important to them. He offers a caring approach and personalized solutions. Bill's knowledge and experience enable him to help determine, formulate and implement appropriate plans to help clients pursue their financial goals. Bill and his family live in Natick, MA. His wife Mary Ann, daughter, Anna and a son, Austin. When not working you can find him coaching on a soccer field, skiing or golfing. Bill holds the Series 3, 7, 63 and 65 securities licenses as well as life insurance licenses and was awarded the CFP® designation.

About UBS Financial Services

About UBS. As the worlds largest wealth manager, UBS is strongly positioned to address the realities of the global economy and a range of our clients sophisticated needs. With more than 150 years of wealth management expertise at its core, UBS focuses on providing relevant guidance, differentiated global perspectives and diverse strategies and solutions for clients worldwide. UBS Financial Advisors are dedicated and passionate professionals who recognize that financial goals and life goals are uniquely intertwined. Through a customized approach, they access the deep resources and wealth management expertise of the firm, to deliver the trusted financial advice clients seek today to confidently move forward.

Advisory Services Provided

Portfolio Management, Retirement Planning, Wealth Management, Financial Advice & Consulting, Financial Planning for Individuals, Financial Planning for Businesses

With more than 20 years of experience in the financial services industry, Lauren D. Toli understands that serving clientsfinancial and investment needs begins with building strong, lasting partnerships. She focuses on listening to each client because she believes everyones needs and financial goals for the future are unique. Lauren worked at Fidelity Investments for 21 years, where she served as Vice President/Trading. She also held the position of Currency Management Officer with State Street. Additionally, she currently holds Series 7, 63 and 55. Lauren graduated from Stonehill College with a Bachelor of Arts degree in Communications and Business minor. She has taken graduate level business courses toward a Suffolk University MBA. A firm believer in continuing education, Lauren enhances her experience by participating in continuing education courses. Lauren takes pride in community involvement. She has served as Trustee for the Albanian Archdiocese in America since 1990. She is also a member of the investment committee at St. George Cathedral where she serves as a member of the advising team. In 2008 Lauren was co-chair of 100th anniversary of the founding of the Archdiocese in America at which 1000 people attended a dinner dance with guest of honor Jim Belushi. Lauren currently resides in Dedham, MA with her husband Michael and daughter Jordan. When Lauren is not working with clients, Lauren enjoys golfing, going to the beach and spending time with her.

About Equitable Advisors

Our purpose is to help people build fulfilling futures. Our mission is to help our clients secure their financial well-being so they can pursue long and fulfilling lives. Now and into the future, we can help you face your future with condence.

Advisory Services Provided

Financial Planning for Individuals

As financial planner with more than 20 years of experience, I enjoy helping my clients make the best decisions with the resources they have. My goal is to help them plan properly to be able to reach their future financial goals. I enjoy giving back to my community by volunteering to help service members and their families. Im also a hockey coach and a big Boston Bruins fan.

About Edelman Financial Engines, LLC

Since 1986, Edelman Financial Engines has been committed to always acting in the best interest of our clients. We were founded on the belief that all American investors - not just the wealthy - deserve access to personalized, comprehensive financial planning and investment advice. Today, we are America's top independent financial planning and investment advisor, recognized by both InvestmentNews¹ and Barron's², with 180+ planner offices across the country and entrusted by more than 1.1 million clients to manage more than $200 billion in assets. Our unique approach to serving clients combines our advanced methodology and proprietary technology with the attention of a dedicated personal financial planner. Every client's situation and goals are unique, and the powerful fusion of high-tech and high-touch allows Edelman Financial Engines to deliver the personal plan and financial confidence that everyone deserves. ¹Ranking and status for 2017. For independence methodology and ranking, see InvestmentNews Center (http://data.investmentnews.com/ria/); ²The Top 40 Independent Advisory Firm Ranking issued by Barron's is qualitative and quantitative, including assets managed, the size and experience of teams, and the regulatory records of the advisers and firms. Firms elect to participate, but do not pay to be included in the ranking. Investor returns/experience are not considered. 2018 ranking refers to Edelman Financial Services (EFS), which combined its advisory business in its entirety with Financial Engines Advisors L.L.C. (FEA) in November 2018. For the same survey, FEA received a precombination ranking of twelfth.

I became a financial planner over a decade ago because I enjoy helping my clients in achieving peace of mind and pursuing their life dreams through financial planning. In my time away from work, I enjoy hiking in the mountains with my wife and two daughters. I also like keeping my mind sharp and building new skills. Currently, Im learning to play guitar.

About Edelman Financial Engines, LLC

Since 1986, Edelman Financial Engines has been committed to always acting in the best interest of our clients. We were founded on the belief that all American investors - not just the wealthy - deserve access to personalized, comprehensive financial planning and investment advice. Today, we are America's top independent financial planning and investment advisor, recognized by both InvestmentNews¹ and Barron's², with 180+ planner offices across the country and entrusted by more than 1.1 million clients to manage more than $200 billion in assets. Our unique approach to serving clients combines our advanced methodology and proprietary technology with the attention of a dedicated personal financial planner. Every client's situation and goals are unique, and the powerful fusion of high-tech and high-touch allows Edelman Financial Engines to deliver the personal plan and financial confidence that everyone deserves. ¹Ranking and status for 2017. For independence methodology and ranking, see InvestmentNews Center (http://data.investmentnews.com/ria/); ²The Top 40 Independent Advisory Firm Ranking issued by Barron's is qualitative and quantitative, including assets managed, the size and experience of teams, and the regulatory records of the advisers and firms. Firms elect to participate, but do not pay to be included in the ranking. Investor returns/experience are not considered. 2018 ranking refers to Edelman Financial Services (EFS), which combined its advisory business in its entirety with Financial Engines Advisors L.L.C. (FEA) in November 2018. For the same survey, FEA received a precombination ranking of twelfth.

Bill Coke is a Managing Director and Wealth Advisor with J.P. Morgan Wealth Management. With over 30 years of financial services and industry experience, Bill focuses on asset allocation, portfolio management and planning for his clients, who include high-net-worth individuals, corporate executives, foundations, endowments and institutions. He works with his clients to build and customize diverse strategies suited to their specific risk tolerance and consistent with their short- and long-term goals, using a range of asset classes that include fixed income, equities, foreign investments, real estate, commodities and alternatives. Bill also has significant experience in serving middle-market pension plans, money managers, hedge funds and private equity firms, as well as assisting select corporate executives with executing public company control and restricted stock transactions, allowing them to monetize their illiquid holdings. Bill enjoys the challenges inherent in volatile markets and endeavors to translate this passion to the benefit of his clients, backed by a solid organization with leading research and thought leadership, including J.P. Morgans vast array of institutional money management services. These internal and third-party managers are subject to extensive evaluations, interviews and in-depth questionnaires in order to provide Bill and his team with the tools they need to help his clients meet their financial needs. Prior to joining J.P. Morgan in 1991, Bill worked at Shearson Lehman/American Express and General Reinsurance, where he was responsible for evaluating and underwriting commercial property and casualty risks of Fortune 500 companies. A New England native, Bill grew up in the town of Harvard, Massachusetts, graduating from the University of MassachusettsAmherst with a B.A. in Business and Finance. As an active alumnus, Bill is a Founding Board Governor of the UMass Club in Boston. Being a strong proponent of education in his community, Bill has also served on the Parents Council of the Brooks School in North Andover, and has served two terms on the Board of Trustees at Lawrence Academy in Groton. In his free time, Bill enjoys skiing, running, sailing and spending time with his wife and their two sons at their home in Topsfield, Massachusetts.

About The William R. Coke Group

Mission With over 30 years of experience in the industry, we focus on delivering comprehensive, tailored investment plans designed to meet our clients goals. We deliver world-class research and trading, and support our individual clients by building diversified strategies using a range of asset classes.

About Advanced Portfolio Design, LLC

Knowing, understanding and communicating with our clients are our top priorities. Within a year of becoming Wealth Planning clients at Advanced Portfolio Design, LLC: I want clients to say Wow, I really feel like we are doing all of the right things to protect and build and pass on our wealth; we are using the most appropriate investment, tax, insurance and estate strategies. We have a handle on our property ownership and our business interests.

I've been working with individuals just like you and their families for over 30 years. As president of Safe Harbor Retirement Planning, I've served as a relentless retirement guide to thousands of individuals since 1986. I believe the successful relationships I have created with my clients is due to the fact I ask the questions other advisors simply don't ask; it's what allows me to make the best decisions for each client's unique situation and help to assure them that their dreams are in capable hands. You can find me advocating for retirement success as a go-to financial educator in the media, a former radio talk show host, and as an author. My most recent book Don't Outlive Your Money in Retirement! 7 Key Steps, unveiled the very step-by-step process I use with clients to help maximize their retirement journey, and has been refined over the past three decades. I've been featured in the Wall Street Journal, ABC news.com, FOXNews.com, and Bloomberg radio, as well as locally (Boston) on NECN and WRKO. I'm also a multiyear recipient of Boston Magazine's 5 Star Wealth Manager award*.

About Safe Harbor Retirement Planning

I am a relentless advocate for helping you pursue and enjoy the retirement that you've worked so hard to earn. As a CERTIFIED FINANCIAL PLANNER professional for over 30 years, I'm eager to use my experience and knowledge to take the mystery out of retirement planning for you. I've developed an individualized 7-Step Retirement Planning System that helps to simplify the process and guides you toward strategies to help generate the income you need for the rest of your life. Retirement is a journey and I'm dedicated to walking it with you, hand-in-hand, every step of the way.

Advisory Services Provided

Portfolio Management, Money Management, Financial Advice & Consulting, Financial Planning for Individuals, Insurance Planning

Mike is a Partner at MSA Financial and a CERTIFIED FINANCIAL PLANNER® practitioner. Interacting with clients and guiding them toward a confident and comfortable retirement is Mike's priority. Mike specializes in helping individuals, couples and families develop and implement sound financial strategies by providing comprehensive planning and investment advice. Mike especially enjoys the personal relationships he has developed with clients over the years. Mike also supports small business owners, especially those in professional services. These owners looks to Mike to help them keep more of what they make through extensive financial planning, retirement plan construction and tax planning. Mike joined MSA Financial in 2004. He is a graduate of St. Anselm College in Manchester, NH with a Bachelor of Arts in Financial Economics. He holds the Series 7 (FINRA General Securities Representative), Series 63 (NASAA Uniform Securities Agent State Law Examination), Series 66 (NASAA Uniform Combined State Law Exam), Variable Life and Annuity, and Massachusetts Individual Insurance Producers licenses.

About MSA Financial

Helping people live their lives with financial confidence. Being able to live through life stages into retirement begins with making good decisions about your financial future. Partnering with a seasoned firm with knowledgeable, trusted financial advisors who understand your needs can make these important choices easier. Experience We have managed money through some dramatic markets. Today's investing environment is no less dynamic. Managing risk is how best to stay ahead. What we do best is seek the opportunities amid all the changes and volatility. We take a holistic approach to protecting and safeguarding client portfolios. Expertise Our advisors help clients envision how they can afford to retire. By creating a personal plan, we work to maximize the income and minimize the risks of volatile markets. We actively manage your financial portfolio and keep you informed all along the way. Independence We are an independent firm. This means we have access to a myriad of investment choices and have no allegiance to any company in particular. Our financial advice and investment recommendations are unbiased and firmly rooted in our client's needs and goals. Let us help you live your life with financial confidence.

Advisory Services Provided

Portfolio Management, Retirement Planning, Financial Advice & Consulting, Financial Planning for Individuals, Financial Planning for Businesses

Since 1992, I've been helping my clients achieve an ever-increasing degree of financial independence. As a financial planner, I get to experience a great degree of personal and professional satisfaction assisting people in their pursuit of their financial goals. My free time is filled being with family and friends, hiking, skiing, exercising, and riding my motorcycle.

About Edelman Financial Engines, LLC

Since 1986, Edelman Financial Engines has been committed to always acting in the best interest of our clients. We were founded on the belief that all American investors - not just the wealthy - deserve access to personalized, comprehensive financial planning and investment advice. Today, we are America's top independent financial planning and investment advisor, recognized by both InvestmentNews¹ and Barron's², with 180+ planner offices across the country and entrusted by more than 1.1 million clients to manage more than $200 billion in assets. Our unique approach to serving clients combines our advanced methodology and proprietary technology with the attention of a dedicated personal financial planner. Every client's situation and goals are unique, and the powerful fusion of high-tech and high-touch allows Edelman Financial Engines to deliver the personal plan and financial confidence that everyone deserves. ¹Ranking and status for 2017. For independence methodology and ranking, see InvestmentNews Center (http://data.investmentnews.com/ria/); ²The Top 40 Independent Advisory Firm Ranking issued by Barron's is qualitative and quantitative, including assets managed, the size and experience of teams, and the regulatory records of the advisers and firms. Firms elect to participate, but do not pay to be included in the ranking. Investor returns/experience are not considered. 2018 ranking refers to Edelman Financial Services (EFS), which combined its advisory business in its entirety with Financial Engines Advisors L.L.C. (FEA) in November 2018. For the same survey, FEA received a precombination ranking of twelfth.

Sara Gibbs is an registered investment consultant and financial advisor who provides personal attention to your financial goals. As a full service, licensed investment professional since 1986 Sara can manage your portfolio of investments and works closely with many individual money managers. She specializes in wealth accumulation and retirement planning. She holds licenses in both securities and insurance. Special emphasis on: Asset Allocation Portfolio Management Wealth Accumulation and Preservation Sara and her husband Arthur reside in Scituate, MA

About Sara Gibbs Wealth Management

We are committed to maintaining the highest standards of integrity and professionalism in our relationship with you, our client. We endeavor to know and understand your financial situation and provide you with only the highest quality information, services, and products to help you reach your goals.

I've been helping my clients make the most of their financial lives and reach their long-term goals since 2009. Previously, I was a field artillery officer in the Army and spent 27 months deployed to Iraq. I love hanging out with my wife and three children, and we enjoy getting out on the water. In my spare time, I like to hack around a golf course and try to stand up on a surf board.

About Edelman Financial Engines, LLC

Since 1986, Edelman Financial Engines has been committed to always acting in the best interest of our clients. We were founded on the belief that all American investors - not just the wealthy - deserve access to personalized, comprehensive financial planning and investment advice. Today, we are America's top independent financial planning and investment advisor, recognized by both InvestmentNews¹ and Barron's², with 180+ planner offices across the country and entrusted by more than 1.1 million clients to manage more than $200 billion in assets. Our unique approach to serving clients combines our advanced methodology and proprietary technology with the attention of a dedicated personal financial planner. Every client's situation and goals are unique, and the powerful fusion of high-tech and high-touch allows Edelman Financial Engines to deliver the personal plan and financial confidence that everyone deserves. ¹Ranking and status for 2017. For independence methodology and ranking, see InvestmentNews Center (http://data.investmentnews.com/ria/); ²The Top 40 Independent Advisory Firm Ranking issued by Barron's is qualitative and quantitative, including assets managed, the size and experience of teams, and the regulatory records of the advisers and firms. Firms elect to participate, but do not pay to be included in the ranking. Investor returns/experience are not considered. 2018 ranking refers to Edelman Financial Services (EFS), which combined its advisory business in its entirety with Financial Engines Advisors L.L.C. (FEA) in November 2018. For the same survey, FEA received a precombination ranking of twelfth.

Ayaz Mahmud is the Founder and CEO of West Branch Capital. He is a dedicated Portfolio Manager for Client accounts of the firm and also serves as the firm's Chief Compliance Officer. Mr. Mahmud earned a Bachelor's Degree from Syracuse University in 1976 and a Master of Business Administration and a Master of Arts from Syracuse University in 1982. Four office locations for client convenience: Amherst, Hingham, and Hyannis Massachusetts; and Williamsville, New York.

About West Branch Capital LLC

West Branch Capital is an independent fee-only, SEC registered Investment Adviser acting in a fiduciary capacity providing holistic Wealth Management Services, Investment Management, Financial Planning, Estate Planning and Tax Strategies. Four office locations: Amherst, Hingham, and Hyannis, Massachusetts and Williamsville, New York

Advisory Services Provided

Portfolio Management, Financial Planning for Individuals