Declan Walmsley is a financial advisor with LPL Financial in Middletown, RI, holding a Series 66 designation. He has been in the industry since 2025, with prior experience that includes roles at Finn & Meehan Wealth Management and Lifetime Moving Co. His background also includes various positions in education and community recreation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and nonprofits. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios, research, and technology-driven investment strategies.

Stephen Fernandes is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Citizens Securities, Inc. and Citizens Bank. 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 team of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations to deliver comprehensive advisory and brokerage services.

David Stern is a financial advisor at LPL Financial with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing and Wells Fargo Advisors. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, with discretionary and non-discretionary management supported by proprietary and third-party research.

Andre Freitas is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 14 years of industry experience. He previously worked at Edward Jones for eight years before joining Wells Fargo Clearing in 2019. Outside of his advisory role, he maintains ownership of a building company in Wakefield, Rhode Island. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Richard Strout is a CFP® with 12 years of industry experience, currently an advisor at Edward Jones since 2018. Prior to joining Edward Jones, he worked at Fidelity Investments Institutional Services Company, Inc. from 2012 to 2017. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Thomas Manning is a financial advisor at Cambridge Investment Research Advisors with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Cambridge since 2012. Outside of his advisory role, Manning is involved in land development as the treasurer and partial owner of a local land development company. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a range of portfolio management strategies and platform arrangements tailored to client needs.

Ernest Lacroix is a financial advisor at Charles Schwab with 17 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining Charles Schwab in 2023, he worked at Achieve Financial Solutions LLC, F2 Strategy, Starburst Labs/Wealthbox CRM, XML Financial Group, and FI Services Holdings, LLC. Charles Schwab serves a large client base primarily consisting of 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 offers a combination of non-discretionary advisory relationships and access to affiliated discretionary separately managed accounts, supported by a multi-asset model portfolio approach and integrated operational infrastructure.

Stephen Senteio is a CFP® with 14 years of industry experience, currently serving as a financial advisor at Edward Jones since 2012. He holds a Series 66 license and is based in Middletown, Rhode Island. Edward Jones is a full-service wealth management firm that serves over four million individual and institutional clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard and managing approximately $1.01 trillion in assets.

Nanette Blish is a financial advisor with Cetera, holding Series 63 and Series 65 designations and bringing 40 years of industry experience. Her prior roles include positions at Investors Capital Corp and Cetera Advisors LLC. She is currently based in North Kingstown, Rhode Island. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients nationwide. The firm offers portfolio management, financial planning, and access to third-party managers through a multi-manager platform, managing over $256 billion in assets with more than 10,000 advisors.

Richard Bassett is a financial advisor at Cetera with 25 years of industry experience. He holds the Series 63 and Series 65 licenses and has worked at Cetera Advisors LLC since 2016, with prior experience at Investors Capital Corp and J. Marshall Associates. He is also involved as an agent in fixed insurance products, including life, health, disability, annuities, and long-term care. Cetera Investment Advisers LLC is an SEC-registered firm serving individual clients, retirement plans, corporate and charitable accounts, and institutions through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services with access to multiple program structures and third-party managers.

Tracy Baker is a financial advisor with Cetera, holding a Series 66 designation and bringing 26 years of industry experience. Prior to joining Cetera, Tracy worked at Investors Capital and has been involved with J. Marshall & Associates since 1993. Outside of advisory work, Tracy serves as an agent in fixed insurance, including life, health, disability, annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services through a multi-manager platform that supports diverse investment strategies and program structures.

Valerie Dugan is a financial advisor with Morgan Stanley in West Palm Beach, FL, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management (MSWM) is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including customized financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and modeling techniques without providing individual security recommendations in standalone planning.

Eric Chaves is a financial advisor with LPL Financial, holding a Series 66 designation and five years of industry experience. He previously worked at BNY Mellon for ten years before joining LPL Financial in 2020. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services with access to a range of model portfolios, research, and alternative investment strategies.

Joseph Matoney is a financial advisor with Cetera Wealth Services, LLC, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has worked with several firms, including Avantax and Pacific Life, and manages Matoney Tax & Financial, which provides tax preparation and accounting services. In addition to his advisory role, Matoney is involved with Roberto & Hines LLC, a family-owned business that manages office property rental. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, supporting numerous advisors and managing over $256 billion in assets.

Colin Roberts III is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and access to extensive investment resources.

Ryan Gaumond is a financial advisor with Equitable Advisors in East Greenwich, RI, holding Series 65 and Series 63 licenses. He has two years of industry experience, including roles at Equitable Advisors and Bank Newport. Prior to his financial services career, he worked at Stano's Landscaping and Gaumond's Auto Body. Equitable Advisors serves a broad mix of individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates with a dual registration as an SEC-registered investment adviser and broker-dealer, utilizing LPL-sponsored programs and endorsed TAMPs to deliver advisory and brokerage solutions.

Neal Borges is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 65 licenses and possessing 33 years of industry experience. He has worked at Ameriprise since 1993 in various capacities. Outside of his advisory role, he is a consultant and member of Vertical Dimension, LLC. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning and tax-aware withdrawal strategies.

Mogahed Ibrahim is a Financial Solutions Advisor with Merrill Lynch Wealth Management. In his role, he focuses on understanding clients' priorities to help them develop strategies aimed at pursuing their short-, mid-, and long-term financial goals. He serves as a resource for various financial matters including general investing, retirement planning, and preparing for unexpected expenses. Additionally, he coordinates access to Bank of America specialists for banking, credit, home financing, and small business solutions. Ibrahim holds a Bachelor's Degree from the University of Illinois System and carries professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Fluent in English and Arabic, he engages with clients by taking the time to identify what matters most to them and providing ongoing advice as their needs evolve. Outside of his professional work, Ibrahim is involved with the community organization Feed My Starving Children.

Nathan Richard is a financial advisor at Ameriprise with 21 years of industry experience. He has worked with Ameriprise and its affiliated entities since 2006. Nathan is also a notary. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Nicholas Pavao is a financial advisor at Mass Mutual Investors Services with 10 years of industry experience. He holds the Series 66 designation and has worked at firms including Merrill and The Prudential Insurance Company of America. His background includes roles in financial services as well as a position at Trinity Academy for the Performing Arts. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative, goal-based planning supported by firm-approved analytical tools.