Justin Esposito is a financial advisor at Mass Mutual Investors Services with one year of industry experience. He holds the Series 66 designation and has prior work history at Bank New York Mellon and Bank of America/US Trust. Outside of his advisory role, he is also engaged in insurance brokerage focusing on long-term care. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars with a focus on collaborative, goal-based planning.

Daniel Humbert is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined the firm in 1991 and has accumulated over 33 years of experience in the financial services industry. Daniel serves as a Managing Director and is a CERTIFIED FINANCIAL PLANNER™ professional, in addition to holding designations as a CERTIFIED PLAN FIDUCIARY ADVISOR, Personal Investment Advisor, and Retirement Accredited Financial Advisor. He is also the founder of HTP & Associates, through which he has provided tailored wealth management services since 1992. Daniel works closely with affluent families, corporate executives, professionals, and business owners to develop customized financial plans that incorporate investment management, retirement and education outlook analysis, insurance strategies, liability management, and trust and estate planning. His team leverages the resources of a large, knowledgeable support staff, managing approximately $1 billion in client assets and liabilities as of early 2020. This approach combines the personalized attention of a boutique setting with the extensive capabilities of a global investment bank. He holds a bachelor's degree from Hofstra University and is affiliated with Merrill Lynch. Daniel is involved in his local community and pursues personal interests including football, golfing, hiking, skiing, swimming, and spending time with his family.

Eric Gunness is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He previously worked at Citigroup Global Markets for five years before joining LPL Financial in 2006. Outside of his advisory work, he is involved in creative pursuits including music and art, and teaches financial literacy through community organizations and churches. He also volunteers as a middle school track coach and supports local groups addressing violence reduction. 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 diverse advisory and brokerage services with access to model portfolios, third-party managers, and institutional platforms.

Kyle Setzer is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 65 credentials. He has three years of industry experience and has worked with MassMutual Life Insurance Company and Mass Mutual Investors Services since 2023. Outside of his advisory role, he is also licensed as an insurance broker focusing on life, disability, long-term care, fixed annuities, and health insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning, asset management, and educational services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers collaborative, annual financial planning engagements using firm-approved software and tools, with additional asset- and event-driven planning programs.

Tracy Cahill is a financial advisor with Equitable Advisors in Warwick, RI, holding a Series 66 designation and 12 years of industry experience. She has been with Equitable Advisors since 2014 and was previously associated with AXA Advisors, LLC for six years. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs that incorporate both proprietary and third-party solutions, with a focus on matching clients to appropriate investment models and discretionary managers.

Matthew Gough is a financial advisor with Edward Jones in Wakefield, RI, holding a Series 66 designation and nine years of industry experience. He has been with Edward Jones since 2017 and previously worked at Amica from 2015 to 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, managing approximately $1.01 trillion in assets through a nationwide network of more than 23,700 financial advisors.

Ryan Melucci is a financial advisor with LPL Financial in Warwick, RI, holding a Series 66 designation and 12 years of industry experience. He has been with LPL Financial since 2015, following a brief tenure at Merrill in the same year. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, combining advisory capabilities with extensive non-advisory financial services.

David Gioffreda is a financial advisor at Ameriprise with 32 years of industry experience. He has worked with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves on the Board of Directors for the Metro East Condominium Association. Ameriprise is an institutional firm that offers a retirement-income planning service targeting individuals approaching or in retirement who meet specific asset criteria. The firm provides a range of advisory, brokerage, and insurance solutions through affiliated companies and utilizes a combination of research, modeling, and tax-efficiency analysis to deliver tailored retirement income recommendations.

Jack Patten is a financial advisor with Mass Mutual Investors Services in Warwick, RI, holding Series 63 and Series 65 credentials and having seven years of industry experience. His prior experience includes roles at Berling & Associates LLC, Barnum Financial Group, Fidelity Investments, and Iona College. In addition to his advisory work, he is also active as an insurance agent offering individual and group life, health, disability, long-term care insurance, and fixed annuities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, structuring planning engagements as annual, collaborative relationships using firm-approved analytical tools.

Christopher Dandeneau is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and 16 years of industry experience. Prior to his current role, he worked at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of finance, he officiates high school basketball games in Rhode Island. LPL Enterprise, LLC provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, and institutions through a network of investment adviser representatives. Their investment approach is primarily model-driven, offering access to third-party asset managers and a range of financial planning and consulting services.

Kristin Matsko is the Director of Advanced Planning at Fidelity Investments, a role she has held since 2024. In this capacity, she provides advanced planning support to Fidelity advisors and their clients. Her professional experience centers on assisting advisors with complex financial planning strategies to better serve their clients. No additional information about her education, credentials, or personal interests has been provided.

Michael Kendra is a financial advisor with Ameriprise in Cranston, RI, holding Series 63, Series 65, and Series 66 licenses and possessing 9 years of industry experience. He has been with Ameriprise since 2015. Outside of his advisory role, he is involved in coaching and consulting through Dynamic Directions-D2, Inc., and is a self-publishing author working on multiple books. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. It offers a specialized Premier Retirement Income service focused on retirement income planning, integrating proprietary research, third-party data, and algorithmic tools to deliver tailored guidance within a defined investment universe.

Leslie Pierini is a financial advisor at Raymond James Financial with 13 years of industry experience. She has previously worked at Edward Jones for 14 years. Outside of her advisory role, she is an owner of a Hilton Owners group, a timeshare business. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individual and institutional clients. The firm uses tailored, non-discretionary planning supported by analytical tools and maintains specialized programs including municipal advisory services and SIMPLE IRA consulting.

Kathryn Welles is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has been with Merrill and its affiliate Bank of America, N.A. since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Charlotte Doherty is a financial advisor with Primerica Advisors in Cranston, RI, holding Series 65 and Series 63 licenses and five years of industry experience. She has been with Primerica Advisors since 2021 and has prior work experience at Cumberland Public School. Outside of advising, she is involved in sales of loan products and home security and automation services through affiliated Primerica companies. Primerica Advisors manages a wrap-fee asset management program serving primarily individual investors, including non-high-net-worth and high-net-worth clients, offering model-based investment strategies supported by third-party asset managers and custodians.

Michael Catarina is a financial professional at Cetera with a CFA® designation and Series 63 and 66 licenses. He has one year of industry experience and has previously worked at Parametric, Schwab Asset Management, Fidelity Investments, and Merrill. Catarina is also involved with Pioneer Financial Group, where he provides financial services, and holds a role as an insurance agent for fixed insurance products. Cetera Investment Advisers LLC is a national independent advisory firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party managers.

William Richard is a financial advisor at Cetera with 29 years of industry experience. His prior roles include positions at Investors Capital Corp., Waddell & Reed, and Hornor, Townsend & Kent, LLC. He holds Series 63 and Series 65 licenses and also works as an agent for fixed insurance products including life, health, annuities, and long-term care. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party strategies.

Victor Moffitt is a financial advisor at LPL Financial with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Next Financial Group Inc for 18 years. Outside of his advisory role, he is an author through King Victor Productions. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and advisory services, including access to model portfolios, third-party asset management, and institutional platforms.

Marenglen Elezi is a financial advisor at Osaic with five years of industry experience. He holds a Series 66 designation and has worked previously at Royal Alliance Associates, Ameriprise, and State Street Corporation. Outside of his advisory role, he is involved in investment operations as Director of Investment Operations at Independence Financial Partners. Osaic Wealth serves a diverse client base including retail and institutional investors, offering a multi-advisor platform with brokerage and advisory services. The firm’s investment process focuses on model-based asset allocation and portfolio optimization, providing a wide range of financial planning and investment programs.

Mary Brimer is a financial advisor at Osaic Wealth with 21 years of industry experience. She holds the ChFC® designation as well as Series 63 and 65 licenses. Her prior experience includes positions at SagePoint Financial, The ON Equity Sales Company, Guardian Life Insurance, Ohio National Financial Services, and Mass Mutual Investors Services. Outside of her advisory role, she operates Ginger Green Financial, a sole proprietorship offering investment-related services. Osaic Wealth serves a wide range of retail and institutional clients through a multi-advisor platform that provides brokerage and advisory services, including comprehensive financial planning and managed portfolio options. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization, supported by various tools and strategies.