Ricardo Molina is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. His prior roles include positions at Santander Securities LLC and Santander Investments. Outside of his advisory work, he is a landlord of rental property in Pawtucket, Rhode Island. J.P. Morgan Securities LLC offers institutional consulting services to corporations, foundations, and defined contribution plan sponsors, providing asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Daniel Horner is a financial advisor at Fidelity with 11 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Fidelity Investments since 2013, including a role at Fidelity Personal and Workplace Advisors since 2018. Fidelity’s Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, providing services such as discretionary portfolio management and fund advisory.

Clara Silva is a financial advisor at Merrill with Series 66 and Series 63 credentials and one year of industry experience. Her previous work includes positions at Bank of America and Fidelity Investments. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions. The firm supports a range of client types with various asset allocation approaches and trading implementations.

John Alessandro Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses, and has 33 years of industry experience. He has been with LPL Financial since 1997. Outside of his advisory role, he serves as a notary public in the state of Rhode Island. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Stephen Davis is a financial advisor with LPL Financial in Mansfield, MA, holding a Series 63 license and 33 years of industry experience. He has been associated with Linsco/Private Ledger Corp. since 1992. Outside of advisory services, he is involved in insurance sales through his agency, Robert W. Davis Insurance Agency, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management along with model portfolios and advanced research.

Eric Shepherd is a financial advisor at Fidelity with one year of industry experience. He holds a Series 66 designation and has prior experience at Fidelity Personal Trust Company and Shepherd Tax Services, as well as legal experience at his own law office. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and delivers model portfolios to intermediary platforms.

Daniel Lawrence is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, he held various roles across multiple industries, including retail, food service, and education. He has also been involved with entrepreneurial ventures such as Sole Desire and Run Newport. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

John Donna is a financial advisor with Merrill in Riverside, RI, holding Series 63 and Series 66 designations and bringing 28 years of industry experience. He has been with Merrill since 2009. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Benjamin Remsbecker is a financial advisor at Merrill with a Series 66 credential and three years of industry experience. He has worked at Merrill since 2021 and Bank of America since 2024. Outside of his advisory career, he is involved in golf retail as a club fitter and salesman for Golfer's Warehouse. 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, offering model-based and discretionary strategies for a range of client types including individuals, high-net-worth clients, and pension plans.

Lawrence Disarro is a financial advisor with Merrill in Riverside, Rhode Island, holding a Series 66 designation and 24 years of industry experience. He has been with Merrill since 2012 and has also worked with Bank of America, N.A. since 2009. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

William Vincente is a financial advisor at Merrill with 26 years of industry experience. He has been with Merrill since 2009 and holds Series 63 and Series 65 designations. Merrill, along 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Geofrey Fridman is a financial advisor at Merrill with 26 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Merrill since 2009, concurrently working with Bank of America, N.A. since 2019. Outside of his advisory role, he is involved in a family-owned for-profit business. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Mark Bowen is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 licenses and has 34 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and has also worked with Massachusetts Mutual Life Insurance Company since 2016. Outside of his advisory role, he is involved in outside insurance sales, focusing on property/casualty, fixed annuities, and group life renewals. 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 offers comprehensive financial planning, asset management, and educational seminars, using firm-approved tools to analyze client goals and provide written recommendations.

David Brawley is a financial advisor at Merrill with 16 years of industry experience and holds a Series 66 designation. He has been with Merrill since 2014. Outside of his advisory work, he serves as the Grand Knight for the Knights of Columbus Council #330, a charitable organization in North Attleboro, Massachusetts. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies tailored for individuals, high-net-worth clients, and various institutional investors.

Patrick Hogan Jr. is a Series 66-credentialed financial advisor at Edward Jones with three years of industry experience. Before joining Edward Jones in 2023, he worked at ENE Systems Inc. from 2015 to 2023. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a network of more than 23,700 advisors, offering a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products.

Frank Moy Jr. is a financial advisor with Primerica Advisors in Walpole, MA, holding Series 63 and Series 65 licenses with 38 years of industry experience. He has been with Primerica Advisors since 1987 and Primerica Financial Services since 1991. Outside of advisory work, he serves as a trustee for multiple family trusts. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-based strategies and discretionary separately managed accounts primarily for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure rather than fixed fees.

Valdir Pina serves as Senior Resident Director and Wealth Management Advisor with Merrill Lynch. He began his financial services career in 2000 and has developed expertise in family wealth management strategies, liquidity management, managing new wealth, and personal retirement planning. Valdir has worked in multiple locations including Indian Wells, California, and Salt Lake City, Utah, supporting individuals, families, and business owners in making informed financial decisions and optimizing their financial resources. Valdir holds a Bachelor of Science degree in Finance from Brigham Young University. He is a Certified Financial Planner (CFP®) certificant, a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), a Chartered Retirement Planning Counselor (CRPC), a Personal Investment Advisor (PIA), and a Retirement Benefits Consultant (RBC). He is associated with the Bradley Center and participates in church and civic causes in his community. Valdir and his wife, Melanie, reside in South Jordan, Utah, with their six children.

Justin Cahir is a financial advisor with Merrill in Riverside, Rhode Island, holding a Series 66 credential and 20 years of industry experience. He has been with Merrill since 2009. Outside of his advisory role, he serves as a board member for West Bay Christian Academy and works as a consultant for CCs Sports Cards LLC, engaging in sports card collectible content on social media. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, and charitable organizations.

Connor White is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. His work history includes roles at Bank of America and Kohl’s, as well as eight years as an educator at Tall Pines Academy. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Nicholas Mastrostefano is a financial advisor at Merrill with 11 years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2009 and Bank of America since 2016. Outside of his advisory role, he owns a sole proprietorship that produces original designs and provides consulting services for small businesses. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.