Heather Kendra is a financial advisor at Ameriprise with 20 years of industry experience. She holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2005. Outside of her advisory role, she assists other advisors with plan production through FP Solutions RI. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to support retirement planning and leverages algorithmic tools alongside advisor input to tailor recommendations.

Brenden Bowers is a financial advisor with Ameriprise in Bristol, RI, holding Series 65 and Series 66 designations and bringing 21 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement who meet specific asset criteria, providing written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis with algorithmic automation to generate tailored retirement recommendations, emphasizing assets held in Ameriprise Managed Accounts.

Walter Nencka Jr. is a financial advisor with OSAIC in Warwick, RI, holding Series 63 and Series 65 credentials and with 16 years of industry experience. He previously worked at Jhfn Sii for eight years before joining OSAIC in 2018. He also engages in insurance sales as a sole proprietor. OSAIC Wealth, Inc. serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a large network of affiliated advisers. The firm employs asset-allocation tools and multiple platforms to manage portfolios that can include a range of securities and alternative investments, with both discretionary and non-discretionary account options.

Allen Ponichtera is a financial advisor at Merrill with a Series 66 credential and under one year of industry experience. Prior to joining Merrill, he held various positions including roles at Coty Fragrances and the University of Massachusetts Dartmouth. 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, pension plans, corporations, and charitable organizations.

Karin Dovey is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 30 years of financial experience to her role. She holds the CERTIFIED FINANCIAL PLANNER® designation and is also a Personal Investment Advisor (PIA). Karin’s expertise lies in helping clients navigate major life transitions such as retirement, career changes, loss of loved ones, and legacy planning. She works with individuals to develop strategies that support their financial goals and long-term wealth building. Karin began her career in the insurance and banking industries before joining Merrill Lynch in 2006. She has also taught personal finance courses and is committed to ongoing financial education for her clients. Karin holds a bachelor’s degree from North Central College, a master’s degree from the University of Phoenix, and a high school diploma from Glenbard North High School. In addition to her professional work, Karin is involved with the Northern Illinois Food Bank and has contributed to community programs such as teaching sewing to Girl Scout troops and supporting the Dress-a-Child initiative. Her personal interests include cooking, gardening, knitting, photography, reading, sewing, and traveling.

Nikolaos Manousos is a financial advisor with Mass Mutual Investors Services in East Providence, RI, holding a Series 66 designation and one year of industry experience. His prior experience includes roles at MassMutual Life Insurance Co and Allegretti & Associates. Outside of finance, he coaches youth hockey goalies for the Providence Capitals Youth Hockey Organization. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative planning engagements supported by firm-approved software and educational seminars.

Caleb Neves is a financial advisor with Mass Mutual Investors Services in East Providence, RI, holding Series 63 and Series 65 credentials and having 20 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously at MetLife Securities, Inc. and MassMutual Life Insurance Company. Neves serves as an organizer for Stepping Up, a nonprofit charity managed by his wife, contributing on a volunteer basis. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management programs, and educational seminars, with a focus on collaborative, annual planning engagements.

Patrick Devlin is a Series 66-licensed advisor at Merrill with two years of industry experience. Prior to joining Merrill in 2024, he worked for nine years at Carrabba's Italian Grill. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Daniel Mullaney is a financial advisor at Merrill with a Series 66 credential and three years of industry experience. He has previously worked at Bank of America, N.A. and Phh Mortgage/Ocwen, where he spent 19 years. Outside of his advisory role, he co-owns a residential rental property with his spouse. 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.

Timothy Ely is a financial advisor at Morgan Stanley with 34 years of industry experience. He has worked at Morgan Stanley since 2009, including time at Morgan Stanley Private Bank, and previously held roles at Citigroup Global Markets and Merrill. Outside of his advisory work, he is co-owner of Newport Flag Company, a custom flag-making business. Morgan Stanley Wealth Management provides advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and firm-approved tools, serving clients through a broad range of retail and institutional services.

John Rangel Marte is a financial advisor at Merrill with Series 63 and Series 66 licenses and less than one year of industry experience. His prior work includes roles at FabNewport and Hammetts Hotel, where he is currently also involved. 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.

Derek Steinbrenner is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves as chair of the East Greenwich Municipal Land Trust and volunteers on a local government board in East Greenwich, Rhode Island. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Stephen Randolph is a Certified Financial Planner (CFP®) with 11 years of industry experience. He has been with Edward Jones since 2014, working in their Bristol, RI office. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, access to separately managed accounts, and affiliated mutual funds.

Isashei Ortiz is a financial advisor at Merrill with 18 years of experience at the firm and nine years in the industry. She holds a Series 66 designation and is based in Riverside, Rhode Island. 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.

Hillary Feeney is a Series 66-licensed financial advisor with Merrill, based in Middletown, Rhode Island. She has six years of industry experience, including roles at Capital Good Fund and Bank of America. 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.

Alexander Hosey is a financial advisor at Edward Jones in Cranston, RI, with 11 years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Edward Jones in 2020, Hosey worked with NYLIFE Securities LLC and New York Life Insurance Company. He is involved in his family’s catering business, Pauly Pentas Italian Deli, volunteering there during the holidays. 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 maintains a large network of advisors and branches, providing both discretionary and non-discretionary investment solutions under a fiduciary standard.

Libardo De La Torre is a financial advisor at Thrivent Investment Management with 27 years of industry experience. He has previously worked at Mass Mutual Investors Services, MSI Financial Services, and Metlife Securities Inc. De La Torre holds the Series 63, Series 65, and Series 66 designations. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based analyses across a range of financial topics. The firm’s approach separates planning from managed-account services and conducts periodic reviews of recommendations.

Brad Bombard is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior work includes roles at Bank of America, N.A., Bristol County Savings Bank, and Sager Electronics. 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 clients including individuals, pension plans, and charitable organizations.

Victoria Albanese is a financial advisor with Merrill, holding a Series 66 designation and seven years of industry experience. Her work history includes roles at Pioneer Financial Group, Minnesota Life Insurance, and Securian Financial Services Inc. Outside of finance, she spent three years working at Sassafrass Hair Salon. 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 plans, corporations, and charitable organizations.

Patrick O'Rourke is a financial advisor with Mass Mutual Investors Services and holds Series 63 and 65 licenses. He has six years of industry experience, including roles at MML Investors Services and Mass Mutual Life Insurance Company since 2020, and prior positions with Equitable Advisors and AXA Advisors. Outside of his advisory work, he has experience as an independent insurance agent selling life, fixed annuities, disability, long-term care, and health insurance. Mass Mutual 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, annual planning engagements with clients.