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.

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.

Michael Keating is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has worked with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney LLC since 2009. Keating serves on the Finance Committee of the Ida Lewis Yacht Club in Newport, Rhode Island. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions, including customized financial planning supported by firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Jacob Carlisle is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 credentials and three years of industry experience. Prior to joining LPL Enterprise, he worked at Northwestern Mutual in wealth management, life insurance, and investment management roles. Outside of financial services, he is involved with DoorDash as a rideshare driver. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm employs a model-driven investment approach using portfolios developed by LPL’s Research Department and third-party strategists, and it offers financial planning, consulting, and access to third-party asset managers.

Michael Bontempo is a financial advisor at Equitable Advisors with three years of industry experience. He holds the Series 66 designation and has worked at Equitable Advisors since 2022. Prior to that, he was employed at Stonehill College and the Town of Falmouth Beach Department. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by providing financial planning, retirement plan consulting, and various asset-management programs. The firm’s advisory services utilize a range of third-party program sponsors and discretionary managers, covering mutual funds, ETFs, separately managed accounts, and selected alternative investments.

Gina Riccardi is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2016. Outside of her advisory role, she is involved as an employee in Riccardi's Restaurant, a restaurant and bar in Fairhaven, Massachusetts. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers tailored financial planning and a variety of advisory programs supported by structured planning tools and broad retail and institutional investment options.

Kristen Dalton is a financial advisor with Morgan Stanley in Newport, RI, holding a Series 66 designation and 25 years of industry experience. She has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutions, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques to help clients develop financial plans.

Abidemi Payne is a financial advisor with LPL Enterprise holding a Series 66 designation and eight years of industry experience. Their prior work includes roles at Merrill, Bank of America, and The Prudential Insurance Company of America. Outside of advising, Payne owns an event management and decoration business and is involved in health insurance sales. LPL Enterprise provides investment advisory and brokerage services to a diverse client base that includes individuals, high-net-worth investors, retirement plans, and corporate and charitable entities. The firm emphasizes a model-driven investment approach and offers access to third-party asset managers, financial planning, and affiliated insurance and trust services.

John Schultz is a financial advisor with Ameriprise in North Kingstown, RI, holding a Series 66 designation. He joined Ameriprise in 2024 and has prior work experience in the restaurant and education sectors. Before becoming an advisor, he worked at Greenwich Bay Oyster Bar and Gregg's Restaurants & Taverns, as well as the North Kingstown School District. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement-income planning advice focused on reliable income sources and tax-aware withdrawal strategies.

Zachary Rucki is a financial advisor at Merrill with a Series 66 credential and four years of industry experience. His work history includes roles at Bank of America and Eastconn, among others. 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 a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Todd Camp is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 65 licenses. He has three years of industry experience, including prior roles at LPL Enterprise and The Prudential Insurance Company of America. Before entering the financial industry, he worked in the hospitality and retail sectors. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual planning engagements using firm-approved analytical tools and offers specialized programs such as divorce planning and employer-sponsored planning.

Benjamin Fernandez is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 13 years of industry experience. He has been with LPL Financial since 2013. Fernandez also serves as a notary public. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with operational and research tools.

Peter Gobis III is a financial advisor at Edward Jones in East Greenwich, RI, holding Series 63 and Series 66 licenses with eight years of industry experience. Prior to Edward Jones, he worked at Everflow Supplies, Inc., Accudynamics, and operated Gobis Consulting Associates, LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of financial advisors and branches.