Tracy Cahill is a financial advisor with Equitable Advisors, holding a Series 66 designation and 11 years of industry experience. She has been with Equitable Advisors since 2014, previously affiliated with AXA Advisors, LLC during the same period. The firm serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. Equitable Advisors employs a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on clients’ goals, risk tolerance, and time horizons.

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 at LPL Financial with 12 years of industry experience and holds the Series 66 designation. He has been with LPL Financial since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by extensive research and model portfolios.

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 credentials and 16 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory work, he officiates high school basketball games in Rhode Island. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients through advisory and brokerage services. The firm offers financial planning, access to model portfolios, third-party asset management, and a range of brokerage and insurance products within an integrated platform.

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 at Ameriprise with Series 65, 63, and 66 credentials and nine years of industry experience. He has worked at Ameriprise and Ameriprise Financial Services since 2015. Outside of advising, he is involved in coaching and consulting through Dynamic Directions-D2, Inc., manages FP Solutions RI, LLC providing financial planning services to Ameriprise advisors, and is a self-publishing author. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning that includes written Recommendation Reports and ongoing guidance focused on income sources and tax-aware withdrawal strategies.

Leslie Pierini is a financial advisor with Edward Jones in Wakefield, RI, holding a Series 66 designation and 13 years of industry experience. She has been with Edward Jones since 2012. Outside of her advisory role, she is an owner of a timeshare group based in Atlanta, GA. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and 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.

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 having four years of industry experience. She has worked with Primerica Financial Services since 2000 and spent 14 years at Cumberland Public School. Outside of advising, she is involved in sales of home-related products and services through Primerica-affiliated companies. Primerica Advisors is a large institutional firm serving primarily individual investors and some corporate and charitable clients through a wrap-fee asset management program. The firm uses model-delivery strategies managed by unaffiliated asset managers and offers various portfolio approaches, including recently added cryptocurrency ETF allocations.

Michael Catarina is a financial advisor at Cetera with one year of industry experience. He holds the CFA® designation along with Series 66 and Series 63 licenses. Prior to joining Cetera, he worked at Parametric and Schwab Asset Management. Catarina is also involved with Pioneer Financial Group as a financial professional and sells fixed insurance products. Cetera Investment Advisers LLC supports a large network of independent advisors serving individual, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and retirement services delivered through a multi-manager platform with various program structures and custodial relationships.

William Richard is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has worked at Cetera and its affiliated firms since 2016 and spent nine years with Investors Capital Corporation prior to that. In addition to his advisory role, he is also an agent for fixed insurance products, including life, health, annuities, and long-term care. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base that includes individuals, employer-sponsored retirement plans, corporations, charities, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary program options.

Marenglen Elezi is a financial advisor at OSAIC with five years of industry experience. He holds the Series 66 designation and has previously worked at Royal Alliance Associates, Ameriprise, and State Street Corporation. Elezi also serves as Director of Investment Operations at Independence Financial Partners, where he is responsible for trades, models, research, and investment meetings. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs.

Mary Brimer is a financial advisor with Osaic Wealth, Inc., holding the ChFC® designation and Series 63 and 65 licenses, with 21 years of industry experience. Her prior roles include positions at SagePoint Financial, the ON Equity Sales Company, Guardian Life Insurance Company of America, and Ohio National Financial Services. She also operates under the business name Ginger Green Financial and serves as an insurance agent. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and third-party solutions to construct diversified portfolios tailored to client needs.

Michael Keating is a financial advisor at Morgan Stanley with 37 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and with 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 investment adviser and broker-dealer that provides advisory programs and financial planning services to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and analyses.

Jacob Carlisle is a financial advisor at LPL Enterprise with three years of industry experience. He holds Series 63 and Series 66 licenses and has prior experience at Northwestern Mutual Wealth Management Company and Newport Hospital. Outside of advisory work, he also engages in rideshare services with DoorDash. LPL Enterprise serves a diverse client base including individuals, retirement plans, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management programs, and a range of brokerage and insurance products, utilizing an integrated platform that combines adviser programs with active sales of financial products.

Michael Bontempo is a financial advisor at Equitable Advisors with three years of industry experience. He holds a Series 66 designation and has worked at Equitable Advisors since 2022. His prior work includes roles at Stonehill College and the Town of Falmouth Beach Department. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model and provides both advisory and brokerage/insurance channels to execute client recommendations.

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.