Andrew Coucci is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. Prior to joining Merrill, he held positions at several organizations including Barry Investment Advisors, Mattapoisett Boatyard, and the University of Rhode Island. 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 a range of clients including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations.

John Ayers III is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and its affiliates since 2009. Outside of his advisory role, he works as a commercial charter pilot. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutions. The firm provides a range of advisory programs, including tailored financial planning supported by structured discovery and planning tools, managing approximately $2.74 trillion in client assets.

Edward Marshall III is a CFP® professional with 22 years of experience in the financial services industry. He has been with Ameriprise since 2003, initially at Ameriprise Financial Services, Inc., and currently at Ameriprise. Ameriprise provides retirement-income planning services targeting individuals approaching or in retirement with substantial investable assets, offering written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver non-discretionary recommendations and emphasizes managed accounts within its advisory approach.

Joshua Woerdeman is a financial advisor with Ameriprise in Taunton, MA, holding a Series 66 designation and 10 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2014. Outside of his advisory role, he owns Avspresso Roasters, an online coffee sales and dropshipping business. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement who meet certain asset criteria, combining research and modeling with tax-efficient strategies. The firm also offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

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.

Francis Math Osagie is a financial advisor at Merrill with five years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America N.A. during his career. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for 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.

Jonathan Matrullo is a financial advisor with MassMutual Investors Services who holds Series 63 and Series 65 designations and has 18 years of industry experience. He has worked at MassMutual since 2017 and was previously with Metlife Securities from 2015 to 2017. Outside of his advisory role, he is involved in insurance brokerage specializing in individual and group life and health insurance, as well as life settlements. MassMutual 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 comprehensive financial planning, asset management, and educational seminars with an emphasis on collaborative, goal-focused planning.

William Hagerty is a Financial Advisor at Merrill Lynch Wealth Management. He brings over eight years of experience in the financial services industry to his role. Much of his career has been focused on serving as a Relationship Manager, working closely with high-net-worth clients to assist them in making informed financial decisions. William holds the Chartered Retirement Planning Counselor™ (CRPC™) designation and is also a Personal Investment Advisor (PIA). He earned his Bachelor's Degree from the University of Rhode Island. His approach centers on collaboration and developing strategies aligned with each client's individual goals, values, and priorities.

David Wright is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, following an 11-year tenure at Citigroup Global Markets. Wright serves on the Board of Governors and Finance Committee of the Country Club of New Bedford. Morgan Stanley Wealth Management provides a range of advisory services and financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using advanced modeling tools and offers diverse investment programs through its Financial Advisors and Estate Planning Strategies Group.

Christine Richards is a financial advisor with Merrill in Riverside, Rhode Island, holding Series 63 and Series 66 designations and nine years of industry experience. She has been with Merrill since 2016. Outside of her advisory role, she serves as a board member of the East Bay Summer Wind Ensemble, a nonprofit organization, where she assists with community outreach, music selection, and grant research. 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, pension plans, corporations, and charitable organizations.

Janice Jeffers is a financial advisor at Fidelity with 11 years of industry experience. She holds the Series 66 and Series 63 designations. Her career includes roles within various Fidelity entities since 2014. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, offering model portfolios constructed from mutual funds, ETFs, and ETPs.

Jonah Kallio is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. He has held various roles across different sectors since 2015, including positions at Walgreens and educational institutions. 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 supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Daniel Busch is a financial advisor at Merrill with 11 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Merrill since 2015. 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 diverse client base including individuals, high-net-worth clients, and institutional accounts.

Oluwaseun Shittu is a financial advisor with Merrill, holding a Series 66 credential and one year of industry experience. Prior to joining Merrill, Shittu worked at Bank of America and has held various roles including employee work at West Bay RI, a civic league focused on supporting individuals with Dissociative Identity Disorder through assisted living programs. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and charitable organizations.

Michael Yoffee is a financial advisor with MassMutual Investors Services, holding Series 65 and Series 63 licenses and 17 years of industry experience. He has worked with MassMutual Life Insurance Company and Principal Financial Services and serves as president of Professionals With Purpose, a charity-focused business networking group. MassMutual Investors Services 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 emphasizes collaborative, annual financial planning engagements using firm-approved analytical tools and offers specialized event-driven planning programs.

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.

Matthew Bruce is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 29 years of industry experience. He has worked at Cetera and Cetera Wealth Services since 2021 and owns Bruce Capital Management. Bruce serves on the board of Sino-American Bridge for Education and Health, a nonprofit facilitating exchange programs for American and Chinese educators and healthcare workers, and is involved with several other nonprofit organizations focused on education and mediation. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through discretionary and non-discretionary programs, utilizing affiliated and third-party managers within a multi-manager platform.

James Raiola is a ChFC® with 39 years of experience in the financial services industry. He has been with MML Investors Services, Inc. since 1996 and associated with MassMutual Life Insurance Company since 1987. Outside of his advisory role, he is a guitarist in the rock band Colby James Band. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that operates as a subsidiary of MassMutual. The firm provides financial planning and asset management services to individuals, business owners, trusts, and charitable organizations, using collaborative, annual planning engagements supported by firm-approved analytical tools.

Helene Kingsland serves as a Wealth Management Advisor with Merrill Lynch Wealth Management. In this role, she partners with clients to develop personalized financial strategies aimed at achieving their specific goals. Helene emphasizes a collaborative and goal-oriented approach, fostering strong relationships and helping clients make informed decisions through ongoing communication and guidance. Her professional expertise includes retirement planning, portfolio management, tax minimization, and college education planning. Helene works with a range of investment strategies, including individualized portfolios and third-party investment options, to support her clients’ financial objectives. She holds a Bachelor’s degree from the University of Southern California. Helene integrates her belief in the connection between physical fitness and financial well-being into her advisory process, encouraging clients to embrace a balanced lifestyle alongside their wealth management. Through this holistic approach, she aims to inspire and support clients on their path to financial success.

Michael Rozzero is a financial advisor at Charles Schwab with two years of industry experience. He holds a Series 66 designation and previously worked at Fidelity Investments and Charles Schwab Bank SSB. Rozzero serves as a board member of the David Louis Cunha Foundation, participating in decisions on charitable fund allocations. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment management with multi-asset model portfolios and integrates advisory, brokerage, custody, and cash-sweep services.