Dwayne Demond is a CFP® and ChFC® with 29 years of experience in the financial services industry. He has worked at Mass Mutual Investors Services since 2017 and Mass Mutual Life Insurance Company since 2016, following a two-year tenure at MetLife Securities Inc. Outside of his advisory work, he is involved in managing an LLC for branding his financial services practice. MassMutual Investors Services, LLC serves individuals, business owners, trusts, estates, charitable organizations, and employers by providing financial planning, asset management, and educational seminars. The firm focuses on collaborative annual planning engagements that analyze client goals using firm-approved tools and offers various investment-related programs and services.

David Locke is a financial advisor at Morgan Stanley with 31 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. Outside of his advisory role, he is involved in real estate investment through ownership of LSB Properties. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and market modeling techniques.

Joanne Daly is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2016. Daly serves as a board member of the United Way of Rhode Island. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery and approved tools but does not include individual security recommendations as part of standalone planning.

Nichole Espanol Mateo is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. She has worked at Merrill since 2022 and was previously employed by Bank of America. Outside of her advisory role, she works as a delivery driver for Amazon Flex. 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 broad range of individual and institutional clients.

Bekka Sage is a financial advisor with Ameriprise in North Attleboro, MA, holding Series 63 and Series 66 licenses and seven years of industry experience. Her prior roles include positions at Merrill, CUNA Brokerage Services, and CUNA Mutual Group. Outside of financial services, she works as a group spinning instructor at The Edge Fitness. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service, which provides ongoing advice focused on reliable income sources and tax-aware withdrawal strategies.

John Berkery is a financial advisor with Morgan Stanley in Providence, RI, holding Series 63 and Series 66 credentials and bringing 16 years of industry experience. His career includes 18 years at Bank of America prior to joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC in 2022. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured discovery processes and firm-approved planning tools to support financial planning.

Jeffrey Allison is a financial advisor with MassMutual Investors Services in East Providence, RI. He holds the ChFC® designation and a Series 63 license, with 40 years of industry experience. His prior work includes roles at MetLife Securities Inc. and Massachusetts Mutual Life Insurance Company. 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 financial planning, asset management, and educational seminars, employing firm-approved tools to analyze client goals and deliver written recommendations.

Patrick Buffa is a financial advisor at Morgan Stanley with 53 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at several firms, including Citigroup Global Markets, RBC Capital Markets, NBC Securities, Independent Financial Partners, and IFP Securities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured planning tools and the expertise of its Financial Advisors and Estate Planning Strategies Group.

Ian Doran is a financial advisor at Edward Jones in Providence, RI, holding Series 66 and Series 63 licenses with three years of industry experience. Before joining Edward Jones in 2026, he worked at Pershing LLC and Insight Global. He has prior experience in various roles including involvement with theater groups such as The Wilbury Theatre Group. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad 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 branch offices.

Lorraine Sloper is a Senior Financial Advisor with Merrill Lynch Wealth Management, serving in the Sloper-Zawerucka group. With over 39 years of experience in the financial services industry, she specializes in retirement accumulation and income strategies, emphasizing risk management in challenging markets. Lorraine provides customized wealth management and planning services tailored to affluent families, focusing on goal-based holistic planning and disciplined investment processes. She assists clients in identifying life goals and implements strategies to achieve financial security and lifestyle objectives, drawing on a diverse range of investment options including Merrill Lynch model portfolios and third-party strategies. Lorraine earned a Bachelor's degree from the University of Massachusetts and attended Bentley College. She holds the Chartered Retirement Planning Counselor (CRPC) designation and is recognized as a Senior Portfolio Advisor qualified to manage discretionary investment strategies. Her background includes experience with high net worth Trust clients, offering comprehensive wealth preservation and liquidity management. Her personal interests include interior decorating, music, reading, singing, spending time with family, and swimming. Lorraine has been actively involved in community organizations such as the Animal Rescue League, Community Foundation, New Hope, Inc., and Rotary Club of Attleboro, contributing through former board memberships and other forms of engagement.

Michael Constantine is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds a Series 66 designation and has 20 years of industry experience. In addition to his advisory role, he serves as a paid football coach with KP Gridiron. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and employs analytical tools to support client goals while maintaining specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Steven Heslinga is a CFP® professional with 14 years of experience in the financial services industry. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm combines proprietary research and third-party analytics to offer diversified investment solutions across a large platform.

Patricia Craddock is a financial advisor with Morgan Stanley in Providence, RI, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Prior to that, she was with Citigroup Global Markets from 1996 to 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-approved tools and market analysis.

Stephen Rozzero is a Senior Financial Advisor at Merrill Lynch Wealth Management and leads the Rozzero Group. He has been with Merrill Lynch since 2007 and works with individuals and families to integrate investment planning and portfolio management. As a Portfolio Manager, he manages personalized or defined investment strategies on a discretionary basis, which may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. He holds the Chartered Retirement Planning Counselor™ (CRPC™) designation certified by the College for Financial Planning Institutes Corp., as well as the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) designations. Stephen attended the University of Rhode Island without degree conferral and completed his high school education at School One. Stephen lives and works in Providence, Rhode Island. He enjoys long distance running, frequently participating in charitable road race events, and also spends time cooking and with his family.

James Lynn is a Series 66-registered financial advisor with UBS Financial Services in Providence, RI, bringing 25 years of industry experience. He has been with UBS since 2006. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering fee-based financial planning, discretionary and non-discretionary portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a wide range of capital markets offerings.

Susan Levasseur is a financial advisor with Merrill based in Providence, RI, holding a Series 66 designation and possessing 21 years of industry experience. She has been with Merrill Lynch since 2000. 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 various institutional investors.

William Mahoney is a financial advisor with LPL Financial in Providence, RI, holding Series 63 and 65 credentials and bringing 24 years of industry experience. His prior roles include positions at Rockland Trust Company, TIAA, Ameriprise, and StrategicPoint Investment Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supporting advisors with various investment strategies and operational tools.

Alexander Kroot is a financial advisor at Fidelity with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked in various roles including at Fidelity Investments since 2021. His background includes positions outside finance at Crooker Construction, DICK's Sporting Goods, MaineHealth, Mason's Brewing Company, and as a student at the University of Maine, Orono. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios based on a broad investable universe.

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.

Elizabeth Desautel is a financial advisor at Morgan Stanley with seven years of industry experience. She previously worked at J.P. Morgan Securities LLC and J.P. Morgan Chase Bank, N.A., as well as TIAA. Outside of her advisory role, she serves on the finance committee of Amenity Aid, a nonprofit providing hygiene products to those in need. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services that include broad retail and institutional offerings.