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.

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.

Robert Martufi Jr. is a financial advisor with Primerica Advisors in Johnston, RI, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1993 and has operated Martufi and Associates Inc. since 1999. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, both non-high-net-worth and high-net-worth, as well as corporate and charitable clients. The firm uses model-delivery strategies developed by unaffiliated asset managers and operates on a large scale with nearly 3,700 advisors and approximately $15.5 billion in assets under management.

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.

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.

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.

Christopher Dandeneau is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and 16 years of industry experience. Prior to his current role, he worked at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of finance, he officiates high school basketball games in Rhode Island. LPL Enterprise, LLC provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, and institutions through a network of investment adviser representatives. Their investment approach is primarily model-driven, offering access to third-party asset managers and a range of financial planning and consulting services.

Michael Yoffee is a financial advisor with MassMutual Investors Services who holds Series 63 and Series 65 licenses and has 17 years of industry experience. His prior work includes roles at Principal Financial Services and MassMutual Life Insurance Company. Outside of his advisory work, he 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 serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars with an emphasis on collaborative, goal-based planning.

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.

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 Kendra is a financial advisor at Ameriprise with nine years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. In addition to his advisory role, he is involved in coaching and consulting through Dynamic Directions-D2, Inc., and is a self-published author working on a second book. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning focused on dependable income sources and tax-aware withdrawal strategies. Their approach integrates proprietary investment research and third-party data, with a centralized team providing ongoing retirement income advice.

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.

Trevor Mason is a financial advisor at Merrill with 11 years of industry experience. He has been with Merrill since 2014 and holds a Series 66 designation. Merrill serves a wide range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm emphasizes managed account and manager-selection capabilities, supported by integration with Bank of America affiliates and a variety of tax-efficient investment strategies.

Ryan Kelley is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. His prior work includes roles at Bank of America and Southern New Hampshire University. 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, and institutional investors.

Donald Carcieri is a Wealth Management Advisor and partner with the Carcieri and Bock Group at Merrill Lynch Wealth Management. Since joining Merrill in 2014, he has worked with high net worth clients, families, and small business owners to develop and execute comprehensive financial strategies. Carcieri and his team utilize industry research and Merrill's proprietary wealth management technology to deliver tailored goals-based planning and tax-efficient investment strategies. His areas of focus include portfolio construction, income and retirement planning, generational wealth transfers, and relationship management. Carcieri began his career in the financial services industry in 2010. He earned his CERTIFIED FINANCIAL PLANNER® designation in 2016 and became a Certified Plan Fiduciary Advisor professional in 2018. He also holds credentials as a Personal Investment Advisor and Retirement Accredited Financial Advisor. Carcieri graduated from Amherst College with a bachelor's degree, where he was captain of the varsity basketball team and participated in a national championship in 2007. In addition to his professional responsibilities, Carcieri serves on the Diocese of Providence Investment Committee. He lives in Coventry, Rhode Island, with his wife and two sons. Outside of work, he enjoys golf, cooking, learning about wine, playing chess, and coaching.

David Avigdor is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Year Up, Resolve Visionary, Dunkin (Cafua Management Company), and CCRI. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to fiduciary clients of Bank of America through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Alan Slavin is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and 36 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets. The firm offers advisory, brokerage, and insurance solutions through affiliated companies and uses a combination of research, modeling, and tax-efficiency analysis to deliver tailored, written recommendation reports.