Steven Tiernan is a financial advisor at Merrill with three years of industry experience. He holds a Series 66 designation and serves as a Staff Sergeant in the Rhode Island Air National Guard, where he manages radio and satellite communications. His prior work includes positions at Bank of America and Pioneer Financial Group. 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, pension plans, corporations, and charitable organizations.

Salvatore Mondello is a financial advisor at Cetera with 14 years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at Citizens Securities, Inc., Avantax firms, and Coia & Lepore, LTD. He also operates Mondello Financial Services, providing investment guidance, retirement, estate, and college planning. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers diversified portfolio management and financial planning services through a large nationwide network of advisors and multiple program platforms.

James Fonseca is a financial advisor with LPL Financial in Somerset, MA, holding Series 63 and Series 65 licenses and having eight years of industry experience. He has been with LPL Financial since 2016. Outside of his advisory work, Fonseca is involved in youth sports as a soccer coach and also works as a sports official. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a network of investment adviser representatives. The firm provides a range of advisory services including financial planning, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party research, and technology-driven solutions.

Nathaniel Wojcik is a financial advisor with Merrill holding a Series 66 license and beginning his advisory career in 2026. His prior experience includes roles at Bank of America, Equitable Advisors, and the Richline Group, a Berkshire Hathaway company. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, and charitable organizations.

Thomas Case is a financial advisor with Mass Mutual Investors Services in East Providence, RI, holding a Series 66 license and five years of industry experience. He previously worked at Merrill Lynch and served in the Massachusetts Air National Guard. Outside of advising, he is also an insurance agent specializing in life, disability, long-term care, and fixed annuities. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive financial planning, asset management, and educational seminars, employing firm-approved software and structured planning processes to deliver recommendations tailored to client goals.

Robert D'auteuil is a financial advisor at Merrill with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 2013. His prior experience includes a decade at Bank of America, N.A., and five years with Organo Gold. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Erivan Carrascoza 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 Year Up, The Home Depot, and several educational institutions. 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 accounts.

Sandy Jackson is a financial advisor with Merrill, holding a Series 66 credential and 20 years of industry experience. She has been with Merrill since 2009. Outside of her advisory role, Jackson is a certified yoga instructor and also serves as a managing member of an LLC that holds business ventures unrelated to financial services. 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 and profit-sharing plans, corporations, and charitable organizations.

Nicholas Richards is a financial advisor at Merrill with six years of industry experience. He holds the Series 66 designation and previously worked at First Acura for five years. Richards is based in Riverside, Rhode Island. 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 supported by internal and third-party management teams, serving individuals, high-net-worth clients, and various institutional investors.