Nicole Lazarek is a financial advisor with Merrill in Riverside, Rhode Island, holding Series 63 and Series 66 licenses and having 21 years of industry experience. She has been with Merrill since 2009. Outside of her advisory role, she volunteers as an officer with the American Legion, a nonprofit organization focused on supporting active and retired veterans. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, corporations, and charitable organizations.

Ernest Lacroix is a financial advisor at Charles Schwab with 17 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining Charles Schwab in 2023, he worked at Achieve Financial Solutions LLC, F2 Strategy, Starburst Labs/Wealthbox CRM, XML Financial Group, and FI Services Holdings, LLC. Charles Schwab serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to affiliated discretionary separately managed accounts, supported by a multi-asset model portfolio approach and integrated operational infrastructure.

Samuel Raheb is a financial advisor with J.P. Morgan Securities in Cranston, Rhode Island. He holds Series 63 and Series 65 registrations and has 12 years of experience in the industry, including prior roles at Citizens Securities, Inc. and Santander Investment Services. Outside of his advisory work, Raheb owns and manages rental properties. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, using a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework.

Stephen Senteio is a CFP® with 14 years of industry experience, currently serving as a financial advisor at Edward Jones since 2012. He holds a Series 66 license and is based in Middletown, Rhode Island. Edward Jones is a full-service wealth management firm that serves over four million individual and institutional clients. The firm 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 and managing approximately $1.01 trillion in assets.

Robert Entwistle Jr. is a financial advisor with LPL Financial in Somerset, MA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. His prior roles include positions at Rockland Trust, Cantella & Co., J.P. Morgan Securities, and Sentinel Pension Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, with advice delivered through a large network of investment adviser representatives.

John Cote is a financial advisor at Merrill with 28 years of industry experience. He has held positions at Merrill since 2009 and previously worked at Bank of America, N.A. since 2008. He holds Series 63 and Series 66 licenses. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Nanette Blish is a financial advisor at Cetera with 40 years of industry experience. She holds the Series 63 and Series 65 designations and has worked previously at UBS Financial Services and Investors Capital Corp. She has been with Cetera and its affiliates since 2012. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of investment management and financial planning services through a multi-manager platform combining affiliated and third-party strategies.

Brandon Manchester is a financial advisor at Merrill with five years of industry experience and holds a Series 66 designation. His prior work includes roles at Bank of America, Alight Solutions, Empower Retirement, and GWFS Equities. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for a range of clients including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers.

Richard Bassett is a financial advisor with Cetera, holding Series 63 and Series 65 designations and bringing 25 years of industry experience. He has worked at Cetera and its affiliates since 2016 and operates his own financial services business, J. Marshall Associates, where he provides insurance and securities sales. Bassett is also an insurance agent specializing in life, health, disability, annuities, and long-term care products. Cetera Investment Advisers LLC serves individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services and operates a multi-manager platform that allows advisors to implement model portfolios, select third-party managers, or create bespoke strategies.

William Harper is a financial advisor with Merrill in Riverside, Rhode Island, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He has worked at both Merrill and Bank of America, N.A. since 2012 and 2015 respectively. Outside of his advisory role, he is the sole owner of a rental property business. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Lisa Grenon is a financial advisor with Merrill in Riverside, RI, holding Series 63 and Series 65 designations and bringing 29 years of industry experience. She has worked at Merrill since 2009 and has been affiliated with Bank of America since 2008. 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, and institutional investors.

Kwame Mensah is a financial advisor at Merrill with 11 years of industry experience and holds Series 63 and Series 66 licenses. He has been with Merrill since 2006. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with a range of model-based and discretionary investment strategies.

Tracy Baker is a financial advisor with Cetera, holding a Series 66 designation and over 26 years of industry experience. She has been with Cetera and its affiliates since 2016 and also operates J. Marshall Associates, where she manages office and client services. Baker is an insurance agent specializing in life, health, disability, annuities, and long-term care products. Cetera Investment Advisers LLC serves individuals, retirement plans, corporate, charitable, and institutional clients through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Andrew Smith is a financial advisor at Merrill with nine years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Merrill, he worked at Santander Securities LLC and Santander Bank N.A. Merrill, along 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 a range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations.

Darryl Warner is a financial advisor at Merrill with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill since 2016 and Bank of America, N.A. since 2021. 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 using model-based and discretionary investment strategies developed by internal and third-party managers.

Kyle Short is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior work includes roles at Bank of America, Freedom Mortgage, Nations Lending, Home Point Financial Corp, and Citizens Bank. 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, and institutions.

Ryan Jarzombek is a financial advisor at Merrill with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Merrill since 2013. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Nicholas Rodriguez is a financial advisor at Merrill with 12 years at the firm and 8 years of industry experience. He holds the Series 66 designation. Outside of his advisory role, he is the owner of an LLC involved in construction. 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 a range of model-based and discretionary strategies for various client types including individuals, high-net-worth clients, and institutions.

Matthew Schmitz is a financial advisor at Edward Jones with one year of industry experience. Prior to joining Edward Jones, he worked at The International Potters Company and Adidas. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and supports a large network of financial advisors and branch offices nationwide.

Andrea Tremblay is a financial advisor at Edward Jones with two years of industry experience. She holds the Series 66 designation and has been with Edward Jones in various capacities since 2014. Outside of her advisory role, she has assisted with clerical work related to used auto part resale, managing databases and marketing for a small business. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a broad range of advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large national network of financial advisors and branch offices.