Steven Heslinga is a CFP® professional with 13 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2014 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Patricia Craddock is a financial advisor with Morgan Stanley in Providence, RI, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. Her career includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney, as well as Citigroup Global Markets. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

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.

Jonathan Carafotes is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. His prior roles include positions at Goldman Sachs and Bradley Foster and Sargent, as well as experience with Trinity College's Career and Life Design Center. 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 and profit-sharing plans, corporations, and charitable organizations.

Cody Anter is a financial advisor at Merrill with two years of industry experience and a Series 66 designation. Prior to joining Merrill, he worked at Bank of America, N.A., and has experience in educational roles at the University of Rhode Island and local schools. 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 range of individual and institutional clients.

Nicholas Galvani is a financial advisor at Merrill with nine years of industry experience. He holds a Series 66 designation and has been with Merrill since 2015. 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 managed by internal and third-party teams, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Elijah Dias De Oliveira is a financial advisor with LPL Enterprise holding a Series 66 designation and one year of industry experience. His background includes positions at PRUCO Securities, Dairy Queen, and political campaign work with Seth Magaziner for Congress. He also attended the University of Maine from 2020 to 2024. LPL Enterprise serves a wide range of clients including individuals, retirement plans, charitable organizations, and corporations. The firm offers financial planning, advisory services, and access to model portfolios, combining investment advice with brokerage and insurance products through an integrated platform.

Pedro Cruz is a financial advisor at Merrill with 25 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2009 and Bank of America, N.A. since 2007. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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.

Michele Cadigan is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. She has been with Merrill since 2009. 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 strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

David Sorensen is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and possessing 33 years of industry experience. He has been with Merrill since 2009 and is also affiliated with Bank of America, N.A. 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 a range of clients including individuals, high-net-worth investors, and institutional entities.

George Asfura Montano is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. His prior experience includes roles at Bank of America and Guembe F.C. Outside of finance, he works as a soccer coach for the New England Revolution’s Player Development Program, supervising coaches and training youth players. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Joseph Conaty Jr. is a financial advisor with Ameriprise in Barrington, RI, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of advising, he has involvement in real estate ownership unrelated to investment activities. Ameriprise serves clients primarily through its retirement-income planning service aimed at individuals near or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendations delivered in partnership with advisors.

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.

Jason Vasconcellos is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2012 and at Bank of America, N.A. since 2019. 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.

Julieanie Rodriguez is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Her prior work includes positions at Bank of America and various non-financial roles across education and service industries. 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 range of clients including individuals, high-net-worth investors, and charitable organizations.

Danny Kasht is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. He has worked at Merrill since 2015 and concurrently at Bank of America, N.A. since 2017. Outside of his advisory role, Kasht is the owner of Kasht International, LLC, an investment-related business focused on purchasing property for rental income. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Heather Kendra is a financial advisor at Ameriprise with 20 years of industry experience. She holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2005. Outside of her advisory role, she assists other advisors with plan production through FP Solutions RI. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to support retirement planning and leverages algorithmic tools alongside advisor input to tailor recommendations.

William Mahoney is a financial advisor with LPL Financial in Providence, RI, holding Series 63 and Series 65 credentials and possessing 23 years of industry experience. His work history includes roles at Rockland Trust Company and TIAA-CREF. He also serves as Senior Vice President in Rockland Trust Investment Management Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

Walter Nencka Jr. is a financial advisor with OSAIC in Warwick, RI, holding Series 63 and Series 65 credentials and with 16 years of industry experience. He previously worked at Jhfn Sii for eight years before joining OSAIC in 2018. He also engages in insurance sales as a sole proprietor. OSAIC Wealth, Inc. serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a large network of affiliated advisers. The firm employs asset-allocation tools and multiple platforms to manage portfolios that can include a range of securities and alternative investments, with both discretionary and non-discretionary account options.