Charles Kelly is a financial advisor with Cambridge Investment Research Advisors, holding a ChFC® designation along with Series 63 and Series 65 licenses. He has 40 years of industry experience, including prior roles at Cetera Advisors LLC and Investors Capital Corporation. Kelly is based in Barrington, RI. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm provides multiple investment platforms and both discretionary and non-discretionary management, featuring proprietary and third-party model strategies.

Nicholas Fraser is a CFP® with 12 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors, LLC from 2013 to 2016. Outside of his advisory role, he serves on the finance committee of Warehouse 242, a church organization in Charlotte, NC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Christopher Collins is a Series 66-licensed financial advisor with Merrill, based in Riverside, Rhode Island. He has been with Merrill since 2013 and has nine years of industry experience, including a current role at Bank of America. Outside of his advisory work, Collins is a registered player with USA Volleyball and participates in competitive tournaments nationwide. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, and institutional investors.

Arthur Colello is a financial advisor with Cetera who holds the ChFC® designation and has 39 years of industry experience. He has worked with firms including Pioneer Financial Group, where he has served as president since 1999, and Securian Financial Services. Outside of advising, he is a majority shareholder of Elite Brokerage Services Inc., an insurance services firm, and serves on the advisory board of Metroeast Office Condominium I Inc. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management options, including model portfolios, third-party managers, and bespoke strategies, supporting both discretionary and non-discretionary account management.

Ethan Narducci is a financial advisor with Equitable Advisors, holding a Series 66 designation and one year of industry experience. His prior work includes roles at UPS, The Home Depot, Dunkin, and educational institutions. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charities, and institutions. The firm provides financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating primarily through LPL-sponsored platforms and endorsed TAMPs.

Rick Nichols is a financial advisor with Merrill located in Riverside, RI, holding Series 63 and Series 66 designations and bringing 24 years of industry experience. His career includes roles at Bank of America, N.A. and Fidelity Investments. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, pension plans, and charitable organizations. The firm integrates with Bank of America’s broader platform, providing access to a wide range of products and services beyond typical investment management.

Jennifer Paci is a financial advisor with Merrill in Riverside, RI, holding Series 63 and Series 65 licenses and 13 years of industry experience. Her prior roles include positions at Citizens Securities, Inc. and Citizens Bank. She has been with Merrill since 2022. Merrill 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, pension plans, charitable organizations, and corporate fiduciaries.

Patrick Reilly is a Financial Advisor with the Carcieri & Bock Group at Merrill Lynch Wealth Management. In his role, he collaborates with individuals, families, and business owners to build and preserve wealth through thoughtful, goal-based planning. Patrick specializes in education planning, employee benefits planning, family wealth management strategies, liquidity management, personal retirement planning, philanthropic planning, and managing new wealth. He aims to simplify financial decisions and provide proactive guidance so clients can move forward with confidence. He holds a Bachelor's Degree from the University of Rhode Island and has earned the Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA) designations. Outside of work, Patrick enjoys football, golfing, ice hockey, reading, skiing, spending time with his family, and watching movies.

Terrance Jones is a Series 66-registered advisor at Merrill with one year of industry experience. His prior work includes roles at The District & Blue Room, Nova Farms, Hope Artist Village, and Bravo restaurant. Merrill 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 to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Anthony Ruzzo is a Wealth Management Advisor and General Partner in The Ruzzo Palmieri Group within Merrill Lynch Wealth Management. He is responsible for all wealth management planning activities for the group and works with clients to develop written wealth plans aimed at meeting their long-term financial goals. Anthony has been employed by Merrill Lynch Wealth Management since July 2000. He holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP), Chartered Retirement Planning Counselor™ (CRPC), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Anthony was educated at Marquette University and Wagner College, where he earned a BS degree. He also studied General Medicine in Europe and graduated Cum Laude with an M.D. degree in 1997 from the University of Pecs. Anthony’s client focus areas include college education planning, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management services, special needs planning strategies, tax minimization, and retirement income. Outside of his professional role, he is active in his local community and enjoys baseball, football, golfing, ice hockey, reading, traveling, and spending time with his family.

Claire Moscrop is a financial advisor with LPL Financial, holding a Series 66 designation and five years of industry experience. Her prior roles include positions at Securian Financial Services, Pioneer Financial Group, Minnesota Life Insurance Company, and Island Investments. Outside of finance, she operated Claire Moscrop Nutrition for seven years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base, including individuals, retirement plans, and institutions. The firm offers a wide range of advisory programs and financial planning services supported by model portfolios, research, and multiple management options.

Nelson Ribeiro is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 66 designations. He has 22 years of industry experience, including roles at Mass Mutual Life Insurance Company and METLIFE Securities Inc. Outside of his advisory work, he is a partner in Neri Financial, an LLC used for managing expenses. Mass Mutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning relationships and provides educational seminars along with several investment program options.

Alexandria Hutchinson is a financial advisor at Morgan Stanley with 15 years of industry experience. She holds the Series 63 and Series 66 licenses and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and resources.

William Conlan is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America, Citizens Bank, and various positions related to Bryant University and other organizations. Merrill 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 to individuals, high-net-worth clients, and institutional fiduciaries.

William Howe is a financial advisor with LPL Financial, holding a Series 66 designation and 23 years of industry experience. He previously worked at Securities America Advisors and Invest Financial Corp. from 2004 to 2023. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of advisory programs, financial planning services, and utilizes model portfolios and research from both internal and third-party sources.

Paul Heslinga is a CFP® with seven years of industry experience, currently affiliated with Wells Fargo Clearing since 2018. Prior to that, he worked at Ellington Management Group from 2014 to 2018. He serves on the finance committees of several nonprofit organizations, including We Can and the Bass River Rod and Gun Club, where he also holds the role of treasurer. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory options. The firm’s IPS-driven process incorporates modern portfolio theory and includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Robert Kerr Jr. is a financial advisor with Merrill, holding a Series 66 designation and 26 years of industry experience. He has been with Merrill since 2009. Merrill 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 to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

William Wall Jr. is a CFP® professional with 39 years of industry experience, currently serving at Wells Fargo Advisors since 2016. He owns a hunting property called Rock Wall Farms LLC in East Providence, RI. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services using proprietary research and tools, with optional implementation through brokerage or advisory programs.

Jordy Martinez is a financial advisor at Merrill with a Series 66 credential and less than one year of industry experience. Prior to joining Merrill, he held positions at several firms including Global Montello Group and Year Up. Outside of financial advising, he owns an automotive window tinting business in Providence, Rhode Island. Merrill provides managed account services primarily to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies designed for individuals, high-net-worth clients, pension plans, and charitable organizations.

Cedric Smith is a Financial Advisor with Merrill Lynch Wealth Management. He collaborates with clients to understand their priorities and develop strategies aimed at achieving their financial goals. His approach involves listening carefully to clients to help them identify what they value most and working directly with them to design strategies tailored to their aspirations. Smith holds a Master of Business Administration from New York University Stern School of Business and a Bachelor's degree from the University of Michigan. He has earned the Personal Investment Advisor (PIA) designation. He provides clients access to Merrill's global investing resources as well as Bank of America's credit, lending, and banking services. In addition to his professional practice, Cedric Smith is involved with Moses Brown. He is proficient in English and French.