Paul Teixeira is a financial advisor at OSAIC with 32 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Lincoln Financial Securities Corporation and Osaic FS, Inc. Outside of advising, he offers fixed and indexed annuities, life insurance, and long-term care products through Teixeira Financial Group. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations. The firm offers brokerage and advisory services with a model-based investment approach emphasizing asset allocation, portfolio optimization, and multiple program options delivered via a multi-advisor platform.

Caryn Hodges is a financial advisor with Morgan Stanley in Providence, RI, holding a Series 66 designation and 14 years of industry experience. She previously worked at Merrill from 2000 to 2022 before joining Morgan Stanley Smith Barney LLC in 2022. Outside of her advisory role, Hodges is involved as a bartender with the Knights of Columbus #4190 in Mattapoisett, Massachusetts. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers advisory programs and tailored financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process includes structured discovery conversations and firm-approved tools but generally does not provide individual security recommendations in standalone plans.

Matthew Marcantonio is a financial advisor with Morgan Stanley in Providence, RI, holding a Series 66 designation and seven years of industry experience. He has been with Morgan Stanley since 2017 and previously worked at Nichols College and in web development. Outside of advisory work, he is involved in property management as the owner of rental properties. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and analyses. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.

Christopher Abbate is a Wealth Management Advisor with Merrill Lynch Wealth Management and a partner of The Calbi & Abbate Wealth Management Group. He specializes in developing personalized, goals-based financial strategies that address clients' investment and retirement planning, succession planning, liability management, and estate planning needs. His approach is focused on helping clients establish and optimize wealth across generations while managing areas such as divorce transition planning, executive compensation, family wealth management, and retirement income. Christopher holds several professional designations, including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a Bachelor's Degree from the University of Rhode Island. Outside of his professional work, Christopher spends time volunteering in his community and enjoys adventure sports, biking, boating, fishing, music, skiing, surfing, traveling, and spending time with his family.

Scott Royley is a financial advisor with Wells Fargo Clearing in Providence, RI, holding Series 63 and Series 66 licenses and 24 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at A. G. Edwards & Sons, Inc. from 2007 to 2008. Royley serves as a trustee for a family trust. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

William Locke is a financial advisor at Morgan Stanley with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including BNY Mellon Wealth Management and The Leaders Group, Inc. Locke serves as a 2nd Lieutenant Engineer Officer in the Massachusetts Army National Guard. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in assets. The firm’s planning process uses structured discovery conversations and firm-approved tools to model outcomes without recommending individual securities as part of standalone plans.

James Cruise is a Series 66-licensed financial advisor with LPL Financial, based in Providence, RI, with 11 years of industry experience. He has been affiliated with LPL Financial and its DBA, The Virtus Group, since 2014. In addition to his advisory role, he has involvement in fixed annuities, life insurance, long-term care insurance, and health and disability insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supported by machine-learning tools and a large network of advisors.

Daniel McCabe is a financial advisor with Cetera Wealth Services, LLC, holding a Series 66 designation and 21 years of industry experience. His background includes roles with Avantax Advisory Services and Avantax Insurance Agency, as well as longstanding service with the City of Taunton. Outside of advising, he operates a general legal practice and serves as a part-time instructor for the Massachusetts Municipal Police Training Committee. Cetera Investment Advisers LLC is an SEC-registered firm offering portfolio management, financial planning, and retirement services to individual, corporate, charitable, and institutional clients nationwide. The firm operates a multi-manager platform featuring both affiliated and third-party managers, providing a range of discretionary and non-discretionary program options.

Mark Cruise is a financial advisor with LPL Financial in Providence, RI, holding a Series 66 credential and five years of industry experience. He previously worked at Willis Towers Watson for seven years before joining LPL Financial in 2021. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory services including financial planning, model portfolios, and institutional platforms, supported by a large network of investment adviser representatives.

Michael Verde is a financial advisor with Edward Jones, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with Edward Jones since 2006. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Ryan Balon is a financial advisor at UBS Financial Services with 20 years of industry experience. He holds a Series 66 designation and has been with UBS since 2015. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, offering a broad range of capital markets products and research to tailor investment strategies to clients’ goals.

Roger Lapierre is a financial advisor with Ameriprise in Glendale, Rhode Island, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise and its affiliate since 2011. Lapierre serves on the Board of Directors for the Industrial Foundation of Burrillville and is Vice President of the North Shore Drive Association, Inc. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets, providing detailed recommendation reports on income sources, Social Security, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools to deliver tailored, annual retirement income advice while offering a broad range of advisory, brokerage, and insurance solutions.

Michael Richard is a financial advisor with Morgan Stanley in Providence, RI, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His prior roles include positions at Citigroup Global Markets and Legg Mason Wood Walker. He has been with Morgan Stanley since 2009, including across its Private Bank and Smith Barney divisions. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, offering financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Ronald Capraro Jr. is a financial advisor at Morgan Stanley with 27 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 prior roles at Citigroup Global Markets Inc. and UBS Financial Services. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and the Estate Planning Strategies Group.

James Castro is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 24 years of industry experience. He has worked with Mass Mutual Investors Services since 2017 and previously with MetLife Securities Inc. He is also involved in tax preparation through Castro, Thresher & Oliveira, PC, a firm he has been associated with since 1996. Additionally, Castro has experience in life, health, fixed annuities, and long-term care insurance sales. Mass Mutual Investors Services is a subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm employs firm-approved tools for goal analysis and offers collaborative, annual financial planning engagements.

Adriane Medeiros is a financial advisor with Morgan Stanley in Providence, RI, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and previously worked at Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs to individuals and institutional clients, including tailored financial planning using structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Mark Condon is a financial advisor at MassMutual Investors Services with eight years of industry experience. He has been with MassMutual Investors Services and MassMutual Life Insurance Company since 2017. In addition to his advisory role, Condon is involved in several entrepreneurial ventures, including founding a company that sells dog training devices and running a podcast focused on promoting local businesses in Massachusetts. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides a range of investment and planning solutions, including specialized programs for divorce planning, estate settlement, and employer-sponsored plans.

Lucas Mariotti is a Financial Consultant at Fidelity Investments, a role he has held since 2025. He has been with Fidelity Investments since 2022, progressing through positions including Investment Consultant, Workplace Planning Consultant, and Workplace Planning Associate. In his current role, Lucas partners with clients to provide clarity and peace of mind in their personal and financial lives by developing customized financial plans. Lucas's approach to financial planning involves clear communication without jargon and a thorough understanding of the client's priorities. He works collaboratively with clients to build plans tailored to their unique needs. His professional experience encompasses a range of consulting roles at Fidelity Investments, reflecting his expertise in financial and workplace planning. Outside of his professional work, Lucas has interests in baseball, beach activities, football, gardening, playing instruments, and music.

David Davtian is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. His career includes roles at Bank of America and Merrill, as well as prior experience in the retail and food service sectors. 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.

Michael Kelleher is a CFP®-designated financial advisor with J.P. Morgan Securities in Mansfield, MA, bringing four years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank in 2026, he worked for five years at Fidelity Investments. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary asset allocation advisory program supported by centralized due diligence and a combination of quantitative and qualitative research.