Stephen Palmisciano is a financial advisor at Merrill with Series 63 registration and 50 years of industry experience. He has worked at Merrill since 1978 and has also been affiliated with Bank of America since 2009. 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 individual, high-net-worth, institutional, and charitable clients.

Daniel Kennedy is a financial advisor at RBC Capital Markets with 41 years of industry experience. He holds Series 63 and Series 65 designations and has worked at RBC Capital Markets since 2008 and at City National Bank since 2018. Outside of his advisory role, he serves as Treasurer for the Norwood High School Athletic Hall of Fame. RBC Wealth Management, a division of RBC Capital Markets, serves individual, institutional, corporate, and charitable clients through a range of advisory programs offering discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services. The firm customizes investment strategies based on client risk profiles and leverages both in-house and third-party managers, providing various options including tax management and responsible investing.

Michael Capalbo is a financial advisor at LPL Enterprise with Series 66 credentials and two years of industry experience. Prior to joining LPL Enterprise, he held roles at The Prudential Insurance Company of America and Pruco Securities LLC. Outside of his advisory work, he serves as a lacrosse referee for youth and high school programs and has experience in chemical lawn care and as a background actor for film and television. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to various brokerage and insurance products through an integrated platform.

Linda Ferreira is a financial advisor with Edward Jones in Rehoboth, MA, holding a Series 66 designation and 18 years of industry experience. She has been with Edward Jones since 2008. Outside of her advisory role, she manages long-term rental properties in Rehoboth. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of discretionary and non-discretionary investment strategies. The firm supports over 23,700 advisors nationwide and offers affiliated mutual funds, trust services, and securities-based lending under a fiduciary standard.

Sarah Trek is a financial advisor with Merrill in Providence, RI, holding Series 63 and Series 66 licenses and with 18 years of industry experience. She has worked at Merrill since 2009 and has also been associated with Bank of America since 2006. Outside of her advisory role, she is employed by Instacart in a food shopping and delivery position. 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 plans, corporations, and charitable organizations.

Sue Anne Walsh is a financial advisor at Merrill with Series 63 and Series 65 licenses and four years of industry experience. She previously worked at Gladstone Wealth Partners and Edelman Financial Engines before joining Merrill. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Andrew Dittrich is a financial advisor at Raymond James Financial with a Series 66 designation and one year of industry experience. His prior roles include positions at Triten Real Estate Partners and EDENS, as well as academic and development-related work at Babson College and Diplacido Development Corporation. He is also involved with 1776 Financial, a supporting company based in Franklin, Massachusetts. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutions. The firm offers tailored, non-discretionary planning and consulting using various analytical tools and supports municipal and public finance advisory work through a unique affiliation with a municipal advisor.

Derek Botelho is a financial advisor with Morgan Stanley in Providence, RI, holding Series 63 and Series 65 licenses and having 13 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2013 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a financial planning process based on structured discovery and firm-approved tools.

Brendan Mccarthy is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. He has been with Merrill Lynch since 2003, providing financial advice and guidance to affluent families and individuals. Brendan focuses on retirement planning, executive compensation, education funding, wealth transfer, and wealth preservation as part of his wealth management practice. Brendan holds a Bachelor's Degree in Business Administration with a focus on Finance and Economics from Suffolk University. He also holds the CERTIFIED FINANCIAL PLANNER® certification awarded by the CFP® Board and the Personal Investment Advisor (PIA) designation. He is a member of the De Marco-Mccarthy-Florio Group, which has been recognized by Forbes as the #1 Wealth Management Team in Rhode Island for multiple years. Based in Medfield, Massachusetts, Brendan is active in his community, including coaching youth wrestling and lacrosse. He serves on the Finance Committee of the Ronald McDonald House in Providence. In his free time, he enjoys fishing, skiing, and spending time with his family in Harwich Port, MA, and Ludlow, VT.

Mark Cruise is a financial advisor with LPL Financial in Providence, RI, holding the ChFC® designation and Series 63 and 65 licenses. He has 41 years of industry experience and has been with LPL Financial since 2005. In addition to his advisory work, he has experience selling fixed life, long-term care, and disability insurance, and has occasionally served as a speaker for seminars. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, corporations, and nonprofits. The firm offers diverse advisory programs and financial planning services, utilizing research and models from LPL Research and third-party subadvisors.

Christopher Maynard is a financial advisor with LPL Financial based in Bridgewater, MA. He holds the Series 66 designation and has eight years of industry experience. His prior work includes roles at Merrimack Valley Credit Union, Citizens Securities, Bank of America, Merrill, and RFG Advisors. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement plan consulting, providing both discretionary and non-discretionary management supported by research and model portfolios.

Michael Porco is a Financial Advisor at Merrill Lynch Wealth Management. In this role, he provides financial guidance and wealth management services to clients. He applies his expertise to help clients make informed decisions about their financial goals and investment strategies. Further details about his experience, education, and personal interests are not provided.

Timothy Moses is a CFP®-designated financial advisor with Edward Jones, based in Walpole, MA, and has 19 years of industry experience. He has been with Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Maureen Mccarrick is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. She has been with Primerica Advisors since 1987 and Primerica Financial Services since 1991. Prior to her financial career, she worked at Carney Hospital for 45 years. Outside of advisory work, she has been involved in sales of home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm employs third-party asset managers and offers a tiered wrap-fee structure, focusing on curated investment models rather than institutional plan management.

Kristen Springer is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds a Series 66 designation and has worked previously at E3 Financial Planning, Commonwealth Financial, and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and serves clients both directly and through corporate financial planning arrangements.

Leslie Le Duc is a Series 66-licensed financial advisor with Cambridge Investment Research Advisors, bringing one year of industry experience. Prior to joining Cambridge, Leslie worked at Bain & Company for four years and Point 32 Health for six years. Leslie is also engaged as an independent contractor providing accounting, bookkeeping, and payroll services, in addition to acting as a life and health insurance agent. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a variety of portfolio management strategies across multiple platforms.

Nelson Hawkins Jr. is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 44 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, he serves as chairman of the Town of Barrington Harbor Commission and is an advisory board member of the Rhode Island Sailing Events Commission. 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 approach incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Denise Kowalewski is a financial advisor at UBS Financial Services with 28 years of industry experience. She has been with UBS since 2012 and holds Series 63 and Series 65 licenses. UBS Financial Services 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 and provides proprietary research and a broad range of capital markets solutions.

Frantz Bien Aime is a financial advisor at Merrill with Series 63 and Series 66 credentials and eight years of industry experience. He has been affiliated with Merrill since 1997. Outside of his advisory role, he serves as a board member for the Cambridge Community Foundation, a local philanthropic organization. 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 investment strategies for individuals, high-net-worth clients, and institutional investors.

Richard Carriere is a financial advisor with Morgan Stanley in Providence, RI, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. He is the owner of The Holy Spirit Center, LLC, a non-investment-related business, and serves on the advisory board at Bryant University, where he is involved in exploring the feasibility of an Insurance Risk Management major. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, providing tailored financial planning that incorporates structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and supports clients with a variety of investment and planning strategies across retail and institutional markets.