Daniel Humbert is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined the firm in 1991 and has accumulated over 33 years of experience in the financial services industry. Daniel serves as a Managing Director and is a CERTIFIED FINANCIAL PLANNER™ professional, in addition to holding designations as a CERTIFIED PLAN FIDUCIARY ADVISOR, Personal Investment Advisor, and Retirement Accredited Financial Advisor. He is also the founder of HTP & Associates, through which he has provided tailored wealth management services since 1992. Daniel works closely with affluent families, corporate executives, professionals, and business owners to develop customized financial plans that incorporate investment management, retirement and education outlook analysis, insurance strategies, liability management, and trust and estate planning. His team leverages the resources of a large, knowledgeable support staff, managing approximately $1 billion in client assets and liabilities as of early 2020. This approach combines the personalized attention of a boutique setting with the extensive capabilities of a global investment bank. He holds a bachelor's degree from Hofstra University and is affiliated with Merrill Lynch. Daniel is involved in his local community and pursues personal interests including football, golfing, hiking, skiing, swimming, and spending time with his family.

Eric Gunness is a financial advisor with LPL Financial in Warren, Rhode Island, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with LPL Financial since 2006. Outside of his advisory role, he is involved in creative work including music, art, and literature, and also teaches financial literacy through churches, artist groups, and community organizations. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers diverse advisory programs, financial planning, and retirement consulting with both discretionary and non-discretionary management options supported by LPL Research and third-party resources.

Elizabeth Welshman is a Series 66 licensed financial advisor with Merrill in Riverside, Rhode Island, where she has worked since 2016. She has 15 years of industry experience. Outside of her advisory role, she serves as a board member and officer for St. Martin's Episcopal Church and has been nominated for the Senior Warden position. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Kyle Setzer is a financial advisor with Mass Mutual Investors Services in Warwick, RI, holding Series 65 and Series 63 credentials with three years of industry experience. His career includes roles at MassMutual Life Insurance Co and other positions outside finance, such as at Classic Pizza & Grill. He is also licensed as an insurance broker offering life, disability, long-term care, fixed annuities, and health insurance. MassMutual Investors Services, LLC is a broker‑dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, utilizing detailed client data and firm-approved analytical tools to deliver written recommendations.

Cody Burnett is a financial advisor at UBS Financial Services in Providence, RI, with 11 years of industry experience. He has been with UBS since 2014 and holds a Series 66 designation. Burnett serves on the board of directors for Wildlife Rehabilitators of Rhode Island, a nonprofit focused on rehabilitating injured or sick local wildlife. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances.

Jonathan Buttero is a financial advisor with Merrill, holding Series 63 and Series 66 designations and bringing 14 years of industry experience. He has worked at Merrill since 2014 and has also been with 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies developed by internal teams and third-party managers.

John Ayers III is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and its affiliates since 2009. Outside of his advisory role, he works as a commercial charter pilot. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutions. The firm provides a range of advisory programs, including tailored financial planning supported by structured discovery and planning tools, managing approximately $2.74 trillion in client assets.

Amy Roberts is a financial advisor with Merrill in Providence, RI, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. Her career includes roles at Columbia Management Group and Riversource Investments, among others. She has worked at Merrill and Bank of America since 2018. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Joshua Woerdeman is a financial advisor with Ameriprise in Taunton, MA, holding a Series 66 designation and 10 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2014. Outside of his advisory role, he owns Avspresso Roasters, an online coffee sales and dropshipping business. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement who meet certain asset criteria, combining research and modeling with tax-efficient strategies. The firm also offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Tracy Cahill is a financial advisor with Equitable Advisors, holding a Series 66 designation and 11 years of industry experience. She has been with Equitable Advisors since 2014, previously affiliated with AXA Advisors, LLC during the same period. The firm serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. Equitable Advisors employs a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on clients’ goals, risk tolerance, and time horizons.

Matthew Gough is a financial advisor with Edward Jones in Wakefield, RI, holding a Series 66 designation and nine years of industry experience. He has been with Edward Jones since 2017 and previously worked at Amica from 2015 to 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, managing approximately $1.01 trillion in assets through a nationwide network of more than 23,700 financial advisors.

Francis Math Osagie is a financial advisor at Merrill with five years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America N.A. during his career. Merrill, together 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jonathan Matrullo is a financial advisor with MassMutual Investors Services who holds Series 63 and Series 65 designations and has 18 years of industry experience. He has worked at MassMutual since 2017 and was previously with Metlife Securities from 2015 to 2017. Outside of his advisory role, he is involved in insurance brokerage specializing in individual and group life and health insurance, as well as life settlements. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides comprehensive financial planning, asset management, and educational seminars with an emphasis on collaborative, goal-focused planning.

William Hagerty serves as a Financial Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Chartered Retirement Planning Counselor (CRPC).

Ryan Melucci is a financial advisor at LPL Financial with 12 years of industry experience and holds the Series 66 designation. He has been with LPL Financial since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by extensive research and model portfolios.

David Gioffreda is a financial advisor at Ameriprise with 32 years of industry experience. He has worked with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves on the Board of Directors for the Metro East Condominium Association. Ameriprise is an institutional firm that offers a retirement-income planning service targeting individuals approaching or in retirement who meet specific asset criteria. The firm provides a range of advisory, brokerage, and insurance solutions through affiliated companies and utilizes a combination of research, modeling, and tax-efficiency analysis to deliver tailored retirement income recommendations.

David Wright is a financial advisor with Morgan Stanley in Providence, RI, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and previously with Citigroup Global Markets. Outside of advising, he serves on the Board of Governors and Finance Committee of the Country Club of New Bedford. Morgan Stanley Wealth Management serves individual and institutional clients by offering a broad range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides financial planning both directly and through employer-based agreements.

Christine Richards is a financial advisor with Merrill in Riverside, RI, holding Series 63 and Series 66 certifications and having nine years of industry experience. She has worked at Merrill since 2016 and previously spent three years at Rhode Island College. Richards serves as a board member of the East Bay Summer Wind Ensemble, a nonprofit organization, where she assists with community outreach, music selection, and grant research. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Robert Martufi Jr. is a financial advisor at Primerica Advisors with 33 years of industry experience. He holds Series 65 and Series 63 licenses and has been associated with Primerica Advisors and Primerica Financial Services since 1993, concurrently running Martufi and Associates Inc. since 1999. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm offers advisory services through a large network of advisors using model-based investment strategies managed by third-party asset managers, supported by custodial and trade execution services from Pershing and BNY Mellon Advisors.

Jonah Kallio is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. He has held various roles across different sectors since 2015, including positions at Walgreens and educational institutions. 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, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.