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.

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.

John Poulton is a CFP® professional with 42 years of industry experience, currently serving with Ameriprise since 2014. He is a principal owner of Windmill Braiding Equipment, LLC, a manufacturing business in Warwick, RI, where he provides consulting and oversight. Ameriprise is a large institutional firm offering retirement-income planning services primarily for individuals with substantial investable assets, combining research and modeling with tax-efficiency analysis to generate tailored recommendation reports.

Christopher Leclerc is a Financial Consultant at Fidelity Investments, where he has been serving since 2023. He has held various roles within Fidelity Investments, including Senior Regional Investment Consultant from 2021 to 2023 and Investment Sales Associate from 2019 to 2021. In his role, Christopher focuses on building strong client relationships by understanding their financial goals and developing tailored financial plans. His approach emphasizes trust, communication, and clarity to help clients pursue financial security. Outside of his professional responsibilities, Christopher enjoys biking, football, golf, music, skiing, and spending time with friends and at social events.

Chad La Croix is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and over 30 years of industry experience. He has been with Merrill since 2009 and has concurrently worked at Bank of America, N.A. since 2008. 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 supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Cristopher Llopiz Osorio is a financial advisor at Charles Schwab with five years of industry experience. He holds a Series 66 designation and has worked at firms including Bank of America, Merrill, and Ameriprise. Outside of his advisory role, he serves as president of the Puerto Rican Professional Association of Rhode Island, a nonprofit organization. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated financial planning services. The firm offers a combination of non-discretionary and discretionary investment options supported by centralized operational and supervisory structures.

Keven Larkin is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has worked at Bank of America and Merrill since 2022 and previously held roles at Sound FX and in vocational technical education. 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.

Oliver Brady is a financial advisor at Ameriprise with 19 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2006. Outside of his advisory role, Brady serves on the Board of Directors for St Elizabeth Community and is the Fundraising Chair for the Rotary Club of Warwick. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports. The firm also offers a wide range of advisory, brokerage, and insurance solutions through its affiliated entities.

Daniel Rose is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and bringing 12 years of industry experience. His prior roles include positions at Santander Securities, Creative Wealth Solutions and Insurance Services, Eagle Strategies (NY Life), and New York Life Insurance Company. He is currently based in Bristol, Rhode Island. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to inform its recommendations.

Trey Whalley is a Series 66-licensed financial advisor at OSAIC with 25 years of industry experience. He has worked at OSAIC since 2018 and previously spent five years at Sii. Outside of his advisory role, Whalley serves as president of Works 4 U, a non-profit focused on providing employment opportunities and support services to the homeless, and is involved with several local community organizations, including serving as a director of the Fairhaven Improvement Association and a board member of the New Bedford Salvation Army Supervisory Board. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and investment advisory services. The firm employs proprietary asset-allocation tools and supports a wide range of investment solutions, including discretionary and non-discretionary accounts, with access to multiple third-party money managers and wrap programs.

Sercan Yilmaz is a financial advisor at Merrill with Series 66 and Series 63 licenses and three years of industry experience. His prior roles include positions at Fidelity Investments and Bank of America. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Christopher Small is a financial advisor at Merrill with 10 years of industry experience. He holds Series 63 and Series 66 designations. His prior roles include positions at Bank of America, N.A., Santander Securities, LLC, and Merrill Lynch, Pierce, Fenner & Smith, Incorporated. 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 and serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Paul Aubin is a financial advisor at LPL Financial with 29 years of industry experience. He has previously worked at Wells Fargo Advisors and Wells Fargo Clearing, accumulating over a decade in those roles before joining LPL Financial in 2022. He holds the Series 63 and Series 66 credentials. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutional clients, and charitable organizations through a national network of representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Neida Fortes is a Financial Consultant at Fidelity Investments, bringing over a decade of experience in financial planning and advising. She has held roles at Fidelity since 2022, progressing from Planning Consultant to her current position. Prior to this, Neida worked as a Financial Advisor at Edward Jones Investments and as a Select Banker at Santander Bank. Her professional focus centers on assisting high net worth families and individuals in developing personalized financial plans tailored to their unique goals. Neida prioritizes understanding each client's situation and emphasizes client education to help them establish achievable financial objectives. Neida holds a California Insurance License. Outside of her professional work, she enjoys family activities, fitness, movies, outdoor adventures, reading, and traveling.

Gregory Winslow is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. He has worked at Merrill since 2019 and previously held roles at Tower Construction Corp and Overhead Door Company of Providence. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Jeremy Hughes is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. He has held roles at Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors from 2013 to 2016. He holds Series 63 and Series 65 licenses and is based in Providence, RI. 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, and it includes a broader range of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

Robert Mcgreen is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has worked since 1999. He specializes in developing strategies and providing advice for high-net-worth individuals, their families, and their businesses to help them achieve both short- and long-term financial goals. As a qualified Portfolio Manager, Robert manages personalized or defined investment strategies, sometimes on a discretionary basis, which may include individual stocks and bonds, Merrill model portfolios, and third-party investment options. Robert has been in the financial services industry since 1987. He holds the Accredited Asset Management Specialist (AAMS) designation awarded by the College for Financial Planning Institutes Corp. Additionally, he carries the Personal Investment Advisor (PIA) designation. Robert earned a Bachelor's Degree from Stonehill College. His areas of client focus include college education planning, divorce transition planning, family wealth management strategies, legacy planning, retirement planning and income, portfolio management services, women and wealth, and tax minimization.

Julie Dansereau is a financial advisor at Merrill with 11 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2014. 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 developed by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Eric Frappier is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Wells Fargo since 2019. Prior to that, he was employed at Citizens Bank and its affiliated securities firms from 2016 to 2019. 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 and analytics.

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.