Maria Swierad is a financial advisor at Merrill with 19 years of industry experience, holding Series 63 and Series 66 licenses. She has been with Merrill since 2009 and has concurrent experience with Bank of America, N.A. since 2007. 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.

Robert Richardson is a financial advisor at Raymond James & Associates with 19 years of industry experience. He holds the Series 66 designation and has worked previously at Morgan Stanley Private Bank and Morgan Stanley. Outside of his advisory role, he is involved with Mach1 Soccer Club. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, and offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Marcel Gadbois is a financial advisor with LPL Financial in Somerset, Massachusetts, holding Series 63 and Series 65 licenses and having 39 years of industry experience. He has been with LPL Financial since 2006. Outside of his advisory role, he serves on the board of directors for St Michael's Federal Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Donna Johns is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. Her prior roles include positions at New York Life Insurance Company, Mass Mutual Life Insurance Company, and Barnum Financial Group. Outside of financial advising, she serves as an assistant pastor at Destiny Life Center International, Inc. Cambridge Investment Research Advisors serves a diverse client base, including individual investors and institutional clients such as pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a network of thousands of financial professionals.

Justin Legg is a financial advisor with Merrill in Riverside, RI, holding a Series 66 designation and 12 years of industry experience. He has worked at Bank of America and Merrill Lynch since 2014. Outside of his advisory role, Legg is a musician who plays bass and guitar professionally with various artists and bands. 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.

Ryan Commo is a Series 66-licensed financial advisor with Merrill, based in Riverside, RI, and has five years of industry experience. His prior work includes roles at Sherwin-Williams for ten years and Pro Tool & Supply for one year. He has been with Merrill since 2020 and also has experience with Bank of America, N.A. 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.

Thomas Harkins is a financial advisor with LPL Financial in Warwick, RI, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has worked at LPL Financial since 2006 and spent nine years at Ameriprise prior to that. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with technology tools while managing over $819 billion in discretionary assets.

Anne Swiader is a financial advisor at Morgan Stanley with 27 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds Series 65 and Series 63 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning, utilizing structured discovery conversations and firm-approved tools to develop client plans.

John Stamp is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry since 1987 and joined Merrill Lynch Wealth Management in 2001. John focuses on providing practical and objective advice to address each client's specific financial and wealth transfer goals. John holds the designation of Chartered Retirement Planning Counselor, awarded by the College for Financial Planning, and the Certified Plan Fiduciary Advisor (CPFA), awarded by the National Association of Plan Advisors. He is also a qualified Portfolio Manager and is experienced in building and managing personalized or defined investment strategies that may include individual stocks and bonds, Merrill Lynch Wealth Management model portfolios, and third-party investment strategies. These strategies can be managed on a discretionary basis through the firm's Investment Advisory Program. He has a Bachelor's Degree from the University of Rhode Island. Outside of his professional work, John enjoys biking, gardening, hiking, music, photography, and spending time with his family.

Bernard Manchester is a Wealth Management Advisor with Merrill Lynch Wealth Management and co-founder of The T.D.M. Group, a financial advisory practice serving executives, business owners, and affluent families. Since beginning his financial services career in 2007, he has developed expertise in retirement planning, portfolio management, executive compensation, stock and option planning, estate and insurance planning, debt structuring, and cash flow management. Bernard applies his experience to create customized financial strategies aimed at aligning clients’ resources with their personal financial goals. Bernard holds a Bachelor’s degree in Marketing with a concentration in Finance from Providence College. He is a CERTIFIED FINANCIAL PLANNER™ professional and a CERTIFIED PLAN FIDUCIARY ADVISOR™, with additional credentials including Personal Investment Advisor (PIA) and Retirement Accredited Financial Advisor (RAFA). Bernard advises business owners on corporate retirement plans and is proficient in succession planning, Medicare planning, social security strategy, life insurance analysis, and estate planning services. He is an active member of the Providence College Alumni community, serving as a Board Member for the Providence Alumni Club. Bernard grew up in Barrington, Rhode Island, and currently lives in Rumford, Rhode Island with his wife Elizabeth and their two daughters, Quinn and Blair.

Kelly Reey is a financial advisor at Merrill with 30 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at firms including Putnam Retail Management Limited Partnership and Manning & Napier Advisors, LLC. Reey was also principal at Reey Consulting prior to joining Merrill in 2019. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary strategies developed by internal and third-party managers.

Gregory Gudz is a financial advisor at Fidelity with one year of industry experience. He holds a Series 66 designation and previously worked at AT&T for over two decades. Outside of his advisory role, Gregory serves as the head coach for girls and boys volleyball at Woonsocket High School. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a variety of portfolios, including multi-manager and fund-of-funds structures.

Dennis Forest is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has been with Primerica Advisors since 1999 and with Primerica Financial Services since 1991. Outside of his advisory role, he is a self-employed author of a book about a 700+ mile walk completed in 2023. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients under a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, with a focus on percentage-based tiered wrap fees and ongoing oversight of potential conflicts.

Robin Dziuba is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and possessing 42 years of industry experience. She has worked at Merrill since 1990 and has been with Bank of America, N.A. since 2009. Outside of her advisory role, she serves as a committee member on the investment committee of St. Elizabeth Community, a charitable organization providing services for the elderly. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jeffrey Langlois is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been in the financial services industry since 2008 and joined Merrill Lynch Wealth Management in 2012. Jeff is part of the Carcieri & Bock Group and focuses on helping clients develop flexible, goal-based financial strategies. His expertise includes education planning, family wealth management strategies, personal retirement planning, portfolio management services, and tax minimization. Jeff holds a bachelor's degree in finance from the University of Rhode Island. He has earned several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Committed to providing comprehensive and transparent advice, Jeff works closely with families, individuals, and business owners to meet their financial needs and goals supported by real-time investment management. A native of Rhode Island, Jeff resides in Cranston with his wife, Beth-Ann, and their two sons. He is involved in the community through Special Olympics Rhode Island and enjoys spending time with his family. His personal interests include chess, cooking, football, golfing, ice hockey, reading, and traveling.

Deviet Gaul is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. His prior work includes roles at Bank of America, Blount Fine Foods, Bryant University, Rogers Corp, and The Kraft Group, where he was involved in inventory control and sales of alcoholic beverages as a beer hawker. 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, offering model-based and discretionary investment strategies for a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Robert Hovan is a financial advisor at Morgan Stanley with 46 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Morgan Stanley and its affiliates since 2009, having previously worked at Citigroup Global Markets for 10 years. Outside of his advisory work, he serves as a notary public. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutional clients, offering comprehensive financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in assets and delivers both direct client services and corporate financial planning solutions.

Md Hossain is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. He has worked at Bank of America, N.A. since 2026 and has prior experience at TowerBrook Capital Partners and in the restaurant industry. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Joseph Abbate is a financial advisor with RBC Capital Markets in Providence, RI, holding a Series 63 designation and bringing 48 years of industry experience. He previously worked for 25 years at Janney Montgomery Scott Inc. before joining RBC Capital Markets in 2020. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse range of clients including individual investors, institutions, pension plans, corporations, and charities. The firm offers multiple wrap fee advisory programs with tailored investment strategies and a combination of in-house and third-party portfolio management.

Nicole Czaja is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Her prior work includes roles in education at Elon University and positions outside the financial sector. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.