Daniel Lawrence is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, he held various roles across multiple industries, including retail, food service, and education. He has also been involved with entrepreneurial ventures such as Sole Desire and Run Newport. 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, and institutional investors.

Patrick Ciummo is a financial advisor with Charles Schwab in Glendale, RI, holding a Series 66 designation and 14 years of industry experience. His prior experience includes roles at Bank of America and Merrill. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and operational infrastructure.

Brian Kallenberg is a financial advisor at Fidelity with 18 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Citizens Bank, Citizens Securities Inc., and CCO Investment Services. Outside of his advisory role, he serves as Vice President of Football for Abington Youth Football and Cheer, where he handles equipment, registration, and compliance matters. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and systematic portfolio construction across mutual funds, ETFs, and ETPs. The firm is noted for its use of algorithmic methods and formal advisory roles to multiple registered investment companies.

Joseph Robichaud is an Investment Solutions Representative III at Fidelity Investments. In his role, he partners with clients to co-create comprehensive financial plans that align with their financial goals. Joseph emphasizes building strong, trust-based relationships to empower clients in making financial decisions they are comfortable and confident in. Joseph has progressive experience at Fidelity Investments, having advanced through several roles since 2022, including Investment Solutions Representative I and II, as well as Customer Relationship Advocate. His approach focuses on understanding each client's specific situation, goals, and concerns to ensure clients feel heard and understood in every appointment. He holds an Arkansas Insurance License. Outside of his professional work, Joseph enjoys family activities and a variety of outdoor pursuits, including fishing, fitness, golf, kayaking, and snowboarding.

Frederick Rickey III is a financial advisor at Raymond James & Associates with 41 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Morgan Stanley and Morgan Stanley Private Bank. He serves as a finance committee member for Immaculate Conception Parish in Cranston, Rhode Island, where he participates in quarterly financial reviews. Raymond James & Associates 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, offering financial planning and non-discretionary investment consulting supported by a variety of portfolio management approaches and extensive affiliated research.

Matthew Thibault is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning services that utilize structured discovery processes and firm-approved tools to model financial outcomes.

Marcin Krolikowski is a CFA® charterholder and Series 66 licensee with 10 years of industry experience. He has been with OSAIC since 2018 and previously worked at Sii. In addition to his advisory role, Krolikowski is an associate professor at Providence College and serves as vice president and secretary of the CFA Society Providence. OSAIC serves a diverse client base including individual and institutional investors, offering a range of brokerage and advisory services with a multi-platform approach that incorporates asset allocation tools, risk assessment, and access to third-party managers.

Mark Sully is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 33 years of industry experience. His prior roles include positions at First Allied Advisory Services and First Allied Securities. He serves as a trustee for The Sully Family Trust. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients through a multi-manager platform offering a range of portfolio management and financial planning services.

John Donna is a financial advisor with Merrill in Riverside, RI, holding Series 63 and Series 66 designations and bringing 28 years of industry experience. He has been with Merrill since 2009. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to 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.

Benjamin Remsbecker is a financial advisor at Merrill with a Series 66 credential and three years of industry experience. He has worked at Merrill since 2021 and Bank of America since 2024. Outside of his advisory career, he is involved in golf retail as a club fitter and salesman for Golfer's Warehouse. 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 strategies for a range of client types including individuals, high-net-worth clients, and pension plans.

Lawrence Disarro is a financial advisor with Merrill in Riverside, Rhode Island, holding a Series 66 designation and 24 years of industry experience. He has been with Merrill since 2012 and has also worked with Bank of America, N.A. since 2009. 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.

William Vincente is a financial advisor at Merrill with 26 years of industry experience. He has been with Merrill since 2009 and holds Series 63 and Series 65 designations. 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 and profit-sharing plans, corporations, and charitable organizations.

Mark Quillen is a financial advisor at LPL Enterprise with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Prudential Insurance Company of America and Pruco Securities, LLC for over three decades. His activities include providing non-variable insurance products such as fixed life and disability insurance. LPL Enterprise serves a diverse client base including individuals, retirement plans, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management through an integrated platform that combines advisory programs with brokerage and insurance products.

Mark Iafrate is a Series 66 licensed financial advisor with Fidelity, based in Smithfield, Rhode Island, and has one year of industry experience. He previously worked at Farmers Insurance for 12 years before joining Fidelity Investments. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios and model-based investment solutions.

Peter Kalpakgian is a Vice President and Financial Consultant at Fidelity Investments, where he has worked since 2010 in various roles. He began his career with Fidelity as a 401k Representative, progressing through positions including Retirement Brokerage Services, Financial Representative, and Investment Consultant before assuming his current role in 2017. In his role, Peter assists clients with building customized financial plans. He emphasizes a disciplined approach that starts by understanding his clients and their families, focusing on their concerns, challenges, and goals to develop tailored strategies. Peter's extensive experience at Fidelity Investments spans over a decade, covering areas such as retirement services, investment consulting, and financial planning.

Eric Brown is a financial advisor at Fidelity with six years of industry experience and holds the Series 66 designation. His prior experience includes roles at AXA Advisors, LLC, Nike, and a position at Anthony J's Bistro. He has been with Fidelity Brokerage Services LLC since 2021 and Fidelity Investments since 2025. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, its role as a registered commodity pool operator, and its advisory activities with multiple registered investment companies.

Geofrey Fridman is a financial advisor at Merrill with 26 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Merrill since 2009, concurrently working with Bank of America, N.A. since 2019. Outside of his advisory role, he is involved in a family-owned for-profit business. 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 individuals, high-net-worth clients, and institutions.

Stephanie Burdett is a financial advisor with Fidelity Investments, holding the Series 63 and Series 66 designations and possessing 12 years of industry experience. Her career includes roles at Citizens Securities Inc., Bank of America, Merrill, and Santander Securities. She also worked for Night Nurse Pediatric Triage for six years prior to her financial industry career. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including managing model portfolios that utilize proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as an advisor to multiple registered investment companies and employs systematic methodologies and long-term asset allocation benchmarks.

Mark Bowen is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 licenses and has 34 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and has also worked with Massachusetts Mutual Life Insurance Company since 2016. Outside of his advisory role, he is involved in outside insurance sales, focusing on property/casualty, fixed annuities, and group life renewals. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive financial planning, asset management, and educational seminars, using firm-approved tools to analyze client goals and provide written recommendations.

Kyle Forsley is a financial advisor at Fidelity with Series 63 and Series 66 licenses and two years of industry experience. Prior to joining Fidelity, he held roles at Merchants Fleet, Bryant University, and several other organizations. 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 develop model portfolios across mutual funds, ETFs, and ETPs. The firm also serves multiple registered investment companies and uses systematic methodologies supported by AI and formal governance procedures.