Richard Ringler is a financial advisor with Primerica Advisors in Mansfield, MA, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1990. Outside of his advisory role, he occasionally acts as a notary and is involved in referrals for home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which includes model-delivery strategies and a limited number of separately managed account options for individual and high-net-worth clients. The firm focuses on curated third-party asset managers and uses a tiered wrap fee structure rather than fixed fees.

Patrick Saunders is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he worked at Brown Brothers Harriman for three years. His background includes various roles at private clubs and similar organizations. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and discretionary management, with a notable role in fund advisory and the use of artificial intelligence in research.

Casey Connor is a financial advisor at Fidelity with four years of industry experience and holds a Series 66 designation. Prior to joining Fidelity, Casey worked in various roles including as a deckhand for Helen H Deep Sea Fishing, where he assisted customers with fishing and maintained boats. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across a wide range of investment vehicles.

Peter Darling is a financial advisor at Fidelity with Series 66 and Series 63 designations and four years of industry experience. His prior work includes roles at Bournewood Hospital and academic positions at the University of Massachusetts Boston and Massasoit Community College. He works at Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to develop model portfolios, and it is noted for its role as a commodity pool operator and advisor to multiple registered investment companies.

William Florio is a financial advisor at Fidelity with Series 63 and Series 66 credentials and two years of industry experience. Prior to joining Fidelity, he worked in mortgage lending and various roles in media and audio production. Outside of advising, he works as a freelance audio engineer specializing in music and voice-over recording, mixing, and sound design. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a systematic investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction.

Anthony Viera is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in college education planning, personal retirement planning, individual and corporate investment strategy, and retirement income. Anthony works closely with clients to understand their personal perspectives and priorities, helping them develop strategies to pursue their financial goals. He holds the Personal Investment Advisor (PIA) designation and earned his High School Diploma from Dennis Yamouth Regional High School. Anthony is also a member of the Tri-County Regional Chamber. His philosophy centers on uncovering what matters to clients and their families to create tailored financial strategies. Outside of his professional role, Anthony enjoys baseball, basketball, camping, football, ice hockey, softball, spending time with his family, and traveling.

Kelly Clougherty is a financial advisor at Fidelity with two years of industry experience. She holds the Series 63 and Series 66 designations. Her prior work experience includes roles at Diamond Cove Wealth Management and several small businesses, including Morning Glories Bakery & Cafe and Pour Coffee and Bagel Company. Kelly is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a range of portfolios, including fund-of-funds and model portfolios.

Hayden Curley is a financial advisor at Ameriprise with three years of industry experience. He holds a Series 66 designation and has worked at Ameriprise since 2022. Prior to his advisory role, he held positions at Bryant University, TJ Maxx, and the Mendon-Upton School District. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning services that include written recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies. Their retirement income service integrates investment research and third-party data to provide tailored planning within a defined investment framework.

Kyle Lothrop is an Investment Solutions Representative III at Fidelity Investments, a role he has held since 2026. He has been with Fidelity Investments since 2022, progressing through various positions including Investment Solutions Representative II and I, High Net Worth Service Associate, and Customer Relationship Advocate. Prior to joining Fidelity, Kyle worked as a Loan Officer Assistant at Radius Financial Group Inc. from 2020 to 2022. In his current role, Kyle partners with clients to understand their short and long-term financial goals and helps build customized financial plans to meet their unique needs. He emphasizes forming strong relationships with clients and their families, focusing on trust, reliability, and competency. Outside of his professional work, Kyle's personal interests include fitness, football, golf, snowboarding, soccer, and traveling.

Sheila Camara is a Series 66-licensed financial advisor at Merrill with 10 years of industry experience. She 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 strategies developed by internal and third-party teams and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Anthony Cerino is a financial advisor with UBS Financial Services in Providence, RI, holding a Series 66 designation and 10 years of industry experience. He has been with UBS since 2014. Cerino serves as Vice-Chairman for the James Patrick Stowe Fund, a charity supporting testicular cancer research, and is a board member of Fort Adams, a historic site in Newport working on renovation and community events. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory services. The firm combines institutional trading capabilities with wealth management, offering tailored financial planning and portfolio management supported by proprietary research and capital market insights.

Steven Ray is a financial advisor at Fidelity with nine years of industry experience. He holds the Series 66 and Series 63 designations and has been with Fidelity Brokerage Services LLC since 2016. Outside of his advisory role, he works as a concierge at a condominium complex in Providence and is also active as a real estate agent. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients using a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages model portfolios composed of mutual funds, ETFs, and ETPs and provides advisory services including discretionary and non-discretionary portfolio management.

Allison Dungey is an Investment Solutions Representative III at Fidelity Investments, a position she has held since 2026. She has been with Fidelity Investments since 2023, progressing through roles from Customer Relationship Advocate to her current role. Allison focuses on understanding clients' unique financial situations and aspirations through active listening and inquiry. She collaborates with clients to develop comprehensive, clear financial plans aimed at meeting their goals with confidence. In her personal time, Allison enjoys socializing with friends, horseback riding, music, reading, theater, and traveling.

Kyle Zucco is a financial advisor at Fidelity with Series 63 and Series 66 credentials and three years of industry experience. Prior to joining Fidelity, he worked at Keystone Commons and has experience in various roles including employment at Ludlow Fish and Game Club, where he worked as a bartender. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs.

Paul Rankowitz is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 33 years of industry experience. His prior roles include positions at National Planning Corporation, Northwestern National Life Insurance Company, and Reliastar Retirement Plans. He is also involved with PER Associates, Inc., a business entity for tax and investment purposes. 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 financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, research, and various management approaches.

Gianna Pirri is a financial advisor at Fidelity with Series 63 and Series 66 designations and one year of industry experience. Her prior work includes various roles in educational institutions and local businesses. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction across a range of mutual funds, ETFs, and ETPs. The firm serves as an advisor to multiple registered investment companies and employs systematic methodologies to develop model portfolios.

Patrick Franke is a financial advisor with Raymond James & Associates in Providence, RI, holding Series 66 and Series 63 registrations with nine years of industry experience. His prior roles include five years at Fidelity Institutional Asset Management and five years as an investor. He serves as a trustee for a family-established SLAT. 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 municipalities, offering financial planning, wealth advisory, and institutional consulting services with a range of portfolio management styles and affiliated research.

Victor Valliere is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on helping clients with a range of financial needs, including education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, sports and entertainment, tax minimization, and retirement income. Victor works to understand what matters to his clients and their families in order to create financial strategies aimed at pursuing their goals. Victor holds a Bachelor's Degree from the University of Rhode Island and carries the Professional Investment Advisor (PIA) designation. In his role, he helps clients with their protection and investment needs by providing education and guidance on insurance and investment solutions tailored to their situations. He aims to serve as a resource, offering service, tools, and guidance that enable clients to navigate their financial paths with confidence. Outside of his professional work, Victor is involved in community organizations such as Big Brothers Big Sisters of America and Delta Chi Fraternity. He also enjoys cooking, football, music, and running.

Daryl Villanueva is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he held positions in automotive sales and retail, and worked with community organizations including the South Shore YMCA. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to both retail and institutional clients. The firm uses a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage mutual funds, ETFs, and ETPs, and serves as an adviser to multiple registered investment companies and fund-of-funds.

Robert Spadano is a CFA® charterholder with 21 years of industry experience, currently affiliated with LPL Financial since 2006. He operates out of Walpole, MA, and holds a Series 63 license. Outside of his advisory role, he is associated with Seven Point Financial, Inc., a DBA based in Walpole. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by model portfolios and research from internal and external sources.