Dennis Blais is a financial advisor at Merrill with 20 years of experience at the firm and holds the Series 66 designation. He is based in Riverside, RI. 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 plans, corporations, and charitable organizations.

Teresa Smith is a financial advisor at Merrill with a Series 66 designation and eight years of industry experience. She has worked at Merrill since 2009 and has been with Bank of America, N.A. since 2018. 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 plans, corporations, and charitable organizations.

Michael Gaulin is an Investment Consultant at Fidelity Investments, a position he has held since 2025. He works closely with clients to develop personalized financial strategies that align with their values and focus on helping them make steady progress toward their goals. Michael has been with Fidelity Investments since 2019, gaining experience across various roles including Planning Consultant, Investment Solutions Help Desk, Investment Solutions Representative, and Brokerage Operations Representative. His career path reflects a comprehensive understanding of investment consulting and client service within the financial industry. Outside of his professional work, Michael's personal interests include beach activities, biking, boating, golf, skiing, and traveling.

Gregory Silva is a CFA® charterholder and holds a Series 63 license with 23 years of industry experience. He has worked at Ameriprise since 2020 and previously spent nine years with LPL Financial and Webster Bank. He is based in Cranston, Rhode Island. Ameriprise provides retirement-income planning services targeting individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to generate tailored recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Jeremy Foskett is a financial advisor at Merrill with 19 years of industry experience and holds a Series 66 designation. He has been with Merrill since 2009. Outside of his advisory role, he serves as a board member of the Charlton Massachusetts Finance Committee. 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 a range of clients including individuals, high-net-worth clients, and institutional investors.

Deivy Garcia Permanez is a Series 66 licensed advisor at Merrill with one year of industry experience. Prior to joining Merrill, he held positions at Santander Bank N.A., Towne Park, Ltd, ALDO Group, and has experience in education at Florida International University, Miami Dade College, and Mater Academy Middle High School. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Benjamin Bass is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, he worked in various roles including positions at Stonehill College, W.B. Mason, and Bass Resort Sales Corp. Outside of his advisory work, he has experience in athletics through F.A.S.T. Athletics. 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.

Derek Razza is a financial advisor with Fidelity Investments, holding Series 66 and Series 63 credentials and two years of industry experience. Prior to joining Fidelity, he worked at Pioneer Financial and has a diverse background including management experience at High Spirits Liquors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, utilizing a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm’s distinctive capabilities include serving as a commodity pool operator and advising multiple registered investment companies.

Michael Brown is a financial advisor at Fidelity with 26 years of industry experience. He holds a Series 66 designation and has been associated with various Fidelity entities, including Fidelity Management and Research Company since 2000. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios. The firm also engages in fund advisory and manages relationships with multiple registered investment companies and fund-of-funds.

Todd Smith is a financial advisor at Fidelity with nine years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Merrill and Bank of America. 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 algorithmic portfolio construction to manage diversified model portfolios. The firm is also registered as a commodity pool operator and serves as an advisor to multiple registered investment companies.

Waleska Alvarez is a financial advisor at Fidelity with 12 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Citizens Securities, Inc. from 2015 to 2022 before joining Fidelity. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm employs proprietary fundamental research combined with quantitative analysis and algorithmic portfolio construction, and serves as an advisor to multiple registered investment companies and fund-of-funds.

Vaughn Smith Spruill is a financial advisor at Fidelity with Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Fidelity, he worked at Citizens Bank and has held roles outside the financial sector, including digital content creation as a sole proprietor. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Micah Hoagland is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. Prior to joining Merrill, he held positions in various sectors including telecommunications and business solutions. 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 accounts.

Steve Wolfe is currently serving as a Branch Leader at Fidelity, a position he has held since 2025. In this role, he leads and inspires a team of Financial Professionals who guide clients through various stages of their financial journeys. His approach emphasizes collaborative planning, co-creation, trust, and fostering long-term relationships to address clients' personal financial needs. Steve has extensive experience in the financial services industry. Since 2020, he has worked as a Financial Consultant at Fidelity Investments. Prior to that, he was a Wealth Management Advisor at TIAA from 2016 to 2020 and a Financial Solutions Advisor at Merrill Lynch from 2014 to 2016. He also held the role of VP and Financial Consultant at Fidelity Investments in 2025.

Eugene Clark IV is a financial advisor at Morgan Stanley with 36 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009. He holds a Series 63 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and proprietary market simulations as part of its advisory process.

Jonathan Smith is a financial advisor with Wells Fargo Advisors in East Providence, RI, holding a Series 66 designation and 15 years of industry experience. He has been with Wells Fargo Advisors since 2016. Outside of his advisory role, he serves as a trustee for FINET Practice 401(k) plans. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services using proprietary research and tools, with clients having the option to implement recommendations through brokerage or advisory programs.

Joseph Carver is a financial advisor at Merrill with 20 years of industry experience. He holds a Series 66 designation and has been with Merrill 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 strategies across a range of client types, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Bryn Morgan is a financial advisor at Fidelity with Series 66 and Series 63 credentials and one year of industry experience. Outside of his advisory role, he teaches yoga classes with a local fitness organization. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a range of clients including retail and institutional investors, utilizing a combination of fundamental research and quantitative analysis to construct model portfolios.

Daniel Gamboa Marty is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has worked at Bank of America N.A. since 2023 and joined Merrill in 2022. Outside of his advisory role, he is the owner and president of Protean Conglomerate LLC, a business acquisition company, although it is currently inactive. 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 using model-based and discretionary investment strategies.

Eugenia Murray is a financial advisor at Merrill with 22 years of industry experience. She holds Series 63 and Series 66 designations and has been with Merrill since 2006. 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 plans, corporations, and charitable organizations.