Julie Frazier is a financial advisor at Merrill with seven years of industry experience. She holds a Series 66 designation. Her prior roles include positions at Province Mortgage Associates Inc and Citizens Bank. 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, retirement plans, corporations, and charitable organizations.

Amy Cutler is a financial advisor at Merrill with 15 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Merrill since 2012. 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.

Richard Beaulieu Jr. is a ChFC® credentialed financial advisor with over 41 years of industry experience. He is currently affiliated with OSAIC and has prior experience at Royal Alliance Associates and Signator Investors. Outside of financial advising, he manages several LLCs related to yacht chartering and maritime businesses. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering brokerage and investment advisory services along with access to third-party money managers and unified managed accounts. The firm employs asset-allocation tools and risk-tolerance assessments to construct diversified portfolios across multiple asset classes.

Roger Lapierre is a financial advisor with Ameriprise in Glendale, Rhode Island, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise and its affiliate since 2011. Lapierre serves on the Board of Directors for the Industrial Foundation of Burrillville and is Vice President of the North Shore Drive Association, Inc. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets, providing detailed recommendation reports on income sources, Social Security, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools to deliver tailored, annual retirement income advice while offering a broad range of advisory, brokerage, and insurance solutions.

Michael Richard is a financial advisor at Morgan Stanley with 31 years of industry experience. He has held roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. He holds Series 63 and Series 65 designations and is based in Providence, RI. 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 and financial planning services supported by structured discovery processes and analytical tools.

Aden Schwartz is a financial advisor at Fidelity with Series 66 and Series 63 credentials and two years of industry experience. Prior to joining Fidelity Investments, he held roles at Ignition Consultants, Juno Journey, and several other companies. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified portfolios and deliver model portfolios to intermediary platforms.

Kevin O'Connor is a Senior Resident Director at Merrill, serving a dual role as both a Financial Advisor and a leader in the local market. He has been with Merrill since 1993, initially joining as a Financial Advisor. In 2004, he was appointed Resident Director for the Syracuse office and currently leads firm strategy by providing training and coaching to Financial Advisors and Client Associates, as well as recruiting talented individuals to grow the office. Kevin applies over 30 years of experience to help clients address a wide range of wealth management needs using a Goals Based Approach to Wealth Management. His team emphasizes clear and regular communication about financial strategies, goals, and objectives to support clients. He earned professional designations including Chartered Retirement Planning Counselor™ (CRPC™) and Certified Plan Fiduciary Advisor® (CPFA®). Kevin holds a Bachelor's degree in Business Administration from Le Moyne College. He resides in Syracuse with his wife, Michelle, and their two sons, Ryan and Justin. Kevin is involved with various boards in the local community and supports charitable work through Merrill's Syracuse office. Outside of work, he enjoys boating, golfing, skiing, and traveling with his family. Kevin has been recognized by Forbes as one of the "Best-in-State Wealth Advisors" for New York for five consecutive years and as part of the "Best-in-State Wealth Management Teams" list for four consecutive years.

Ronald Capraro Jr. is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets Inc. since 2008. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs for individuals and institutional clients, including tailored financial planning supported by proprietary tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services directly and through Corporate Financial Planning agreements.

Adriane Medeiros is a financial advisor with Morgan Stanley in Providence, RI, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning through its advisors and estate planning specialists. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and scenario modeling as part of its financial planning process.

Andrew Ong is a financial advisor at Fidelity with four years of industry experience. He holds a Series 66 designation and has held positions at Bank Newport and in the beverage distribution sector prior to joining Fidelity. He also worked in the restaurant industry and at the University of Rhode Island. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including advisory and fund management roles. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios from mutual funds, ETFs, and ETPs.

Lucas Mariotti is a Financial Consultant at Fidelity Investments, a role he has held since 2025. He has been with Fidelity Investments since 2022, progressing through positions including Investment Consultant, Workplace Planning Consultant, and Workplace Planning Associate. In his current role, Lucas partners with clients to provide clarity and peace of mind in their personal and financial lives by developing customized financial plans. Lucas's approach to financial planning involves clear communication without jargon and a thorough understanding of the client's priorities. He works collaboratively with clients to build plans tailored to their unique needs. His professional experience encompasses a range of consulting roles at Fidelity Investments, reflecting his expertise in financial and workplace planning. Outside of his professional work, Lucas has interests in baseball, beach activities, football, gardening, playing instruments, and music.

David Davtian is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. His career includes roles at Bank of America and Merrill, as well as prior experience in the retail and food service sectors. 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.

Maria Parfenova is a financial advisor at Fidelity with Series 63 and Series 66 credentials and four years of industry experience. She has worked with Fidelity Investments since 2021. Her prior work includes roles at Bryant University and Cambridge Savings Bank. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver discretionary and non-discretionary investment solutions.

Thomas Wickham is a CFP® professional working with Fidelity Investments, with 10 years of industry experience. He has been affiliated with Fidelity since 2015. 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 utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios across a diverse set of mutual funds, ETFs, and ETPs.

Victor de Medeiros is a Financial Consultant currently working at Fidelity Investments since 2024. He has a history of roles in financial consulting and brokerage services, including positions at E*TRADE and Morgan Stanley from 2013 through 2024, and experience as a Bank Manager at Santander Bank-Sovereign from 2011 to 2013. His professional approach emphasizes building genuine relationships with clients and their families to develop financial strategies that are tailored to their specific goals and values. Victor holds insurance licenses in Arkansas and California. Outside of his professional work, Victor has personal interests that include art, cars, family activities, football, gardening, and traveling.

Constantine Menadue is a financial advisor with Fidelity Investments, holding Series 66 and Series 63 licenses and four years of industry experience. His prior work includes roles at Paul E Saperstein Auction Company and Bryant University. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios across various fund structures.

James Branca currently serves as an Investment Management Consultant I. He has been with Fidelity Investments since 2021, progressing through roles including Customer Relationship Advocate, Investment Solutions Representative, and Investment Solutions Representative II and III. In these positions, he has supported clients and their families in developing personalized financial strategies tailored to their goals. James holds insurance licenses in Arkansas and California, reflecting his qualifications in insurance-related financial services. Outside of his professional responsibilities, James enjoys baseball, family activities, golf, traveling, and exploring food.

Seth Hall is a financial advisor with LPL Enterprise, holding a Series 66 designation and two years of industry experience. Prior to his current role, he worked at The Prudential Insurance Company of America, Pruco Securities LLC, and has been involved with Community Care Alliance since 2018. Outside of advising, he participates in ridesharing through Lyft. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients. The firm offers a range of financial services through advisory and brokerage channels, leveraging model portfolios, third-party asset managers, and an integrated platform that includes insurance products and lending programs.

John Farmer is a CFP® with 28 years of industry experience, currently with LPL Financial. His work history includes extensive tenure at Citizens Securities, Inc. and roles at Bank Newport and LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Richard Danforth Jr. is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and bringing 24 years of industry experience. He has been with Merrill since 2009. Outside of his advisory role, he owns an apiary where he manages beekeeping and honey sales, and he performs as a member of an Irish band playing local gigs in Boston. 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 institutional investors.