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©FiveStarProfessional 2020 RHODE ISLAND ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional FS • 3

Featured winners from our Five Star Professional section

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©FiveStarProfessional FIVE STAR AWARD WINNERS ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional

These days, it takes a village to manage your financial world. Whether it is managing your assets with a wealth manager, navigating the ever-changing tax landscape, sorting out your estate and succession planning or picking the right life insurance, finding the right team can be a daunting task. In fact, many consumers have a hard time figuring out where to even begin. Sometimes, a few simple questions can put you on the right path. Asking a professional what makes working with them a unique experience can help you understand how they work and if their style meshes with your own.

This is a great place to start! Five Star Professional uses its own proprietary research methodology to name outstanding professionals, then works with publications such as Rhode Island Monthly magazine to spread the word about award winners. Each award candidate undergoes a thorough research process (detailed here) before being considered for the final list of award winners. For the complete list of winners, go to fivestarprofessional.com.

RESEARCH DISCLOSURES

In order to consider a broad population of high-quality wealth managers and investment professionals, award candidates are identified by one of three sources: firm nomination, peer nomination or prequalification based on industry standing. Self-nominations are not accepted. Rhode Island award candidates were identified using internal and external research data. Candidates do not pay a fee to be considered or placed on the final lists of Five Star Wealth Managers or Five Star Investment Professionals. • The Five Star award is not indicative of a professional’s future performance.

• Wealth managers may or may not use discretion in their practice and therefore may not manage their clients’ assets. • The inclusion of a professional on the Five Star Wealth Manager list or the Five Star Investment Professional list should not be construed as an endorsement of the professional by Five Star Professional or Rhode Island Monthly magazine. • Working with a Five Star Wealth Manager, Five Star Investment Professional or any professional is no guarantee as to future investment success, nor is there any guarantee that the selected professionals will be awarded this accomplishment by Five Star Professional in the future. • F ive Star Professional is not an advisory firm and the content of this article should not be considered financial advice. For more information on the Five Star Wealth Manager or Five Star Investment Professional award programs, research and selection criteria, go to fivestarprofessional.com/research.

FIVE STAR WEALTH MANAGER CRITERIA DETERMINATION OF AWARD WINNERS

Award candidates who satisfied 10 objective eligibility and evaluation criteria were named 2020 Five Star Wealth Managers. Eligibility Criteria – Required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative. 2. Actively employed as a credentialed professional in the financial services industry for a minimum of five years. 3. Favorable regulatory and complaint history review. 4. Fulfilled their firm review based on internal firm standards. 5. Accepting new clients. Evaluation Criteria – Considered: 6. One-year client retention rate. 7. Five-year client retention rate. 8. Non-institutional discretionary and/or non-discretionary client assets administered. 9. Number of client households served. 10. Education and professional designations. 614 award candidates in the Rhode Island area were considered for the Five Star Wealth Manager award. 132 (approximately 22% of the award candidates) were named 2020 Five Star Wealth Managers.

FIVE STAR INVESTMENT PROFESSIONAL CRITERIA

DETERMINATION OF AWARD WINNERS

The investment professional award goes to estate planning attorneys, insurance agents and select others in the financial industry. Eligibility Criteria – Required: 1. Credentialed with appropriate state or industry licensures. 2. Actively employed as a credentialed professional in the financial services industry for a minimum of five years. 3. Favorable regulatory and complaint history review. 4. Accepting new clients. Evaluation Criteria – Considered: 5. One-year client retention rate. 6. Five-year client retention rate. 7. Number of client households served. 8. Recent personal production and performance (industry specific criteria). 9. Education and professional designations/industry and board certifications. 10. Pro Bono and community service work. This year, we honored 2 Rhode Island-area investment professionals with the Five Star Investment Professional award.

All award winners are listed in this publication

Financial Planning Steven James Beauvais ∙ Sowa Financial Group Tracy Scot Cahill ∙ AXA Advisors

Rick W. Campbell ∙ Financial Independence Page 8 Raphael “Ray” Castaldi ∙ Castaldi Financial Solutions, Inc. Page 11

Joseph T. Conaty Jr. ∙ Ameriprise Financial Services, Inc. Page 11

Mark S. Cruise ∙ The Virtus Group Page 4

Daniel A. Gamm ∙ TW Financial Group

Paul M. Teixeira ∙ Teixeira Financial Group Page 7

Louis P. Goldman ∙ Morgan Stanley

Daniel Patrick Dalton ∙ Baystate Financial

Steven Hagopian ∙ Ameriprise Financial Services, Inc. Page 11

Alan Testa ∙ BankRI Investment Services Page 5

Jonathan Harris ∙ Black Point Wealth Management Page 3

Mark A. Lavallee ∙ Financial Independence Page 8

Investments

Danny DeHoney ∙ Ameriprise Financial Services, Inc. Page 11

Mackenzie Richards ∙ BankRI Investment Services Page 5

Karen J. Bacon ∙ Diversified Resources, LLC Page 11

Dennis P. McGuire Jr. ∙ McGuire Wealth Management Page 6

Robert Lloyd Duff ∙ Ameriprise Financial Services, Inc.

Hector R. Rodriguez ∙ LPL Financial Page 10

Kevin DeAngelis ∙ BankRI Investment Services Page 5

Donna G. Sowa Allard ∙ Sowa Financial Group

Alexander A. DaCunha ∙ LPL Financial

Dennis P. McGuire Sr. ∙ McGuire Wealth Management Page 6

Lee Alan Duckworth ∙ Capital Wealth Management Page 9

Sean M. McGuire ∙ McGuire Wealth Management Page 6

Mark R. Provost ∙ D & P Investment Advisors, Ltd. Page 10 Gregory Michael Silva ∙ LPL Financial John Michael Soucy ∙ Webster Bank

Donald Joseph Sowa ∙ Sowa Financial Group Melissa Trapp ∙ BankRI Investment Services Page 5 Kevin Manuel Vieira ∙ LPL Financial Continued on FS-12

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©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional Black Point Wealth Management ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional Left to right: Dan Beaudette; Three-year winner Jonathan Harris, Financial Advisor, ChFC®; Rachael DuFault 2 Corporate Place • Middletown, RI 02842 Phone: 401-683-7392 [email protected] • www.bpwealthmgt.com

Black Point Wealth Management, Inc. was established in 1999. We understand that in this business, you need to have a holistic view of your clients’ lives in order to best plan for their futures and find the right investment strategies suitable for their long-term plans.

Securities and Advisory Services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser.

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively licensed as a registered investment adviser or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one clients’ experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients’assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 614 Rhode Island-area wealth managers were considered for the award; 132 (22% of candidates) were named 2020 Five Star Wealth Managers. 2019: 568 considered, 131 winners; 2018: 545 considered, 131 winners; 2017: 476 considered, 189 winners; 2016: 495 considered, 173 winners; 2015: 637 considered, 194 winners; 2014: 677 considered, 204 winners; 2013: 553 considered, 185 winners; 2012: 287 considered, 111 winners.

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©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional The Virtus Group ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional

Left to right: 2020 winner James S. Cruise, CFP®, Wealth Advisor; 2012 – 2020 winner Mark S. Cruise, ChFC®, CLU®, MBA, Partner, Founder; (Not pictured: 2013 – 2018 and 2020 winner Derek Doo, AIF®, PPC™, CFO, Partner) 10 Memorial Boulevard, Suite 903 • Providence, RI 02903 Office: 401-223-0500 • [email protected] • www.virtusgrp.com

At The Virtus Group, we strive to be our clients’ most trusted advisor through hard work, integrity and the highest level of client service. Our company’s philosophy is based on the principle that comprehensive understanding and two-way discussions of our clients’ current financial situations empower clients to confidently move forward with future financial decisions. We have over 60 years of combined experience in the investment industry. Securities and advisory services offered through LPL Financial a Registered Investment Advisor. Member FINRA/SIPC.

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively licensed as a registered investment adviser or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one clients’ experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients’assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 614 Rhode Island-area wealth managers were considered for the award; 132 (22% of candidates) were named 2020 Five Star Wealth Managers. 2019: 568 considered, 131 winners; 2018: 545 considered, 131 winners; 2017: 476 considered, 189 winners; 2016: 495 considered, 173 winners; 2015: 637 considered, 194 winners; 2014: 677 considered, 204 winners; 2013: 553 considered, 185 winners; 2012: 287 considered, 111 winners.

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©FiveStarProfessional BankRI Investment Services ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional 7 ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional WEALTH MANAGERS

YEAR WINNER

Left to right: Dana Sherman; Six-year winner Alan Testa; Seven-year winners Melissa Trapp and Kevin DeAngelis; Kirsten Bagaglia; Lori Reinhardt; 2020 winner Mackenzie Richards

Planning for a Work-Optional Lifestyle

At BankRI Investment Services, we strive to bring you the best of both worlds: expert knowledge to help you realize your goals delivered with impeccable customer service. With nearly 100 years of industry experience among us and a track record for providing the highest level of integrity and service, our team knows the business, and we’re here for our customers. Building a ﬁnancially secure future doesn’t just happen — it takes planning, commitment, a vision for what you want to accomplish and expert guidance on how to get there. Too often, the focus is on saving for the future; we feel it should be about planning for it. BankRI Investment Services can step in to help you deﬁne, manage and achieve your goals. We help manage the process as your life evolves. Whether you’re interested in investments, life insurance, retirement or estate and tax planning, we have you covered. After all, it’s what we do.

BankRI Investment Services One Turks Head Place, 16th Floor Providence, RI 02903 Phone: 401-574-1640 www.bariinvestments.com

The Financial Advisors of BankRI Investment Services offer securities and advisory services through Commonwealth Financial Network, member FINRA/SIPC, a Registered Investment Advisor. Investments are not FDIC insured, are not guaranteed by BankRI and are subject to risks, including possible loss of principal. BankRI and Commonwealth are separate and unaffiliated entities. Bank Rhode Island is not a registered broker-dealer or Registered Investment Adviser. Fixed insurance products and services offered through BankRI Investment Services and CES Insurance Agency. Wealth Manager Award Winner

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively licensed as a registered investment adviser or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one clients’ experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients’ assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 614 Rhode Island-area wealth managers were considered for the award; 132 (22% of candidates) were named 2020 Five Star Wealth Managers. 2019: 568 considered, 131 winners; 2018: 545 considered, 131 winners; 2017: 476 considered, 189 winners; 2016: 495 considered, 173 winners; 2015: 637 considered, 194 winners; 2014: 677 considered, 204 winners; 2013: 553 considered, 185 winners; 2012: 287 considered, 111 winners.

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©FiveStarProfessional McGuire Wealth Management ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional 9 ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional WEALTH MANAGERS

YEAR WINNER

Left to right: Nine-year winner Dennis P. McGuire Jr., Managing Partner, AAMS®, ADPA®, RICP®; Four-year winner Dennis P. McGuire Sr., Director; Three-year winner Sean M. McGuire, Partner

Comprehensive, Reliable and Clear Investment Management

∙ Dedicated team approach to support our client and family relationships

∙ Personalized investment strategy with individually managed portfolios — not packaged products ∙ Extensive investment research, portfolio management and estate and tax planning guidance resources

∙ Fee-based services — not by sales commission — driven to grow your assets

Our rules of investing have not changed in more than 47 years: 1) Buy investments when they represent value. 2) Diversify portfolios to help spread risk.

3) Hold for the long term — usually three, five, seven or more years. 4) Do not focus on the short term.

At McGuire Wealth Management, we are driven to do our best for our clients. We do not simply market Wall Street’s financial products; rather, we build personal and individually designed investment portfolios for individuals, trusts and retirement plans. Technical and fundamental analysis, market sentiment analysis and quantitative analysis are some of the tools we employ to invest to the best of our ability. To learn the benefits of our investment strategy, please visit our website or call our office to discuss your investment portfolio.

4435 Old Post Road • Charlestown, RI 02813 Office: 401-364-5000 • Toll-free: 800-964-9001 [email protected] • www.mcguirewealth.com

Investment advisory services provided by McGuire Investment Group, LLC, doing business as “McGuire Wealth Management.” Third party rankings and recognition from ratings services are no guarantee of future investment success. Ratings should not be considered an endorsement for the adviser by any client nor are they representative of any one client’s evaluation. The information contained in the rankings is for informational purposes only and the views and opinions expressed are the author’s own and not necessarily those of McGuire Wealth. None of the information provided is an indication of any client’s experience, past or present, with McGuire Wealth and the services offered by the firm. For additional information and disclosures about McGuire Wealth, please review our Form ADV at www.adviserinfo.sec.gov. Wealth Manager Award Winner

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively licensed as a registered investment adviser or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one clients’ experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients’ assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 614 Rhode Island-area wealth managers were considered for the award; 132 (22% of candidates) were named 2020 Five Star Wealth Managers. 2019: 568 considered, 131 winners; 2018: 545 considered, 131 winners; 2017: 476 considered, 189 winners; 2016: 495 considered, 173 winners; 2015: 637 considered, 194 winners; 2014: 677 considered, 204 winners; 2013: 553 considered, 185 winners; 2012: 287 considered, 111 winners.

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©FiveStarProfessional Teixeira Financial Group ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional 9 ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional WEALTH MANAGERS

YEAR WINNER

Nine-year winner Paul M. Teixeira, Financial Advisor

A Comprehensive Approach to a Complex Financial Market

Portfolio performance and wealth preservation are foremost in the minds of today’s investors. In a complex and changing global economy, investors are confronted with a new generation of ﬁnancial challenges. With more than 30 years of investment experience, we invite you to join us for a complimentary portfolio review and analysis. Experience why many have chosen our services.

∙ Solid research and innovative solutions

∙ Alternative wealth management strategies ∙ Estate planning solutions

∙ Retirement planning and income strategies

Teixeira Financial Group

228 County Street • Attleboro, MA 02703 • Office: 508-431-1099 750 E Avenue • Pawtucket, RI 02860 • Office: 401-729-1391 [email protected] • teixeirafinancial.com

Paul M. Teixeira is an Advisory representative offering investments and advisory services through Lincoln Financial Securities, Member SIPC. Teixeira Financial Group is not an affiliate of Lincoln Financial Securities. LFS-2790784-102319. Wealth Manager Award Winner

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively licensed as a registered investment adviser or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one clients’ experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients’ assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 614 Rhode Island-area wealth managers were considered for the award; 132 (22% of candidates) were named 2020 Five Star Wealth Managers. 2019: 568 considered, 131 winners; 2018: 545 considered, 131 winners; 2017: 476 considered, 189 winners; 2016: 495 considered, 173 winners; 2015: 637 considered, 194 winners; 2014: 677 considered, 204 winners; 2013: 553 considered, 185 winners; 2012: 287 considered, 111 winners.

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©FiveStarProfessional Rick W. Campbell and Mark A. Lavallee ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional 6 ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional WEALTH MANAGERS

YEAR WINNER

Left to right: Back row: Kevin Pierro, Financial Consultant; Steve Cronholm, Office Manager; Patti Watson, Quality Control Administrator; Front row: Six-year winner Rick W. Campbell, MBA, ChFC®, President; Kerry Vasaturo, Executive Administrator; Six-year winner Mark A. Lavallee, MBA, CFP®, Vice President

Live Your Best Life

If you have worked with ﬁnancial ﬁrms in the past, you may be surprised by our approach. The diﬀerence is not so much what we do but how we do it, and more importantly, why we do it. We believe our primary purpose as an organization is to help our clients live their best lives, and by doing just that, they help us live ours.

Our BEST Life Planning process is designed to help you:

∙ Balance rich life experiences today while preparing for tomorrow

∙ Enrich your life with purpose, meaning and the confidence that you’re doing the right thing ∙ Simplify your life by helping you evaluate your priorities and make informed decisions, freeing up time for what is truly important to you

∙ Transcend stress, anxiety and uncertainty, and maximize piece of mind, financial security and confidence

931 Jefferson Boulevard, Suite 2005 Warwick, RI 02886 Phone: 401-681-4825 • www.fi-ri.com [email protected] • [email protected]

Financial Independence, LLC is a Registered Investment Advisor and only transacts business where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor is not an endorsement of the firm by securities regulators and does not mean that the advisor has attained a particular level of skill or ability. Wealth Manager Award Winner

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively licensed as a registered investment adviser or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one clients’ experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients’ assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 614 Rhode Island-area wealth managers were considered for the award; 132 (22% of candidates) were named 2020 Five Star Wealth Managers. 2019: 568 considered, 131 winners; 2018: 545 considered, 131 winners; 2017: 476 considered, 189 winners; 2016: 495 considered, 173 winners; 2015: 637 considered, 194 winners; 2014: 677 considered, 204 winners; 2013: 553 considered, 185 winners; 2012: 287 considered, 111 winners.

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©FiveStarProfessional Capital Wealth Management, LLC ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional 7 ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional WEALTH MANAGERS

YEAR WINNER

Left to right: Back row: Two-year winner Curt A Caserta, CLU®, RFC®, AIF®; Kim Menard; Five-year winner Peter J. Alofsin, CFP®, AIF®; Rebecca A. Records, APR, AIF®; Lawrence F. Dooley Jr., CFA; Front row: Virginia Perez; Seven-year winner Lee Alan Duckworth, CFP®, AIF®, President, CEO; Palmira G. Azevedo; Brian Glatz, LIFA, AIF®

Building and Preserving Wealth Since 1989

Your trust is our guide.

We are a federally registered investment advisory ﬁrm oﬀering independent ﬁduciary advice to retirement plan trustees and comprehensive wealth management to high net worth individuals. We strive to help families realize multigenerational ﬁnancial goals and implement sophisticated investment strategies in an easy-to-understand manner.

In an eﬀort to reduce plan costs and improve investments, we consult with plan service providers on your behalf to achieve the following: competitive fee structure, unlimited investment platform, white-glove service and advanced technology. This is structured so that trustees know exactly how much the service providers are being paid and what services are being provided.

∙ Lee Alan Duckworth: 2014 – 2020 Five Star Wealth Manager

∙ 401(k) and retirement plan consulting

∙ Utilizes a rigorous, data-driven process ∙ Customized investment management

1300 Division Road, Suite 203 • West Warwick, RI 02893 Phone: 401-885-1060 • [email protected] www.capitalwealthllc.com

Securities offered through Triad Advisors, LLC. Member FINRA/SIPC. Investment Advisory Services are offered through Capital Wealth Management, LLC, a registered investment advisor. Capital Wealth Management, LLC and Triad Advisors, LLC. are not affiliated. Wealth Manager Award Winner

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively licensed as a registered investment adviser or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one clients’ experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients’ assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 614 Rhode Island-area wealth managers were considered for the award; 132 (22% of candidates) were named 2020 Five Star Wealth Managers. 2019: 568 considered, 131 winners; 2018: 545 considered, 131 winners; 2017: 476 considered, 189 winners; 2016: 495 considered, 173 winners; 2015: 637 considered, 194 winners; 2014: 677 considered, 204 winners; 2013: 553 considered, 185 winners; 2012: 287 considered, 111 winners.

FS • 9

SPECIAL ADVERTISING SECTION

©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional WEALTH MANAGERS

Mark R. Provost CPA/PFS, MST

President and CEO

∙ Investment management ∙ Retirement planning ∙ Financial planning

7 YEAR

∙ Estate planning

∙ Trusted advisor with long-term client relationships

WINNER

Seven-year winner Mark R. Provost, CPA/PFS, MST

D & P Investment Advisors, Ltd. 10 High Street, Unit B • Wakefield, RI 02879 Phone: 401-792-0100 • [email protected]

My primary focus is to guide my clients through the challenges and triumphs they may encounter in their ﬁnances, thus allowing them to achieve their ﬁnancial goals. My 35 years of tax experience allows me to utilize tax-eﬃcient strategies and planning to help maximize my clients’ investment returns.

For additional information about the firm, including registration status, fees and services, send for the Firm’s Disclosure Brochure using the contact information herein. Lic. 4516166.

Wealth Manager Award Winner

Hector R. Rodriguez Financial Consultant, MBA, ChFC®

2012 – 2020 Five Star Wealth Manager

∙ Independent financial advice

∙ Personalized investment strategies

∙ Asset preservation and estate planning

9

YEAR WINNER

Nine-year winner Hector R. Rodriguez, Financial Consultant, MBA, ChFC®

Rodriguez Wealth Management is emotionally committed to you.

My focus is on helping you pursue your ﬁnancial goals. At the heart of any relationship is trust — trust built by listening to you and understanding you.

Rodriguez Wealth Management

My core belief is that you, the client, can ﬁnd me as a source of comfort, providing you with strategies that seek to achieve your ﬁnancial dreams.

850 Aquidneck Avenue, Suite A4 • Middletown, RI 02842-5531 Office: 401-848-4579 • Cell: 401-862-2483 [email protected] • www.rodriguezandyou.com

Securities and advisory services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC.

Wealth Manager Award Winner

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively licensed as a registered investment adviser or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one clients’ experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients’ assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 614 Rhode Island-area wealth managers were considered for the award; 132 (22% of candidates) were named 2020 Five Star Wealth Managers. 2019: 568 considered, 131 winners; 2018: 545 considered, 131 winners; 2017: 476 considered, 189 winners; 2016: 495 considered, 173 winners; 2015: 637 considered, 194 winners; 2014: 677 considered, 204 winners; 2013: 553 considered, 185 winners; 2012: 287 considered, 111 winners.

FS • 10

SPECIAL ADVERTISING SECTION

©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional ©FiveStarProfessional WEALTH MANAGERS

Danny DeHoney

Raphael “Ray” Castaldi

CFP®, ChFC®, CLU®, CRPC®, APMA®, Private Wealth Advisor, CA Lic. 0E43144

Founder, President, CLU®, ChFC®

Castaldi Financial Solutions, Inc.

1000 Chapel View Blvd., Suite 250 Cranston, RI 02920 Phone: 401-824-2530 [email protected] www.dannydehoney.com facebook.com/dannydehoney

9

YEAR WINNER

Chapel View Private Wealth Group

∙ 20 years of ﬁnancial experience ∙ Named Forbes’ Best-in-State Wealth Advisors, 2019 ∙ 2012 – 2020 Five Star Wealth Manager

Chapel View Private Wealth Group, a private wealth advisory practice of Ameriprise Financial Services, Inc. Forbes/SHOOK Research listings are based on data compiled by many of the nation’s most productive advisors, selected by their firms, which is then submitted to and judged by SHOOK Research. Key factors and criteria include: assets under management, revenue produced over a three-year period, regulatory and compliance record, and credentials/years of professional experience. Portfolio performance is not a factor. This award is not indicative of this advisor’s future performance. Neither Forbes nor SHOOK Research receives compensation in exchange for placement on the ranking. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S. Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. Ameriprise Financial Services, Inc., Member FINRA and SIPC.

12 Canal Street, Suite 104 Westerly, RI 02891 Office: 401-596-6600 [email protected] www.castaldifinancial.com

5

YEAR WINNER

Take Control of Your Life

Founded in January 1993 by Raphael “Ray” Castaldi, Castaldi Financial Solutions, Inc. offers retirement income planning and personal financial coaching services. Ray offers securities through Cambridge Investment Research, Inc., an independent broker-dealer. With his wife of 40 years, three grown children and one grandchild, Ray understands the need to plan ahead to reach your goals! Ray helps his clients achieve more confidence in their financial lives by creating a clear financial road map to guide them. Ray’s purpose is to give his clients direction and lead them to their goals through coaching, education and frequent communication! It is important for his clients to plan well so they can live well! Registered Representative Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Investment Advisor Representative Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and Castaldi Financial Solutions, Inc. are not affiliated.

Wealth Manager Award Winner

Wealth Manager Award Winner

Steven Hagopian

Joseph T. Conaty Jr.

Financial Advisor

Financial Advisor, CRPC®

1000 Chapel View Blvd., Suite 250 Cranston, RI 02920 Office: 401-383-4003 [email protected] ameripriseadvisors.com/ steven.p.hagopian

8

YEAR WINNER

300 Jefferson Boulevard, Suite 110 Warwick, RI 02888 Phone: 401-921-5000 [email protected] ameripriseadvisors.com/joseph.t.conaty

7

YEAR WINNER

As a Chartered Retirement Planning CounselorSM, Steven is uniquely positioned to identify strategies that will help prepare you for the necessary stages of retirement. With 18 years of experience in the financial field, Steven’s knowledge will help guide you closer to your financial goals. Steven is an eight-year Five Star Wealth Manager award winner, 2013 – 2020. Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. Ameriprise Financial Services, Inc., Member FINRA and SIPC. Wealth Manager Award Winner

19 Years of Experience

Karen J. Bacon

∙ 2012, 2014 – 2018 and 2020 Five Star Wealth Manager

You are unique, and so are your financial goals. That’s why I take the time to understand what’s truly important to you. I can help you prepare for whatever life brings — both the expected and the unexpected — with personalized advice tailored to you. I’m proud to have the support of a firm with such high customer service rankings. Every day my priority is serving clients in big and small ways that help them achieve their goals today and tomorrow. I offer personalized, comprehensive financial advice and a broad range of solutions to help you and your loved ones live brilliantly, now and in the future. Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. Ameriprise Financial Services, Inc., Member FINRA and SIPC. Wealth Manager Award Winner

CERTIFIED FINANCIAL PLANNER™, CLTC®, MBA

70 Jefferson Boulevard Warwick, RI 02888 Office: 401-941-1500 [email protected] www.divres.com

9

YEAR WINNER

Our mission is to help people create, conserve and ultimately transfer their personal wealth. This includes retirement income planning, risk management and estate planning. Our process allows for a more relationship-focused and holistic client experience. Founded in 1983 by Karen’s father, George Wright, Diversified Resources, LLC is a federally registered investment advisor and broker-dealer. Member FINRA/SIPC.

Wealth Manager Award Winner

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively licensed as a registered investment adviser or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one clients’ experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients’ assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 614 Rhode Island-area wealth managers were considered for the award; 132 (22% of candidates) were named 2020 Five Star Wealth Managers. 2019: 568 considered, 131 winners; 2018: 545 considered, 131 winners; 2017: 476 considered, 189 winners; 2016: 495 considered, 173 winners; 2015: 637 considered, 194 winners; 2014: 677 considered, 204 winners; 2013: 553 considered, 185 winners; 2012: 287 considered, 111 winners.

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SPECIAL ADVERTISING SECTION

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Continued from FS-2

Wealth Managers

James S. Cruise The Virtus Group

David Louis Gioffreda Ameriprise Financial Services, Inc.

Mark McAndrew Morgan Stanley

Scott Andrew Royley Wells Fargo Advisors

Sandra Cummings Janney Montgomery Scott

Joshua D. Giuliano Citizens Investment Services

Joseph Hugh McGinn Brown Lisle Cummings

Anthony J. Ruzzo Merrill Lynch

Thomas William Curry Merrill Lynch

John Thomas Gunning Commonwealth Financial Network

William J. McGowan Ameriprise Financial Services, Inc.

David P. Santoro Commonwealth Financial Network

Daniel Da Ponte Axis Advisors, LLC

Raymond Walter Gutowski Edelman Financial Engines

Kevin Michael McGrady LPL Financial

Rene James Sawyer Morgan Stanley

Joanne Marie Daly Morgan Stanley

George Hadfield Ameriprise Financial Services, Inc.

Timothy M. McGraw Ameriprise Financial Services, Inc.

Peter John Searles Wells Fargo Advisors

Matthew Scott D’Ambra Morgan Stanley

Harry Aaron Hanoian Wells Fargo Advisors

Michael Edward Medici Merrill Lynch

Sergio Anthony Decurtis New England Pension Plan Systems

Nelson L. Hawkins Jr. Wells Fargo Advisors

Sharon Kay Meehan LPL Financial

Dawn Elizabeth Smith Oasis Financial Services/ Ameriprise Financial Services, Inc.

Thomas Anthony DeNicola Jr. Ameriprise Financial Services, Inc.

William John Horn Retirement & Benefit Partners

Karen Melo Ticas Baystate Financial

Oliver Joseph Brady Ameriprise Financial Services, Inc.

Paul John DiPalma Ameriprise Financial Services, Inc.

Benjamin Matthew Howarth Barnum Financial Group

Louis George Murphy Brown Lisle Cummings

Edmund John Brock Ameriprise Financial Services, Inc.

Derek Doo The Virtus Group

David Grenville Hunter Resolute Wealth Management

Kara Lee Museler UBS

Michael David Carano LPL Financial

Sean P. Durkin Ameriprise Financial Services, Inc.

Brad M. Ingegneri Ivy Wealth Management, Inc.

Douglas Ronald Nani Morgan Stanley

Richard Gerard Carriere Morgan Stanley

Cheryl Dugas Ethier SK Wealth Management, LLC

Michael Stephen Jilling LPL Financial

William F. O’Donnell Eagle Strategies, LLC

Mark Harriman Chafee Brown Lisle Cummings

Colleen Marie Farley Loring Advisory Group

Heather Lyn Kendra Ameriprise Financial Services, Inc.

Joshua John Paradis AXA Advisors

Dallas W. Coffman Whiteman Financial Services LLC

John Carroll Farley Newport Wealth Management

Andre Khalfayan Corrigan Financial

Sandra Lynn Peters Ameriprise Financial Services, Inc.

Christopher Ryan Connolly Capital Analysts

John Wayne Farmer Citizens Investment Services

Lisa Paul Koelle Wells Fargo Advisors

John Francis Poulton Ameriprise Financial Services, Inc.

Daniel T. Corrigan Corrigan Financial

John Michael Finn LPL Financial

Daniel Carl Kuhn Morgan Stanley

Robert Rebussini LPL Financial

David Howard Weinberg Ameriprise Financial Services, Inc.

Daniel Gerard Corrigan Corrigan Financial

Brendan Patrick Flaherty Janney Montgomery Scott

Maura Rose Laudone MML Investors Services

Joseph Aloysius Reidy Jr. Ameriprise Financial Services, Inc.

Mark Riley Williams Oak Leaf Wealth Management

Brian Norman Corriveau Wealth Care Investment Partners, LLC

Kelly Diane Fox Ameriprise Financial Services, Inc.

John Domenic Alessandro LPL Financial

Peter J. Alofsin Capital Wealth Management

Jason Eric Archambault SK Wealth Management, LLC Brian Argiro Citizens Investment Services

Robert Nicholas Auclair Balanced Wealth Management John Charles Ayers Morgan Stanley Christopher Bean Merrill Lynch

Richard Edward Bergeron Commonwealth Financial Network

Patricia Anne Craddock Morgan Stanley

Matthew Carter Crook Ameriprise Financial Services, Inc.

Michael Gregory Fox Commonwealth Financial Network Kim Resendes George Todd M. George Investment & Retirement Services

Todd Matthew George Decisive Wealth Management

Scott Sawyer Lisle Brown Lisle Cummings Andrew Adam Liss Strategies For Wealth

Jeffrey William Loring Loring Advisory Group Nicholas Loring Loring Advisory Group

Michael Paul Richard Morgan Stanley

Robert B. Richardson Morgan Stanley

John James Riley Cornerstone Investment Services Michael Joseph Rivera MML Investors Services

Paul Alan Steinbrenner Morgan Stanley Jonathan Aiken Sweet Oak Leaf Wealth Management Clifford Burrell Tracy Jr. Brown Lisle Cummings Ted Grier Trafton Ameriprise Financial Services, Inc. Eric Anthony Tunstall Citizens Investment Services Benjamin Webb Tuthill Wells Fargo Advisors Stephen Vachon Vachon Financial Group James A. Valis Blackstone Valley Wealth Management

Todd J. Wokoske Decisive Wealth Management

Investment Professionals Karen DelPonte Cameron & Mittleman LLP Kenneth R. Rampino Rampino Law, Ltd.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, Certified Financial Planner™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements. The Chartered Financial Consultant credential [ChFC®] is a financial planning designation awarded by The American College. The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively licensed as a registered investment adviser or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one clients’ experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients’ assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 614 Rhode Island-area wealth managers were considered for the award; 132 (22% of candidates) were named 2020 Five Star Wealth Managers. 2019: 568 considered, 131 winners; 2018: 545 considered, 131 winners; 2017: 476 considered, 189 winners; 2016: 495 considered, 173 winners; 2015: 637 considered, 194 winners; 2014: 677 considered, 204 winners; 2013: 553 considered, 185 winners; 2012: 287 considered, 111 winners. This year, we honored 2 Rhode Island-area investment professionals with the Five Star Investment Professional award.

FS • 12