SPECIAL ADVERTISING SECTION

WEALTH MANAGERS

• Financial advisor with more than 26 years of experience

• Alternative investments director

• Investment management consultant

• 2013 – 2017 and 2020 – 2021 Five Star Wealth Manager

Doug can help you define and meet your goals by delivering a vast array of resources in a manner that is most appropriate for your investment needs . Working with you , Doug is devoted to helping you preserve and grow your wealth by providing you access to some of the world ’ s most seasoned and respected investment professionals and a full spectrum of investment choices .

© 2021 Morgan Stanley Smith Barney LLC . Member SIPC . CRC 3301500 10 / 20 . FIVE STAR WEALTH MANAGER AWARD WINNER

• Former ( non-practicing ) CPA with M . S . in taxation from Bentley Grad School

With 20-plus years of experience in the industry , Peter Searles has spent his entire career solving problems and making complicated things clearer so that people can understand them . He knows the right questions to ask , and more importantly , how to listen to the answers . Through a proven process of comprehensive planning , he renders his judgment with care , skill and caution with a commitment to helping his clients and their families succeed financially . Peter is a 2013 , 2015 , 2017 – 2021 Five Star Wealth Manager .

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 . Investment and Insurance Products :

NOT FDIC-Insured NO Bank Guarantee MAY Lose Value Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services , LLC , Member SIPC , a registered broker-dealer and non-bank affiliate of Wells Fargo & Company . Wells Fargo Advisors is not a legal or tax advisor . CAR 1020-02732 .

FIVE STAR WEALTH MANAGER AWARD WINNER

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YEAR WINNER

Steven Hagopian Financial Advisor

As a Chartered Retirement Planning Counselor ^SM , Steven is uniquely positioned to identify strategies that will help prepare you for the necessary stages of retirement . With 19 years of experience in the financial field , Steven ’ s knowledge will help guide you closer to your financial goals . Steven is a nine-year Five Star Wealth Manager award winner , 2013 – 2021 .

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 .

FIVE STAR WEALTH MANAGER AWARD WINNER

1000 Chapel View Blvd ., Suite 250 Cranston , RI 02920 Office : 401-383-4003 steven . p . hagopian @ ampf . com ameripriseadvisors . com / steven . p . hagopian

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YEAR WINNER

• Retirement planning

• Financial coach

Raphael “ Ray ” Castaldi Founder , President , CLU ®, ChFC ®

Castaldi Financial Solutions , Inc .

12 Canal Street , Suite 104 Westerly , RI 02891 Office : 401-596-6600 ray @ castaldifinancial . com www . castaldifinancial . com

Raphael “ Ray ” Castaldi founded Castaldi Financial Solutions in 1993 . He offers retirement income planning and personal financial coaching services . Ray works closely with local attorneys and accountants to create a personalized strategy for your financial future .

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 . Third party awards are not indicative of past or future investment performance . For more information , go to www . fivestarprofessional . com .

FIVE STAR WEALTH MANAGER AWARD WINNER

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YEAR WINNER

John M . Soucy Senior Vice President , Wealth Consultant

1376 Bald Hill Road , Warwick , RI 02886 Phone : 401-822-7748 jmsoucy @ websterbank . com public . websteronline . com / people / john-soucy

• Helping you build , protect and transfer your wealth

Securities and advisory services are offered through LPL Financial ( LPL ), a registered investment advisor and broker-dealer ( member FINRA / SIPC ). Insurance products are offered through LPL or its licensed affiliates . Webster Bank and Webster Investments are not registered as a broker-dealer or investment advisor . Registered representatives of LPL offer products and services using Webster Investments , and may also be employees of Webster Bank . These products and services are being offered through LPL or its affiliates , which are separate entities from , and not affiliates of , Webster Bank or Webster Investments . Award based on 10 objective criteria associated with providing quality services to clients such as credentials , experience , and assets under management among other factors . Wealth managers do not pay a fee to be considered or placed on the final list of 2018 , 2019 , 2020 and 2021 Five Star Wealth Managers .

FIVE STAR WEALTH MANAGER AWARD WINNER

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YEAR WINNER

• 18 years of industry experience

• CFP ® certificant

William F . O ’ Donnell Financial Adviser

640 George Washington Highway , Building B , Suite 103 , Lincoln , RI 02865 Phone : 401-276-7401 wodonnell @ ft . newyorklife . com www . wfodonnell . com

Where are you getting your financial advice ? Newspapers ? Magazines ? Websites ? Cable TV ? While financial media can often provide helpful information , I believe that it cannot take the place of the personalized advice an experienced financial adviser who is familiar with your particular situation can offer .

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 .

FIVE STAR 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 client ’ s 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 client ’ s 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 . 624 Rhode Island-area wealth managers were considered for the award ; 151 ( 24 % of candidates ) were named 2021 Five Star Wealth Managers . 2020 : 614 considered , 132 winners ; 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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