Greetings! If you've built significant income and wealth but find yourself asking "when does it actually become enough?" - you're in the right place. We work with high-income professionals who are done with the default earn-more path and ready to define what financial independence actually looks like for them. Not the traditional retire-at-65 version, but rather the kind that gives you real freedom of choice - to keep building, to downshift, to take a sabbatical, to pursue something that pays less but means more, or simply to know you could walk away if you wanted to. Financial independence means something different to everyone. We help you define what it means for you. Our clients typically navigate complex financial lives: equity compensation (RSUs, ISOs, NSOs, ESPP) that requires careful coordination, business ownership with income variability and tax complexity, or $2M+ in net worth without an integrated strategy pulling it all together. They're growth-oriented and curious about the psychology and assumptions shaping their financial decisions - not just the tactics. We serve as your long-term strategic financial partner - coordinating your income, equity compensation, tax strategy, investments, and major life decisions into one integrated plan built around what matters most to you, not a generic retirement timeline. Our team includes Certified Financial Planners (CFP®), a Chartered Financial Analyst (CFA), and a Certified Financial Therapist (CFT-I™). We bring technical depth, but we believe the most important financial decisions aren't just technical, they're personal. Money reflects your values, your identity, and the trade-offs you're willing to make. We help you get clear on all of it. We've been recognized by Investment News 40 Under 40, Business Insider's Top Financial Planners for Millennials, Financial Advisor Magazine's Top 10 Young Advisors to Watch, and Investopedia's Top 100 Financial Advisors. Founded in 2019 and based in Rhode Island, we work virtually with clients across the country over Zoom - and genuinely enjoy the kids, dogs, and chaos that show up along the way.

Jeremiah Figueroa is a Financial Solutions Advisor (FSA) with Merrill Lynch Wealth Management. In this role, he works closely with clients to understand their financial priorities and develop strategies aimed at achieving their short-, mid-, and long-term goals. Jeremiah provides guidance on a range of financial topics including general investing, retirement planning, and emergency savings. He also facilitates access to specialists in banking, credit, home financing, and small business solutions through Bank of America. Jeremiah holds the Personal Investment Advisor (PIA) designation and earned his bachelor's degree from the Massachusetts College of Liberal Arts. He values building relationships with clients to deliver ongoing advice tailored to their evolving needs. Outside of his professional work, Jeremiah is involved with Awakening Church.

Erik Pelletier is a Financial Advisor with the Carcieri & Bock Group at Merrill Lynch Wealth Management, operating out of Providence, Rhode Island. He draws on his engineering background from the automotive and aerospace & defense industries to provide structured, calculated, and thoughtful financial guidance. Erik applies the analytical rigor and problem-solving skills honed as an engineer to deliver objective and tailored solutions designed to meet clients' unique financial goals. Erik holds dual Bachelor of Science degrees in Mechanical Engineering and German Language from the University of Rhode Island. He is a Chartered Financial Analyst (CFA) and a Personal Investment Advisor (PIA). His expertise spans executive compensation planning, tax-efficient strategies, strategic cash flow management, multi-generational wealth planning, and legacy preservation. He works closely with successful individuals and families, particularly those in science, technology, healthcare, and athletics, providing insightful guidance and transparent feedback in sophisticated investment management. Aside from his professional focus, Erik has extensive international experience, having lived in Germany and Mexico. He remains active in professional and cultural organizations, including the CFA Society of Providence, the German American Business Council of Boston, and the Tau Beta Pi Central Connecticut Engineering Honor Society. His personal interests include cooking, golf, ice hockey, rock climbing, traveling, and spending time with his family.

Stephen Rozzero is a Senior Financial Advisor with Merrill Lynch Wealth Management. He joined the firm in 2007 and serves as a Portfolio Manager, managing personalized and defined investment strategies on a discretionary basis. His approach integrates investment planning and portfolio management, utilizing individual stocks and bonds, Merrill model portfolios, and third-party investment strategies to address client objectives. Stephen holds several professional designations, including the Chartered Retirement Planning Counselor™ (CRPC™) certification from the College for Financial Planning Institutes Corp., as well as certifications as a Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He attended the University of Rhode Island and holds a High School Diploma/GED from School One. Residing and working in Providence, Rhode Island, Stephen has lived in the area most of his life. Outside of his professional work, he enjoys running, particularly long-distance events, and often participates in charitable road races. He also spends time cooking and with his family.

Tim Lynch is an Investment Consultant with over 30 years of experience advising on public markets in the financial industry. He began his investing career nearly 40 years ago as a young Army officer at Fort Knox, Kentucky. Throughout his tenure, he has focused on equities sales, having worked at Bank of America Merrill Lynch from 1993 to 2023. Tim leverages his extensive life experiences and financial knowledge to assist clients in strengthening and securing their financial well-being. Outside of his professional work, he enjoys boating, fishing, fitness, social events with friends, skiing, and spending time with his pets.

Shane Fargo is a Financial Solutions Advisor at Merrill Lynch Wealth Management. In this role, he provides one-on-one financial guidance to help clients define their goals and develop portfolio strategies aimed at achieving those objectives. He offers ongoing advice and adjusts clients' portfolios as their situations evolve. Shane holds the Personal Investment Advisor (PIA) designation. He earned a bachelor's degree from the University of Vermont.

Daniel Humbert is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined the firm in 1991 and has accumulated over 33 years of experience in the financial services industry. Daniel serves as a Managing Director and is a CERTIFIED FINANCIAL PLANNER™ professional, in addition to holding designations as a CERTIFIED PLAN FIDUCIARY ADVISOR, Personal Investment Advisor, and Retirement Accredited Financial Advisor. He is also the founder of HTP & Associates, through which he has provided tailored wealth management services since 1992. Daniel works closely with affluent families, corporate executives, professionals, and business owners to develop customized financial plans that incorporate investment management, retirement and education outlook analysis, insurance strategies, liability management, and trust and estate planning. His team leverages the resources of a large, knowledgeable support staff, managing approximately $1 billion in client assets and liabilities as of early 2020. This approach combines the personalized attention of a boutique setting with the extensive capabilities of a global investment bank. He holds a bachelor's degree from Hofstra University and is affiliated with Merrill Lynch. Daniel is involved in his local community and pursues personal interests including football, golfing, hiking, skiing, swimming, and spending time with his family.

Kristin Matsko is the Director of Advanced Planning at Fidelity Investments, a role she has held since 2024. In this capacity, she provides advanced planning support to Fidelity advisors and their clients. Her professional experience centers on assisting advisors with complex financial planning strategies to better serve their clients. No additional information about her education, credentials, or personal interests has been provided.