Jonathan Harris, ChFC®

My father was a primary care physician who privately practiced in Northern Rhode Island. I grew up watching the connection he had with his patients and that level of trust and caring resonated with me. I knew medicine wasn’t for me but I was excelling in economics and finance and decided to pursue my strengths in that industry. Now that I have my own practice, I like to think I have the same connection with my clients that my father had with his patients.

I entered the investment business in 1989 working for The Equitable, becoming a Regional Manager in 1994. I established Black Point Wealth Management, Inc. in 1999 and am currently Managing Director of the firm. I understand that in this business, you need to have a holistic view of your client’s life in order to best plan for their future and find the right investment strategy suitable for their long-term plans.

I am a chairman of the Portsmouth Pension Oversight Committee and former Vice Chair for the Portsmouth School Committee. I coached lacrosse for Portsmouth Youth Lacrosse for 8 years while my boys were in the league. I love being able to help in community organizations where I can lend a hand.

I live in in Portsmouth, Rhode Island with my wife, Elizabeth, and our two children, Nate and Langdon. Elizabeth is an English teacher in a public high school in Rhode Island and has a singing voice that would put most American Idols to shame.

Both of my sons are showing an interest in the finance business and I am putting them to work! They are both coming in and helping with entry-level assignments around the office. I’m sure you know that kids of their generation are skillful with technology, but we are teaching them communications, people-skills and business organization. Let’s just say it’s a symbiotic relationship. Who knows, after college, the Harris boys may have a bigger role here.

Jon’s acquired industry designations, certifications, and licensing include:

  • Accredited Investment Fiduciary (AIF)
  • Chartered Financial Consultant (CHFC), American College, Bryn Mawr, PA
  • Chartered Life Underwriter (CLU)
  • General Securities Registered Representative (FINRA Series 7)*
  • General Securities Principal Examination (FINRA series 24)*
  • Uniform Securities Agent (FINRA series 63)*
  • Uniform Investment Advisor (FINRA series 65)*
  • Investment Adviser Representative*
  • Life, Health & Variable Life Insurance License

*Through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser

Summit Club



Jonathan Harris is proud to have been recognized as a Summit Club advisor for 2022—a distinction based on annual production that places him among the top 19 percent of advisors affiliated with Commonwealth Financial Network.

Each year, Commonwealth, the broker/dealer–RIA that helps us process investment transactions on your behalf, recognizes Summit Club advisors by inviting them to an exclusive gathering of their peers, leading industry experts, and Commonwealth home office staff. Summit Club advisors benefit from an intensive learning and networking experience designed to help them hone their expertise, share best practices, and provide ever-higher levels of service, education, and leadership to their clients.

Daniel Beaudette, CRPC®

After graduating from the University of Rhode Island with a degree in finance and management, I started my own business as the president of a franchised video rental store, which became Blockbuster Video. For over 22 years, my team and I grew that store into a six-store chain in southeastern Massachusetts. After realizing the needs of my employees and other small business owners, I transitioned into the financial services industry to help these individuals create, implement, and monitor their financial plans.

Dan’s acquired industry registrations, certifications, and appointments include:

  • Chartered Retirement Planning Counselor (CRPC)
  • General Securities Registered Representative (FINRA Series 7)*
  • NASAA Uniform Combined State Law (FINRA Series 66)*
  • Investment Adviser Representative*
  • Life, Health & Variable Life Insurance License

*Through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser.

I have lived in Rhode Island my entire life. After several years at a national brokerage firm in Providence, I made the “big move” from the Blackstone Valley to Aquidneck Island to join Black Point Wealth Management in December 2012. I am now one of the happy residents of the beautiful island of Jamestown.

My wife, Estelle, and I met in the fourth grade, and we have two daughters. Lauren followed me into the world of finance, and works for a private equity firm in San Francisco. Nicole followed me to URI, where she recently graduated as a pharmacist. I couldn’t be prouder of all they have accomplished!

During my free time, I volunteer as president of the local alumni housing corporation at URI’s Lambda Chi Alpha fraternity, where I mentor undergraduate students. For over six years, I have participated in Big Brothers of RI. I truly hope my mentee, Noah, has gained as much as I have from our relationship. I like to golf, but golf doesn’t always like me! I am a member at Pawtucket Country Club. This year, I began “running.” I use the term loosely…more like jogging. But I’ve completed three half-marathons! Can a full marathon be in the future? I’ll keep you posted.

My team and I are excited to meet with you to decide if we are a good fit! We will explain our strategies, discuss the factors involved with managing risk, and review the expense for our guidance. If you are interested in discussing your financial goals with us, please contact me directly at (401) 264-4004, or email at [email protected].

Rachael DuFault

I joined Black Point Wealth Management in February 2005 as an Advisor's Assistant and Life Insurance Specialist. I handle all the admin and office requirements as well as keeping us up to date with Commonwealth Financial Network’s compliance regulations. 

Previously, I worked for a large regional bank in the investment services department. I was glad to be able to come to Black Point to focus my energy on servicing our clients and helping answer frequently asked questions.

I live in Tiverton, RI with my husband Paul and my son Nick. I am proud that my grown daughter Samantha is attending college in New York and studying Industrial Engineering.

In my spare time you can find me working out, shopping, and at the beach in the summer.

Rachael’s industry registrations include:

  • Investment Company and Variable Contracts (FINRA Series 6)*
  • Uniform Securities Agent (FINRA Series 63)*
  • Life, Health & Variable Life Insurance License*

*Through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser

Christy Raines

I have a genuine interest in the financial welfare of my clients, helping them prepare for major financial milestones and each moment in between. MY knowledge of financial, investment, retirement, business, and estate planning is substantial, as is my ability to apply my personal insight to my clients’ goals and challenges.

I began my career in financial services working in the Private Wealth Management division of Goldman Sachs in Philadelphia, PA. Seeking to be an independent advisor and working with a variety of clients, I departed Goldman and moved to Boston, MA, where I focused on the due diligence and research of investment managers while obtaining the CFP® certification.

Prior to working in the financial services industry, I was an auditor in financial services for PricewaterhouseCoopers in Chicago, IL. I graduated from the University of Notre Dame with a degree in Accountancy. I was also a Division I Varsity Rower at Notre Dame.

My husband, Major Chris Raines, USAF, and I spend much time outdoors cycling, running, skiing, snowshoeing, hiking, mountain biking, and competing in all sorts of races and competitions. We live in Newport, RI with our 2 young daughters: Hannah and Kelly.

Christy's acquired industry registrations, certifications, and appointments include:

  • Accredited Investment Fiduciary®
  • General Securities Registered Representative (FINRA Series 7)*
  • NASAA Uniform Combined State Law (FINRA Series 66)*
  • Investment Adviser Representative*
  • Life, Health & Variable Life Insurance License
  • LTC Partnership Certification

*Through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser.

Nate Harris


I am a student at Baylor University in Texas where I am studying Business. I have worked as an intern in my dad's firm for several years and have grown up around the wealth management and advisory business my entire life. My career goal is to continue in the family business and join Black Point Wealth Management after graduating from Baylor. Some of my passions are sports - in particular hockey, which I played through high school as a goalie. I do play golf as well, but I would never brag about my score because it's not very good, but I enjoy being outdoors and meeting new people when playing. I look forward to becoming an advisor in the near future and to service clients and families of Black Point in the years to come.