Alan Besterman

James Rose is a CFP® certificant with 21 years of industry experience. He is the sole advisor at Dollar & Sense and has operated Herrick-Rose, Inc., his tax planning and preparation firm, since 1998. His work integrates tax consulting with retirement and investment planning. Dollar & Sense Tax & Financial Planning Services primarily provides tax planning and preparation for individuals and various business entities, offering fee-only financial planning and investment advice focused on no-load mutual funds and ETFs. The firm follows a tax-first model, emphasizing long-term buy-and-hold strategies and asset allocation while encouraging clients to manage their accounts actively.

Phuong Luong is a CFP® professional with eight years of industry experience, operating through her independent firm, Just Wealth LLC in Pittsfield, MA. She has held roles at Adasina Social Capital, Saltbox Financial LLC, Morningstar, and Robasciotti & Associates, Inc. Luong contributes as a curriculum developer for the Boston University Financial Planning Program and serves on Adasina Social Capital’s Stewardship Circle Committee advising on social justice issues. Just Wealth LLC provides discretionary portfolio management and comprehensive financial planning services to individuals, families, and related entities such as small organizations and foundations. The firm employs a largely passive, low-turnover investment approach informed by Modern Portfolio Theory, emphasizing ESG and socially responsible investing, with integrated financial planning and educational services.

Hao Jiang is a financial advisor at East River Capital Management LLC with a Series 65 credential and one year of industry experience. Prior to joining East River Capital Management, he worked at Zhong Lun for eight years and Broad & Bright for four years. East River Capital Management LLC is an independent, fee-only advisory firm serving individuals and entities, including pension and profit-sharing plans, charitable organizations, and municipal government clients. The firm provides tailored financial planning and non-discretionary asset management, combining fundamental, technical, and cyclical analysis, and is notable for its pension consulting services and educational seminars on topics such as value investing and private equity.

Patrick Hanley is a Series 65-licensed financial advisor with Hanley & Associates LLC in Pittsfield, MA, bringing three years of industry experience. His prior work includes roles at The Bulmann Group, Keller Williams Realty, and Pappadeaux Seafood Kitchen. Hanley & Associates serves individual investors, small business owners, and corporate pension and profit-sharing plans, providing financial coaching, retirement-plan fiduciary reviews, and investor education workshops. The firm primarily operates in a non-discretionary capacity and collaborates with third-party portfolio managers who implement model portfolios based on Modern Portfolio Theory.

Wesley Golby is a CFA® charterholder with 11 years of industry experience, currently serving as an advisor at Seven Canyons Advisors, LLC. His prior roles include positions at Acacia Research, Ark Global Asset Management, and Fleckenstein Capital Management. Outside of his financial career, he is the managing member and sole owner of Ramshackle Properties, LLC, a hotel operating business. Seven Canyons Advisors provides discretionary investment management primarily to pooled vehicles and institutional accounts, including registered mutual funds and retirement plans. The firm uses a bottom-up fundamental research process and proprietary screening to build concentrated strategies across its global equity approaches.

Francis Hanley is a financial advisor at Hanley & Associates LLC in Pittsfield, MA, holding Series 63 and Series 65 licenses with 17 years of industry experience. He has been with Hanley & Associates since 2006. In addition to his advisory role, he is a licensed insurance agent offering life, disability income, long-term care, and group insurance. Hanley & Associates serves individual investors, small business owners, and corporate pension and profit-sharing plans by providing financial coaching, consulting, retirement-plan fiduciary reviews, and investor education. The firm typically offers non-discretionary investment recommendations and introduces clients seeking discretionary management to third-party portfolio managers using asset-allocation models based on modern portfolio theory.