Catherine Dee Ryan

My clients are young families and professionals in their 30s-40s who have hit a wall when it comes to managing their finances. They have busy personal schedules, growing careers, and recently introduced financial complexity that’s too much to manage. Questions my clients have include: - How do I prioritize multiple financial goals? - I have some cash saved, but what should I do with it? - I don't understand my taxes, is there more I should be doing? - Should I be saving for my children’s education? - Will I be able to retire on time, and live comfortably once I get there? - I’m self-employed, how should I be planning for my future? - How should I handle my equity compensation? - Do I have enough insurance to protect my loved ones? - How does having a baby impact my financial situation?

William Nickles is the sole advisor at Yellow Dog Financial, Inc., an independent firm based in Bolton, MA. He holds Series 63 and Series 66 licenses and has 18 years of experience in the financial industry, having been with Yellow Dog Financial since its founding in 2008. Yellow Dog Financial, Inc. manages approximately $21.2 million for around 60 clients, including individuals, high-net-worth clients, and employer plan sponsors. The firm employs a goal-based planning process with a focus on passive, benchmark-tracking investments and manages accounts primarily on a non-discretionary basis, combining comprehensive year-long financial planning with ongoing monthly support and retirement plan consulting.

Michael Marchetti is a financial advisor at Lakeview Financial Planning in Shirley, MA, holding a Series 66 credential with nine years of industry experience. His prior roles include positions at Cambridge Investment Research Advisors, Cambridge Investment Research, Inc., and The Professional Alliance, Inc. Outside of advisory services, he manages a retail company through Marchetti Industries LLC. Lakeview Financial Planning offers financial planning and portfolio management services to individuals, high-net-worth clients, and small businesses. The firm uses a goals-based approach with fundamental analysis and Modern Portfolio Theory, favoring globally diversified, tax-efficient, low-cost mutual funds and ETFs, and incorporates third-party managers when appropriate.

Ryan Creegan is a CFP® professional with four years of industry experience. He is the principal advisor at Sheltered Garden Financial Group LLC and has prior experience at Creegan & Nassoura Financial Group, MutualOne Bank, and Brookline Bank. Outside of his advisory role, he works as a commercial credit analyst at a bank and provides tax-preparation services. Sheltered Garden Financial Group serves individuals, high-net-worth clients, trusts, and estates with discretionary wealth management, comprehensive financial planning, investment consulting, and tax-preparation services. The firm’s investment process focuses on fundamental analysis and long-term portfolio construction, primarily using individual stocks and bonds supplemented by ETFs and mutual funds for diversification and tax efficiency.

Joe Hanley is the founder of Nashoba Valley Wealth Management, a fee-only registered investment advisory firm based in Stow, Massachusetts. Joe spent more than twenty-five years as a financial advisor at Fidelity Investments, helping clients plan for retirement, invest, and navigate major financial decisions. In 2025, he founded NVWM to serve clients with the independence, objectivity, and personal attention that a small fiduciary firm makes possible. Joe is a CERTIFIED FINANCIAL PLANNER™ professional and an IRS Enrolled Agent. He holds an MBA from Seattle Pacific University and a BS in Finance from Bryant University. NVWM offers comprehensive and hourly financial planning, investment management, and retirement plan services for employers. Each client’s plan addresses the areas that matter most to them, such as retirement income, tax planning, investments, insurance, estate planning, and charitable giving. Because NVWM is fee-only, its only compensation comes from clients. No commissions or product incentives influence its advice, and NVWM has no account minimum. The result is a practice built on long-term relationships, clear communication, and a commitment to acting in each client’s best interest.

Robert Holzbach is the sole advisor at Red Kennedy Financial in Littleton, MA, with 23 years of industry experience. He holds a Series 65 designation and has worked at H & R Block since 2002. Holzbach also provides contract work involving financial analysis, research, and tax preparation for another independent advisor, and he prepares federal and state tax returns outside of trading hours. Red Kennedy Financial offers fee-only financial planning and advisory services to individuals, families, and small businesses, including pension consulting and 401(k) fiduciary advisory services. The firm provides detailed written plans and non-discretionary investment advice focused on a globally diversified, passive index approach using low-cost mutual funds and ETFs.