Craig Alan Garner

Robert Ellis is a CFP®-certified financial advisor with 24 years of industry experience. He is the principal of Amherst Financial Group, LLC, which he founded in 2021, and has also worked with LPL Financial since 2012. In addition to his advisory work, Ellis serves as an on-call volunteer firefighter with the Amherst Fire Department. Amherst Financial Group provides asset management and financial planning primarily to individual and small-business clients, offering tailored investment strategies ranging from income preservation to aggressive growth. The firm integrates a broader set of affiliated financial services, including insurance, mortgage brokering, and tax preparation, to deliver a comprehensive approach beyond traditional portfolio management.

Ryan Flynn is a financial advisor and business planning strategist helping business owners, executives, and high-earning professionals create clarity, structure, and long-term confidence in their financial lives. He navigates personal financial planning with the realities of running and scaling a business. His approach is simplifying complexity. Clients come to him because they’re navigating growth, life transitions, rising income, or retirement and want a financial plan that ties together everything from cash flow and tax strategy to retirement income and business succession. Ryan focuses on aligning personal and business goals, identifying blind spots, and developing plans that help clients use their money intentionally. His work includes business evaluations, benefit and retirement plan analysis, cash flow structuring, tax-efficient income planning, legacy considerations, and coordinated strategies that blend financial, business, and personal priorities. Ryan is known for his clear communication, level-headed guidance, and ability to explain financial decisions in a way that feels actionable rather than overwhelming. Rooted in collaboration, partnering with CPAs, attorneys, and other advisors he ensures clients have a complete, coordinated support team. Ryan’s priority is giving clients financial confidence, developing a financial plan for their specific needs, no matter the stage of life or business. Baystate Financial does not provide qualified business valuations. For a qualified or certified business valuation, consult a properly credentialed appraiser. Neither MML Investors Services, LLC nor any of its subsidiaries, employees or representatives are authorized to give legal or tax advice. Consult your own personal attorney legal or tax counsel for advice on specific legal and tax matters. Ryan is a registered representative of and offers securities and investment advisory services through MML Investors Services, LLC. Member SIPC (www.SIPC.org). Supervisory address: Baystate Financial One Marina Park Drive, 16th Floor Boston, MA. Phone number: 617‐585‐4500. Ryan is licensed to sell Insurance products in the following jurisdictions: CA, CO, CT, KY, MA, ME, NC, NH, NY, NC, SC, TX, UT, VT Ryan is licensed to sell securities products in the following jurisdictions: CA, CT, KY, MA, NH, NJ, NY, SC, VT Ryan cannot communicate with, nor respond to requests from users who reside in jurisdictions where we are not licensed to conduct insurance and/or securities business. CA Insurance LIC#: 4371139 | State of Domicile: NH

David Hunt Jr. is a CFP® and CFA® with 16 years of industry experience, currently serving as the sole advisor at Applied Capital Management, LLC. He has worked at LPL Financial since 2020 and has been affiliated with Applied Capital Management, Inc. since 2015. Applied Capital Management provides comprehensive financial planning and consulting services to individuals, trusts, estates, and small businesses. The firm emphasizes written financial plans and ongoing consulting, supporting a large client base with customized plans developed through detailed client engagement and fundamental analysis.

Anthony Chen is an independent financial advisor at Honorable Financial Services, LLC with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked concurrently at ClearCost Health since 2014, where he serves as a quality assurance manager developing healthcare software. Prior to and during this time, he has also been associated with Transamerica Financial Advisors, Inc. and World Financial Group, Inc. Honorable Financial Services is a small, state-registered independent advisory firm serving primarily individual clients, especially lower- to middle-income individuals and families. The firm offers discretionary portfolio management and ongoing financial planning focused on retirement and life transitions, utilizing a long-term, passive ETF asset-allocation strategy implemented through the Betterment platform.

Edward Murray is a ChFC® credentialed advisor with 27 years of industry experience. He has led Family Investment Advisory, LLC since 2011 and has been involved in his own advisory and compensation architecture businesses since 1981. He is also a licensed insurance agent specializing in long-term care insurance, maintaining this role since 2008. Family Investment Advisory, LLC provides portfolio management services to individuals, trusts, and estates, focusing on diversified asset allocation and fundamental analysis. The firm develops individualized, discretionary portfolios and conducts regular reviews to adjust holdings based on client objectives and risk tolerance.

Scott Stratton is the sole advisor at Stratton Capital Management, LLC, an independent firm based in Bedford, NH. He holds Series 63 and Series 65 licenses and has 25 years of industry experience. In addition to his advisory work, Stratton has been employed as a pilot for Federal Express Corporation since 1987 and is affiliated with the Airline Pilots Association International. Stratton Capital Management provides discretionary investment supervisory services to individual and high-net-worth clients, managing portfolios that include mutual funds, equities, bonds, ETFs, REITs, and government securities. The firm employs a combination of charting, fundamental, technical, and cyclical analysis, using both long-term and short-term trading strategies, and manages all assets in-house with a small client base.