Michael Jeffrey Otto

David Martula is a CFP® professional with 21 years of industry experience. He has been the sole advisor at Fee-Only Financial Planning since 1991. Fee-Only Financial Planning serves individual clients, including high-net-worth households, by providing financial planning and discretionary portfolio management. The firm emphasizes a low-cost, buy-and-hold investment approach using no-load mutual funds, tailoring recommendations to clients’ goals and life stages.

Edward Wall is the owner and sole advisor at Pioneer Financial, Inc. in South Hadley, MA, with 20 years of industry experience. He holds the Series 66 designation and has been with Pioneer Financial since 2004. In addition to investment advisory services, he provides tax preparation and accounting through his firm. Pioneer Financial, Inc. offers discretionary portfolio management primarily for individual investors and non-profit organizations, combining investment advisory services with tax preparation and insurance activities. The firm employs a goal-oriented approach using fundamental analysis, ongoing monitoring, and monthly account reviews.

Sean Curran is a financial advisor at USA 401k with Series 63 and Series 65 credentials and three years of industry experience. His background includes roles at Lincoln Financial Securities, municipal positions in Springfield and Washington, and service at the Hampden County District Attorney's Office. Outside of advising, he serves as a Springfield City Councilor and works as an attorney handling real estate closings and misdemeanor motor vehicle cases, as well as a licensed real estate agent representing buyers and sellers of residential properties. USA 401k provides portfolio management and financial planning services to individuals and corporations, along with pension consulting for retirement plans including 401(k)s. The firm employs Modern Portfolio Theory and a long-term trading approach, focusing on equities with fixed income and index funds for diversification.

Thomas Homan is a financial advisor with Momentum Investment Management, LLC in Holyoke, MA. He holds Series 63 and Series 65 designations and has 18 years of industry experience. Homan has led Momentum Investment Management since 2010. Outside of his advisory role, he owns and manages a rental property business. Momentum Investment Management is an independent, single-advisor firm providing discretionary portfolio management and hourly financial planning primarily to individual clients, including high-net-worth individuals. The firm employs a combination of charting, fundamental and technical analysis, and uses derivatives and margin strategies in client accounts, with all portfolio oversight conducted by Homan.

Latimer Eddy is a CFP® professional with 21 years of industry experience, operating under his firm L. B. Eddy since 1993. The firm provides fee-only investment management and occasional financial planning services to individuals, trusts, pension and profit-sharing plans, and charitable organizations. L. B. Eddy manages approximately $15.7 million across nine discretionary client accounts, focusing on a strategic asset allocation approach with global diversification, utilizing primarily no-load or low-load mutual funds, ETFs, stocks, and bonds. The firm is not accepting new clients and is actively transitioning existing relationships while continuing to manage current accounts on a discretionary basis.

Simone Cunningham is a Certified Financial Planner® with 21 years of experience in the industry. She has been with MP Financial Services, LLC since 2009 and is also associated with Moriarty & Primack, PC, a certified public accounting firm. MP Financial Services, LLC provides investment advisory and supervisory services to pension and profit-sharing plans, trusts, estates, charitable organizations, and individual clients. The firm typically employs active discretionary management through selected independent investment managers and offers coordinated tax and investment advice through its affiliation with Moriarty & Primack, PC.