Richard Edward Cavanagh

Joy joined The Financial Gym in 2017 as a Certified Financial Trainer. She worked with people at every stage of their financial lives. Some were just getting started, some were paying off debt, and others were growing their wealth or planning for big life changes. In each case she helped them make confident, informed choices that fit their own goals. After passing the Series 65 exam in 2024, Joy became an Investment Adviser Representative. She serves clients through Connective Wealth Partners, LLC (“CWP”), an SEC-registered investment adviser that operates The Financial Gym Advisors and Private Wealth Collective as d/b/a names. Joy holds a B.S. in Advertising and Marketing Communications from Johnson & Wales University. Before she started in personal finance, she spent five years at creative advertising agencies, including BBDO New York and Burns Group. She worked on campaigns for household brands such as Mars Chocolate (M&M’s and Dove), Yellow Tail wine, Post Foods and Ricola. Studying what drives people to buy shapes how she thinks about behavioral finance today. She helps clients understand the “why” behind their spending and saving habits, so they can make money decisions with more clarity and confidence. Connective Wealth Partners is an SEC-registered advisory that provides discretionary wealth management and financial planning services to individuals, high-net-worth clients, trusts, and estates. The firm employs a fundamental analysis investment approach with a long-term orientation and manages diversified portfolios including ETFs, equities, bonds, mutual funds, and alternative investments.

Jonathan Kuczmarski is a financial advisor at Efficient Capital Strategies, LLC in Providence, RI, with 12 years of industry experience. He holds Series 65 and Series 66 licenses and has worked previously at WhaleRock Point Partners, LLC and Ameriprise. His firm provides customized, goals-based financial planning, discretionary portfolio management, and advisory consultations for both individual and institutional clients. Efficient Capital Strategies employs a value-oriented investment approach centered on fundamental analysis and offers services including project-based consultations and performance reviews, serving high-net-worth individuals as well as corporate and institutional clients.

Kurt Jamiel is the principal advisor at Income Associates, an independent firm based in Barrington, RI. He holds Series 63 and Series 65 licenses and has 29 years of industry experience. His prior roles include positions at Cetera and Summit Financial Group. Outside of advising, he owns and operates Quiet Keeper LLC, a sales and service business. Income Associates provides discretionary asset management, financial planning, and retirement-plan advisory services to individuals, high-net-worth clients, and businesses. The firm emphasizes client-specific, discretionary investment strategies using a mix of fundamental, technical, and quantitative analysis, often implementing third-party model portfolios and sub-advisors while offering ERISA 3(21) fiduciary services for employer-sponsored retirement plans.

Francis Hacket is the sole advisor at Hacket Asset Management, Inc. in Warwick, RI, holding a Series 63 designation with 33 years of industry experience. He has been with Hacket Asset Management since 1991. Hacket Asset Management provides investment advisory and portfolio management services primarily to individual clients, managing approximately $12.5 million across about 20 client relationships. The firm employs a discretionary, client-specific approach with periodic portfolio reviews and documented trading and oversight practices.

Stacie Skryz is a CFP® professional with nine years of industry experience, currently serving as the sole advisor at Lechner Associates since 2014. She is based in North Attleboro, MA, and focuses on comprehensive financial planning and wealth management. Lechner Associates is an independent, fee-only firm that serves approximately 125 clients with $94 million in assets under management. The firm provides non-discretionary portfolio management tailored through fundamental analysis and retirement modeling, offering both ongoing wealth management and hourly financial consultation services.

Steven Antunes is a CFP® professional with six years of experience in financial advisory roles. He is the sole advisor at GrowthFocus Wealth Management LLC in Swansea, MA, where he has worked since 2020. His prior experience includes positions at CITIZENS Bank and SK Wealth Management, LLC. GrowthFocus Wealth Management is an independent, single-advisor registered investment adviser serving individual and high-net-worth clients. The firm employs a long-term, fundamental analysis approach using primarily low-cost, diversified mutual funds and ETFs, with portfolios customized to client goals and risk tolerance.