Charles Levin is the sole advisor at Levin Financial Planning in Wayland, MA, holding a Series 65 license with 20 years of industry experience. He has led his independent firm since 2004, providing fee-only, hourly financial planning and investment advice. Levin Financial Planning serves individuals, families, small businesses, and retirement or profit-sharing plans using a fundamental, long-term buy-and-hold investment approach primarily with low-cost index funds and ETFs. The firm is notable for advising pension or profit-sharing plan clients despite being a solo, hourly-planning practice and is currently winding down operations and not accepting new clients.

Penelope Tzougros is a financial advisor with Wealthy Choices (R) LLC, holding the ChFC® designation and Series 63 license, with 39 years of industry experience. She has worked with Wealthy Choices since 2005, alongside roles at LPL Financial and Bay Financial Advisors. In addition to advisory work, she is an author of books related to financial education. Wealthy Choices provides personalized, fee-based financial planning and investment advice to individuals, families, and small businesses, focusing on areas such as cash-flow management, insurance review, retirement and estate planning, and education funding. The firm uses a discovery-driven planning process supported by fundamental and technical analysis, with compensation structured through hourly, project, and retainer fees, while clients retain control over implementation.

Narendra Kapadia is the sole advisor at Value Financial Services Corp. in Chelmsford, MA, holding Series 63 and Series 65 licenses with 21 years of industry experience. He has been with Value Financial Services since 2000 and is also the owner and president of Value Mortgage Corporation, a mortgage origination and processing business he founded in 1996. Value Financial Services provides discretionary investment management and comprehensive financial planning to individuals, high net worth persons, trusts, estates, and small businesses. The firm offers customized portfolios and employs a long-term, personalized approach with flexibility to adjust holdings based on market conditions or client objectives.

Linda Taylor is a financial advisor with Carlisle Financial Group, LLC, holding a Series 65 designation and 14 years of industry experience. She operates as the sole advisor at her independent firm based in Carlisle, MA. Carlisle Financial Group provides portfolio management and financial consulting services to individual clients, focusing on passive, index-based investment strategies primarily through mutual funds and ETFs. The firm emphasizes asset allocation and cost efficiency, offering retirement planning and as-needed financial advice alongside portfolio management.

I help busy parents get organized and feel confident with careful, smart, and custom advice so that you can enjoy life now and grow your money for the future. I work closely with only a small number of clients to provide year-round financial planning and wealth management. Together, we define your goals and implement a plan to reach them successfully. I am not like any other advisor: ☑️ I focus on you: your time, energy, dreams, and goals. Not your portfolio. ☑️ I work with parents with kids still at home, so I understand your situation. ☑️ I only work with a small number of clients, so that I am available for email and phone calls when something comes up and you need me. ☑️ I monitor your financial plan, your net worth, savings goals, tax planning opportunities and more, to ensure that you stay on track throughout the year. ☑️ I provide year-round financial planning, sending you updates on your plan and important action items just when you need them. ☑️ I do not charge based on your net worth, or assets invested with me and have no minimums fees. 100% of my income comes from my clients, so whom do you think I work for? By creating important habits, setting the correct path, and giving year-round support, together we ensure your successful financial future. Schedule a friendly conversation to feel the difference today. When I’m not helping people achieve their wildest dreams, I love chatting about technology, start-ups, finances, markets, running, spiritual well-being, and many other topics. Gaining and sharing knowledge with friends brings me endless joy.

Catherine Ryan is a CFA charterholder with 18 years of industry experience. She has been the sole advisor at Cedar Rock Investment Advisors since 2006. Cedar Rock Investment Advisors offers investment counseling and portfolio management to individuals and trusts, including charitable remainder and income-only trusts. The firm’s investment approach is based on academic research emphasizing asset allocation, low-cost instruments, and careful liquidity management, combining broad market core holdings with tactical positions informed by fundamental and behavioral analysis.

Barbara Duffield is the principal of Duffield Financial Group in Concord, MA, with 47 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at FSC Securities Corporation and OSAIC, alongside operating her own financial planning practice since 1981. She maintains an insurance broker’s license but has not sold insurance products in over 15 years. Duffield also serves on the finance committee of her condominium association, providing financial oversight and budget assistance. Duffield Financial Group offers pension consulting, investment consulting, and financial planning primarily to pension and profit-sharing plans, trusts, endowments, and select high-net-worth individuals. The firm emphasizes plan-level institutional clients and employs a fundamental, long-term buy-and-hold investment approach, with non-discretionary agreements and fee structures typically based on fixed or hourly rates.

Ryan Lee Young is a financial advisor at Philosophe Financial in Wayland, MA, holding Series 63 and Series 65 licenses. His professional background details beyond these credentials are not specified. Philosophe Financial offers fee-only financial planning and non-discretionary investment advisory services to individuals and households, focusing on written financial plans, portfolio construction, and asset allocation. The firm utilizes hourly and pre-purchased planning arrangements, maintains a fiduciary standard, and provides tailored advice without discretionary trading authority.

Beth Lundberg is a CFP® and Series 65-registered financial advisor with five years at Hawthorne Wellman Financial Planning, LLC and a total of three years in the industry. Her prior experience includes roles at Hawthorne Wellman, LLC and Zeiders Enterprises, as well as self-employment. Outside of her advisory work, she dedicates time to an outside media project, a podcast. Hawthorne Wellman Financial Planning, LLC is a fee-only, state-registered investment adviser serving individuals, couples, and families with comprehensive financial planning and discretionary portfolio management. The firm employs an evidence-based, factor-driven, globally diversified, and cost-conscious investment approach tailored to clients’ tax situations, risk tolerances, and life goals.

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?

Celeste Gilbert is a financial advisor at C.J. Gilbert Financial LLC in Weston, MA, holding a Series 65 designation with six years of industry experience. She previously worked for four years at J.W. Swenson Investment Counsel. C.J. Gilbert Financial LLC is an independent Massachusetts-registered investment adviser serving individuals, high-net-worth clients, trusts, and IRAs. The firm employs an exclusive sub-advisory model, implementing portfolios through independent managers and overseeing approximately $27 million in discretionary assets as a solo practitioner.

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 three years of industry experience. He is the principal advisor at Sheltered Garden Financial Group LLC, where he has worked since 2025. Prior to founding his current firm, he held roles at Creegan & Nassoura Financial Group, MutualOne Bank, and Brookline Bank. Sheltered Garden Financial Group LLC provides discretionary investment management, comprehensive financial planning, and investment consulting primarily to individuals, high-net-worth individuals, trusts, and estates. The firm employs a fundamental-analysis, long-term investment approach with portfolios concentrated in individual stocks and bonds, supplemented by ETFs and low-cost mutual funds.

Carl Smith is the sole advisor at CJS Financial Advisers, holding Series 63 and Series 65 credentials with 31 years of industry experience. His career includes roles at Newbridge Securities Corp and Primex, alongside multiple periods at CJS Financial Advisers since 2012. Outside of advisory work, he is a licensed real estate sales associate and co-owner of a family landscaping service. CJS Financial Advisers serves institutions, corporations, trusts, and similar entities by providing investment advisory and financial planning services, often acting as a solicitor to other advisers. The firm customizes client relationships through investment policy statements and manages accounts using both active and passive strategies across various asset classes, occasionally acting as a direct advisor via Folio Institutional.

Oleg Litvinenko is a CFA charterholder and Series 63 licensee with five years of industry experience. He has worked at Meeting House Capital, LLC since 2020 and previously at Cobblestone Capital Advisors, LLC from 2016 to 2020. Meeting House Capital provides discretionary portfolio management, integrated financial planning, and investment consulting primarily to individuals, trusts, estates, and other registered investment advisers. The firm employs a long-term, fundamental-analysis driven investment approach, tailoring portfolios to client goals and risk tolerance while utilizing a mix of individual stocks, mutual funds, ETFs, bonds, and REITs.

Andrew Sullivan is a CFP® professional with 28 years of industry experience. He has worked at CIO Wealth Management, Inc. since 2021 and previously spent 12 years at LPL Financial, LLC. CIO Wealth Management serves individuals, high-net-worth clients, families, trusts, businesses, and qualified retirement plan sponsors. The firm offers discretionary investment management, comprehensive financial planning, and qualified plan consulting services, with a focus on customized portfolios and formal fiduciary roles for employer retirement plans.

Daniel Tilton is the principal of Tilton Asset Management in Weston, MA, with 21 years of industry experience. He holds CFP® and Series 65 credentials and has led his independent advisory firm since 2001. Tilton Asset Management provides portfolio management and advisory services to individuals, high-net-worth clients, trusts, and retirement accounts. The firm employs a long-term, Modern Portfolio Theory-based approach using a mix of active and passive funds, emphasizing strategic planning, asset allocation, and tax efficiency, while also offering coordination with an affiliated CPA practice for tax preparation and planning.

Daniel Friel is a CFA® charterholder and principal of JSK Capital Advisors, LLC, an independent registered investment adviser in Waltham, MA. He has 12 years of experience in investment advisory and has operated JSK Capital Advisors since 2013. In addition to his advisory role, he owns and manages Daniel F. Friel CPA, PC, a separate accounting practice to which he devotes more than half of his business time. JSK Capital Advisors serves a concentrated client base of high-net-worth individuals, trusts, estates, and small businesses, providing discretionary portfolio management and financial planning. The firm employs a long-term, fundamentals-based investment approach, utilizing diversified portfolios of low-cost mutual funds and ETFs while accommodating individual securities and legacy positions when appropriate.

Philip Sagan is a CFP® and principal of Philip J. Sagan Financial Consulting, Inc. in Lexington, MA, with 28 years of experience in financial consulting. He has operated his independent advisory firm since 1997 and is also a principal of Sagan & Sagan P.C., a public accounting firm. His firm provides financial consulting and portfolio management primarily for high-net-worth individuals, offering services such as tax planning, retirement and educational planning, and tailored portfolio management. The firm emphasizes personalized advice and periodic reviews, typically recommending diversified allocations including individual equities, mutual funds, and ETFs.