Matthew Palmgren is a financial advisor with Capital Analysts in Worcester, MA, holding Series 63 and Series 65 licenses and 15 years of industry experience. His prior roles include positions at Lincoln Investment Planning, Raymond James and Associates, and Fidelity Investments Institutional Services. He serves on the board of Rutland Youth Soccer, engaging with the local youth soccer community. Capital Analysts provides investment and retirement planning services to individual and institutional clients, offering both discretionary and non-discretionary portfolio management through a nationwide network of independent advisors and in-house teams.

Brett Kubiak is a financial advisor at Capital Analysts with four years of industry experience and a Series 66 designation. Prior to joining Capital Analysts and Lincoln Investment in 2023, he worked at Cambridge Investment Research and Cetera Advisor Networks. In addition to his advisory role, Kubiak has served with the Worcester Police Department since 2016. Capital Analysts serves a diverse client base including individual and high-net-worth investors, trusts, foundations, businesses, and charitable organizations. The firm offers portfolio management, custom and model portfolios, third-party manager access, and retirement-plan advice through a network of independent advisors and its in-house investment management team.

Raymond Clifford Jr. is a financial advisor with Capital Analysts, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. His career includes long-term roles at Lincoln Investment Planning Inc. and The Lincoln National Life Insurance Company, as well as a principal position at Clifford & Reno Insurance Agency. Outside of advising, he is involved as a shareholder in restaurant and pizzeria businesses in Worcester, MA. Capital Analysts serves a diverse client base including individual and high-net-worth investors, trusts, foundations, businesses, and charitable organizations. The firm offers portfolio management and retirement-plan advice through a nationwide network of independent advisors, utilizing both discretionary and non-discretionary investment approaches supported by an in-house research team.

Jay Merrill is a financial advisor at Capital Analysts with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with firms including American General Life Insurance Company and Banner Life Insurance. Merrill is involved in community activities as the treasurer for Paxton Little League and co-owns McGrath & Merrill Associates, an independent financial advisory office. Capital Analysts serves both retail and institutional clients, offering portfolio management, custom and model portfolios, and retirement-plan advice through a nationwide network of independent advisors. The firm provides investment management via an in-house team and third-party managers, leveraging proprietary screening tools and maintaining institutional relationships to support a broad range of investment products.

Sara McGrath is a financial advisor with Capital Analysts in Worcester, MA, holding a Series 66 credential and over 22 years of industry experience. She has worked at Lincoln Investment Planning, Inc. since 2012 and previously at Legend Advisory, LLC from 2005 to 2012. Outside of her advisory role, she serves as the Girls Coordinator for Grafton Youth Lacrosse, managing coaches, schedules, and events. Capital Analysts serves retail and institutional clients, including individual and high-net-worth investors, trusts, and foundations. The firm provides portfolio management, access to third-party managers, and retirement-plan advice through a nationwide network of advisors, delivering both discretionary and non-discretionary investment management supported by an in-house research team.

Angela Casasanto is a Series 66-licensed financial advisor at Capital Analysts with 20 years of industry experience. Her prior roles include positions at Lincoln Investment, LPL Financial, M&T Bank, and Raymond James Financial Services. Outside of her advisory work, she serves as Co-Chair of the Charlton Cultural Council and leads the Massachusetts CSA Leaders Network, a professional group for Certified Senior Advisors. Capital Analysts serves retail and institutional clients such as individual and high-net-worth investors, trusts, foundations, businesses, and charitable organizations. The firm offers portfolio management, access to third-party managers, and retirement-plan advice through a nationwide network, with investment management provided both by an in-house team and outside advisors.

John St Marie Jr. is a financial advisor with Capital Analysts based in Worcester, MA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been self-employed since 1986 and has worked with Lincoln Investment Planning, Inc. since 2012. In addition to his advisory work, he is involved in the sales and service of fixed insurance products, including health insurance and annuities. Capital Analysts serves a diverse client base, including individual and high-net-worth investors, trusts, foundations, businesses, and charitable organizations. The firm provides portfolio management, custom and model portfolios, and retirement-plan advice through a nationwide network of independent advisors and proprietary investment strategies.