Melissa Mason is a financial advisor at Cascade Wealth Management Solutions Inc. in Pittsfield, MA, with one year of industry experience. She holds the Series 65 designation and has previously worked at Berkshire Retirement Strategies. Outside of advising, Mason owns and operates Shire Virtual Admin, providing administrative clerical services. Cascade Wealth Management Solutions provides discretionary asset management and financial planning to high-net-worth individuals, managing approximately $16.6 million in assets. The firm emphasizes fundamental analysis and personalized client profiles to guide investment decisions, conducting quarterly reviews and offering portfolio customization without outsourcing investment selection or proxy voting.

Stephen Galib is the principal advisor at Stephen P Galib CRPC in Pittsfield, MA, holding a Series 65 designation with seven years of industry experience. He has a long-term engineering career at General Dynamics Mission Systems and also works as a tax preparer for Giardina & Bresett PC. His firm provides financial planning and investment advice to individuals and related estates and trusts, focusing on diversified allocations to mutual funds and ETFs based on client goals and risk tolerance. The practice does not manage client assets directly and uses an hourly billing model, emphasizing strategic allocation with limited discretionary authority.

Patrick Hanley is a Series 65-licensed financial advisor with Hanley & Associates LLC in Pittsfield, MA, bringing three years of industry experience. His prior work includes roles at The Bulmann Group, Keller Williams Realty, and Pappadeaux Seafood Kitchen. Hanley & Associates serves individual investors, small business owners, and corporate pension and profit-sharing plans, providing financial coaching, retirement-plan fiduciary reviews, and investor education workshops. The firm primarily operates in a non-discretionary capacity and collaborates with third-party portfolio managers who implement model portfolios based on Modern Portfolio Theory.

Shannon Clark is a CFP® practitioner with 10 years of industry experience. She is currently with The Alchemists, LLC, where she has worked since 2026. Prior to this, she held roles at Kestra Advisory Services LLC, Nicollet Investment Management, Inc., and Wilkerson Resource Advisors, LLC. The Alchemists, LLC provides portfolio management, financial planning, and retirement plan consulting to individuals and businesses. The firm follows a passive, long-term asset allocation approach based on Modern Portfolio Theory and offers both discretionary portfolio management and standalone financial planning services.

Matthew Sauer is a financial advisor at MDS Wealth Advisors, LLC, holding a Series 65 credential with 20 years of industry experience. He is also the founder, president, publisher, and chief investment officer of Mutual Fund Investor Guide, LLC, a subscription-based financial publication providing educational and analytical content. Sauer practices law and occasionally offers related advice or products to clients outside of his advisory role. MDS Wealth Advisors offers discretionary portfolio management and investment advisory services to individuals, including high-net-worth clients, as well as pension and profit-sharing plans. The firm employs a long-term trading approach, utilizing fundamental, technical, cyclical, and quantitative analyses alongside modern portfolio theory to guide investment decisions.

Margaret Koosa is a financial advisor with The Alchemists, LLC in Stamford, VT, holding Series 63 and Series 65 credentials and 14 years of industry experience. Her prior roles include positions at Brookwood Investment Group LLC and Belpointe Asset Management, LLC. She also works as an independent insurance agent outside of her advisory practice. The Alchemists, LLC provides portfolio management, financial planning, and retirement plan consulting to individuals and businesses, emphasizing a passive, long-term asset allocation approach based on Modern Portfolio Theory. The firm offers discretionary portfolio management with ongoing planning services and conducts regular client education workshops.

Francis Hanley is a financial advisor at Hanley & Associates LLC in Pittsfield, MA, holding Series 63 and Series 65 licenses with 17 years of industry experience. He has been with Hanley & Associates since 2006. In addition to his advisory role, he is a licensed insurance agent offering life, disability income, long-term care, and group insurance. Hanley & Associates serves individual investors, small business owners, and corporate pension and profit-sharing plans by providing financial coaching, consulting, retirement-plan fiduciary reviews, and investor education. The firm typically offers non-discretionary investment recommendations and introduces clients seeking discretionary management to third-party portfolio managers using asset-allocation models based on modern portfolio theory.

Matthew Cowie is a financial advisor with MDS Wealth Advisors, LLC in Williamstown, MA, holding a Series 65 designation and 10 years of industry experience. He has been with MDS Wealth Advisors since 2015 and is also associated with Mutual Fund Investor Guide, LLC. The firm provides discretionary portfolio management and investment advisory services to individuals, including high-net-worth clients, as well as pension and profit-sharing plans. MDS Wealth Advisors employs a long-term trading approach using fundamental, technical, cyclical, and quantitative analysis alongside modern portfolio theory.

William Bresett Jr. is a financial advisor at Financial Transparency with 24 years of industry experience. He holds a Series 66 designation and has worked at Envision Financial Transparency, LLC since 2018, following prior roles at Cssc Brokerage Services, Inc. and CSSC Insurance Services, Inc. He is also an owner and officer of Giardina & Bressett, a certified public accounting firm providing tax planning, accounting, auditing, and business consulting services. Financial Transparency offers investment advisory and financial planning services to individuals, families, retirement plans, businesses, and other organizations through a network of independent advisory representatives. The firm employs an investment approach based on Modern Portfolio Theory and the Efficient Market Hypothesis, utilizing both passive and active strategies tailored through programs ranging from entry-level to customized managed accounts.

Zachary Marcotte is a financial advisor at Berkshire Money Management, Inc. with 12 years of industry experience. He holds the Series 65 designation and has been with Berkshire Money Management since 2007. Berkshire Money Management is an SEC-registered advisory firm with an eight-advisor team managing over $1 billion for individuals, high-net-worth clients, retirement plans, trusts, and other entities. The firm provides discretionary portfolio management, financial planning, and consulting services, emphasizing client-specific strategies and diversified portfolios that include mutual funds and ETFs.

Brendan Bullett is a financial advisor at Berkshire Money Management, Inc. with 24 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked for MountainOne Bank and Commonwealth Financial Network for 15 years. Berkshire Money Management is an SEC-registered advisory firm with a team of 10 advisors serving individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and businesses. The firm offers portfolio management, financial planning, and specialized services such as college planning and coordination of tax preparation and trust administration, using a discretionary approach guided by macroeconomic indicators and employing a range of mutual funds, ETFs, equities, and fixed-income securities.

Peter Gagne is a financial advisor at Berkshire Money Management, Inc. He holds a Series 66 credential and has 11 years of industry experience. Prior to joining Berkshire Money Management in 2025, he worked at Commonwealth Financial Network and Pioneer Valley Financial Group, among other firms. Berkshire Money Management is an SEC-registered advisory firm with an eight-advisor team managing over $1 billion for individuals, high-net-worth clients, retirement plans, trusts, and other entities. The firm provides discretionary portfolio management, financial planning, a fixed-fee college planning service, and coordinates tax-preparation services through an unaffiliated provider.

Scott Little is a financial advisor with Berkshire Money Management, Inc. in Dalton, MA. He holds a Series 65 designation and has 17 years of industry experience. He has been with Berkshire Money Management since 2002. Berkshire Money Management is an SEC-registered advisory firm with an eight-advisor team managing over $1 billion for individuals, high-net-worth clients, retirement plans, trusts, and other entities. The firm offers discretionary portfolio management, financial planning, and consulting, emphasizing no-load or load-waived mutual funds and ETFs, and incorporates global economic indicators into asset allocation decisions.

Michael O'Brien is a financial advisor at Berkshire Money Management, Inc. He holds a Series 65 credential and has one year of industry experience. Prior to joining Berkshire Money Management, he worked at Berkshire Fairfield Insurance Agency and held various roles in education and community organizations. Berkshire Money Management is an SEC-registered advisory firm with an eight-advisor team managing over $1 billion for individuals, high-net-worth clients, retirement plans, trusts, and other entities. The firm offers discretionary portfolio management, financial planning, and a fixed-fee college planning service, developing client-specific strategies that emphasize mutual funds and ETFs across diversified asset classes.

Thomas Giardina is a financial advisor at Financial Transparency with 24 years of industry experience. He holds a Series 66 designation and has worked at firms including Envision Financial Transparency and CSSC Brokerage Services. Giardina is also president of Giardina & Bressett, a CPA firm providing financial statement and income tax preparation services. Financial Transparency offers investment advisory and financial planning services to individuals, families, businesses, and retirement plans through a team of independent advisory representatives. The firm employs asset allocation strategies based on Modern Portfolio Theory and the Efficient Market Hypothesis, using both passive and active models tailored to client needs.

John Bielski Jr. is a financial advisor at Berkshire Money Management, Inc. with 22 years of industry experience. He holds a Series 65 designation and has worked at Berkshire Money Management since 2018, following an 11-year tenure at Atlas Private Wealth Management, LLC. Berkshire Money Management is an SEC-registered advisory firm with an eight-advisor team managing over $1 billion in assets for individuals, high-net-worth clients, retirement plans, trusts, and other entities. The firm provides discretionary portfolio management, financial planning, and consulting services, emphasizing client-specific strategies and diversified portfolios that include mutual funds and ETFs.

Peter Coughlin is a financial advisor at Berkshire Money Management, Inc. with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Berkshire Money Management since 2016, following a year at Wells Fargo Advisors. Coughlin is a limited partner with a 20% ownership interest in the Coughlin Family Limited Partnership. Berkshire Money Management is an eight-advisor SEC-registered firm managing over $1 billion for individuals, high-net-worth clients, retirement plans, trusts, and other entities. The firm provides discretionary portfolio management, financial planning, and consulting services, focusing on client-specific strategies that emphasize mutual funds and ETFs across equities, fixed income, and other instruments.

Allen Harris is a financial advisor at Berkshire Money Management, Inc. with 21 years of industry experience. He holds the Series 65 designation and has been with Berkshire Money Management since 2001. Berkshire Money Management is an SEC-registered advisory firm with an eight-advisor team managing over $1 billion for individuals, high-net-worth clients, retirement plans, trusts, and other entities. The firm offers discretionary portfolio management, financial planning, and consulting services, employing client-specific strategies that emphasize no-load or load-waived mutual funds and ETFs across diversified asset classes.

Lauren Beckett is a financial advisor at Berkshire Money Management, Inc. with eight years of industry experience. She has been with Berkshire Money Management since 2018 and previously worked at Berkshire County ARC and UMASS Amherst. Lauren holds a Series 65 license. Berkshire Money Management is an SEC-registered advisory firm with a team of 10 advisors serving individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and businesses. The firm offers portfolio management and financial planning services, using a discretionary investment approach guided by macroeconomic indicators and tailored to clients’ goals and risk profiles.

Carlos Lluch is a CFP® with 35 years of experience in the financial services industry. He has worked with LPL Financial since 1996 and has been with Perennial Financial Services since 2017. In addition to his advisory role, he operates an insurance agency, Insurance Options, which he has been involved with since 1989. Perennial Investment Advisors provides investment management, financial planning, and retirement plan consulting to individual, trust, pension, and corporate clients. The firm utilizes a range of investment strategies tailored to client goals and integrates advanced technology, including AI tools and multi-custodian platforms, managing approximately $2.5 billion in discretionary assets.