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.

Jeffrey Stock is a Series 65-licensed advisor with Stock Financial and Retirement Solutions in Somers, CT. He has one year of industry experience and previously worked at Realta Equities, Inc. and AXA Life and Health Reinsurance US. Stock Financial and Retirement Solutions provides portfolio management and financial planning services primarily to individual and high-net-worth clients, including retirement accounts. The firm utilizes multiple analytical methods and offers both discretionary account management and standalone financial planning services.

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.

Edward Toole is a CFP® professional with one year of industry experience. He is the sole advisor at Toole Financial, an independent advisory firm based in Longmeadow, MA. Prior to founding Toole Financial, he spent ten years working with the YMCA Retirement Fund. Toole Financial provides fee-only, project-based and ongoing financial planning services to individuals, high-net-worth clients, and charitable organizations. The firm emphasizes tailored planning and education, with a focus on Modern Portfolio Theory and passive, asset-allocation recommendations, serving clients without discretionary portfolio management or custody.

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.

John Estrella is a CFP® professional with 14 years of industry experience, operating as the sole advisor at Able Financial Planning, Inc. in West Brookfield, MA. He has been with Able Financial Planning since 2016 and also serves as President of Able Mortgage Inc., supervising mortgage brokerage activities. In addition to financial advising, he is involved in mortgage origination and tax preparation through affiliated businesses. Able Financial Planning provides investment advisory and financial planning services to individuals and institutional clients, including pension plans, foundations, and trusts. The firm manages portfolios using fundamental, technical, and cyclical analyses and offers a range of products and services, including insurance placement, mortgage origination, and tax preparation through affiliated entities.

Sarah Maskill is a CFP® with 18 years of experience in financial planning and investment advice. She has been the principal advisor at Financial Answers, LLC since 2012. The firm provides fee-only, as-needed financial planning, education, and non-discretionary investment advice primarily to individual clients. Financial Answers, LLC emphasizes education and workshops, follows a long-term buy-and-hold investment philosophy using both passive and active strategies, and operates on hourly or fixed fee arrangements without accepting client assets or charging based on assets under management.

Ryan Martin is a financial advisor at Martin Capital Planning in East Longmeadow, MA, with seven years of industry experience. He previously worked at Raymond James Financial Services, Inc., INVUITY Inc., and Hologic Inc. Martin is a licensed insurance agent and holds the Series 66 designation. Martin Capital Planning provides portfolio management, financial planning, and pension consulting services to pension and profit-sharing plans as well as individual and high-net-worth clients. The firm employs a range of analytical methods and offers both discretionary and non-discretionary management, with a notable pension consulting practice that includes plan documentation, manager recommendations, and ongoing monitoring.

Mary Dee is a financial advisor with WPG Advisory Group, LLC, holding a Series 65 designation and 14 years of industry experience. She has been with WPG Advisory Group since 2015 and is also associated with Wealth Preservation Group. Mary maintains an insurance practice alongside her advisory role. WPG Advisory Group provides financial planning and advisory services primarily to individuals and high-net-worth clients, focusing on areas such as financial objectives, cash flow management, tax planning, retirement, and estate planning. The firm acts as a referral advisor, connecting clients to third-party money managers and coordinating advice and implementation without directly managing client assets.

John Verducci is the sole advisor at Verducci Asset Management, Inc. in Agawam, MA, holding a Series 65 designation and bringing 11 years of industry experience. Prior to founding his advisory firm in 2014, he operated Verducci's Vending for over three decades. Verducci Asset Management provides wealth management, investment management, financial planning, and retirement-plan advisory services to individuals, families, and various professional groups. The firm emphasizes customized, long-term portfolios based on fundamental analysis, utilizing primarily low-cost mutual funds and ETFs, and maintains a substantial retirement-plan consulting practice with ERISA-focused services.

Charles Beresford is a CFA® charterholder and holds a Series 65 license with eight years of industry experience. He has been with Long Game Financial, LLC since 2017 and previously worked at Ocean Road Advisors and as a self-employed investor. Long Game Financial provides discretionary investment management and consulting services to individuals, trusts, corporations, and other business entities. The firm employs a combination of top-down macroeconomic and industry analysis with bottom-up fundamental research to build concentrated portfolios, utilizing a CAM framework and incorporating selective use of leverage and covered options.

Dylan Bond is a financial advisor with Bond Financial Group, Inc. He holds Series 63 and Series 65 licenses and has 20 years of industry experience. He has been associated with Global Financial Private Capital, LLC since 2014 and has worked at Bond Financial Services since 2000. In addition to advisory services, he sells and services fixed annuities, life insurance, and long-term care insurance. Bond Financial Group, Inc. provides financial planning and discretionary investment management to individual and high-net-worth clients, managing approximately $43.9 million in assets. The firm develops individualized investment policies and implements portfolios through selected sub-advisers, offering comprehensive planning that includes retirement, estate, tax, cash flow, insurance, and business planning.

Timothy Giguere is a financial advisor with Richard P. Doleva & Associates, holding a Series 66 designation and 12 years of industry experience. He also owns a tax preparation and accounting firm, Timothy M Giguere, CPA, where he provides tax planning and accounting services. His background includes work with Richard P. Doleva, CPA, and Osaic Wealth, Inc. Richard P. Doleva & Associates provides investment advisory and financial planning services primarily to individual investors, as well as trusts, non-profit endowments, and small business owners. The firm’s approach centers on strategic asset allocation through a mutual-fund program administered by SEI, with an emphasis on long-term holdings and integrated tax and brokerage services.

Lois Heaphy is a Series 65-licensed advisor with 17 years of experience at Heaphy Investments, LLC in Springfield, MA. She serves as president of Executive Administrative Services, Inc., a company that provides bill paying and tax return preparation for clients, though she does not perform the preparation herself. She also acts as trustee or co-trustee for several clients in a limited capacity. Heaphy Investments offers discretionary investment management and portfolio supervision to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities. The firm develops individualized investment policies using both fundamental and technical analysis and provides supplemental administrative and trust-related services through affiliated companies.

Richard Doleva is the principal of Richard P. Doleva & Associates, an independent registered investment adviser based in East Longmeadow, MA. He holds Series 63 and Series 65 licenses and has 31 years of industry experience. Prior to founding his firm, Richard has worked at Osaic Wealth, Inc. and Sagepoint Financial, Inc., and he also operates a CPA practice providing tax preparation and planning services. Richard P. Doleva & Associates provides investment advisory and financial planning services primarily to individual investors, trusts, non-profit endowments, and small business owners. The firm emphasizes strategic asset allocation through a mutual-fund asset-allocation program administered by SEI, focusing on long-term mutual fund holdings with monthly account reviews and annual consultations.

Jeremy Stefanik is a financial advisor at Bond Financial Group, Inc. He holds a Series 65 designation and has been with Bond Financial Group since 2021. Prior to his current role, he worked at Kohl's and Bob's Stores. In addition to his advisory work, he is also licensed as an insurance agent, focusing on fixed annuities, life insurance, and long-term care insurance. Bond Financial Group, Inc. provides financial planning and discretionary investment management to individual and high-net-worth clients, managing approximately $43.9 million on a discretionary basis. The firm uses approved sub-advisers to implement portfolios and offers comprehensive planning services that include retirement, estate, tax, cash flow, insurance, and business planning.

Michael Trombley is a financial advisor with Trombley Wealth Management in Wilbraham, MA, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has worked at LPL Financial since 2016 and has been involved with Ray Trombley Associates since 2009. Trombley is also co-owner of A&C Business Services. Trombley Wealth Management serves individual clients across various wealth levels, as well as retirement plans, trusts, estates, and institutional and charitable clients. The firm provides tailored portfolio management and comprehensive financial planning, utilizing multiple methods of analysis and implementing strategies through third-party managers and model platforms.

Richard Villeneuve is a financial advisor at Pasco Advisors, LLC with 16 years of industry experience. He holds a Series 66 designation and has worked at Pasco Advisors since 2016, following a four-year tenure at Scranton Advisors, LLC. In addition to his advisory role, he operates as an insurance broker specializing in fixed annuities, life, Medicare, health, and long-term care insurance, and owns a tax preparation business, Pasco Tax Advisory Group LLC. Pasco Advisors primarily serves individual clients, including many high-net-worth households, as well as business and corporate clients and small pension plans. The firm offers discretionary portfolio management and financial planning services with a conservative, low-turnover investment approach focused on general securities, mutual funds, and government securities, while assisting clients in selecting third-party managers for alternative strategies.

Edward Heaphy is the principal advisor at Heaphy Investments, LLC, with 16 years of industry experience and a total of 38 years working at the firm. He has served as a private trustee since 1989. Heaphy Investments provides discretionary investment management and portfolio supervision to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities. The firm develops individualized investment policies using both fundamental and technical analysis and manages accounts on a discretionary basis with regular reviews and direct custodian statements.