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.

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?

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.

Founded in 2025, Nashoba Valley Wealth Management was established to provide comprehensive financial guidance rooted in my 26 years of experience in the industry. This firm was built on the wisdom I've gained over more than two decades of navigating complex markets, offering a sophisticated and seasoned perspective that only comes from years of dedicated practice. As a tenured advisor, I bring a wealth of knowledge from my extensive tenure at Fidelity Investments, where I assisted thousands of clients in reaching their financial goals. While my background involves comprehensive financial planning, my mission now is to apply that decades-long expertise to deeper, personalized relationships. I focus specifically on partnering with pre-retirees and retirees, providing the steady, experienced hand necessary to manage the transition into and through retirement. My philosophy is built on transparency, empathy, and a steadfast commitment to my clients' best interests. By combining my deep professional wisdom with clear communication regarding fees and strategies, I foster an environment of absolute trust. Ultimately, the firm serves as a reliable, long-term partner for those seeking a veteran advisor who is genuinely invested in their lifelong financial success.

Robert Holzbach is the sole advisor at Red Kennedy Financial in Littleton, MA, holding a Series 65 designation with 23 years of industry experience. He has worked at H & R Block since 2002 and also performs contract work for Al Wroblewski, CFP, involving tax preparation, financial analysis, and Excel modeling for Wroblewski’s clients. Holzbach prepares federal and state tax returns outside of trading hours, contributing to 15% of his annual compensation. Red Kennedy Financial provides personalized, fee-only financial planning and advisory services to individuals, families, and small businesses, including pension consulting and 401(k) fiduciary advisory services. The firm emphasizes a globally diversified, passive index investment approach with non-discretionary advice and uses a flat-fee billing model rather than percentage-based fees.

Marina Muehlke is a financial advisor at Holistic Financial Planning LLC in Westminster, Massachusetts, with three years of industry experience. She holds a Series 65 designation and has worked previously at Ferris Capital LLC, Prudence Financial, Inc., and Wingate Wealth Advisors, LLC. Since 2021, she has also served as Investor Relations Director at Cahoon Capital Management, a firm focused on private lending for single-family fix and flip properties in the New England area. Holistic Financial Planning provides comprehensive, project-based financial planning and investment reviews for individual clients outside the high-net-worth category. The firm delivers strategic, non-discretionary investment recommendations and emphasizes client education through seminars and coaching, operating on an hourly, fee-only basis.

Justin Green is a CFP® professional with eight years of industry experience, currently operating as the sole advisor at Assist FP in Berlin, MA. He has worked at Four Ponds Financial Planning LLC and GTM Sportswear, and he also owns Be a Wealthy Coach LLC, a separate business offering CFO, business advisory, tax preparation, and tax planning services to solopreneurs and small businesses. He dedicates approximately 20% of his time to this outside activity. Assist FP provides investment management and comprehensive financial planning services to individuals, the self-employed, and small business owners. The firm combines passive portfolio construction and Modern Portfolio Theory with fundamental analysis, managing accounts through a single-advisor relationship and conducting regular reviews.

Benjamin Ramsey is a CFP® with eight years of industry experience, currently serving as the sole advisor at Faith and Family Wealth Management. Prior to founding his firm, he worked at Crestwood Advisors and Balanced Rock Investment Advisors and had periods of self-employment. Faith and Family Wealth Management provides wealth management and portfolio management services to individuals, high-net-worth clients, trusts, and estates, integrating comprehensive financial planning into ongoing advisory relationships. The firm employs an evidence-based, long-term investment approach focused on diversified portfolios of low-cost ETFs and mutual funds, managing accounts mostly on a discretionary basis while acting as a fiduciary for retirement accounts under ERISA and the Internal Revenue Code.

Louis Conrad is a CFA® charterholder with 21 years of experience in the financial industry. He has been with COMPASS Wealth Management, LLC since 2007 and previously worked at Bickling Financial Services, Inc. in 2021. COMPASS Wealth Management, LLC provides fee-only wealth management, investment management, and consulting services to individuals, families, and institutional clients such as small businesses, non-profits, and retirement-plan sponsors. The firm’s investment approach focuses on strategic asset allocation using no-load mutual funds, ETFs, and separate accounts, with an emphasis on institutional services including pension consulting and fiduciary advisory.

Christopher Ellis is the sole advisor at Think Ahead Financial Planning in Groton, MA, holding a Series 65 designation with one year of industry experience. He has worked at RTX since 1998, bringing a corporate finance and executive background to his financial planning practice. Think Ahead Financial Planning provides fee-only financial planning and investment advisory services primarily focused on customized planning for individuals and families. The firm employs a collaborative process emphasizing a passive, low-cost, tax-efficient index fund approach without managing assets or executing trades.

Kenneth Posco is a CFP® professional with 21 years of industry experience and over 40 years as a CPA. He operates Investment Management Trust, LLC as its sole advisor. In addition to his advisory work, he owns and runs a separate CPA practice providing accounting, tax, and investment advisory services in Fitchburg, MA. Investment Management Trust, LLC provides discretionary investment management, wealth management, and financial planning primarily to middle-income clients, high-net-worth individuals, trusts, estates, and small businesses. The firm focuses on long-term portfolio construction using ETFs, individual stocks, and other instruments, combining fundamental, technical, and cyclical analysis while avoiding commission-based products and speculative investments.

Joseph Somerset is a CFA® charterholder with 20 years of experience in the financial industry. He founded and has operated Beantown Financial Advisors LLC since 2003 and previously worked at Bentley University from 2011 to 2017. Beantown Financial Advisors provides personalized financial planning and investment advisory services to individuals, families, trusts, estates, charitable organizations, pension and profit-sharing plans, and small businesses. The firm focuses on strategic asset allocation and global diversification using primarily no-load and low-load mutual funds and ETFs, offering discretionary investment management and limited-scope hourly planning engagements under written agreements.

Benjamin Thornton is a financial advisor at Unicorn Consulting in Ayer, Massachusetts, with nine years of industry experience. He holds a Series 65 designation and has worked at Unicorn Consulting since 2016 and previously at Dr. Steele Belok, MD from 2013 to 2021. Thornton also operates as an independent insurance agent on a limited basis. Unicorn Consulting provides financial planning and portfolio management primarily to individual clients, using an individualized asset allocation approach with a focus on long-term purchase strategies across various asset classes. The firm manages client portfolios on a non-discretionary basis, requiring client approval for trades and conducting regular account reviews.

Brian Sawyer is the founder and sole advisor of Larchmont Wealth Advisors in Lunenburg, MA, holding a Series 65 credential with 10 years of industry experience. He has managed Larchmont Wealth Advisors since 2015 and also operates Sawyer Automotive, an automotive repair business. Larchmont Wealth Advisors provides financial planning and portfolio management services primarily for individual investors and small businesses. The firm employs a top-down, macro-informed investment approach combined with core-plus-satellite construction and elements of active management, focusing on diversified, tax-conscious portfolios built from low-cost mutual funds, ETFs, and individual securities when appropriate.

Andrea Crowell is a financial advisor at Kearney-Burch Financial Services, Inc. with eight years of industry experience. She holds a Series 65 designation and has been with Kearney-Burch Financial Services and its successor firm since 2005. Kearney-Burch Financial Services, Inc. provides investment advisory services, financial planning, and consultation to individuals, high-net-worth clients, and corporate entities. The firm manages discretionary portfolios using a risk tolerance questionnaire and employs MoneyGuide Pro for planning and portfolio modeling, offering services that include 401(k) advisory and pension consulting.

Adam Sureau is a financial advisor at Okemo Capital Management, LLC with 16 years of industry experience. He holds the Series 66 designation and has been with Okemo Capital Management since 2012. Outside of advising, he is the sole owner and property manager of Brick Capital, LLC, a multifamily real estate business, and is a limited partner in a family planning vehicle that owns a stake in Radant Technologies, Inc. Okemo Capital Management provides investment supervisory services to individual and high-net-worth clients, developing customized Investment Policy Statements and managing diversified portfolios that include mutual funds, equities, fixed income, ETFs, real estate vehicles, hedge funds, private placements, and insurance products. The firm employs a range of strategies from long-term holdings to short-term trading and offers both performance-based and standard fee structures while managing accounts on a discretionary basis.

Bryan Acuto is an advisor at Vital Wealth Strategy, LLC in Princeton, MA, holding Series 65 and Series 63 licenses. He has experience working with Cunningham & Associates, LLC and other firms since 2013, including roles outside the financial advisory industry. Vital Wealth Strategy, LLC provides discretionary portfolio management and comprehensive financial planning to individuals, high-net-worth households, trusts, estates, and charitable organizations. The firm offers family office services and uses a long-term investment approach that includes individual securities, mutual funds, ETFs, and options, supported by fundamental, technical, and cyclical analysis.

Glen Macneil is the sole advisor at MacNeil Capital Management in Littleton, MA. He holds the CFA® designation and Series 63 license, with 21 years of industry experience. He has worked at Fidelity Brokerage Services, Inc. since 1996. MacNeil Capital Management provides discretionary investment supervisory and portfolio management services to individuals, trusts, estates, and charitable organizations. The firm employs a long-term investment strategy informed by fundamental analysis and offers flexibility in trading less-standard securities and aggregating trades for clients.