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.

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.

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?

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 principal of CJS Financial Advisers, an independent advisory firm based in Nashua, New Hampshire. He holds Series 63 and Series 65 licenses and has 31 years of industry experience. His prior experience includes work at Primex, and he is active as a licensed real estate sales associate and involved in a private equity firm where he serves as Senior Managing Director. CJS Financial Advisers primarily acts as a solicitor to other investment advisers while also offering direct advisory and financial planning services. The firm provides both discretionary and non-discretionary advice, employing a mix of passive and active investment strategies across multiple asset classes and uses a broker-dealer platform for trade execution and custody.

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® with 28 years of industry experience, currently serving as the sole advisor at CIO Wealth Management, Inc. in Sudbury, MA. He previously worked at LPL Financial, llc for 12 years before founding his current independent advisory firm in 2021. CIO Wealth Management is a small independent adviser serving individuals, high-net-worth families, trusts, and small-business retirement plan sponsors. The firm offers discretionary portfolio management, holistic financial planning, and qualified plan consulting services, employing diversified investment strategies and providing ERISA fiduciary plan-level services uncommon for firms of its size.

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 Cryts is a financial advisor at Cambridge Financial Services with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera Investment Advisers LLC and Cetera Advisors LLC. He has been with Cambridge Financial Services since 1998. Cambridge Financial Services is an independent registered investment adviser serving individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm offers personalized wealth management and financial planning, employing a low-turnover, buy-and-hold investment approach using mutual funds, ETFs, and select individual securities.

Carlos Rodriguez is a CFA® charterholder with 13 years of industry experience, currently operating as the sole advisor at Broad Brook Financial in Chelmsford, MA. He has spent the past 12 years with VOYA Financial Advisors before founding his independent practice. Broad Brook Financial provides customized financial planning, investment management, and on-demand financial advice to individual investors and small businesses. The firm focuses on active asset allocation primarily using passive ETFs and ETNs, offering non-discretionary recommendations and conducting regular portfolio reviews.

Albert Lu is a Series 65-licensed financial advisor with 15 years of industry experience. He is the sole advisor at Luma Financial, an independent firm he has led since 2021. Prior to founding Luma Financial, he held roles at Sprott Asset Management USA Inc and WB Wealth Management. Outside of advisory work, he produces and hosts online educational video content focused on natural resource investing. Luma Financial provides discretionary investment management to individuals, institutional, and charitable clients, including trusts and pension accounts. The firm employs a buy-and-hold investment approach that integrates micro- and macroeconomic analysis, fundamental securities research, and may include fixed-income and commodity exposures for diversification.

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.

Kyle Mc Devitt is a financial advisor at Chilmark Wealth Management LLC in Concord, MA, holding a Series 65 designation with two years of industry experience. Prior to founding Chilmark, he worked at Skanska, MLL Capital, and AEW Capital Management. In addition to advisory services, he provides tax preparation services through Chilmark, particularly during tax season. Chilmark Wealth Management LLC is an independent advisory firm serving individual and high-net-worth clients with discretionary and non-discretionary portfolio management. The firm employs an asset-allocation–based approach using mutual funds, ETFs, equities, and fixed income, and offers financial planning on an as-requested basis, alongside its tax preparation services.

John Olivieri is a financial advisor with North Shore Wealth Management in Westford, MA, holding a Series 65 designation and two years of industry experience. He has worked at North Shore Wealth Management since 2023 and concurrently owns an accounting business, Dermatology Financial Planning dba Docbookkeeping, where he also provides CFO services to Westford Dermatology. North Shore Wealth Management is an independent, single-advisor firm offering discretionary portfolio management, financial planning, and tax/accounting services to individuals and business entities. The firm employs a variety of investment analysis methods and strategies, and uniquely combines advisory services with accounting and CFO work, as well as educational seminars on financial topics.

Herbert Shanzer is the principal of Shanzer Management, an independent firm he has led since 1995. He holds 31 years of industry experience and is based in Westford, Massachusetts. Shanzer Management provides discretionary portfolio management and investment advice focused on no-load and low-load mutual funds. The firm emphasizes long-term, diversified equity portfolios tailored to clients' written investment objectives and risk tolerances, combining actively managed and passive index funds while managing risk through fund allocation adjustments rather than moving to cash.