Trevor Gailun is a CFP® with seven years of industry experience, currently serving as the sole advisor at Thrive Investments, LLC in Wellesley, MA. He previously worked at Wellesley Investment Partners from 2014 to 2020. Thrive Investments offers investment management and a subscription-based online financial planning portal for individuals, high-net-worth clients, and charitable organizations. The firm’s approach uses quantitative analysis and model allocations with low-cost ETFs, providing multiple strategy options and tax-aware portfolio management, with client accounts maintained exclusively at Schwab Institutional.

Chad Onufrechuk is a financial advisor at Cascade Wealth LLC with five years of industry experience. He holds the Series 65 designation and previously worked at Adviser Investments LLC for 20 years. Cascade Wealth LLC provides wealth management and financial planning services to individuals, high-net-worth clients, trusts, and estates, acting as a fiduciary for retirement accounts including ERISA and IRAs. The firm uses a primarily long-term investment approach with diversified portfolios consisting of exchange-traded funds, mutual funds, individual equities, and fixed income, incorporating both fundamental and technical analysis.

Anupama Rames is a financial advisor at Sustainable Investment Partners LLC with two years of industry experience. She holds a Series 65 designation and has previously worked at Boston Trust Walden, BNP Paribas Asset Management, and Liberty Mutual Investments. Sustainable Investment Partners LLC is a fee-only registered investment adviser serving high-net-worth individuals, pension and profit-sharing plans, endowments, foundations, non-profits, and small businesses. The firm emphasizes fundamental analysis and impact-driven portfolios, combining passive and active strategies, and offers both consultative and discretionary management services.

Pavan Neti is a financial advisor at Standish Capital Management, LLC, holding a Series 65 designation with one year of industry experience. Prior to joining Standish Capital Management, Neti worked at Citizens Financial Group and spent six years as a primary caregiver and individual investor. Standish Capital Management provides discretionary investment management through separately managed accounts for individuals, high-net-worth investors, and small business entities. The firm employs a systematic, growth-oriented equity strategy focused on U.S. equities and ETFs, with customizable accounts and a quantitative and fundamental decision-making process.

Celeste Gilbert is a financial advisor with C.J. Gilbert Financial LLC in Weston, MA. She holds a Series 65 designation and has seven years of industry experience, including four years at J.W. Swenson Investment Counsel. C.J. Gilbert Financial LLC provides investment management services to individuals, trusts, and individual retirement plans through sub-advisory agreements with independent investment managers. The firm focuses on client objectives and oversight of independent managers, delivering consolidated reporting and advisory fees while not executing trades or maintaining custody of assets.

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.

Debra Neiman is a CFP® with 30 years of experience in the financial services industry. She has been the principal of Neiman & Associates Financial Services, LLC since 2003. Outside of her advisory work, she is a member and manager of Pembroke Properties, LLC, which manages office condo space. Neiman & Associates Financial Services, LLC provides personalized financial planning and investment management to individuals, high-net-worth clients, families, trusts, estates, and small businesses. The firm employs a core-and-satellite asset allocation strategy mainly using mutual funds and ETFs, delivering advice on a non-discretionary basis and offering access to managed-account platforms with discretionary strategies.

Ichiro Ishiguro is a CFA® charterholder and the sole advisor at Balanstone, LLC, an independent firm based in Newton, MA. He has 10 years of industry experience and has led Balanstone since its founding in 2015. Balanstone provides ongoing portfolio management and subadvisory services to individuals, high-net-worth clients, corporations, and other investment advisers. The firm employs a long-term, fundamental equity investment approach focused on company fundamentals, future cash flows, and secular growth trends, managing accounts primarily on a discretionary basis with regular portfolio reviews.

Ryan Creegan is a CFP® professional with four years of industry experience. He is the principal advisor at Sheltered Garden Financial Group LLC and has prior experience at Creegan & Nassoura Financial Group, MutualOne Bank, and Brookline Bank. Outside of his advisory role, he works as a commercial credit analyst at a bank and provides tax-preparation services. Sheltered Garden Financial Group serves individuals, high-net-worth clients, trusts, and estates with discretionary wealth management, comprehensive financial planning, investment consulting, and tax-preparation services. The firm’s investment process focuses on fundamental analysis and long-term portfolio construction, primarily using individual stocks and bonds supplemented by ETFs and mutual funds for diversification and tax efficiency.

Elizabeth Pleck is a CFP® professional with 13 years of industry experience, operating as the sole advisor at Financial Strategies, LLC in Wellesley, MA. She has been with Financial Strategies LLC since 1982 and is also active as a writer, lecturer, and consultant. Financial Strategies, LLC is an independent firm providing fee-only financial planning and discretionary investment management primarily for individuals and couples. The firm emphasizes a long-term, diversified investment approach based on Modern Portfolio Theory, offering ongoing portfolio management, hourly consultations, and comprehensive written financial plans.

Dana Levit is a financial advisor at Paragon Financial Advisors in Newton, MA, holding CFP® and Series 65 credentials with 24 years of industry experience. Prior to founding Paragon Financial Advisors, Dana worked at Back Bay Financial Group, Inc. from 2001 to 2005. Paragon Financial Advisors offers comprehensive financial planning and investment advisory services for individuals and families, emphasizing retirement, tax and estate planning, risk management, and small-business planning. The firm uses a non-discretionary, fee-only approach with portfolios typically including no-load mutual funds, ETFs, government securities, and individual bonds.

Kyle Mannion is a financial advisor at Mannion Money Advisory with two years of industry experience. He holds a Series 65 designation and has previously been involved in sports management and consulting, including roles at 3 Step Sports LLC and CM8 Soccer Consulting & Management. Outside of financial advising, he serves as Accounts Payable Manager for 3 Step Sports LLC. Mannion Money Advisory provides financial planning, consulting, and discretionary portfolio management to individuals, families, small businesses, and corporate clients. The firm emphasizes a long-term, goals-based investment approach using diversified asset allocation, cost-efficient ETFs, and automated portfolio oversight.

Gregory Peterson is a CFA® charterholder with 20 years of industry experience. He has been the sole advisor at Adaptive Financial Solutions, Inc. since 2018. Adaptive Financial Solutions is an independent, fee-only advisory firm serving individual clients and small businesses with coordinated financial planning and investment management. The firm employs a long-term, globally diversified, tax-aware investment approach using low-cost mutual funds and ETFs, and typically exercises discretionary trading authority.

Oleg Litvinenko is a CFA® charterholder and Series 63 licensee based in Concord, MA, with six years of industry experience. He has worked at Meeting House Capital, LLC since 2020 and previously spent four years at Cobblestone Capital Advisors, LLC. Meeting House Capital is an independent, single-advisor registered investment adviser serving individuals, high net worth clients, trusts, estates, and other registered investment advisors. The firm focuses on discretionary portfolio management and integrated financial planning, using a primarily long-term investment approach centered on concentrated individual-stock portfolios supplemented by select mutual funds, ETFs, bonds, and REITs.

Yuji Koga is a financial advisor at Koga Capital Management LLC with 21 years of industry experience. He holds a Series 65 designation and previously worked at Reynders, McVeigh Capital Management, LLC for 12 years before founding his current firm in 2023. Koga Capital Management LLC is a fee-only registered investment adviser serving individuals and high-net-worth clients with discretionary investment management and comprehensive financial planning. The firm employs a blend of fundamental analysis and passive and active strategies to construct customized portfolios, including options for socially conscious or ESG investing.

Scott Holley is a financial advisor at Sage Wealth Capital with Series 63 and Series 65 credentials and four years of industry experience. He previously worked at Four Barrell Capital Management and Mobile Paradigm Group. Outside of advising, Holley provides software consulting services for Fave App, LLC. Sage Wealth Capital is an independent, single-advisor firm offering asset management and financial planning services to individuals, trusts, estates, charitable organizations, and business entities. The firm employs a disciplined investment approach focusing on wealth preservation and long-term growth, utilizing a Growth-at-a-Reasonable-Price equity selection framework and a structured fixed-income strategy.

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.

Daniel Tilton is a CFP® and Series 65 designated advisor with 22 years of industry experience. He founded and leads Tilton Asset Management, where he has worked for 25 years. Tilton Asset Management serves individuals, high-net-worth clients, trusts, and retirement accounts with portfolio management and advisory services. The firm uses a long-term, Modern Portfolio Theory-based approach that combines active and passive investments, with integration of an affiliated CPA practice offering tax preparation and planning services.

Joe Hanley is the founder of Nashoba Valley Wealth Management, a fee-only registered investment advisory firm based in Stow, Massachusetts. Joe spent more than twenty-five years as a financial advisor at Fidelity Investments, helping clients plan for retirement, invest, and navigate major financial decisions. In 2025, he founded NVWM to serve clients with the independence, objectivity, and personal attention that a small fiduciary firm makes possible. Joe is a CERTIFIED FINANCIAL PLANNER™ professional and an IRS Enrolled Agent. He holds an MBA from Seattle Pacific University and a BS in Finance from Bryant University. NVWM offers comprehensive and hourly financial planning, investment management, and retirement plan services for employers. Each client’s plan addresses the areas that matter most to them, such as retirement income, tax planning, investments, insurance, estate planning, and charitable giving. Because NVWM is fee-only, its only compensation comes from clients. No commissions or product incentives influence its advice, and NVWM has no account minimum. The result is a practice built on long-term relationships, clear communication, and a commitment to acting in each client’s best interest.