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.

Jennifer Dougherty is a CFA® charterholder and holds a Series 65 license with 11 years of industry experience. She has worked at Ballentine Partners LLC and has been operating BroadWealth LLC since 2019. BroadWealth serves a selective group of high-net-worth individuals, families, and related entities by providing integrated wealth management services focused on personalized asset allocation using low-cost, tax-aware vehicles and broad diversification. The firm also offers pension consulting and educational seminars, alongside standalone financial consulting and project-based work such as business-sale preparation and probate support.

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.

Thomas Kilgallen is a CFP® professional with 13 years of industry experience. He is the principal of Fair Weather Strategies LLC, an independent advisory firm he has led since 2012. In addition to his advisory work, Kilgallen provides IT data consulting focused on analysis of large data sets and metric reporting. Fair Weather Strategies offers asset management, modular financial planning, and divorce financial counseling services to individuals, high-net-worth clients, business owners, trusts, and other entities. The firm emphasizes ETF and individual equity investments using fundamental and technical analysis, with a primarily long-only buy-and-hold strategy complemented by tactical adjustments.

John Colantino is a CFP® professional with 10 years of industry experience. He is the principal of Act 2 Planning LLC in Winchester, MA, and previously worked at Fidelity Investments for 24 years. Act 2 Planning provides fee-only, project-based financial planning and consulting to individuals and institutional clients, focusing on written plans and implementation recommendations rather than discretionary asset management. The firm emphasizes asset allocation and modern portfolio theory, typically recommending passive/index funds and ETFs.

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.

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.

Paul Dougherty is the sole advisor at Boylston Capital Management in Medford, MA, holding a Series 63 designation with 29 years of industry experience. He has worked at Boylston Capital Management since 1992 and concurrently serves as an instructor for FINRA licensing courses at STC Corporation. Boylston Capital Management is an independent registered investment adviser that serves individual clients through discretionary portfolio management and financial planning. The firm uses a top-down investment approach focused on asset protection and long-term growth, customizing portfolios to client constraints while reporting performance results annually.

Mark Alaimo is a CFP® and PFS™ certified financial advisor with 10 years of industry experience. He is the principal of LCW Planning and Investments, LLC and also serves as president of LCW-CPA's, Inc., a CPA firm where he manages and oversees all operations. His work includes both financial advisory and accounting services. LCW Planning and Investments provides discretionary investment management and financial planning for individual and high-net-worth clients, utilizing customized portfolios with ETFs, mutual funds, and selected individual securities. The firm combines fundamental analysis with Modern Portfolio Theory and also uses independent managers, maintaining oversight without receiving additional compensation from those managers.

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.

Wei Chen is a CFA® charterholder and principal of RootsOn Capital LLC with one year of experience as a financial advisor. Prior to founding RootsOn Capital, Wei was employed at Columbia Threadneedle Investments and Dimensional Fund Advisors, accumulating a total of ten years in the investment industry. RootsOn Capital LLC is a fee-only, registered investment adviser serving individuals, high-net-worth clients, family trusts and estates, family offices, and other institutional entities. The firm employs a long-term investment approach based on modern portfolio theory, blending passive and active strategies across various asset types and tailoring portfolios to client goals, risk tolerance, and tax considerations.

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.

Philip Sagan is a CFP® and principal of Philip J. Sagan Financial Consulting, Inc. in Lexington, MA, with 28 years of experience in financial consulting. He has operated his independent advisory firm since 1997 and is also a principal of Sagan & Sagan P.C., a public accounting firm. His firm provides financial consulting and portfolio management primarily for high-net-worth individuals, offering services such as tax planning, retirement and educational planning, and tailored portfolio management. The firm emphasizes personalized advice and periodic reviews, typically recommending diversified allocations including individual equities, mutual funds, and ETFs.

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.

Linda Nelson is a CFP® and Series 66-registered financial advisor with 28 years of industry experience. She has been the sole advisor at Freya Financial Services since 2002. Freya Financial Services is an independent, fee-only firm serving individuals, families, and small businesses with financial life planning and investment management. The firm employs a strategic asset-allocation approach using mostly no-load and low-load mutual funds, emphasizing non-discretionary portfolio management and personalized, plan-centered client relationships.

Christina Larson is a Certified Financial Planner™ with 17 years of industry experience. She has operated Larson Financial Planning, Inc., an independent advisory firm based in Winchester, MA, since 2010. Larson Financial Planning provides discretionary investment management and financial planning to individuals, high-net-worth clients, trusts, estates, and businesses. The firm builds customized, primarily long-term portfolios using diversified mutual funds and ETFs, with ongoing portfolio supervision, rebalancing, and tax-loss harvesting.

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.

James Kieffer is the sole advisor at Rational Frontier Advisors, LLC in Nashua, NH. He holds a Series 65 designation and has 17 years of industry experience. He has been with Rational Frontier Advisors since 2008 and has also been associated with Proforma Financial Group, Inc. since 1981. Rational Frontier Advisors provides investment supervisory services and portfolio management primarily for high-net-worth individuals and retirement plan accounts. The firm emphasizes asset-class allocation, risk-adjusted benchmarking, and portfolio construction using mean-variance optimization, incorporating options-writing strategies as part of its investment approach.