Samanda Morales is a financial advisor at Wellfin360 with four years at the firm and two years of industry experience. She holds a Series 65 designation and previously worked at Bank of NY Mellon and MBS LLC. Morales is also the Co-Founder and CEO of Ahora Inc, where she provides strategic direction and participates in fundraising activities. Wellfin360 is a fee-only independent investment adviser serving individuals, high-net-worth clients, charitable organizations, and small businesses. The firm focuses on asset-allocation-driven portfolio management primarily using passive funds and offers tailored financial planning through tiered service levels and educational seminars.

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.

Dionysios Kaskarelis is a financial advisor at Access Investment Management with a Series 65 designation and less than one year of industry experience. His prior career includes roles at the European Investment Bank, the Consulate General of Greece in Boston, and Barrett Sotheby's International Realty. He is also involved in real estate brokerage and property management through affiliated entities. Access Investment Management provides fiduciary investment advisory services to individuals, families, businesses, institutional clients, and pooled investment vehicles. The firm combines fundamental analysis with a range of investment vehicles, including ETFs, mutual funds, and real estate interests, tailoring advice to client objectives and risk tolerance while integrating real estate fund management and related services.

Christopher Sadkowski is a CFP® with 17 years of industry experience and has been the principal advisor at Christopher Investment Advisors since 2012. He operates a single-advisor, fee-only independent practice based in Beverly, MA. Christopher Investment Advisors provides investment management and financial planning to individuals, families, and businesses, focusing on a limited number of personal clients rather than pooled investment vehicles. The firm follows an endowment-style, academically supported approach that emphasizes broad diversification, low-cost passive investments, and tailored written investment policies, offering both asset-based management and non-AUM financial planning options.

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.

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.

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.

Ruzanna Queenan is a CFA charterholder and Series 63 licensee with seven years of industry experience. She is the principal of Queenvest LLC, an independent firm she has led since 2018. Prior to founding Queenvest, she worked at State Street Corporation for two years. Queenvest LLC serves individuals, high-net-worth clients, and small businesses, offering financial planning, portfolio management, and retirement plan consulting. The firm uses a process based on client goal setting, fundamental analysis, and Modern Portfolio Theory to create diversified portfolios, managing accounts directly or through third-party strategies.

Andrew Tapparo is the sole advisor at Tapparo Capital Management, an independent firm based in Topsfield, MA. He holds a Series 65 designation and has 27 years of industry experience, having founded and led the firm since 1997. Tapparo Capital Management provides discretionary and non-discretionary portfolio management services to individuals, pension and profit-sharing plans, trusts, estates, corporations, and charitable organizations. The firm integrates financial planning with portfolio management, employing a mix of fundamental analysis, technical trading models, cyclical analysis, and charting, with occasional use of short-term positions, margin, or option strategies.

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.

Philip Gillette Jr. is the sole advisor and owner of Cape Ann Financial in Manchester, MA, with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has managed his independent firm since 1998. In addition to advisory services, he operates as a commodity trading advisor under his own name. Cape Ann Financial provides investment advice, portfolio management, and financial planning to individuals, trusts, and pension and profit-sharing plans. The firm employs a combination of fundamental and technical analysis, with monthly account reviews and a focus on non-discretionary management alongside the use of hedging instruments.

Robert Skloff is a CFA® charterholder with 16 years of industry experience. He is the principal advisor at French and Skloff Investment Advisors, LLC, an independent firm based in North Andover, MA. His prior experience includes roles at Beck Bode Wealth Management and Silver Pine Capital. French and Skloff Investment Advisors serves both institutional and individual clients, providing portfolio management and financial planning through separately managed accounts. The firm employs a value-oriented, fundamental bottom-up research approach combined with top-down macro analysis and offers diversified portfolios, including internally managed equity strategies and hedged equity products.

Charles Husak is a financial advisor with Stonehurst Capital Management, LLC, holding a Series 66 designation and 24 years of industry experience. He has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2009 and founded Stonehurst Capital Management in 2015. Stonehurst Capital Management provides discretionary managed account services to high net worth individuals and institutional clients, employing a proprietary fundamental value framework that integrates bottom-up stock selection with long and short positions, along with hedging strategies. The firm focuses on a limited client roster and combines medium- to long-term value investing with opportunistic short-term trades.

Laurence Cohen is a CFP® and holds a Series 65 license with 16 years of industry experience. He has operated Laurence Financial Planning LLC since 2009 in Danvers, MA. Laurence Financial Planning LLC serves individual investors and trusts by providing comprehensive financial planning, investment management, and limited-scope project planning. The firm emphasizes long-term strategic asset allocation, global diversification, and low-cost mutual funds, with a focus on non-discretionary management and detailed, client-directed implementation.

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.

Joseph Fodera is the principal of DBA Joseph Fodera and holds a Series 66 designation with 20 years of industry experience. He has been involved with Cornerstone Industries since 1991, where he is also the owner, focusing primarily on real estate development and renovations. Outside of advisory services, he serves as the registered agent and manager of DiCamillo Associates, LLC. Fodera Investments, Inc. provides investment advisory services primarily to individual clients, offering managed account oversight and consultation with a conservative, fundamental research-based approach. The firm operates on a small scale, with most of Mr. Fodera’s time dedicated to real estate development, and manages accounts mostly on a non-discretionary basis.

Geoffrey Loynd is the sole advisor at Loynd Capital Management in Marblehead, MA, holding the CFA® designation and Series 63 license with 20 years of industry experience. He has led Loynd Capital Management since 1992. Loynd Capital Management is an independent, fee-only registered investment adviser serving primarily individual investors and one charitable organization. The firm employs a scientific, academically grounded investment approach focused on low-cost diversified funds and ETFs, using fixed income to reduce portfolio volatility and emphasizing tailored risk profiles, low turnover, and incorporation of new research.

Charles Lavrentios is a financial advisor with Harbor Point Capital Management, LLC, holding a Series 66 designation and 23 years of industry experience. He operates as the sole advisor at his independent firm located in Woburn, Massachusetts. Harbor Point Capital Management provides wealth management and portfolio management services to individuals and institutional clients, including pension and profit-sharing plans, trusts, and business entities. The firm uses a disciplined, data-driven approach with proprietary tactical asset allocation models, emphasizing fixed income and ETF exposures, and integrates third-party research to tailor risk profiles and investment strategies for each client.

Peter Jalbert is a CFP® with 23 years of industry experience and has been with Crossroads Capital Management LLC since 2008. He holds Series 63 and Series 65 licenses and operates as the sole advisor at his independent firm based in Marblehead, MA. Crossroads Capital Management provides financial planning and discretionary investment management to individuals, families, trusts, and related entities, including charitable organizations. The firm emphasizes strategic asset allocation and constructs individually tailored portfolios using a combination of passive index/ETF exposures, actively managed funds, and individual securities, managing accounts on a discretionary basis with regular client reviews and ongoing communication.