Penelope Tzougros is a financial advisor with Wealthy Choices (R) who holds the ChFC® designation and Series 63 license. She has 40 years of industry experience, including prior roles at LPL Financial, LLC and Bay Financial Advisors, Inc. In addition to her advisory work, she is an author of financial books and educational materials. Wealthy Choices provides personalized, fee-based financial planning and investment advice to individuals, families, and small businesses. The firm focuses on a discovery-driven planning process, employing fundamental and technical analysis, and does not manage client assets directly, leaving implementation to clients.

Fermo Bianchi III is the sole advisor at Fabco Investment Advisors, LLC, an independent firm based in Newton Upper Falls, MA. He holds a Series 65 designation and has 16 years of industry experience, having led Fabco Investment Advisors since 2010. In addition to his advisory role, he serves as chief tax preparer for the firm, providing individual and fiduciary income tax return preparation. Fabco Investment Advisors serves individual and high-net-worth clients, trusts, estates, and small businesses with portfolio management, financial planning, and in-house tax preparation services. The firm employs a generally long-term investment approach combining fundamental, charting, and historical analysis tailored to client-specific needs.

Todd Carter is the principal of The Blue Oak Group, LLC, an investment advisory firm based in Boston, MA. He holds Series 63 and Series 65 licenses and has 15 years of industry experience. Prior to founding The Blue Oak Group in 2008, Mr. Carter worked at Kalos Management and Kalos Capital, Inc. He also co-owns Mercer Consulting, LLC, a real estate consulting firm specializing in §1031 like-kind exchanges. The Blue Oak Group provides alternative investment advice and consulting to select accredited individuals, trusts, and corporate entities, focusing on tax-aware capital deployment and customized alternative allocations as part of broader financial plans. The firm’s approach includes working with a range of alternative assets and coordinating with clients’ existing legal, tax, and wealth teams.

Brian Hennessy is a CFP® professional with 14 years of industry experience. He is the principal and owner of Hennessy Financial Services in Medford, MA, and has worked concurrently at Stage Harbor Financial, LLC since 2018. He has prior experience at Mass General Hospital and holds a Notary Public designation in Massachusetts. Hennessy Financial Services is an SEC-registered, single-advisor firm providing discretionary portfolio management to individuals, high-net-worth clients, and institutional accounts. The firm creates customized investment strategies based on clients’ objectives and risk tolerance, primarily focusing on equities, corporate debt, and mutual funds, and manages roughly $13.2 million in discretionary assets.

Thurman Smith is a financial advisor with Equity Fund Research, LLC, with 22 years of industry experience. He has worked at Equity Fund Research since 1982. Equity Fund Research provides discretionary investment supervisory services to individual investors and personal trust accounts, primarily using open-end mutual funds and ETFs selected through an in-house fund rating system. The firm operates as a single-principal entity and has historically published a mutual-fund newsletter, a distinguishing feature among similar-sized advisory practices.

Peter Foley is a CFP® and ChFC® with over 20 years of experience in financial advising. He has operated Fourthpoint Advisors in Wellesley, MA since 2005. In addition to his advisory work, Foley is a licensed insurance broker in multiple states, including Massachusetts. Fourthpoint Advisors serves a select group of individual and family clients, along with employer organizations and nonprofit plan sponsors, offering financial planning, portfolio management, and retirement-plan consulting. The firm provides both non-discretionary and discretionary investment solutions and maintains a distinct insurance brokerage practice.

Eric Liriano is a CFP® with 33 years of industry experience. He is the principal of Liriano Wealth Advisory Group, LLC, where he has worked since 2025. His prior experience includes roles at Primerica Advisors and Guardian Life Insurance Company of America, spanning from 2006 to 2025. Outside of advisory services, he is involved in offering group health insurance brokerage. Liriano Wealth Advisory Group, LLC provides discretionary portfolio management primarily through the AssetMark wrap-fee platform, focusing on mutual funds and ETFs. The firm also offers financial planning and consulting on an hourly basis, utilizing model portfolios and third-party sub-advisers who manage day-to-day investment decisions.

David Rosen is the principal of Rosen Investment Management LLC in Needham, MA, holding a Series 65 credential with 12 years of industry experience. He has been with Rosen Investment Management since 2013 and also practices law at Rosen Law Group. Rosen provides legal services separately from his advisory role. Rosen Investment Management offers investment advisory services to individuals and high-net-worth clients by recommending allocation models and coordinating with an unaffiliated adviser, Matson Money, to implement and monitor portfolios. The firm’s process is based on modern portfolio theory and tailored asset allocation, without discretionary trading authority or custody of client assets.

Vitaly Veksler is a CFA® charterholder and holds a Series 66 license, with 12 years of industry experience. He has been the sole advisor at Beyond Borders Investment Strategies, LLC since 2014. Beyond Borders Investment Strategies, LLC provides discretionary portfolio management to institutional clients and individual investors, including high-net-worth individuals, trusts, and estates. The firm specializes in tax-efficient single-country equity ETFs, employing a country-macro value equity style that focuses on undervalued markets during periods of crisis and aims to support recovery while seeking investment returns.

Barbara Duffield is the principal of Duffield Financial Group in Concord, MA, with 48 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 and advisory business since 1978. She maintains an insurance broker license, though she has not sold insurance products in more than 15 years, and currently serves on the finance committee of her condominium association. Duffield Financial Group provides pension consulting, investment consulting, and financial planning services to plan sponsors, trusts, endowments, and high-net-worth individuals. The firm focuses on non-discretionary client relationships, fundamental analysis, and a long-term, buy-and-hold investment approach, with a notable emphasis on ERISA-level pension consulting and flat or hourly fee structures.

Ryan Lee Young is a financial advisor at Philosophe Financial with Series 63 and Series 65 credentials and two years of industry experience. Prior to his advisory role, he worked at Vynamic LLC for seven years, Putnam Associates for two years, and Johns Hopkins University for three years. Philosophe Financial provides fee-only financial planning and non-discretionary investment advisory services to individuals and households, focusing on written financial plans, portfolio construction, and asset allocation. The firm operates primarily on an hourly and pre-purchased planning basis and serves as a fiduciary, delivering individualized advice without discretionary trading authority.

Brenda Wenning is the sole advisor at Wenning Investments, LLC, an independent firm based in Waban, MA. She holds a Series 65 designation and has 22 years of industry experience, including 18 years leading her own firm. Wenning Investments provides portfolio management and investment advisory services to individual and high-net-worth clients, focusing on personalized investment policy statements and risk-tolerant portfolio management. The firm employs a range of analytical methods and manages diversified portfolios with both long-term and short-term strategies.

Bing Lu is a financial advisor at Vesta Investment Advisors, LLC with eight years of industry experience. He holds a Series 65 designation and has been with Vesta Investment Advisors since 2017, following two years at Vesta Investment, Inc. Located in Brookline, MA, he is the sole advisor at his independent firm. Vesta Investment Advisors provides discretionary portfolio management to individual investors, pooled investment vehicles, and corporate clients. The firm manages private funds and emphasizes a long-term, multi-analytical investment approach that integrates charting, cyclical, fundamental, quantitative, and technical analysis with risk-based asset allocation and security selection.

George Massey is a financial advisor at Ellisville Harbour Partners in Cambridge, MA, holding a Series 65 designation with five years of industry experience. He has worked at Mozaic Capital Advisors, AAG Energy, and Kirkwood & Company LLC, and is also the owner of Far West Consulting, a business consultancy. Ellisville Harbour Partners provides investment management and advisory services to high-net-worth individuals, trusts, and estates, focusing on long-term, concentrated equity portfolios typically holding 10–20 businesses. The firm emphasizes proprietary research and invests in large addressable markets, technology-driven transformations, and frontier markets including Asia and overlooked U.S. regions.

Marc Silk is a financial advisor at Silk Investment Advisors in Medfield, MA, holding Series 63 and Series 65 licenses with 18 years of industry experience. He has worked at C. Silk And Sons since 2011 and has been associated with Delta Equity Services Corporation since 1998. Silk Investment Advisors provides discretionary portfolio management to individuals, high-net-worth clients, trusts, pension plans, and various business entities through separately managed accounts. The firm employs a long-term, patient Cash Rich Fallen Angel (CRFA) strategy focused on small and micro-cap securities, including non-U.S. issuers, and is notable for its concentrated positions and emphasis on balance-sheet analysis and turnaround prospects.

Mark Giometti is a CFP® professional with 18 years at Black Diamond Financial Planning, LLC in Arlington, MA. He has seven years of industry experience. The firm provides financial planning and portfolio management to individual investors, personal trusts, and estates, maintaining a small client roster. Black Diamond Financial Planning uses a long-term, goals-based investment approach, incorporating ETFs, mutual funds, and, when appropriate, individual stocks or bonds, supported by both fundamental and technical analysis.

Harold Simansky is the sole advisor at Simansky Investments, LLC, an independent firm based in Brookline, MA. He holds a Series 65 designation and has 23 years of industry experience, including roles in management consulting, a residential energy-efficiency startup, and part-time work as a business-school admissions consultant. He has been involved with Educational Investments, LLC since 2003. Simansky Investments is a fee-only advisory firm serving primarily individuals and families with investment management and financial planning. The firm employs an evidence-based, low-cost passive investment approach using index funds and manages client assets on a non-discretionary basis, emphasizing alignment with client objectives and risk tolerance.

Richard Fucillo is a financial advisor at Commenda Capital Advisors in Cambridge, MA, with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Commenda Capital Advisors since 2020. Outside of his advisory role, he is a voting board member of a hockey equipment manufacturing company. Commenda Capital Advisors provides investment advisory services primarily by selecting and overseeing unaffiliated money managers for individuals, trusts, estates, and charitable organizations, tailoring recommendations to client needs without directly managing portfolios.

Zachary Stuppy is a financial advisor at Brave Boat Capital Advisors in Boston, MA, with 11 years of industry experience. He holds Series 65 and Series 66 designations and has worked at Brave Boat Capital since 2015, following a brief tenure at Credit Suisse Securities (USA) LLC. Brave Boat Capital Advisors provides financial planning, portfolio management, and investment consultation to individuals, high-net-worth clients, and retirement plans. The firm integrates Modern Portfolio Theory with tactical adjustments, core-and-satellite allocations, and momentum-based overlays, offering a combination of retirement-plan advisory, investor education, and derivative strategies.

Stephen Lanczycki is a financial advisor at Value Financial Partners LLC with a Series 65 designation. He has experience at firms including Sun Life Financial and John Hancock, and currently holds a senior actuarial and finance governance role at Sun Life Financial. Value Financial Partners LLC is a newly registered investment adviser offering discretionary asset management and optional financial planning. The firm generally serves individuals, high-net-worth clients, trusts, small businesses, and estates, employing a passive, buy-and-hold investment approach grounded in modern portfolio theory.