Richard Shrier is a ChFC® and Series 63 designated advisor with 22 years of industry experience. He has been self-employed since 2002 and has been with Shrier Associates, LLC since 1988. He serves as vice-chair of the Investment Committee and is a board member for the Union for Reform Judaism, as well as a board director and investment committee member for the Reform Pension Board. Shrier Associates provides investment management, financial planning, and pension consulting to individuals, trusts, estates, businesses, and qualified retirement plans. The firm manages approximately $85.9 million in client assets, offering customized, long-term investment strategies across individual and institutional clients through discretionary and non-discretionary engagements.

Sangam Dahal is a financial advisor at Worcester Advisors with three years of industry experience and holds a Series 65 designation. Prior to joining Worcester Advisors, he worked at Clark University, Swopna Events Pvt Ltd, Nabil Investment Banking Limited, and WaterForEveryone-Nepal. Worcester Advisors provides investment advisory and portfolio management services to a diverse client base including individuals, trusts, charitable organizations, pension plans, and municipal clients. The firm employs a fundamentally driven, value-oriented equity investment approach and offers specialized fiduciary and institutional administrative support.

Thomas Jacobsen is a financial advisor with Assabet Advisors, LLC, holding a Series 65 designation and entering his second year in the industry. His prior experience includes roles at BNY Mellon and West Texas A&M University. Outside of his advisory work, he serves as treasurer for Bethlehem Bible Church, handling bookkeeping and accounting duties. Assabet Advisors provides discretionary investment management and consulting services to individuals, retirement plans, trusts, estates, and charitable organizations. The firm employs a scientific investment approach based on modern portfolio theory, emphasizing strategic asset allocation and individualized investment policy statements.

Jacob Girard is the founder of Girard Capital Management and holds a Series 65 designation. He has experience working at KPMG and in education prior to establishing his advisory firm in 2024. Girard Capital Management is a registered investment adviser that provides discretionary portfolio management and financial planning primarily to individual and high-net-worth clients. The firm employs a passive portfolio construction approach within a Modern Portfolio Theory framework and offers access to a range of asset classes including private and alternative investments.

Jeffrey Prunier is a CFP® with 10 years of industry experience and is currently a principal at J.R. Prunier Capital Management LLC, where he has worked since 2022. His prior experience includes positions at The Colony Group and Edward Jones. He serves on the boards of the Wachusett Area Chamber of Commerce and the Laurel Lake Association and speaks on RIA industry trends and differentiators. J.R. Prunier Capital Management LLC provides discretionary portfolio management, financial planning, and pension consulting to individual clients, including high-net-worth individuals, and retirement plans. The firm customizes portfolios based on client goals and risk tolerance, utilizing fundamental analysis and modern portfolio theory, and operates primarily under discretionary authority.

Robert Jacobsen is a CFP® and holds a Series 65 license with 11 years of industry experience. He has been with Assabet Advisors, LLC since 2014. Outside of his advisory role, Jacobsen is involved in competitive driving instruction and car racing, serving as an instructor and team owner and driver. He is also a member of the Town of Holden Finance Committee. Assabet Advisors provides discretionary investment management and consulting to individuals, retirement plans, trusts, estates, and charitable organizations. The firm applies a scientific approach grounded in modern portfolio theory, focusing on strategic asset allocation, individualized Investment Policy Statements, and periodic rebalancing.

John Boyd is a CFP® with 29 years of industry experience and has been with Boyd Financial Strategies, Inc. in Worcester, MA since 2005. He holds a Series 63 license and is one of three advisors at the family-owned firm. Boyd Financial Strategies serves individuals, couples, and related trusts, typically with assets between $500,000 and $20 million, providing comprehensive financial planning and both discretionary and non-discretionary investment management. The firm employs a top-down, risk-conscious investment approach that blends fundamental, technical, and charting analysis, and requires a documented financial or investment plan before making recommendations.

Victor Melfa III is a financial advisor with Factor Investing Group, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He has worked with Melfa Wealth Management LLC dba Factor Investing Group since 2021 and previously held roles at Kestra Advisory and Kentra Investment Services, Inc. Factor Investing Group provides discretionary wealth management and financial planning services to individuals, high-net-worth clients, trusts, estates, charitable organizations, businesses, and retirement plans. The firm utilizes an evidence-based, factor-oriented investment approach incorporating academic research, quantitative methods, fundamental analysis, and macroeconomic assessment, typically implementing portfolios through low-cost ETFs and mutual funds.

David Girard is the founder of Girard Capital Management and holds a Series 65 designation. He has been working in the financial advisory field since 2024, following a period as a student from 2011 to 2024. Prior to establishing his firm, he was associated with The Fix in 2022. Girard Capital Management is a registered investment adviser that provides discretionary portfolio management and financial planning primarily to individual and high-net-worth clients. The firm employs a passive portfolio construction approach using index mutual funds and ETFs within a Modern Portfolio Theory framework, supplemented by fundamental and technical analysis when appropriate.

Peter Boyd is a ChFC®-designated financial advisor with 16 years of industry experience. He is currently the CEO of Apogee Strong Central Massachusetts, LLC, an insurance sales and service firm, and has been associated with Boyd Financial Strategies, Inc. since 2008. At Apogee Strong, he focuses on insurance sales including fixed rate annuities, life insurance, and long-term care insurance. Boyd Financial Strategies, Inc. serves individuals, couples, and related trusts with assets typically between $500,000 and $20 million, providing comprehensive financial planning and both discretionary and non-discretionary investment management. The firm employs a risk-conscious, top-down investment approach that combines fundamental, technical, and charting analysis with longer-term allocation and shorter-term tactical strategies.

Paul Travis is a financial advisor with Community Financial Group, Inc. in Marlborough, MA, holding Series 63, 65, and 66 licenses and possessing 22 years of industry experience. He has been with Community Financial Group since 2003. Community Financial Group, Inc. offers customized investment advisory and financial planning services to individuals, high-net-worth clients, trusts, estates, corporations, and retirement plans. The firm manages client assets on a discretionary basis, employing a range of investment vehicles and strategies, often utilizing third-party managers and sub-advisors, while incorporating insurance consulting through its relationship with DPL Financial Partners.

Donald Sienkiewicz is a CFP® professional with two years of experience currently serving as the sole advisor at J.R. Prunier Capital Management LLC. His prior roles include positions at Professional Advisory Services, Inc., Advocates Financial LLC, and a 13-year tenure at Estate Preservation & Planning. Outside of advisory work, he manages a land development LLC in New Hampshire and serves as a trustee for an irrevocable life insurance trust. J.R. Prunier Capital Management LLC is an independent registered investment adviser providing discretionary portfolio management and financial planning to individuals, high-net-worth clients, and pension/profit-sharing plans. The firm employs a combination of fundamental analysis and modern portfolio theory to create tailored portfolios and maintains a specialized pension consulting practice for employee benefit plans.

Jennifer Simes is a Certified Financial Planner® (CFP®) with 22 years of industry experience. She has been with Carl P. Sherr & Co., LLC since 2007, where she is part of a three-advisor team in Worcester, MA. Carl P. Sherr & Co. provides investment management and comprehensive financial planning to individuals, including high-net-worth clients, trusts, estates, charitable organizations, and small businesses. The firm emphasizes asset allocation, mutual fund and ETF analysis, and long-term holdings, managing most assets on a discretionary basis with a team approach and centralized oversight.

Leah Michalowski is a financial advisor at Carr Financial Group in Worcester, MA, holding a Series 65 credential with one year of industry experience. Her prior work includes roles at Leominster Credit Union, Stonehill College, and other local organizations. Outside of advising, she coaches volleyball for CMASS Junior Volleyball. Carr Financial Group provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, estates, charitable organizations, corporations, and retirement plans. The firm emphasizes strategic asset allocation using diversified mutual funds and ETFs, managing approximately $744 million in discretionary assets across a small team of advisors.

Adam Waitkevich is a financial advisor at Concord Wealth Partners with 22 years of industry experience. He holds Series 63 and Series 65 designations and has been with Concord Wealth Partners since 2021. He is also the principal owner of Divorce Financial Solutions, LLC, which provides forecasting reports and information related to the division of marital assets, alimony, and childcare for divorcing couples. Additionally, Waitkevich serves as a board member and volunteer for Kevin Youkilis Hits for Kids. Concord Wealth Partners is a team-based registered investment adviser managing approximately $1.07 billion for individuals, corporations, trusts, estates, and charitable organizations. The firm offers financial planning, discretionary portfolio management, and retirement plan consulting, emphasizing tailored allocations, asset allocation, and cash management.

Gary Sherr is a financial advisor with Carl P. Sherr & Co., LLC in Worcester, MA, holding Series 63 and Series 66 credentials and possessing 40 years of industry experience. He has been with Carl P. Sherr and Company since 1986. Carl P. Sherr & Co. provides investment management and comprehensive financial planning to individuals, trusts, estates, charitable organizations, and small businesses. The firm develops individualized investment policies focusing on asset allocation and long-term holdings, employs a team approach with centralized oversight, and uses platforms such as eMoney and Fidelity Institutional Wealth Services to support its services.

John Llodra is a CFP® with 21 years of experience in the financial services industry, currently serving at New Harbor Financial Group, LLC since 2005. He is a co-trustee of the Llodra Family Gift Trust and participates in financial planning and investment decisions for the Groton Conservation Trust. Additionally, he is a co-owner and member of New Harbor Acquisition Partners, LLC, a business acquisition search firm. New Harbor Financial Group serves individual and high-net-worth investors, trusts, retirement plans, charitable organizations, and corporate clients. The firm offers discretionary and non-discretionary investment management using model portfolios and employs a range of strategies including derivatives and option strategies, while also conducting educational seminars and workshops.

Edward Zywien is a financial advisor at Concord Wealth Partners with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Concord Wealth Partners since 2021 and Coppertree, LLC since 2011. In addition to his advisory role, he engages in insurance sales for a few hours weekly during trading hours. Concord Wealth Partners is a team-based registered investment adviser managing approximately $1.07 billion for individuals, corporations, trusts, estates, and charitable organizations. The firm offers financial planning, discretionary portfolio management, and retirement plan consulting, tailoring allocations to client objectives and employing a range of investment strategies that include mutual funds, ETFs, alternatives, and more complex instruments as appropriate.

Andrea Lucey is a CFP® and ChFC® professional with 21 years of industry experience. She has worked at Carr Financial Group since 2022 and previously operated the Lucey Advisory Group and worked with LPL Financial. Carr Financial Group provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, estates, charitable organizations, corporations, and retirement plans. The firm employs a portfolio approach focused on strategic asset allocation using diversified mutual funds and ETFs, with discretionary management and a family office practice under a separate fee arrangement.

Mark Distefano is a financial advisor at Carr Financial Group with one year of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at Mass Mutual Investors Services, MassMutual Life Insurance, Strategic Retirement Partners, and LPL Financial. Outside of advising, he is a licensed insurance producer involved in the sale of fixed life insurance products and is a co-owner of an LLC engaged in real property development and management. Carr Financial Group provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, estates, charitable organizations, corporations, and retirement plans. The firm manages approximately $744 million in discretionary assets, employing a portfolio approach that emphasizes strategic asset allocation primarily through diversified mutual funds and ETFs, with selective use of individual securities and other investment vehicles.