Geoffrey Dancey is a CFA® charterholder and holds a Series 65 license, with 22 years of industry experience. He has been with Cutler Capital Management LLC since 2003, working in Worcester, MA as part of a six-person advisory team. Cutler Capital Management is a SEC-registered investment adviser serving individuals, trusts, retirement plans, and pooled private investment funds. The firm specializes in convertible securities, financial-sector equities with a focus on community banks, and publicly traded REITs, using both fundamental and technical analysis to construct portfolios aimed at current income with upside potential and managed downside risk.

Richard Shrier is the principal of Shrier Associates, LLC in Clinton, MA, holding the ChFC® and Series 63 designations with 22 years of industry experience. He has been self-employed since 2002 and has been associated with Shrier Associates since 1988. Shrier serves as vice-chair of the Investment Committee and as a board member for the Union for Reform Judaism, and he is also a board director and member of the Investment Committee for the Reform Pension Board. Shrier Associates provides investment management, financial planning, pension consulting, and ERISA 3(21) advisory services to individuals, trusts, businesses, non-profits, and retirement-plan sponsors. The firm employs a long-term, tailored investment approach using strategic asset allocation with low-cost mutual funds and ETFs, supplemented by other vehicles, and offers both discretionary and non-discretionary portfolio management.

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.

Donald Sienkiewicz is a CFP® with three years of industry experience, currently with J.R. Prunier Capital Management LLC. His prior roles include positions at Professional Advisory Services, Inc., Advocates Financial LLC, and a long tenure with Estate Preservation & Planning. Outside of his advisory work, he manages First Light Neighborhood, LLC, which owns a cluster subdivision near his home in New Hampshire, and serves as a trustee for an irrevocable life insurance trust. J.R. Prunier Capital Management provides discretionary portfolio management, financial planning, and pension consulting to individuals and retirement plans. The firm tailors portfolios based on client goals and risk tolerance, uses fundamental analysis and modern portfolio theory, and operates under discretionary authority with quarterly reporting.

Kyle Swaim is a financial advisor at Bartholomew & Company Wealth Management, LLC with four years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Commonwealth Financial Network, Granite Financial Partners, and Ten Broeck Insurance Group. Outside of his advisory role, he owns New England Trapper, an online clothing sales business, and operates an auto detailing service in Pepperell, MA. Bartholomew & Company Wealth Management provides discretionary and non-discretionary asset management and financial planning services to institutional clients and individual investors. The firm employs an institutional research process and model portfolios that combine active, passive, and core-satellite strategies, with emphasis on fixed income, municipal bonds, and ESG-oriented approaches.

Christopher Laura Tenecela is a financial advisor with Bartholomew & Company Wealth Management, LLC in Worcester, MA. He holds a Series 66 designation and has one year of industry experience. Prior to joining Bartholomew, he gained experience at Commonwealth Financial Network and Northeast Bank. Bartholomew & Company Wealth Management provides discretionary and non-discretionary asset management and financial planning to institutional clients and individual investors. The firm uses a combination of active, passive, and core-satellite investment strategies, with an emphasis on fixed income, municipal bonds, and ESG-oriented approaches.

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.

Nancy Scott is a CFP® professional with 19 years of industry experience. She is currently with Bartholomew & Company Wealth Management, LLC and has been associated with Bartholomew and Company, Inc. and Commonwealth Financial Network since 2006 and 2007, respectively. Her other business activity includes providing fixed insurance services through Bartholomew and Company as an agent. Bartholomew & Company Wealth Management, LLC offers discretionary and non-discretionary asset management and financial planning services to institutional clients and individual investors. The firm uses an institutional research process and model portfolios combining active, passive, and core-satellite strategies, with emphasis on short-term, high-grade fixed income, municipal bonds, and ESG-oriented approaches.

Adam Waitkevich is a financial advisor at Concord Wealth Partners with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Morgan Stanley and Coppertree, LLC. He is also the principal owner of Divorce Financial Solutions, LLC, providing financial forecasting reports for divorcing couples. Additionally, he serves as a board member of the nonprofit Kevin Youkilis Hits for Kids. Concord Wealth Partners is a team-based registered investment adviser managing over $1 billion for individuals, corporations, trusts, estates, and charitable organizations. The firm offers tailored financial planning, discretionary portfolio management, and retirement plan consulting, utilizing a range of investment strategies including mutual funds, ETFs, alternatives, and structured products.

Kyle Cornell is a financial advisor at Bartholomew & Company Wealth Management, LLC with eight years of industry experience. He holds a Series 66 designation and has previously worked at Merrill Lynch and Commonwealth Financial Network. Bartholomew & Company Wealth Management, LLC serves a mix of institutional clients and individual investors, offering discretionary and non-discretionary asset management, financial planning, and retirement-plan consulting. The firm employs an institutional research process and uses model portfolios blending active, passive, and core-satellite strategies, with a focus on fixed income and municipal bonds.

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.