Joseph Somerset is a CFA® charterholder with 20 years of experience in the financial industry. He founded and has operated Beantown Financial Advisors LLC since 2003 and previously worked at Bentley University from 2011 to 2017. Beantown Financial Advisors provides personalized financial planning and investment advisory services to individuals, families, trusts, estates, charitable organizations, pension and profit-sharing plans, and small businesses. The firm focuses on strategic asset allocation and global diversification using primarily no-load and low-load mutual funds and ETFs, offering discretionary investment management and limited-scope hourly planning engagements under written agreements.

Maxime Henri Crener is the sole advisor at Shilla Advisory LLC, an independent registered investment adviser. He holds a Series 65 credential and has experience managing a small consulting company. His prior roles include positions at Incap LLC, Harvard Extension School, Columbia University, and L'Oreal USA. Shilla Advisory LLC provides portfolio management and comprehensive financial planning primarily to individual clients, including high-net-worth individuals. The firm utilizes a fundamental analysis and long-term trading approach, offering a range of investment options such as mutual funds, ETFs, REITs, non-U.S. securities, private placements, and venture capital.

Andrea Crowell is a financial advisor at Kearney-Burch Financial Services, Inc. in Bolton, MA, holding a Series 65 designation with nine years of industry experience. She has been with the firm since 2018 and previously worked with its predecessor entity from 2005 to 2018. Kearney-Burch Financial Services, Inc. provides discretionary portfolio management, financial planning, and hourly consultations to individuals, high-net-worth clients, and corporate clients, including 401(k) and pension advisory services. The firm uses model portfolios based on risk tolerance and focuses on asset-allocation strategies primarily through mutual funds, emphasizing American Funds and American Legacy offerings.

Bryan Acuto is a financial advisor at Vital Wealth Strategy, LLC in Princeton, MA. He holds Series 65 and Series 63 licenses and has experience dating back to 2007 through various roles, including with Cunningham & Associates, LLC and Girder City Powersports, Inc. Vital Wealth Strategy provides discretionary portfolio management and comprehensive financial planning to individuals, high-net-worth households, trusts, estates, and charitable organizations. The firm focuses on long-term investment strategies using a range of securities and offers family office services along with coordination with accounting and legal professionals.

Gerald Kochevar is the principal of Kochevar Financial Planning, LLC, an independent advisory firm based in Grafton, MA. He holds a Series 65 credential and has 14 years of industry experience, leading his firm since 2011. Kochevar Financial Planning provides broad-based financial planning services to individuals, trusts and estates, businesses, and charitable organizations. The firm emphasizes long-term, buy-and-hold investment strategies using diversified, cost-efficient index funds and ETFs, and focuses on financial planning and investment consultation without managing client portfolios directly.

Glen Macneil is the sole advisor at MacNeil Capital Management in Littleton, MA. He holds the CFA® designation and Series 63 license, with 21 years of industry experience. He has worked at Fidelity Brokerage Services, Inc. since 1996. MacNeil Capital Management provides discretionary investment supervisory and portfolio management services to individuals, trusts, estates, and charitable organizations. The firm employs a long-term investment strategy informed by fundamental analysis and offers flexibility in trading less-standard securities and aggregating trades for clients.

David Taylor is a financial advisor with Cambridge Trustee Advisors Inc in Sterling, MA, holding 32 years of industry experience. The firm provides discretionary investment management primarily to individuals, trusts, estates, charitable organizations, and occasionally pension or corporate plans. Cambridge Trustee Advisors manages approximately $55.7 million across a small client base, using a combination of fundamental, technical, cyclical, and charting methods within a range of investment strategies. The firm is attorney-owned and formally affiliated with a law firm, offering integrated legal and portfolio management services, particularly for trusts and estates.

Wayne Ushman is a CFA® charterholder with 23 years of industry experience, currently serving at Assabet Advisors, LLC since 2003. He holds a board position with Jeffco Fibres Group, Inc. and is actively involved in several nonprofit organizations, including roles with the Jewish Federation of Central Massachusetts, the Jewish Home for Aged Foundation, and the Worcester Jewish Community Center. Assabet Advisors provides discretionary investment management and consulting services to individuals, retirement plans, trusts, estates, and charitable organizations. The firm employs a scientific approach grounded in modern portfolio theory, focusing on strategic asset allocation and periodic rebalancing using mainly no-load mutual funds and ETFs.

Michael Hogan is a ChFC® credentialed financial advisor with 38 years of industry experience. He has worked at Cutler Capital Management since 2019 and previously held roles at Wellesley Investment Advisors, Foreside Fund Services, and had a brief period of unemployment. Outside of his advisory work, he serves as secretary on the board of Fashion for Friends, a nonprofit focused on mental health awareness and suicide prevention supporting women with breast cancer. 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, and publicly traded REITs, employing both fundamental and technical analysis and using various hedging and leverage techniques tailored to client objectives and risk tolerance.

Melvin Cutler is Chief Investment Officer and Managing Partner at Cutler Capital Management, with 25 years of industry experience. He has been with Cutler Capital Management since 1999 and has been involved with Cutler Associates Inc. since 1972. Outside of his advisory role, Mr. Cutler is a principal in a construction company and a real estate development company, dedicating about 10% of his time to these activities. Cutler Capital Management is a six-advisor SEC-registered firm managing approximately $340 million for individuals, trusts, retirement plans, and private funds. The firm specializes in convertible securities, financial-sector equities focused on community banks, and publicly traded REITs, employing both fundamental and technical analysis alongside hedging and leverage strategies tailored to client objectives.

Nathan De Gregorio is a financial advisor at PenFacs Financial Services holding a Series 66 designation. He has recently entered the industry and has been associated with several related entities including PenFacs Financial Services, The New PenFacs Insurance Agency, and The PenFacs Group. His background includes roles outside traditional advisory positions, such as work with The New Woodshed and BJ's Brewhouse. PenFacs Financial Services, Inc. is a small SEC-registered investment adviser serving individuals and business clients with portfolio management and financial planning. The firm manages approximately $23 million in assets and employs a variety of analytical approaches and trading techniques, primarily implementing strategies through model portfolios and sub-advisers.

Joseph Bourque is an advisor at Worcester Advisors with 12 years of industry experience. He holds Series 63 and Series 65 registrations and has worked at Worcester County Fiduciary Advisors Inc. since 2011 as well as Fidelity Brokerage Services LLC and Fidelity Investments Institutional Services Company, Inc. since 2008 and 1999, respectively. Worcester Advisors provides investment advisory and portfolio management services to individuals, trusts, estates, pension and profit-sharing plans, charitable organizations, and municipalities. The firm uses a fundamental, value-oriented equity approach with an emphasis on risk control and fixed-income management tailored to interest-rate outlooks, and it serves a range of clients including municipal entities and fiduciary roles.

Jacob Wharton is a financial advisor at Worcester Advisors with a Series 65 designation and one year of industry experience. Prior to his current role, he has held various positions including a consultant for small businesses at the Small Business Development Center in Worcester, MA, where he assists business owners in organizing and assembling financial statements. Worcester Advisors provides investment advisory and portfolio management services to individuals, high-net-worth clients, trusts, estates, charitable organizations, pension plans, business entities, and municipal clients. The firm employs a fundamentally driven, value-oriented equity approach and maintains trust-style capabilities, including managing trust accounts and serving municipal clients.

Marcus Green is a financial advisor at GreenPort Capital Advisors with 18 years of industry experience. He holds a Series 65 credential and previously worked for 11 years at Vodia Capital, LLC. GreenPort Capital Advisors offers personalized investment management and comprehensive financial planning services to individuals, trusts, estates, and charitable entities. The firm manages approximately $115.6 million across about 68 client relationships, emphasizing a long-term investment approach that combines fundamental, technical, and cyclical analysis with tax-conscious portfolio management.

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.

Ronald Degregorio is a CFP® and ChFC® with 51 years of experience in financial services. He is the sole advisor at Pen Facs Financial Services in Salem, NH, where he has worked since 1977 and also operates related entities focused on insurance and investment advisory services. Degregorio serves as chairman of the board of USA Hockey and is a council member of the International Ice Hockey Federation, dedicating significant time to governance and the development of hockey. Pen Facs Financial Services provides portfolio management to a small, concentrated client base including pension and profit-sharing plans, trusts, estates, corporations, and individuals. The firm uses both fundamental and technical analysis with primarily non-discretionary account 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.

Christopher Fisher is a CFA® charterholder and holds a Series 63 license with 11 years of industry experience. He has worked at LiveLife Capital Partners LLC since 2017 and previously was with Bigelow, Mergers and Acquisitions. Outside of his advisory role, Fisher is involved with rental property management through non-investment-related activities. LiveLife Capital Partners LLC is an SEC-registered advisory firm managing approximately $372 million for around 260 clients, including individuals, high-net-worth clients, trusts, estates, and retirement plans. The firm employs a long-term, diversified investment approach using low-cost mutual funds and ETFs, while also incorporating individual equities, structured notes, options, and alternative investments as appropriate.