Herbert Shanzer is the principal of Shanzer Management, an independent firm he has led since 1995. He holds 31 years of industry experience and is based in Westford, Massachusetts. Shanzer Management provides discretionary portfolio management and investment advice focused on no-load and low-load mutual funds. The firm emphasizes long-term, diversified equity portfolios tailored to clients' written investment objectives and risk tolerances, combining actively managed and passive index funds while managing risk through fund allocation adjustments rather than moving to cash.

Stephen Neumeier is the sole advisor at Neumeier Capital Management, Inc., an independent registered investment adviser based in Concord, MA. He holds the CFA® designation and Series 63 and 65 licenses, with 31 years of industry experience. Mr. Neumeier founded Neumeier Capital Management in 1991 and is also the managing member of Neumeier Partners Management, LLC, which operated a private investment fund from 2003 to 2016. Neumeier Capital Management serves individuals, corporations, employee benefit plans, foundations, and endowments, generally requiring a $1,000,000 minimum account. The firm follows a value-oriented investment approach that uses no-load mutual funds for smaller portfolios and common stocks or other securities for larger accounts, with distinctive practices such as employing borrowing, derivatives, and monthly account reviews.

Steven Fanger is a financial advisor with F.F. Advisors, LLC in Wayland, MA, holding a Series 65 designation and 28 years of industry experience. He operates as the sole advisor at an independent firm. F.F. Advisors serves individuals, trusts, estates, small businesses, and retirement plans by providing discretionary investment management, consulting, and retirement-plan advisory services. The firm constructs customized, primarily long-term portfolios using fundamental analysis and typically employs low-cost mutual funds and ETFs, with selective use of individual securities and legacy positions.

William Spring is a financial advisor at Spencer Brook Asset Management, LLC with 22 years of industry experience. He has been with Spencer Brook Asset Management since 2002. Spring holds a Series 65 designation. Spencer Brook Asset Management provides discretionary investment management and financial planning primarily to high-net-worth individuals and trusts. The firm employs a bottoms-up value investing approach focused on long-term capital appreciation with an equity-income orientation, managing concentrated portfolios tailored to each client’s objectives.

Jeffrey Sinder is a CFA charterholder and principal of AVK Partners, an independent investment advisory firm based in Concord, MA. He has three years of industry experience, including roles at Acadian Asset Management and Wellington Management. AVK Partners provides discretionary investment management and financial planning services to individuals, high-net-worth clients, pension plans, charitable organizations, and businesses. The firm employs a strategic asset allocation approach based on Modern Portfolio Theory, combining passive and active investment vehicles, and offers educational seminars alongside its advisory services.

Justin Green is a CFP® professional with eight years of industry experience, currently operating as the sole advisor at Assist FP in Berlin, MA. He has worked at Four Ponds Financial Planning LLC and GTM Sportswear, and he also owns Be a Wealthy Coach LLC, a separate business offering CFO, business advisory, tax preparation, and tax planning services to solopreneurs and small businesses. He dedicates approximately 20% of his time to this outside activity. Assist FP provides investment management and comprehensive financial planning services to individuals, the self-employed, and small business owners. The firm combines passive portfolio construction and Modern Portfolio Theory with fundamental analysis, managing accounts through a single-advisor relationship and conducting regular reviews.

Alex Rakatansky is a financial advisor and owner of Rakatansky Financial LLC with three years of industry experience. He also owns Rakatansky CPA LLC, a tax and accounting firm where he spends approximately half of his working time. Prior to founding his current firm, he worked at Commonwealth Financial Network and Rakatansky Rakatansky & Associates. Rakatansky Financial LLC provides discretionary wealth management and financial planning services primarily to individuals, including high-net-worth clients, trusts, and estates. The firm’s investment approach emphasizes low-cost, diversified mutual funds and ETFs, fundamental analysis, and a long-term orientation, supplemented by occasional rebalancing and trades tailored to client objectives.

Benjamin Ramsey is a CFP® with eight years of industry experience, currently serving as the sole advisor at Faith and Family Wealth Management. Prior to founding his firm, he worked at Crestwood Advisors and Balanced Rock Investment Advisors and had periods of self-employment. Faith and Family Wealth Management provides wealth management and portfolio management services to individuals, high-net-worth clients, trusts, and estates, integrating comprehensive financial planning into ongoing advisory relationships. The firm employs an evidence-based, long-term investment approach focused on diversified portfolios of low-cost ETFs and mutual funds, managing accounts mostly on a discretionary basis while acting as a fiduciary for retirement accounts under ERISA and the Internal Revenue Code.

Louis Conrad is a CFA® charterholder with 21 years of experience in the financial industry. He has been with COMPASS Wealth Management, LLC since 2007 and previously worked at Bickling Financial Services, Inc. in 2021. COMPASS Wealth Management, LLC provides fee-only wealth management, investment management, and consulting services to individuals, families, and institutional clients such as small businesses, non-profits, and retirement-plan sponsors. The firm’s investment approach focuses on strategic asset allocation using no-load mutual funds, ETFs, and separate accounts, with an emphasis on institutional services including pension consulting and fiduciary advisory.

Christopher Ellis is the sole advisor at Think Ahead Financial Planning in Groton, MA, holding a Series 65 designation with one year of industry experience. He has worked at RTX since 1998, bringing a corporate finance and executive background to his financial planning practice. Think Ahead Financial Planning provides fee-only financial planning and investment advisory services primarily focused on customized planning for individuals and families. The firm employs a collaborative process emphasizing a passive, low-cost, tax-efficient index fund approach without managing assets or executing trades.

Kenneth Posco is a CFP® professional with 21 years of industry experience and over 40 years as a CPA. He operates Investment Management Trust, LLC as its sole advisor. In addition to his advisory work, he owns and runs a separate CPA practice providing accounting, tax, and investment advisory services in Fitchburg, MA. Investment Management Trust, LLC provides discretionary investment management, wealth management, and financial planning primarily to middle-income clients, high-net-worth individuals, trusts, estates, and small businesses. The firm focuses on long-term portfolio construction using ETFs, individual stocks, and other instruments, combining fundamental, technical, and cyclical analysis while avoiding commission-based products and speculative investments.

Benjamin Thornton is a financial advisor at Unicorn Consulting in Ayer, Massachusetts, with nine years of industry experience. He holds a Series 65 designation and has worked at Unicorn Consulting since 2016 and previously at Dr. Steele Belok, MD from 2013 to 2021. Thornton also operates as an independent insurance agent on a limited basis. Unicorn Consulting provides financial planning and portfolio management primarily to individual clients, using an individualized asset allocation approach with a focus on long-term purchase strategies across various asset classes. The firm manages client portfolios on a non-discretionary basis, requiring client approval for trades and conducting regular account reviews.

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.

Carl Goodman is the principal of Goodman Asset Management, Inc. in Framingham, MA, holding the PFS™ designation and Series 65 license with 31 years of industry experience. He has operated his independent advisory firm since 1993 and maintains a separate CPA practice as a sole proprietor. Goodman divides his professional time between financial advisory and accounting services. Goodman Asset Management provides fee-only financial planning and investment management to individuals, trusts, and estates, focusing on fundamental analysis and strategic asset allocation. The firm employs non-discretionary, broadly diversified portfolios and manages approximately $33.6 million in client assets.

Brian Sawyer is the founder and sole advisor of Larchmont Wealth Advisors in Lunenburg, MA, holding a Series 65 credential with 10 years of industry experience. He has managed Larchmont Wealth Advisors since 2015 and also operates Sawyer Automotive, an automotive repair business. Larchmont Wealth Advisors provides financial planning and portfolio management services primarily for individual investors and small businesses. The firm employs a top-down, macro-informed investment approach combined with core-plus-satellite construction and elements of active management, focusing on diversified, tax-conscious portfolios built from low-cost mutual funds, ETFs, and individual securities when appropriate.

Andrea Crowell is a financial advisor at Kearney-Burch Financial Services, Inc. with eight years of industry experience. She holds a Series 65 designation and has been with Kearney-Burch Financial Services and its successor firm since 2005. Kearney-Burch Financial Services, Inc. provides investment advisory services, financial planning, and consultation to individuals, high-net-worth clients, and corporate entities. The firm manages discretionary portfolios using a risk tolerance questionnaire and employs MoneyGuide Pro for planning and portfolio modeling, offering services that include 401(k) advisory and pension consulting.

Adam Sureau is a financial advisor at Okemo Capital Management, LLC with 16 years of industry experience. He holds the Series 66 designation and has been with Okemo Capital Management since 2012. Outside of advising, he is the sole owner and property manager of Brick Capital, LLC, a multifamily real estate business, and is a limited partner in a family planning vehicle that owns a stake in Radant Technologies, Inc. Okemo Capital Management provides investment supervisory services to individual and high-net-worth clients, developing customized Investment Policy Statements and managing diversified portfolios that include mutual funds, equities, fixed income, ETFs, real estate vehicles, hedge funds, private placements, and insurance products. The firm employs a range of strategies from long-term holdings to short-term trading and offers both performance-based and standard fee structures while managing accounts on a discretionary basis.

Kenneth Hoyt is a CFP® with 11 years of industry experience and is the sole advisor at Hoyt Wealth Management in Westford, MA. He has worked at Origin Financial and Perennial Advisors Group, LLC, among other firms. Hoyt Wealth Management serves individual clients, including high-net-worth individuals, as well as corporations and business entities, providing discretionary portfolio management and a range of financial planning services. The firm focuses primarily on passive investment management using index mutual funds and ETFs, supplemented by various analytical methods, and maintains a small client base with approximately $27.7 million in discretionary assets under management.

John Harrison is a CFP® with 21 years of industry experience and has served as President of Aspire Financial Advisors, Inc. since 2012. He is also a licensed insurance broker specializing in life, health, and fixed or indexed annuities. Aspire Financial Advisors provides fee-based investment advisory and financial planning services to individuals, trusts, estates, charitable organizations, and business entities. The firm emphasizes tactical asset allocation using both fundamental and technical analysis and offers a largely non-discretionary management model with multiple compensation options.

Rhonda Murray is the principal of Murray Financial Advisors LLC in North Chelmsford, MA, with 23 years of industry experience. She holds the Series 66 designation and has led her firm since 2002. Murray Financial Advisors serves individuals, families, trusts, estates, and small businesses with financial planning, investment management, tax preparation, and consulting services. The firm uses a customized strategic asset allocation approach combining actively managed and passive funds, ETFs, and select individual equities, managing approximately $50.4 million in discretionary assets for about 52 client households.