Carlos Rodriguez is the sole advisor at Broad Brook Financial in Chelmsford, MA, holding the CFA® designation and Series 63 license with 13 years of industry experience. He previously worked at Voya Financial Advisors for one year in 2014. Broad Brook Financial offers customized financial planning, investment management, and on-demand advice to individual investors and small businesses. The firm emphasizes active asset allocation using primarily passive exchange-traded funds and notes, operating on a non-discretionary basis with regular portfolio reviews.

Eilon Amir is a financial advisor at Brownstone Financial Group LLC with two years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Sakura Partners for seven years and Outcome Capital, LLC for four years. Outside of his advisory work, Amir serves as the volunteer Vice President of the Board for Beit Sasson Sephardic Congregation in Newton, MA. Brownstone Financial Group LLC provides investment advisory and portfolio management services primarily to individual clients, beginning with a tailored written financial plan. The firm emphasizes asset allocation through model portfolios managed by sub-advisers, with ongoing account monitoring and formal quarterly and annual reviews.

James Kieffer is the sole advisor at Rational Frontier Advisors, LLC in Nashua, NH. He holds a Series 65 credential and has 18 years of experience at Rational Frontier Advisors, with an extended career spanning over 45 years at Proforma Financial Group, Inc. Rational Frontier Advisors, LLC provides investment supervisory services and portfolio management primarily for high-net-worth individuals and retirement plan accounts. The firm focuses on asset-class allocation, periodic rebalancing, and portfolio construction using mean-variance optimization, incorporating options-writing strategies as part of its investment approach.

John Olivieri is a financial advisor with North Shore Wealth Management in Westford, MA, holding a Series 65 designation and two years of industry experience. He has worked at North Shore Wealth Management since 2023 and concurrently owns an accounting business, Dermatology Financial Planning dba Docbookkeeping, where he also provides CFO services to Westford Dermatology. North Shore Wealth Management is an independent, single-advisor firm offering discretionary portfolio management, financial planning, and tax/accounting services to individuals and business entities. The firm employs a variety of investment analysis methods and strategies, and uniquely combines advisory services with accounting and CFO work, as well as educational seminars on financial topics.

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.

At Sunflower Financial Planning, we specialize in helping families in the midlife stage navigate complex financial responsibilities with clarity and confidence. Our clients are often balancing competing priorities—saving for their own future, supporting aging parents, and funding college education for their children. We guide them in building long-term wealth while creating financial security today. We also work closely with pre-retirees who are preparing to transition into retirement. Through personalized, comprehensive planning, we help align their resources with their goals, offering strategies for income distribution, tax efficiency, and long-term care planning. Whether you're facing the challenges of the “sandwich generation” or approaching retirement, we’re here to provide thoughtful, fee-only advice designed to support your life—not just your portfolio.

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.

Dan Hagler is a CFP® professional with 32 years of industry experience. He is the owner and CEO of Granite State Retirement Planning, Inc., where he has worked since 2006, and has prior experience with Triad Advisors, Inc. and Osaic Wealth, Inc. He is the creator of The Protected Retirement Process®, a trademarked four-step financial planning process, and co-author of the books *Retire Abundantly* and *Build Wealth Like A Shark*. Granite State Retirement Planning, Inc. serves individuals, trusts, corporations, and employer-sponsored retirement plans with comprehensive portfolio management, a proprietary financial planning process, retirement plan consulting, and referrals to third-party money managers. The firm manages client assets entirely on a non-discretionary basis and offers tailored investment solutions including ETFs, mutual funds, individual securities, and insurance products.

Theodore Svirbly is a financial advisor and founder of T.S. Financial Planning in Derry, NH, with seven years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Northwestern Mutual and Mass Mutual prior to establishing his independent practice. In addition to advisory services, he maintains a fixed insurance agency. T.S. Financial Planning offers investment management, financial planning, and retirement-plan advisory services to individuals, high-net-worth clients, and corporate plan sponsors. The firm provides both discretionary and non-discretionary portfolio management and is notable for its pension consulting and fiduciary services for workplace retirement plans.

Robert Bonacorsi is a CFP® professional with 34 years of experience in financial advisory services. He founded Bonacorsi Wealth Management and has held prior roles at Mike Bonacorsi LLC, LPL Financial, and Cetera Investment Services. He is also the author of a book titled *Retirement Readiness* and engages in public speaking. Bonacorsi Wealth Management serves individual and high-net-worth clients, providing comprehensive financial planning and investment management through both discretionary and non-discretionary approaches. The firm offers customized strategies based on client goals and risk tolerance, utilizing multiple platforms and including a proprietary wrap-fee program with algorithmic model portfolios alongside advisor-driven management.

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.

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.

Drew Kellner is a CFA® charterholder with 20 years of industry experience. He has been with Lumbard & Kellner, LLC since 2005. Lumbard & Kellner, LLC provides discretionary investment management primarily for high-net-worth individuals, trusts, estates, and charitable organizations. The firm follows a value investing approach based on fundamental analysis and manages accounts on a fully discretionary basis.

William Gaudino II is a CFP® with 33 years of industry experience, currently serving as an investment advisor representative at ArborStone Financial, LLC. He previously worked at Ameriprise for 34 years and is also registered as a representative with Purshe Kaplan Sterling Investments, Inc. In addition to his advisory role, he is a licensed insurance agent. ArborStone Financial provides discretionary wealth management and financial planning services to individuals, high-net-worth clients, trusts, and estates. The firm employs a fundamentals-driven, long-term investment approach using model portfolios, ETFs, mutual funds, and individual securities, and oversees client strategies that may include independent managers.

John Lumbard is a CFA® charterholder with 36 years of industry experience. He has been with Lumbard & Kellner, LLC since its founding in 1990. The firm provides discretionary investment management primarily for high-net-worth individuals, trusts, estates, and charitable organizations. Lumbard & Kellner, LLC focuses on value investing through fundamental analysis, using earnings, valuation multiples, dividend yield, and management quality to construct portfolios. The firm manages accounts on a full discretionary basis, employs fixed income and ETFs for income and hedging, and publishes a quarterly market commentary called “Insight.”

Brian Mc Larney is a financial advisor at Merrimack Valley Financial Advisors, Inc. with eight years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Edward Jones and FIDELITY Brokerage Services LLC. Merrimack Valley Financial Advisors serves individual and institutional clients, offering discretionary portfolio management, model portfolios, pension consulting, and comprehensive financial planning. The firm emphasizes client-specific investment policies and uses fundamental, quantitative, and qualitative research to guide long-term investment strategies.

Jennifer Murphy is a CFP® and holds a Series 65 license with 10 years of industry experience. She has been with Advanced Portfolio Design, LLC since 2016. Advanced Portfolio Design serves individuals, families, business owners, trusts, and charities with fee-only asset management and comprehensive financial planning. The firm employs portfolio construction based on asset allocation and Modern Portfolio Theory, offering both active and passive options, with adjustments for tax brackets and cash-flow needs.

Justin Gaudino is a CFP® professional with 11 years of industry experience, currently serving as an advisor at ArborStone Financial, LLC. His prior roles include positions at Ameriprise Financial Services, Mayflower Financial Advisors, Private Client Services, Wells Fargo Advisors, and MFS Fund Distributors. Gaudino is also a licensed insurance agent, dedicating a portion of his time to insurance sales and implementation. ArborStone Financial provides discretionary wealth management and investment advisory services to individuals, high-net-worth clients, trusts, and estates. The firm focuses on fundamental analysis and strategic asset allocation, delivering primarily ETF and mutual fund model portfolios alongside tailored portfolio construction, and offers retirement and estate planning support through third-party specialists.

Kyle Gavin is a financial advisor at Merrimack Valley Financial Advisors, Inc. with one year of industry experience. He holds Series 63 and Series 65 designations. Prior to joining Merrimack Valley Financial Advisors, he worked at McLarney & Company LLC for five years and completed full-time education at Merrimack College. Merrimack Valley Financial Advisors serves individual and institutional clients, offering discretionary portfolio management, model portfolios, pension consulting, and comprehensive financial planning. The firm combines customized and model-based investment solutions with an investment process that includes fundamental, quantitative, and qualitative research, and maintains an affiliation with an accounting firm for client referrals.

Stephanie Griebel is a CFP® professional with 15 years of industry experience. She has been with Davis Wealth Advisors since 2022, following five years at Resolute Financial, LLC. Davis Wealth Advisors serves individuals, including high net worth clients, as well as pension and profit-sharing plans, providing wealth management, financial planning, and business consulting. The firm utilizes a tailored investment approach incorporating mutual funds, ETFs, fundamental analysis, and modern portfolio theory, and is known for its educational seminar program and ERISA 3(38) fiduciary services.