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.

Edward Sherr is a financial advisor with Carl P. Sherr & Co., LLC in Worcester, MA, holding Series 63 and Series 66 licenses and 37 years of industry experience since joining the firm in 1989. Carl P. Sherr & Co. provides investment management and comprehensive financial planning to individuals, trusts, estates, charitable organizations, and small businesses. The firm emphasizes individualized investment policies, asset allocation, and long-term holdings, managing most assets on a discretionary basis with a team approach and centralized oversight.

Justin Griffin is a financial advisor at New Harbor Financial Group, LLC with 14 years of industry experience. He holds a Series 65 designation and has been with New Harbor Financial Group since 2011. Griffin serves as a trustee for the Princeton Land Trust, where he advises the organization, attends board meetings, and conducts site visits to monitor property use and compliance. New Harbor Financial Group serves individual and high-net-worth investors, trusts, retirement plans, charitable organizations, and corporate clients. The firm provides discretionary and non-discretionary investment management using model portfolios that include ETFs, equities, bonds, and option strategies, and offers financial planning and consulting tailored to client needs.

Spencer Lyons is a CFP® with six years of industry experience, currently serving at Carr Financial Group in Worcester, MA. His career includes roles at LPL Financial, Mass Mutual Investors Services, Edelman Financial Engines, and Commonwealth Financial Network. 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 through diversified mutual funds and ETFs, managing approximately $744 million in discretionary assets across a team of seven advisors.

Brian Hawley is a CFA® charterholder with 19 years of industry experience. He is currently with Freedom Investment Management, Inc., where he has worked since 2023. Prior to that, he held roles at 3 D/L Capital Management, LLC, 3D Asset Management, Inc., and Sterling Insurance Solutions, Inc. Freedom Investment Management is an SEC-registered adviser serving retail and institutional clients through discretionary separately managed accounts, model portfolios, financial planning, and turnkey administrative services. The firm uses quantitative, factor-based, and systematic approaches combined with passive index funds and ETFs to construct diversified portfolios and manage risk.

Christopher Carelli is a financial advisor at Carr Financial Group with 22 years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at Private Advisor Group, LLC and LPL Financial. He also acts as an independent insurance agent, periodically selling life insurance and fixed annuity products. 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, with discretionary account management and a family office practice under a separate fee arrangement.

Julianne Hertel is a financial advisor at Cornerstone Planning Group in Worcester, MA, holding the ChFC® designation with 19 years of industry experience. Her prior roles include positions at Dream Big Wealth Strategies, Chan And Dahrooge Financial Group, and Eagle Strategies (NY Life). Outside of her advisory work, she volunteers as a foster caregiver for homeless dogs with Broken Tail Rescue, Inc., and serves on the boards of the MDRT Foundation and the Safe Exit Initiative, a nonprofit focused on ending sex trafficking. Cornerstone Planning Group serves individuals, businesses, and various entities with discretionary portfolio management and comprehensive financial planning. The firm employs a model-based investment approach emphasizing low-cost, passive ETFs and mutual funds, and offers ERISA fiduciary consulting and retirement-plan services.

Michael Preston is a CFP® with 26 years of industry experience, currently serving at New Harbor Financial Group, LLC, where he has worked since 2005. He previously worked at Purshe Kaplan Sterling Investments from 2011 to 2017. Outside of his advisory role, he is a co-owner of New Harbor Acquisition Partners, LLC, a business acquisition search and consulting firm. New Harbor Financial Group serves individual and high-net-worth investors, trusts, retirement plans, charitable organizations, and corporate clients, providing discretionary and non-discretionary investment management alongside financial planning and consulting. The firm employs a range of analytical methods and incorporates derivatives and option strategies within client accounts.

Kathlyn Scheel is a financial advisor with New Harbor Financial Group, LLC in Worcester, MA, holding a Series 66 designation and 13 years of industry experience. She previously worked at Baystate Financial from 2019 to 2022. New Harbor Financial Group provides investment management, wealth management, and financial planning services to individuals, high-net-worth clients, retirement plans, trusts, estates, charitable organizations, and business entities. The firm uses model portfolios and a mix of fundamental, technical, charting, and cyclical analysis, including derivatives and options strategies, to manage discretionary accounts.

Benjamin Cauley is a CFP® with 10 years of industry experience. He has been with Carr Financial Group since 2022 and previously worked at Private Advisor Group, LLC and LPL Financial, LLC. Outside of his advisory role, he is an independent agent selling life insurance and fixed annuity products through ASH Brokerage. Carr Financial Group serves individuals, high-net-worth clients, trusts, estates, charitable organizations, corporations, and retirement plans, offering wealth management, retirement plan consulting, and a family office practice. The firm focuses on strategic asset allocation using diversified mutual funds and ETFs, with selective use of other securities, and manages approximately $744 million in discretionary assets.

John Maher is a financial advisor with New Harbor Financial Group, LLC in Worcester, MA. He holds a Series 65 credential and has two years of industry experience. Prior to joining New Harbor Financial Group, he worked at Gordon Brothers LLC and held various roles at Northeastern University and The TJX Companies Inc. New Harbor Financial Group provides investment management, wealth management, and financial planning services to individuals, high-net-worth clients, retirement plans, trusts, estates, charitable organizations, and business entities. The firm manages discretionary accounts primarily through model portfolios and utilizes a range of strategies including derivatives, options, and ETFs with digital-asset exposure.

Matthew Palmgren is a financial advisor with Capital Analysts, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. He has previously worked at Lincoln Investment Planning, Raymond James and Associates, and Fidelity Investments Institutional Services Company. Palmgren serves on the board of Rutland Youth Soccer, a local youth sports organization. Capital Analysts serves a diverse client base including individuals, high-net-worth investors, retirement plans, trusts, and corporate clients. The firm utilizes an in-house investment management team and proprietary screening processes to manage discretionary and non-discretionary portfolios, offering a range of advisory services through affiliated custodians and a network of advisors.

David Ojerholm is a financial advisor with The AmeriFlex Group in Worchester, MA, holding a Series 66 designation and 18 years of industry experience. His prior roles include positions at Cambridge Investment Research, LPL Financial, and Mass Mutual Investors Services. The AmeriFlex Group is an SEC-registered investment adviser serving individuals, corporations, and retirement plans through a large network of advisory affiliates. The firm offers portfolio management and financial planning services, delivering customized strategies via model asset allocations, discretionary or non-discretionary manager relationships, and both wrap and non-wrap programs.