Bhavneesh Sharma is a financial advisor with Integrity Advisors LLC in Burlington, MA, holding a Series 65 designation and 10 years of industry experience. He has held roles at firms including FATrader and Vasuda Indices, and he is co-founder and Co-CEO of DataFlynk.AI LLC, a software development company. He has also contributed to Seeking Alpha since 2015. Integrity Advisors LLC provides discretionary portfolio management and holistic financial planning to individuals, high-net-worth clients, and corporations. The firm focuses on equity and ETF investments, with an emphasis on healthcare sectors, and integrates financial planning through a cloud-based platform combining cash-flow analysis, retirement projections, and tax-efficient strategies.

Richard Karlen is a financial advisor at Millenium Financial Services in Peabody, MA, with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Essex Securities LLC since 2004. Outside of his advisory work, he is also an insurance broker. Millenium Financial Services provides personalized financial planning and investment management to individuals, trusts, estates, charitable organizations, small businesses, and pension and profit-sharing plans. The firm manages advisory relationships on a non-discretionary basis and employs a strategic asset allocation approach combining passive index funds and ETFs with selected active holdings.

Patricia Rosen is a CFP® credentialed financial advisor with eight years of industry experience. She is the principal and sole advisor at Access Financial Planning, LLC, an independent firm based in Newburyport, MA. Prior to founding her firm, she worked at LPL Financial for one year. Access Financial Planning, LLC provides personalized, fee-only financial planning and investment advisory services to individuals, families, and small businesses. The firm offers comprehensive planning in areas such as retirement, tax, estate, cash-flow, and risk management, and uses a mix of fundamental, technical, and passive investment strategies implemented through institutional and no-load mutual funds, ETFs, and individual securities.

Laurence Lamagna is a financial advisor with BostonNorth Financial Services, Inc., holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with Boston North Financial Services and Commonwealth Equity Services since 1999. Outside of advisory services, he operates a fixed insurance sales sole proprietorship and serves as president of Boston North Financial Services, Inc. BostonNorth Financial Services is a small, independent advisory firm serving individuals, high-net-worth clients, retirement and corporate pension plans, charitable institutions, and trusts. The firm provides customized financial plans using a variety of analytical methods and typically charges hourly or fixed fees without discretionary trading or custody of client assets.

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.

Kenan Nacar is a CFP® professional with 14 years of industry experience, currently serving as the sole advisor at Charles River Wealth Management, LLC since 2017. Prior to this, he worked at Sagamore Wealth Management for six years. He is involved with the Rotary Club of Winchester as a board member and holds limited partnership roles in local sports training facilities. Charles River Wealth Management provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, estates, and charitable organizations. The firm employs a long-term investment approach focused on diversified portfolios constructed primarily from mutual funds and ETFs, with ongoing oversight and an institutional relationship for custody and trade execution.

Christopher Lazzaro is a financial advisor with Plan For It Financial, LLC, holding the ChFC® designation and Series 63 license. He has 22 years of industry experience, including over two decades at Looms, Sayles & Company before founding his independent firm in 2023. Plan For It Financial, LLC is a fee-only advisory practice focusing on comprehensive financial planning for individuals, including high-net-worth clients. The firm emphasizes written financial plans with a globally diversified, low-cost, passive investment approach and does not provide discretionary portfolio management or custody of client assets.

Jeffrey Shank is a financial advisor at Andover Advisory Group with over 44 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to his current role, he has been associated with Cambridge Investment Research Advisors since 2014. Outside of his advisory work, he serves on the board of the Kiwanis Club of Greater Lawrence and hosts a weekly live radio show and podcast. Andover Advisory Group provides comprehensive financial planning and tax preparation services to individual and high-net-worth clients, focusing on written plans covering investments, taxes, estate, and retirement issues. The firm emphasizes client risk assessment and asset allocation based on Modern Portfolio Theory but does not recommend specific securities or exercise investment discretion.

Kimberley Feeney Zollo is a Certified Financial Planner® with 17 years of industry experience. She has been with Essex Capital Management since 2012. Outside of her advisory role, she serves as an adjunct professor at North Shore Community College, teaching math, financial management, and macroeconomics courses. Essex Capital Management is an independent, fee-only firm serving individuals, families, trusts, estates, charitable organizations, and businesses. The firm offers discretionary portfolio management and financial planning, focusing on diversified, asset-allocation driven portfolios using mutual funds, ETFs, individual securities, and non-correlating assets.

Ryan Wilson is a CFP® professional with 13 years of industry experience and has been the sole advisor at Wilson Capital, LLC since 2012. He holds Series 63 and Series 66 licenses and operates his independent advisory firm from Swampscott, MA. Wilson Capital provides fee-based investment advisory and financial planning services to individuals, trusts, and small-business profit-sharing plans. The firm applies a tactical allocation strategy based on fundamental analysis, offering discretionary portfolio management tailored to client objectives, including accommodating client-imposed investment restrictions.

Kannan Ramasamy is the principal advisor at Garch Capital LLC, an independent firm based in Andover, MA. He holds a Series 65 designation and has eight years of industry experience. His prior work includes roles at Vay Network Services Private Limited, Clayfin Technologies Private Limited, and Adarsh LLC. Garch Capital manages separately managed accounts for individual and corporate clients, focusing on long-only US equities through a model-driven investment process based on technical analysis and relative price performance. The firm emphasizes transparency in fee arrangements and supports business accounts with a corporate-level operational structure.

Timothy Mortellite is the sole advisor at Timothy Charles Financial, LLC, with 32 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Brokers International Financial Services LLC from 2009 to 2017. In addition to his advisory role, he is an independent insurance agent involved in the sale of fixed insurance products. Timothy Charles Financial, LLC provides discretionary investment management and financial planning services to individuals, high net worth individuals, trusts, and estates. The firm employs a long-term, fundamental investment approach using low-cost, diversified ETFs and mutual funds, managing approximately $98.5 million in client assets across about 177 client relationships.

Steven Caron is the principal advisor at Old School Capital LLC, an independent investment advisory firm based in Andover, MA. He holds a Series 65 designation and has 24 years of industry experience. Caron has led Old School Capital since 2001. He is also a practicing CPA, and his firm has an operational affiliation with a separately owned accounting practice that results in reciprocal recommendations. Old School Capital primarily serves individual and high-net-worth clients, as well as pension and profit-sharing plans, charitable organizations, banking institutions, and other businesses. The firm provides portfolio management, financial planning, pension consulting, and general advisory services, using fundamental, quantitative, and qualitative analysis methods to develop personalized investment policies and monitor third-party managers.

David Choi is a financial advisor at Ingeniq Capital in Bedford, MA, holding a Series 65 designation with three years of industry experience. Prior to founding Ingeniq Capital in 2023, he worked at Corza Medical and GCP Applied Technologies. Ingeniq Capital provides financial planning, discretionary investment management, and advisory services to individuals, families, trusts, estates, business owners, and charitable organizations. The firm emphasizes a fiduciary approach using a Modern Portfolio Theory framework with passive, low-cost index funds and ETFs, while also offering tax-preparation assistance, financial consulting, and educational programs.

Kenneth Nagy is a financial advisor at Northeast Equity Research Inc. with 20 years of industry experience. He holds the Series 63 and Series 65 designations and has led his independent firm since 2010. Outside of advising, Mr. Nagy consults for Zacks Investment Research on a crowdfunding research platform and teaches college courses at Salem State University and Endicott College. Northeast Equity Research provides fee-based, non-discretionary asset management to individuals, small-business owners, charities, and high-net-worth clients. The firm combines fundamental, technical, and cyclical analysis with Modern Portfolio Theory principles, emphasizing tailored Investment Policy Statements and coordinated management of held-away 401(k) assets.

Holly Colvin is a CFP® and CFA® credentialed financial advisor with 13 years of industry experience. She has been the principal of Helm Financial Planning LLC since 2015. Helm Financial Planning provides investment management and financial planning services to individuals, high-net-worth clients, trusts, and estates. The firm employs a long-term, diversification-focused investment approach grounded in modern portfolio theory and fundamental analysis, with portfolios tailored to client objectives, tax considerations, and liquidity needs.

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.

Michael Caputo is a financial advisor at Vitale & Caputo Wealth Management LLC with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Massachusetts Mutual Life Insurance Company, Metlife Securities, and Baystate Wealth Management. Outside of financial advising, he is the owner of the CPA firm Caputo & Company, PC. Vitale & Caputo Wealth Management LLC provides financial planning and refers individual and high-net-worth clients to third-party investment advisers for portfolio management. The firm does not manage client assets directly but offers one-time financial plans and conducts annual reviews of client-advisor relationships.

Brian Bond is a CFP® with seven years of industry experience, currently serving as the sole advisor at Leverage Financial Advisory in Wilmington, Massachusetts. Prior to founding his firm in 2018, he worked at Boston University and Sage Hospitality. He serves on the Board of Trustees for the Lowell House Condominium Trust in Somerville, Massachusetts, a non-compensated volunteer role. Leverage Financial Advisory provides investment supervisory and financial planning services to individuals, couples, business entities, and employer-sponsored retirement plans, with a focus on hospitality professionals and small business owners. The firm employs a structured client process and a mix of strategic and tactical asset-allocation strategies, including active elements such as momentum investing and options, and is notable for its ERISA-aware retirement plan consulting and participant education services.

Like so many of the great XYPN financial advisors you’ll find on this platform, I founded Andante Financial to provide best-in-class, independent financial planning and investment management services. But what makes my firm unique? Here’s three things to start: -After-tax performance is never an afterthought We use robust tax-loss harvesting tools and processes to enhance your after-tax returns. -Investment management: we take it personally We construct personalized investment portfolios for each client; none of our investment management is outsourced or “copy and paste”. -Our values go beyond an account statement 10% of Andante Financial fees are donated to charity and we donate to charities that clients care about so we can redefine "shared values" When I work with a client, I take the responsibility of helping them protect and grow the fruits of their labor seriously; I earned my CFP®, CFA, and CPA marks to expand my knowledge and make the most of any opportunity I get to help a client succeed. But my favorite part of this work is curating a network of clients that I truly enjoy working with and rooting for. Please reach out for an intro call – I’ll enjoy the opportunity to chat and help you get the right person in your corner, whether its me or not.