Maureen Demers is a CFP® and holds a Series 63 license with 17 years of industry experience. She has been the principal of Demers Financial Planning since 2008 and has worked in financial services since 1998. The firm provides holistic financial planning and wealth management primarily to pre-retirees and retirees with at least $1 million in investable assets. Demers Financial Planning offers comprehensive planning, portfolio management including third-party asset managers, and limited-scope financial reviews, emphasizing asset allocation and a long-term buy-and-hold investment philosophy.

Scott French is the owner of French and Skloff Investment Advisors, LLC and holds experience primarily as a CPA with Giardina & French CPAs, LLC since 2011. He is also an owner and investor in Amigo Keeper LLC, a provider of bookkeeping and IT services. French and Skloff Investment Advisors is an independent asset manager serving institutional and individual clients with portfolio management and financial planning through separately managed accounts. The firm employs a value-oriented, fundamental bottom-up research process combined with top-down macro analysis, offering diversified portfolios and specialized strategies including a hedged equity product with a dynamic covered-call overlay.

Susan Parigian is a CFP® with 24 years of experience and is affiliated with Geld Financial Advisors, Inc. She has worked at Saba, Colman & Hunt, P.C., a certified public accounting firm, since 1994, where her principal duties include tax preparation, tax research, and accounting services. Geld Financial Advisors, Inc. primarily serves high-net-worth individuals by facilitating referrals to independent registered investment advisers and custodians for portfolio management. The firm does not manage client assets or provide direct advisory services but focuses on assessing client needs and coordinating introductions.

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.

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.

Brian Eddy is a CFP® and holds a Series 65 license, with 11 years of industry experience. He has been the sole advisor at Eddy Company, LLC since 2014, an independent firm based in Beverly, MA. Eddy Company primarily serves individual investors, offering portfolio management alongside tax preparation services for various client types, including individuals, couples, and small business entities. The firm manages portfolios on a non-discretionary basis using exchange-traded funds and fixed-income instruments, emphasizing diversification and long-term investment horizons.

Jac Bentley is a financial advisor with Bentley Wealth Management, LLC in Marblehead, MA, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He has worked at Globalist Capital, LLC since 2012 and operates Bentley Financial, LLC, where he is involved in insurance products including fixed annuities, life, disability, and long-term care insurance. Bentley Wealth Management serves individuals, trusts, estates, businesses, and retirement plans with financial planning and customized investment advisory services. The firm emphasizes scientifically informed, globally diversified portfolios focused on risk control and offers both fee-based advisory services and insurance products.

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.

John Boyle is a financial advisor at Lennox Financial in Swampscott, MA, with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Fox Advisor Group and FOX & Company Investments Inc. since 1990. Lennox Financial provides discretionary investment management to individuals, multi‑generation families, IRAs, trusts, and business owners using a blend of macroeconomic analysis, technical analysis, and fundamental research, supported by proprietary tools. The firm manages a small client roster with a focus on portfolio management and employs specialized hedge accounts with risk-controlled strategies.

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.

Richard Doron is a financial advisor at SmartStreet Investments with five years of industry experience. He holds Series 63 and Series 65 designations and previously worked at BNY Mellon Investment Management and Integrity Park Inc. before founding SmartStreet Investments. SmartStreet Investments provides discretionary investment management to individual investors, retirement plans, trusts, charitable organizations, foundations, and corporate clients. The firm combines a top-down macroeconomic framework with modern portfolio theory, employing both qualitative and quantitative research to construct customized portfolios that include equity, fixed income, digital-asset ETFs, and blended strategies.

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.

Michael Caputo is a financial advisor at Vitale & Caputo Wealth Management LLC in Middleton, MA, with 18 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Mass Mutual Investors Services and Baystate Wealth Management. In addition to his advisory role, Caputo is the owner of Caputo & Company, PC, a CPA firm, and a managing member of S.M. Equipment LLC, a leasing company. Vitale & Caputo Wealth Management provides one-time financial planning and solicitation services primarily to individuals and high-net-worth clients, referring them to third-party advisers for ongoing portfolio management. The firm does not maintain client accounts or manage assets directly.

Eric Martin is a financial advisor at Oxford Martin, LLC with five years of industry experience. He holds Series 63 and Series 66 designations. Prior to founding Oxford Martin in 2021, he worked at Fidelity Investments and has experience in accounting and tax services, as well as roles in education and other business ventures. Oxford Martin is an independent firm that provides discretionary investment management and financial planning services to individuals and high-net-worth clients. The firm uses customized portfolio strategies focusing on individual equity selection, complemented by mutual funds, ETFs, bonds, and cash, and employs fundamental, technical, and cyclical analysis with a primarily long-term investment approach.

Anthony Gates is a CFP® and PFS™ with 20 years of industry experience. He has been with FG&G Financial Services, LLC and its predecessor, Farrar Gates & Green LLC, since 2008. FG&G Financial Services, LLC provides investment advisory and financial planning services to individuals, qualified retirement plans, trusts, charitable organizations, corporations, and small businesses. The firm follows a passive, asset-class investment approach grounded in Modern Portfolio Theory and primarily uses Dimensional Fund Advisors funds, with ongoing monitoring and periodic reviews.