Christopher Kondracki is the principal and sole advisor at Kondracki Advisory, LLC, an independent registered investment adviser based in Hingham, MA. He holds Series 63 and Series 65 licenses and has 13 years of industry experience, operating his firm since 2012. Kondracki is also a licensed insurance agent and occasionally offers insurance products to clients. Kondracki Advisory, LLC manages approximately $70 million for around 186 clients, providing discretionary investment supervisory services and tailored portfolio management that includes equities, bonds, mutual funds, ETFs, and insurance products. The firm uses fundamental analysis with both long- and short-term trading strategies and serves individual and charitable organization clients.

Planning for what's NEXT My goal as a Financial Planner with NEXTEN FP, is to partner with you in building towards your vision for the Next Ten years. Why the Next Ten? Looking ahead ten years offers a motivating perspective. It is close enough to inspire action, while allowing time for progress. We meet you where you are so that you can move forward confidently in planning for where you want to go. Our Planning Process At NEXTEN FP, we build relationships that clients value with our LEAP process: -> Listening: To your story and the journey that brought you here. -> Exploring: Your goals for the life you are building. -> Aligning: Your wealth through a collaborative, goals-based planning process. -> Progressing: Together, offering guidance and support along the way. Focused on your next ten years, we operate with a less is more philosophy, distilling planning topics to their core so that you can see, plan and act with clarity. You can expect focused language and clear visuals designed to engage you before giving your attention back to what matters most. Who We Serve We work with individuals and families who want to be more intentional with their wealth, supporting their vision for the decade ahead. If you are ready to start planning, we provide fee-only expertise to help you in moving forward.

Brian McGivern is a financial advisor with Stonestreet Financial, Inc., holding a Series 66 designation and 18 years of industry experience. Prior to joining Stonestreet Financial in 2017, he worked at Cambridge Investment Research Advisors, Inc. and Cambridge Investment Research, Inc. He is also president of CFO Strategies Inc., which provides QuickBooks training, and serves as a business development consultant and accountant for Brenda J. McGivern, P.C., a CPA firm. Stonestreet Financial serves individual and high-net-worth clients as well as pension and profit-sharing plans, offering portfolio management, financial planning, and pension consulting services. The firm utilizes a goals-based investment process with both discretionary and non-discretionary arrangements, and it has a focus on pension consulting and employer plans.

David Trott is the sole advisor at Aragorn Ltd., an independent firm based in Milton, MA. He holds Series 63 and Series 65 licenses and has 21 years of industry experience. In addition to his financial advisory work, he is the president and owner of a law firm that provides tax, business, and estate planning services. Aragorn Ltd. offers financial planning, consulting, and discretionary investment management to individuals and a variety of institutional clients, including pension plans, trusts, and charitable organizations. The firm customizes portfolios based on clients’ risk tolerance and time horizon, employing fundamental, technical, and cyclical analysis to allocate assets across multiple categories.

Stephen Gorman is the principal advisor at Gorman Financial Management in Hingham, MA, with 32 years of industry experience. He has served at his firm since 1992. Gorman Financial Management provides fee-only comprehensive personal financial planning, investment monitoring, and financial consulting for individual clients and families. The firm focuses on a Modern Portfolio Theory approach using pooled investment vehicles and does not accept discretionary authority over client accounts.

Matthew Lurvey is a CFA charterholder and the sole advisor at PnL Investments, an independent firm based in Dover, MA. He has seven years of prior experience at Santander Bank and three years as a self-employed professional before founding his current firm. PnL Investments manages approximately $1.5 million in discretionary assets for seven clients, offering actively managed, tactical portfolio management alongside financial planning and consulting services. The firm serves a diverse client base including trusts, estates, charitable organizations, and family offices, employing a range of techniques such as technical and fundamental analysis and utilizing equity securities, ETFs, and hedging strategies.

David Quinn is a financial advisor with Targeted Equity Consulting Group in Scituate, MA, holding Series 65 and Series 63 licenses and 24 years of industry experience. He previously worked for Stifel Nicolaus & Company for 15 years before focusing on his independent practice. Outside of advising, he is involved with 3Step Sports LLC. Targeted Equity Consulting Group provides portfolio management and pension consulting services to pension and profit-sharing plans, high-net-worth individuals, and business entities. The firm emphasizes equities and non-U.S. securities, using a variety of analytical approaches and strategies while tailoring investment policy statements to clients’ goals and risk tolerance.

Felix Betro is the principal of Betro Mileszko & Company with 18 years of experience in financial advising. He also serves as president of Betro and Company, P.C., a certified public accounting firm, and operates the Law Offices of Felix S. Betro, focusing on estate planning and commercial law. Betro Mileszko & Company provides investment advisory and portfolio management services primarily to individuals, high-net-worth clients, profit-sharing plans, and trusts. The firm emphasizes individualized strategies developed through personal consultations and fundamental analysis, typically using no-load mutual funds and exchange-traded funds.

Charles Hoilman is a financial advisor with MHA Financial Corp in Westwood, MA, holding Series 63 and Series 65 credentials and over 55 years of industry experience. He has been with MHA Financial Corp since 1977 and is also involved with Four Points Capital Partners LLC, New Frontier Partners LLC, and M&A Counselors and Fiduciaries LLC. Outside of his advisory work, he serves as an attorney at M&A Counselors and Fiduciaries LLC and is involved in managing real estate investments through New Frontier Partners LLC. MHA Financial Corp provides personalized financial planning and portfolio management to individuals, trusts, estates, and small businesses. The firm employs a core-and-satellite investment approach combining passively managed index and ETF core holdings with actively managed funds and individual securities, and offers both discretionary and non-discretionary advisory services.

Joseph McCarthy is a CFP® with 43 years of industry experience, currently serving as an advisor at AFG Fiduciary Services. He has worked at Purshe Kaplan Sterling Investments, Inc. and Wells Fargo Advisors Financial Network, LLC. In addition to his advisory role, he is involved in selling fixed income annuities and insurance. AFG Fiduciary Services provides discretionary portfolio management, financial planning, and retirement-plan advisory services to individuals, high-net-worth clients, families, trusts, businesses, and retirement plans. The firm employs a primarily long-term, fundamental-analysis investment approach and offers tailored, holistic engagement solutions.

Susan Skahan is an Investment Advisor Representative with AFG Fiduciary Services, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She has worked at Purshe Kaplan Sterling Investments, Inc. since 2021 and was previously with Wells Fargo Advisors Financial Network from 2015 to 2021. AFG Fiduciary Services provides discretionary portfolio management, financial planning, and retirement-plan advisory services to individuals, high-net-worth clients, families, trusts, businesses, and retirement plans. The firm employs a primarily long-term, fundamental-analysis approach to portfolio construction while maintaining flexibility for shorter-term adjustments and leverages various investment tools as appropriate.

Andrew Sokol is a financial advisor with Bluebird Wealth Management LLC in Medfield, MA. He holds the Series 65 and Series 63 designations and has four years of industry experience. His prior roles include positions at Darling Consulting Group and Putnam Investments. Bluebird Wealth Management serves individual and high-net-worth clients as well as charitable organizations, providing fee-only financial planning and discretionary portfolio management. The firm emphasizes ongoing advisory relationships and integrates financial planning with portfolio oversight, using a mix of modern portfolio theory and both fundamental and quantitative analysis.

Brett Goverman is a CERTIFIED FINANCIAL PLANNER™ professional with 10 years of industry experience, currently serving at Financial Solutions Associates since 2016. He holds the Series 65 designation and works out of Dedham, MA. Financial Solutions Associates is an SEC-registered advisory firm that provides personalized financial planning and discretionary investment management to individuals, high-net-worth clients, trusts and estates, small businesses, retirement plan participants, and charitable organizations. The firm manages approximately $172 million in discretionary assets, employing a strategic asset allocation approach that combines actively and passively managed funds, tactical allocations, and periodic portfolio rebalancing.

Robert Clary is a financial advisor at Clary Financial, Inc. with 49 years of industry experience. He holds Series 63 and Series 65 designations and has a background that includes roles at McNeish, Delorey Inc., North Easton Savings Bank, and his own insurance planning business. He is also a director at North Easton Savings Bank. Clary Financial, Inc. is an independent registered investment adviser that provides retirement and financial planning as well as discretionary portfolio management to individuals, trusts, retirement plans, and corporations. The firm manages approximately $92.9 million in assets and serves 439 clients, focusing on long-term, fundamental-analysis-based portfolios primarily composed of no-load mutual funds and ETFs.

Gina Szigety is a CFP® with five years of industry experience, currently serving as a financial advisor at Sound View Financial Advisors. She has been with the firm since 2014. Sound View Financial Advisors serves individuals and families, trusts, estates, charitable organizations, small businesses, and employer plan sponsors with personalized financial planning and investment management. The firm employs a strategic asset-allocation approach that combines passive and actively managed no-load mutual funds and ETFs, emphasizing global diversification and fundamental analysis.

Jessica Scola is a CFP® and holds a Series 65 license, with three years of industry experience. She has worked at Sound View Financial Advisors since 2024 and previously spent two years with Montis Financial, LLC. Prior to her financial career, she spent over a decade with Mary Kay Cosmetics. Sound View Financial Advisors serves individuals, families, trusts, estates, pension and profit-sharing plans, charitable organizations, and small businesses, offering comprehensive financial planning and discretionary investment management. The firm utilizes a strategic asset allocation approach with a blend of passive and active funds and operates on a fee-only basis without account minimums.

Jonathan Asher is a financial advisor at Exemplar Wealth Partners LLC with one year of industry experience. He holds a Series 65 designation and has served as a volunteer in Hingham Town Government for 18 years. Exemplar Wealth Partners serves individual and high-net-worth clients as well as charitable organizations, providing discretionary portfolio management and standalone fixed-fee financial plans. The firm uses a client-specific Investment Policy Statement and multiple analysis methods combined with a long-term trading orientation to tailor portfolios to clients’ goals and risk tolerance.

Akhil Shah is an advisor at Holmes Investment Management, Inc. with a Series 65 designation. He has been with Holmes Investment Management since 2023. Prior to his current role, Akhil’s background includes positions at Boston University, Bansal Infraprojects Private Limited, Atharva Real Infra Pvt. Ltd., Avenues Payments Ltd., Angel One Pvt., and studies at the London School of Economics. Holmes Investment Management provides portfolio management and financial planning services to individuals, trusts, estates, charitable organizations, and business entities. The firm combines individualized asset-allocation advice with factor-based equity model portfolios and employs advanced trading techniques such as margin borrowing, short sales, options strategies, and derivatives for approved clients.

Liam Timmons is a CFP® with 18 years of industry experience and the sole advisor at Timmons Wealth Management, a firm he has led since 2012. Based in Attleboro, MA, he holds a Series 65 license and focuses on comprehensive financial planning and investment management. Timmons Wealth Management provides discretionary investment management and integrated financial planning to individuals, small businesses, and charitable organizations. The firm manages approximately $145 million in discretionary assets and emphasizes customized asset allocations combined with fundamental and macroeconomic analysis, integrating individualized financial planning into its wealth management services.

Matthew Di Ruggiero is an investment advisor representative at Generations Retirement Group, LLC with eight years of industry experience. He holds the Series 63 and Series 66 designations and has previously worked at AE Wealth Management, Citizens Securities, and MassMutual Life Insurance Company, among others. He serves as a board member and manages social media for My Brother’s Keeper Food Pantry. Generations Retirement Group provides investment advisory and managed-account services to individual and high-net-worth clients, utilizing a goal- and risk-driven investment process that includes asset allocation, dollar-cost averaging, and technical analysis. The firm supports both discretionary and non-discretionary management and may recommend unaffiliated sub-advisors.