Joshua Paul is a CFP® with 31 years of experience in the financial services industry. He is currently with Bartholomew & Company Wealth Management, LLC and has been affiliated with Bartholomew & Company, Inc. and Commonwealth Financial Network since 1995. He is also involved in fixed insurance sales at his branch location. Bartholomew & Company Wealth Management, LLC provides discretionary and non-discretionary asset management, comprehensive financial planning, and fee-for-service wealth management and retirement-plan consulting to individuals, high-net-worth clients, pension and profit-sharing plans, nonprofits, municipalities, and other institutional clients. The firm uses firm-developed model portfolios and customized asset allocations that combine active, passive, and core-satellite strategies, with an emphasis on short-term, high-grade fixed income and municipal bond strategies.

Peter Boyd is a ChFC®-designated financial advisor with 16 years of industry experience. He is currently the CEO of Apogee Strong Central Massachusetts, LLC, an insurance sales and service firm, and has been associated with Boyd Financial Strategies, Inc. since 2008. At Apogee Strong, he focuses on insurance sales including fixed rate annuities, life insurance, and long-term care insurance. Boyd Financial Strategies, Inc. serves individuals, couples, and related trusts with assets typically between $500,000 and $20 million, providing comprehensive financial planning and both discretionary and non-discretionary investment management. The firm employs a risk-conscious, top-down investment approach that combines fundamental, technical, and charting analysis with longer-term allocation and shorter-term tactical strategies.

Ashley Riley is a financial advisor at Bartholomew & Company Wealth Management, LLC with 10 years of industry experience. She holds a Series 66 designation and has worked at Commonwealth Financial Network since 2016. Riley also engages in fixed insurance sales as a minor part of her business activities. Bartholomew & Company Wealth Management, LLC provides discretionary and non-discretionary asset management, financial planning, and retirement-plan consulting to individuals, high-net-worth clients, pension plans, nonprofits, and municipalities. The firm uses a combination of active, passive, and core-satellite investment strategies supported by institutional research and emphasizes fixed income and municipal bond strategies for institutional and high-net-worth clients.

William Ryan is a financial advisor at Bartholomew & Company Wealth Management, LLC with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with several firms including Ryan Financial Inc. and Commonwealth Financial Network. Ryan is also the owner of WK Ryan Wealth Management, LLC, a private entity involved in securities, advisory, and insurance activities. Bartholomew & Company Wealth Management, LLC provides discretionary and non-discretionary asset management, comprehensive financial planning, and retirement-plan consulting to individuals, high-net-worth clients, pension and profit-sharing plans, nonprofits, municipalities, and other institutions. The firm uses a combination of active, passive, and core-satellite investment strategies supported by institutional research, and offers both standalone financial planning and portfolio management services.

Tara McDermott is a financial advisor at Bartholomew & Company Wealth Management, LLC with 28 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Commonwealth Financial Network and Ryan Wealth Advisors, among other firms. McDermott is also a managing member of Ryan-McDermott Wealth Management LLC, a private entity that facilitates securities, advisory, and insurance business. Bartholomew & Company Wealth Management, LLC provides discretionary and non-discretionary asset management, comprehensive financial planning, and retirement-plan consulting to individuals, high-net-worth clients, nonprofits, municipalities, and institutional clients. The firm employs a combination of active, passive, and core-satellite portfolio strategies supported by institutional research and offers both standalone financial planning and portfolio management services.

Heather Girolamo is a financial advisor with Bartholomew & Company Wealth Management, LLC in Worcester, MA. She holds a Series 66 designation and has 22 years of industry experience. Prior to joining Bartholomew, she worked at Ryan Wealth Advisors, Commonwealth Financial Network, and Ryan Financial Advisors. She is also the owner of Birch City Ventures, LLC, a private entity involved in securities, advisory, and insurance business. Bartholomew & Company Wealth Management, LLC provides discretionary and non-discretionary asset management, comprehensive financial planning, and retirement-plan consulting to individuals, high-net-worth clients, institutions, and nonprofits. The firm uses firm-developed model portfolios combined with active, passive, and core-satellite strategies, emphasizing short-term, high-grade fixed income and municipal bonds for institutional clients.

Devon Cooney is a financial advisor at Bartholomew & Company Wealth Management, LLC with 19 years of industry experience. He holds Series 63 and Series 66 licenses. His prior experience includes roles at Commonwealth Financial Network, SG Wealth Management Group, Cambridge Investment Research Advisors, and Charles Schwab. Bartholomew & Company Wealth Management, LLC provides discretionary and non-discretionary asset management, financial planning, and retirement-plan consulting to individuals, high-net-worth clients, nonprofits, municipalities, and institutional clients. The firm uses a combination of active, passive, and core-satellite strategies with an emphasis on fixed income and municipal bonds, offering both standalone financial planning and portfolio management services.

Donald Sienkiewicz is a CFP® professional with two years of experience currently serving as the sole advisor at J.R. Prunier Capital Management LLC. His prior roles include positions at Professional Advisory Services, Inc., Advocates Financial LLC, and a 13-year tenure at Estate Preservation & Planning. Outside of advisory work, he manages a land development LLC in New Hampshire and serves as a trustee for an irrevocable life insurance trust. J.R. Prunier Capital Management LLC is an independent registered investment adviser providing discretionary portfolio management and financial planning to individuals, high-net-worth clients, and pension/profit-sharing plans. The firm employs a combination of fundamental analysis and modern portfolio theory to create tailored portfolios and maintains a specialized pension consulting practice for employee benefit plans.

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.

Robert Richard is a financial advisor with Bright Futures Wealth Management, LLC, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at several firms including Cetera Investment Advisers LLC and Silver Oak Securities, Inc., and is also the owner of Assabet Financial Group, which provides tax planning, preparation, and fixed insurance services. In addition to his advisory roles, he serves as a member of the Affordable Housing Committee in Boylston, MA. Bright Futures Wealth Management, LLC offers portfolio management, financial planning, and pension consulting to a range of clients including individuals, trusts, and retirement plans. The firm uses multiple analytical methods and investment strategies, providing both discretionary and non-discretionary services tailored to non-high-net-worth and high-net-worth clients.

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.