Benjamin Thornton is a financial advisor at Unicorn Consulting in Ayer, Massachusetts, with nine years of industry experience. He holds a Series 65 designation and has worked at Unicorn Consulting since 2016 and previously at Dr. Steele Belok, MD from 2013 to 2021. Thornton also operates as an independent insurance agent on a limited basis. Unicorn Consulting provides financial planning and portfolio management primarily to individual clients, using an individualized asset allocation approach with a focus on long-term purchase strategies across various asset classes. The firm manages client portfolios on a non-discretionary basis, requiring client approval for trades and conducting regular account reviews.

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.

Michael Stern is a financial advisor at Arlington Investment Advisors in Arlington, MA, with seven years of industry experience. He holds the Series 63 and Series 65 designations and serves as the executive officer for Massinvestor, Inc., a publisher focused on the Venture Capital and Private Equity industry. Arlington Investment Advisors offers investment management and financial planning services to individuals, families, and small businesses, emphasizing long-term, index-oriented allocations primarily through ETFs. The firm manages most accounts on a non-discretionary basis and provides educational seminars and access to third-party managers for specialized portfolio diversification.

Mary Koenig is a CFP® with 27 years of experience in financial planning. She has been with Harvard Square Financial Planning since 2012 and previously worked at Tfc Financial Management Inc for 13 years. Her practice focuses on serving clients in the nonprofit community and their families. Harvard Square Financial Planning provides financial planning and investment consultation primarily to nonprofit sector clients. The firm offers non-discretionary, consultative advice emphasizing diversification, tax efficiency, and long-term allocation strategies, without providing discretionary portfolio management or custody of client assets.

Andrea Crowell is a financial advisor at Kearney-Burch Financial Services, Inc. with eight years of industry experience. She holds a Series 65 designation and has been with Kearney-Burch Financial Services and its successor firm since 2005. Kearney-Burch Financial Services, Inc. provides investment advisory services, financial planning, and consultation to individuals, high-net-worth clients, and corporate entities. The firm manages discretionary portfolios using a risk tolerance questionnaire and employs MoneyGuide Pro for planning and portfolio modeling, offering services that include 401(k) advisory and pension consulting.

Sumit Dhanda is the sole advisor at Viraj Capital, LLC, an independent firm based in Cambridge, MA. He holds Series 63 and Series 65 designations and has seven years of industry experience, including six years as a self-employed advisor prior to founding Viraj Capital in 2019. Viraj Capital offers discretionary portfolio management and model portfolio construction focused on technology stocks, ETFs, and options related to the semiconductor industry. The firm employs an aggressive, tactical investment approach that integrates fundamental and technical analysis with short-term trading and hedging strategies, utilizing performance-based fees and derivatives in separately managed accounts.

Adam Sureau is a financial advisor at Okemo Capital Management, LLC with 16 years of industry experience. He holds the Series 66 designation and has been with Okemo Capital Management since 2012. Outside of advising, he is the sole owner and property manager of Brick Capital, LLC, a multifamily real estate business, and is a limited partner in a family planning vehicle that owns a stake in Radant Technologies, Inc. Okemo Capital Management provides investment supervisory services to individual and high-net-worth clients, developing customized Investment Policy Statements and managing diversified portfolios that include mutual funds, equities, fixed income, ETFs, real estate vehicles, hedge funds, private placements, and insurance products. The firm employs a range of strategies from long-term holdings to short-term trading and offers both performance-based and standard fee structures while managing accounts on a discretionary basis.

Yuri Iozzo is a financial advisor with Oltarion Capital LLC and holds a Series 65 designation. He has professional experience primarily outside of finance, including roles at OPKO Health, Sanofi, and the University of Massachusetts Medical School. Oltarion Capital provides non-discretionary investment advisory services and limited-scope financial planning to individuals, high-net-worth clients, corporations, and institutional clients. The firm uses model portfolios focused on mutual funds and ETFs, customizing recommendations to client objectives while excluding cryptocurrencies and leveraged or inverse ETFs.

Enrique Perez is a financial advisor at Mission Park Capital, LLC in Cambridge, MA, holding a Series 65 designation with seven years of industry experience. He has served at Mission Park Capital since 2018 and previously worked at the Massachusetts Housing Finance Agency from 2015 to 2018. Mission Park Capital provides fee-based investment advisory and discretionary portfolio management to individuals and a variety of institutional clients, employing a tactical allocation approach with fundamental analysis. The firm also offers standalone financial planning, college-cost planning, and comprehensive services that include estate plan coordination and tax planning.

Kenneth Hoyt is a CFP® with 11 years of industry experience and is the sole advisor at Hoyt Wealth Management in Westford, MA. He has worked at Origin Financial and Perennial Advisors Group, LLC, among other firms. Hoyt Wealth Management serves individual clients, including high-net-worth individuals, as well as corporations and business entities, providing discretionary portfolio management and a range of financial planning services. The firm focuses primarily on passive investment management using index mutual funds and ETFs, supplemented by various analytical methods, and maintains a small client base with approximately $27.7 million in discretionary assets under management.

Rand Spero is a CFP® professional with 17 years of industry experience, currently serving as the sole advisor at Street Smart Financial, LLC in Lexington, MA. He has been with Street Smart Financial since 2008. Street Smart Financial provides fee-only financial planning and investment management to individuals, trusts, estates, charitable organizations, and small businesses. The firm manages approximately $52 million for about 62 clients using a risk/reward approach focused on diversification, low-cost mutual funds and ETFs, and tactical asset allocation informed by macroeconomic analysis.

John Harrison is a CFP® with 21 years of industry experience and has served as President of Aspire Financial Advisors, Inc. since 2012. He is also a licensed insurance broker specializing in life, health, and fixed or indexed annuities. Aspire Financial Advisors provides fee-based investment advisory and financial planning services to individuals, trusts, estates, charitable organizations, and business entities. The firm emphasizes tactical asset allocation using both fundamental and technical analysis and offers a largely non-discretionary management model with multiple compensation options.

Thomas Fisher is a CFP® professional with 20 years of industry experience and has been the principal advisor at Fisher Financial Strategies since 2005. He operates an independent firm based in Cambridge, MA. Outside of his advisory work, he manages a residential rental property in Cambridge. Fisher Financial Strategies provides fee-only financial planning and investment advisory services to individuals, families, and ERISA pension/profit-sharing plans. The firm emphasizes fundamental, long-term financial planning using low-cost mutual funds and index-based ETFs, delivering advice primarily through discrete written plans with optional implementation assistance.

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.

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.

Adam Nowell is a financial advisor at R3I LLC in Cambridge, MA, holding a Series 65 credential with one year of industry experience. Prior to founding R3I LLC, he worked at Dentsu and Spark Foundry/Publicis, and has been self-employed since 2023. He maintains ongoing professional activities outside of his advisory role. R3I LLC is a state-registered independent advisory firm that provides comprehensive financial planning to individuals, high-net-worth clients, and charitable organizations. The firm focuses on written financial plans and investment analysis without discretionary management, employing a variety of analytical methods alongside Modern Portfolio Theory.

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.

Torrence Harder is the principal of Harder Management Company, Inc. in Lexington, MA, holding a Series 65 designation with 13 years of industry experience. He has been president and sole director of Entrepreneurial Ventures, Inc. since 1986 and serves on the boards of several operating companies across various industries. Harder Management Company provides discretionary investment management to high net worth individuals, pension plans, and IRAs, focusing on fixed-income securities, public equities, and private company investments. The firm emphasizes quality entrepreneurial management and employs a research-driven approach to identify opportunities in senior fixed-income securities, growing public companies, and selective private equity ventures.

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.

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.