Stephen Cote is a CFP® and Series 66 holder with 22 years of experience in financial advising. He has been leading Cote Financial Management since 2010. Cote Financial Management is a fee-only advisory firm providing non-discretionary investment advice and integrated financial planning to individuals, trusts, estates, charitable organizations, pension and profit-sharing plans, and business entities. The firm emphasizes diversified, asset-allocation portfolios using efficient-frontier optimization, mutual funds, ETFs, and fundamental research, managing approximately $131.6 million on a non-discretionary basis.

William Rabbitt is a financial advisor with CFS Financial, LLC in Salem, MA, holding a Series 65 designation and 11 years of industry experience. He has previously worked with Truth Capital, LLC and has longstanding involvement with College Funding Services as a college financial aid consultant. Outside of advisory work, he continues his role in college financial aid consulting through College Funding Services. CFS Financial provides investment advisory and portfolio management services primarily to individual clients, employing a long-term, Modern Portfolio Theory–based approach. The firm utilizes ETFs, low-cost mutual funds, and legacy holdings to construct customized portfolios and offers ongoing monitoring and rebalancing aligned with client objectives.

Cayla Orris is a financial advisor at Theory Planning Partners with a Series 65 credential and one year of industry experience. Prior to joining Theory Planning Partners in 2025, she worked at KPMG US for four years and held positions at Duff & Phelps, Sofer Advisors, and Voya Financial. Theory Planning Partners serves small- to mid-size business owners and their executives, as well as individual clients, trusts, and estates. The firm offers executive financial planning, corporate consulting, and investment portfolio management using diversified mutual fund and ETF-based model portfolios with a focus on strategic asset allocation and tax-aware management.

Kevin Nunes is a financial advisor with Rocky Hill Advisors Inc. in Peabody, MA, holding 23 years of industry experience. He has worked with Rocky Hill Advisors since 2002 and also consults with Navis Group, where he assists in drafting internal procedures and controls. Rocky Hill Advisors provides investment management and expert witness consulting to a range of clients including individuals, pension and profit-sharing plans, corporations, trusts, estates, charitable organizations, and Native American tribes. The firm employs a customized tactical allocation approach with an emphasis on rebalancing and downside risk management, primarily managing client relationships on a non-discretionary basis.

Amy Witherbee is a financial advisor at Revolution Capital, Inc with 12 years of industry experience. She holds a Series 65 designation and has been with Revolution Capital since 2013. In addition to her work at Revolution Capital, she is a 50% owner of Sanderling Expat Advisors, a firm providing financial planning and advice to American citizens and green card holders living in France. Revolution Capital offers financial planning and discretionary investment management to individuals, business owners, and trusts, managing approximately $44 million in discretionary assets. The firm serves a small client base with diversified portfolios built from index funds, ETFs, mutual funds, and individual equities, focusing on client goals, risk tolerance, and time horizon.

Gary Coon is a financial advisor at Finer Wealth Management, Inc. in Salem, MA, holding a Series 65 designation with 14 years of industry experience. He has been with Finer Wealth Management since 2011. Finer Wealth Management serves individuals, including high-net-worth clients, as well as pension and profit-sharing plans, trusts, estates, charitable organizations, and corporate entities. The firm provides financial planning, discretionary portfolio management, and integrated wealth management with a focus on tailored risk tolerance and liquidity needs.

Raymond Jacques is a CFP® professional with 40 years of experience in the financial industry. He has been with New England Schooner, Inc. since 1998 and also has a long tenure at Royal Alliance Associates, INC. Outside of his advisory work, Jacques is involved in youth hockey programs, serving as a team director and coach for nonprofit and LLC-sponsored girls and boys hockey teams. New England Schooner, Inc. provides portfolio management, financial planning, and pension consulting to a diverse client base including individuals, retirement plans, trusts, estates, charitable organizations, and businesses. The firm’s investment approach is grounded in fundamental analysis and tailored to client goals and risk tolerance, managing portfolios across various asset classes while maintaining limited discretionary authority.

William Furber is a financial advisor at Park State Asset Management LLC with 40 years of industry experience. He previously worked at Raymond James & Associates for nine years before joining Park State in 2025. He holds Series 63 and Series 65 licenses. Park State provides discretionary and non-discretionary investment management and consulting services to individuals, charitable organizations, profit-sharing plans, and trusts. The firm emphasizes fundamental, business-oriented analysis and long-term ownership, typically focusing Global Equity portfolios on 15–20 high-quality companies while also offering Conservative and Balanced strategies tailored to client needs.

Lonnie Mayer is a financial advisor at Good Harbor Advisors, Inc. with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at LPL Financial and The Investment Center Inc. Mayer also provides administrative support to Good Harbor Advisors. Good Harbor Advisors is an SEC-registered firm serving individual clients, including high-net-worth households, and retirement plans with discretionary portfolio management, financial planning, and pension consulting. The firm manages approximately $334 million in discretionary assets across about 245 client relationships, using tailored investment strategies that include equities, ETFs, mutual funds, and fixed income, supported by model portfolios, third-party sub-advisers, and AI tools.

Michael Capobianco is a financial advisor at MWA Asset Management with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at various firms including Raymond James Financial Services, Wells Fargo Clearing, and Triad Advisors. In addition to his advisory role, he owns and directs Rorcha LLC, a business consulting firm. MWA Asset Management provides discretionary and non-discretionary asset management and financial planning services to individuals, pensions, trusts, estates, and charitable organizations. The firm customizes portfolios based on client objectives and risk profiles, using a combination of internal analysis and third-party research, and conducts regular portfolio reviews.

Joshua Massey is a financial advisor based in Ipswich, MA, with 21 years of industry experience. He holds a Series 65 designation and has been working as an advisor since 1994. Outside of his advisory role, he is a member of Cameron-Elmwood Realty, LLC, where he provides input on lease negotiations and extraordinary issues. His firm offers discretionary investment management services to individuals, high-net-worth clients, trusts, and estates, managing approximately $97 million in client assets. The firm focuses on closed-end fund event opportunities and utilizes borrowing strategies to actively manage portfolios.

Andrew Dinuccio is a CFP® professional with experience at First Light Investment Advisors and several prior firms dating back to 2016. He has worked at First Light since 2026 and previously held roles at First Financial Trust, New England Investment and Retirement Group, DMB Financial, and Commonwealth Financial Group. First Light Investment Advisors provides fee-based, discretionary portfolio management primarily to individual investors, employing a tactical asset allocation strategy that incorporates fundamental, technical, and cyclical analysis. The firm manages approximately $12.4 million in assets across about 41 client relationships and emphasizes hands-on discretionary management rather than external adviser selection or wrap programs.

Grant Spradlin is a financial advisor at First Light Investment Advisors with four years of industry experience. He holds a Series 65 credential and has worked in roles outside of financial advising, including as a consultant for iSOFTSTONE and as Vice President of Product at Composable Prompts, an AI software development company. First Light Investment Advisors provides fee-based discretionary portfolio management to individuals, trusts, estates, charitable organizations, and business entities. The firm employs a tactical asset allocation strategy with customized portfolios and serves primarily individual investors.

Michael Finer is a CFP® professional with 21 years of experience in financial advising. He has been with Finer Wealth Management, Inc. since 1996 and also serves as president and CPA of Finer Financial & Tax, Inc., a firm he founded in 1995. Finer Wealth Management serves individuals, including high-net-worth clients, as well as pension and profit-sharing plans, trusts, estates, charitable organizations, and corporate entities. The firm provides financial planning, discretionary portfolio management, and integrated wealth management, managing approximately $249.7 million in assets for about 244 clients.

Robert Deiana Jr. is a financial advisor at Lighthouse Financial, LLC with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at TQM Wealth Partners and Edward Jones. In addition to his advisory role, he is a licensed insurance agent for annuities, life, health, and long-term care insurance through various unaffiliated insurance companies. Lighthouse Financial, LLC is an SEC-registered investment adviser offering discretionary wealth management, financial planning, and retirement-plan advisory services to individuals, high-net-worth clients, trusts, estates, charitable organizations, businesses, and retirement plans. The firm manages approximately $114 million in client assets and typically constructs diversified, long-term portfolios using ETFs, mutual funds, and individual equities with generally low turnover.

Douglas Soons is a financial advisor with Revolution Capital, Inc in Salem, MA, holding Series 63 and Series 65 licenses and with 26 years of industry experience. He has been with Revolution Capital since 2000. Outside of his primary role, he co-owns Sanderling Expat Advisors, a financial advisory firm serving American citizens and green card holders living in France. Revolution Capital provides financial planning and discretionary investment management to individuals, business owners, and trusts, managing approximately $44 million in discretionary assets. The firm serves a small client base with portfolios built from diversified allocations of index funds, ETFs, mutual funds, and individual equities, emphasizing tailored financial plans and periodic rebalancing.

Russell Obrien is a financial advisor at Nu Paradigm Investment Partners L.L.C. with 11 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Aberdeen Standard Investments, Inc. and Wall Street Access Asset Management. He has been with Nu Paradigm since 2014. Nu Paradigm Investment Partners is a small registered investment adviser that offers discretionary investment management and retirement-plan advisory services to institutional and individual clients. The firm focuses on customized, long-term portfolios and provides fiduciary 3(38) services alongside plan-sponsor support such as investment policy development and benchmarking.

Duncan Perry is a financial advisor at Smarter Bear Financial Advisory with a Series 65 designation and two years of industry experience. Before joining Smarter Bear LLC, he worked at Numerated Growth Technologies, Klaviyo, and Charles River Development. He also provides executive management consulting for high-tech companies. Smarter Bear Financial Advisory offers Financial Life Planning and investment advising for individuals, trusts, and estates, focusing on clients with complex asset situations such as private company stock and business ownership stakes. The firm uses an asset-allocation framework that includes non-public and non-securities assets and typically operates on a largely non-discretionary basis.

Adam Neves is a financial advisor at First Light Investment Advisors in Manchester, MA, holding Series 63 and Series 65 licenses with four years of industry experience. He has worked at several firms including Anchor Capital Advisors and New England Investment & Retirement Group prior to joining First Light. First Light Investment Advisors provides fee-based, discretionary portfolio management primarily to individual investors, trusts, estates, charitable organizations, and business entities. The firm employs a tactical asset allocation strategy that incorporates fundamental, technical, and cyclical analyses, managing approximately $12.4 million in assets across about 41 client relationships.

William Guglielmo D'annibale is a financial advisor with American Retirement & Investment Strategies, LLC, holding a Series 66 designation and 20 years of industry experience. He has been with the firm since 2006. In addition to his advisory role, he operates an insurance agency offering various insurance products. American Retirement & Investment Strategies provides financial planning, consulting, and investment management services to individuals, trusts, estates, charitable organizations, corporations, and employer-sponsored retirement plans. The firm employs a documented client profile and Investment Policy Statement to guide investment choices, utilizing a combination of fundamental and technical analysis and a proprietary Dynamic Portfolio equity strategy.