Like so many of the great XYPN financial advisors you’ll find on this platform, I founded Andante Financial to provide best-in-class, independent financial planning and investment management services. But what makes my firm unique? Here’s three things to start: -After-tax performance is never an afterthought We use robust tax-loss harvesting tools and processes to enhance your after-tax returns. -Investment management: we take it personally We construct personalized investment portfolios for each client; none of our investment management is outsourced or “copy and paste”. -Our values go beyond an account statement 10% of Andante Financial fees are donated to charity and we donate to charities that clients care about so we can redefine "shared values" When I work with a client, I take the responsibility of helping them protect and grow the fruits of their labor seriously; I earned my CFP®, CFA, and CPA marks to expand my knowledge and make the most of any opportunity I get to help a client succeed. But my favorite part of this work is curating a network of clients that I truly enjoy working with and rooting for. Please reach out for an intro call – I’ll enjoy the opportunity to chat and help you get the right person in your corner, whether its me or not.

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.

Richard Wojcik is a financial advisor at Nefpg with 56 years of industry experience. He holds a Series 63 designation and has worked at Raymond James Financial Services and New England Financial Planning Group since 1979 in various roles. Outside of his advisory work, he serves as a personal representative in probate proceedings for a deceased cousin’s estate. New England Financial Planning Group serves individuals, including high-net-worth clients, as well as institutional entities such as pension plans, trusts, estates, and charitable organizations. The firm offers asset management, investment advisory consulting, and financial planning, employing a range of strategies from long-term holdings to option writing and short sales, and participates in multiple Raymond James wrap-fee programs.

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.

Michael Gallugi is the principal of Gallugi Wealth Management, LLC and holds Series 63 and Series 65 licenses. He has 30 years of industry experience and has operated his own CPA practice offering tax and accounting services since 1989. He has also worked with Purshe Kaplan Sterling Investment since 2014. Gallugi Wealth Management provides discretionary investment management to individuals, including high-net-worth clients, and charitable organizations. The firm combines investment advice with in-house accounting and tax services, emphasizing fundamental analysis and a primarily long-term investment strategy using diversified mutual funds and ETFs.

Craig Blackwell is a CFA® charterholder with 10 years of industry experience. He is currently with Altar Rock, where he has held various roles including Head of Research and Investment Advisor Representative. His prior work includes 15 years at Fidelity Investments and positions at Compound Advisers and Simplicity Investments. Blackwell is also involved in brokerage activities related to variable insurance products and supports private placement life insurance and annuity solutions through Altar Rock Insurance LLC. Altar Rock primarily serves high-net-worth individuals, families, and trusts by providing discretionary portfolio management and financial planning. The firm’s investment approach combines qualitative and quantitative analysis with tax-aware portfolio construction and manager selection, reviewing client portfolios regularly and utilizing proprietary planning tools.

Stephen Taylor is a financial advisor at New England Schooner, Inc. with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with New England Schooner since 1998. Outside of his advisory role, he is a licensed agent selling fixed and long-term care insurance. New England Schooner, Inc. provides portfolio management, financial planning, and pension consulting services to individuals, retirement plans, trusts, estates, charitable organizations, and business entities. The firm emphasizes fundamental analysis tailored to clients' goals and risk tolerance, managing portfolios that include mutual funds, ETFs, equities, options, and debt securities.

David Page is a Series 65-licensed financial advisor with 13 years of industry experience. He has been with Boston Harbor Investment Management since 2012 and also serves as COO of IAMScientist, Inc. Outside of his advisory role, he is a board member of Rock Solid Produce, LLC. Boston Harbor Investment Management provides discretionary portfolio management to high-net-worth individuals, family offices, and institutional clients, focusing on U.S. large-cap equities. The firm uses proprietary quantitative models based on residual earnings to select low-beta stocks, offers various risk-control strategies, and presents both audited hypothetical and actual performance data.

Peter Ferriero is the founder and president of Rocky Hill Advisors Inc., where he has worked since 2002. He holds Series 63 and Series 66 designations and has 23 years of industry experience. Outside of his advisory role, Ferriero is involved in youth hockey through founding and leading Top Gun Youth Hockey, Top Gun Arena Management, and the New England Fall Prep Hockey League. Rocky Hill Advisors provides investment management and expert witness consulting to individuals, pension and profit-sharing plans, corporations, trusts, estates, charitable organizations, and Native American tribes. The firm employs a customized tactical allocation strategy with a focus on rebalancing and downside risk management, operating primarily on a non-discretionary basis.

Kelsey Brennan is a CFP® and holds a Series 65 license, with eight years of experience in financial advising. She has been with Perennial Advisors Group, LLC since 2015. Perennial Advisors Group provides fee-only wealth management, discretionary investment management, and financial planning services primarily to individuals, trusts, estates, and charitable organizations. The firm emphasizes a long-term, asset-class-based investment approach using diversified mutual funds and ETFs, combined with fundamental analysis and personal client contact.

William Gaudino II is a CFP® with 33 years of industry experience, currently serving as an investment advisor representative at ArborStone Financial, LLC. He previously worked at Ameriprise for 34 years and is also registered as a representative with Purshe Kaplan Sterling Investments, Inc. In addition to his advisory role, he is a licensed insurance agent. ArborStone Financial provides discretionary wealth management and financial planning services to individuals, high-net-worth clients, trusts, and estates. The firm employs a fundamentals-driven, long-term investment approach using model portfolios, ETFs, mutual funds, and individual securities, and oversees client strategies that may include independent managers.

Brian Mc Larney is a financial advisor at Merrimack Valley Financial Advisors, Inc. with eight years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Edward Jones and FIDELITY Brokerage Services LLC. Merrimack Valley Financial Advisors serves individual and institutional clients, offering discretionary portfolio management, model portfolios, pension consulting, and comprehensive financial planning. The firm emphasizes client-specific investment policies and uses fundamental, quantitative, and qualitative research to guide long-term investment strategies.

Jennifer Murphy is a CFP® and holds a Series 65 license with 10 years of industry experience. She has been with Advanced Portfolio Design, LLC since 2016. Advanced Portfolio Design serves individuals, families, business owners, trusts, and charities with fee-only asset management and comprehensive financial planning. The firm employs portfolio construction based on asset allocation and Modern Portfolio Theory, offering both active and passive options, with adjustments for tax brackets and cash-flow needs.

Harold Zazula is a financial advisor with Crystal Capital Management Corporation in Saugus, MA, holding Series 63 and Series 65 licenses and 12 years of industry experience. His prior work includes roles at GWFS Equities, Stratos Wealth Partners, LPL Financial LLC, and New York Life Securities. Crystal Capital Management Corp. provides personalized financial planning and investment management to individuals, pension and profit-sharing plans, and small businesses. The firm manages approximately $35 million for about 90 clients, focusing on a non-discretionary, core-and-satellite investment approach using low-cost mutual funds and ETFs, with services that include comprehensive and hourly financial planning.

Michelle Wu is a CFP® and CFA® with four years of industry experience. She currently works at Tenon Financial and has prior experience at Putnam Investments, Origin Financial, and Core Planning, LLC. Tenon Financial provides investment management and financial planning services to individual and high-net-worth clients, focusing on passive investment strategies with an emphasis on low costs, tax efficiency, and client-specific portfolio management.

Ronald Giunta is a CFP®-certified financial advisor with 30 years of industry experience. He has been with Flagship Private Wealth since 2015 and concurrently associated with LPL Financial since 2010. Giunta provides investment advisory services through Flagship Private Wealth, an independent registered investment advisor firm based in Woburn, MA. Flagship Private Wealth serves individuals, corporations, and charitable organizations, managing approximately $447 million across about 597 client relationships. The firm offers discretionary portfolio management and financial planning, employing strategies that incorporate modern portfolio theory, fundamental and quantitative analysis, and long-term trading.

William Burton is a CFP® with 26 years of industry experience and has operated Wm L. Burton CPA since 1980. He is associated with Crystal Capital Management Corporation, a firm where he combines his accounting background with financial advisory services. Crystal Capital Management provides financial planning and investment management primarily to individual clients, pension and profit-sharing plans, and small businesses. The firm employs a non-discretionary investment approach focused on strategic asset allocation using low-cost, no-load mutual funds and ETFs within a core-and-satellite framework.

Todd Brisbois is the principal of Brisbois Capital Management LLC in Wilmington, MA, with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Securities America, Inc. and Securities Service Network, Inc. In addition to his advisory role, he is also a producer of fixed insurance products, offering life, long-term care, and disability insurance. Brisbois Capital Management provides investment advisory and portfolio management services primarily to individual clients. The firm combines tax planning, financial planning, investment management, and insurance reviews, serving a large client base with a distinctive dual registration as both a registered representative and licensed insurance agent.

Patricia Moore is a CFP® with 23 years of industry experience. She has been with Moore Financial Advisors, LTD. since 2002. In addition to her advisory work, she is an adjunct assistant professor of economics at the Massachusetts College of Pharmacy and Health Sciences, teaching economics courses during the academic year. Moore Financial Advisors, LTD. provides wealth management, portfolio management, and financial planning services to individuals, families, trusts, and estates. The firm manages approximately $127.2 million across about 92 client relationships, employing a primarily long-term investment approach focused on diversified portfolios of low-cost mutual funds and ETFs, supplemented by various analytical tools and selective trading.

Michael Mccully is a financial advisor with Nefpg, holding Series 63 and Series 66 designations and bringing 16 years of industry experience. He has worked at Raymond James Financial Services, Inc. since 2020 and previously spent six years at Sun Life Financial. Nefpg serves individual clients, including high-net-worth individuals, as well as institutional entities such as pension plans, trusts, and charitable organizations. The firm offers asset management, investment advisory consulting, and financial planning, employing a variety of analytical methods and investment strategies tailored to client objectives.