Jack Foscaldo is a Series 65-licensed advisor at Finivi Inc. with one year of industry experience. Prior to joining Finivi, he worked at Petra Funds Group for one year and was a student for nine years. Finivi serves individual and business clients, providing discretionary investment management and comprehensive financial planning using an active, core-satellite investment approach tailored to client objectives. The firm also offers estate-planning facilitation, family meetings, financial education workshops, and specialized services such as financial-wellness programs and access to a certified divorce financial analyst.

Anthony Veloso is a CFP® with 13 years of industry experience and is currently affiliated with Financial Foundations, Inc. He has worked at Commonwealth Financial Network since 2018 and previously at Cetera Advisor Networks LLC and Sbia. Veloso allocates a small portion of his time to fixed insurance sales conducted at his branch office. Financial Foundations provides comprehensive, non-securities financial planning to retail clients, focusing on areas such as budgeting, tax and retirement planning, education funding, and estate analysis. The firm does not manage client assets or offer discretionary portfolio management, instead delivering individualized plans supported by affiliated tax services and optional implementation through broker-dealer relationships.

Nancy Scott is a CFP® professional with 19 years of industry experience. She is currently with Bartholomew & Company Wealth Management, LLC and has been associated with Bartholomew and Company, Inc. and Commonwealth Financial Network since 2006 and 2007, respectively. Her other business activity includes providing fixed insurance services through Bartholomew and Company as an agent. Bartholomew & Company Wealth Management, LLC offers discretionary and non-discretionary asset management and financial planning services to institutional clients and individual investors. The firm uses an institutional research process and model portfolios combining active, passive, and core-satellite strategies, with emphasis on short-term, high-grade fixed income, municipal bonds, and ESG-oriented approaches.

Ryan Mc Cormick is a CFP® with five years of industry experience, currently serving as a financial advisor at Byrne Financial Freedom, LLC. His prior experience includes roles at LPL Financial LLC, Gibraltar Wealth Management, Boenning & Scattergood, Inc., and The Vanguard Group, Inc. Outside of finance, he has worked in the hospitality sector, including positions at Urban Village Brewing Company and MadRex Restaurant. Byrne Financial Freedom, LLC is an SEC-registered wealth management firm serving individuals, high-net-worth clients, trusts, estates, charitable organizations, and retirement plans. The firm provides comprehensive financial planning and discretionary portfolio management, utilizing a long-term investment approach focused on fundamental analysis and diversified portfolios including mutual funds, ETFs, stocks, bonds, and REITs.

Adam Waitkevich is a financial advisor at Concord Wealth Partners with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Morgan Stanley and Coppertree, LLC. He is also the principal owner of Divorce Financial Solutions, LLC, providing financial forecasting reports for divorcing couples. Additionally, he serves as a board member of the nonprofit Kevin Youkilis Hits for Kids. Concord Wealth Partners is a team-based registered investment adviser managing over $1 billion for individuals, corporations, trusts, estates, and charitable organizations. The firm offers tailored financial planning, discretionary portfolio management, and retirement plan consulting, utilizing a range of investment strategies including mutual funds, ETFs, alternatives, and structured products.

Joseph Byrne is a financial advisor with Byrne Financial Freedom, LLC in Franklin, MA, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with Byrne Financial Freedom since 2006 and also maintains an affiliation with LPL Financial. Outside of advising, Byrne serves as a Notary Public in Massachusetts. Byrne Financial Freedom provides comprehensive wealth management services to individuals, high-net-worth clients, trusts, estates, charitable organizations, retirement plans, and businesses. The firm employs a primarily long-term, fundamental analysis approach, constructing portfolios using low-cost mutual funds, ETFs, and, when suitable, individual securities, while offering ongoing portfolio monitoring, tax management, and access to a range of specialized resources.

Christina Mitkonis is a CFP® and Series 66 credentialed advisor with 14 years of industry experience. She is currently with Financial Foundations, Inc., a team-based firm located in Southborough, MA, and has been associated with Commonwealth Financial Network and Bentley University’s McCallum Graduate School of Business since 2011. Outside of financial advising, she is involved with Jumbo Donuts, a business she has been connected with for over 20 years. Financial Foundations provides comprehensive financial planning and non-securities advice focused on budgeting, tax and retirement planning, education funding, estate analysis, and benefit reviews. The firm does not manage client assets or maintain custody of funds, emphasizing individualized, planning-only services with coordination of tax and estate recommendations alongside outside professionals.

Kyle Cornell is a financial advisor at Bartholomew & Company Wealth Management, LLC with eight years of industry experience. He holds a Series 66 designation and has previously worked at Merrill Lynch and Commonwealth Financial Network. Bartholomew & Company Wealth Management, LLC serves a mix of institutional clients and individual investors, offering discretionary and non-discretionary asset management, financial planning, and retirement-plan consulting. The firm employs an institutional research process and uses model portfolios blending active, passive, and core-satellite strategies, with a focus on fixed income and municipal bonds.

Russell Almstrom is a financial advisor at AAF Wealth Management, LLC with six years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America, Merrill Lynch, and Clinton Savings Bank. Outside of his advisory role, he is involved in managing a rental property in Kissimmee, Florida. AAF Wealth Management provides investment advisory, financial planning, and pension consulting services to individuals, trusts, retirement plans, non-profits, and business entities. The firm employs a manager-selection process combining quantitative and qualitative analysis and offers discretionary asset management across a range of investment types.

Emily Levine is a financial advisor at AAF Wealth Management, LLC with 12 years of industry experience. She holds the Series 63 and Series 65 designations and has worked at AAF Wealth Management since 2019, including her current role starting in 2024, as well as prior experience at Financial Foundations. AAF Wealth Management serves individual and high-net-worth clients, trusts, pension plans, non-profits, and institutions through asset management, financial planning, and pension consulting. The firm emphasizes asset allocation and uses a rules-based fund manager selection process with both quantitative and qualitative analysis, offering portfolios that include stocks, bonds, ETFs, options, and private equity, along with tax-aware investment considerations.

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.

Frederick Lane is a financial advisor at Finivi Inc. with 34 years of industry experience. He holds a ChFC® designation along with Series 63 and Series 65 licenses. His prior experience includes roles at Aspencross Wealth Management, Inc., Triad Advisors, and Signator Investors, Inc. Finivi serves individual and business clients, including high-net-worth and non-high-net-worth households, providing discretionary investment management, comprehensive financial planning, estate-planning facilitation, and financial education. The firm employs an active, core-satellite investment approach tailored to clients’ risk tolerance and objectives and offers additional services such as insurance brokerage and financial-wellness programs for business clients.

John Llodra is a CFP® professional with 21 years of experience, currently serving at New Harbor Financial Group, LLC since 2005. He holds a Series 66 license and acts as co-trustee for the Llodra Family Gift Trust. Llodra is also involved with the Groton Conservation Trust, providing financial planning and investment advice for the organization’s assets, and is a co-owner of New Harbor Acquisition Partners, LLC, a business acquisition search firm. New Harbor Financial Group is a team-based registered investment adviser that serves individuals, pension and profit-sharing plans, trusts, estates, charities, and business entities. The firm employs a blended investment approach incorporating fundamental, technical, and cyclical analysis, and offers both discretionary and non-discretionary services across a range of investment vehicles.

Julie Drainville is a CFP® and ChFC® with six years of industry experience. She is currently with AAF Wealth Management, LLC and has previously worked at firms including Kintra Wealth, Mutual Securities, and Northwestern Mutual. AAF Wealth Management serves individual and high-net-worth clients, trusts, pension plans, non-profits, and other institutions through asset management, financial planning, and pension consulting. The firm focuses on asset allocation and a rules-based fund manager selection process combined with tax-aware considerations and uses a proprietary manager-ranking system to guide portfolio construction.

Charles Patterson is a financial advisor at Bartholomew & Company Wealth Management, LLC with 24 years of industry experience. He holds a Series 66 designation and has been associated with Bartholomew & Company and Commonwealth Financial Network since 2002. Outside of his advisory work, he is involved in antique sales. Bartholomew & Company Wealth Management, LLC serves a mix of institutional and individual clients, providing discretionary and non-discretionary asset management along with retirement-plan and wealth management consulting. The firm employs an institutional research process with model portfolios combining active, passive, and core-satellite strategies, placing particular emphasis on high-grade fixed income and municipal bonds.

Edward Zywien is a financial advisor with Concord Wealth Partners in Worcester, MA. He holds Series 63 and Series 65 licenses and has 43 years of industry experience. Prior to joining Concord Wealth Partners in 2021, he worked at Coppertree, LLC and Triad Advisors LLC. He is also involved in insurance sales for approximately three hours per week. Concord Wealth Partners is a team-based registered investment adviser managing about $1.07 billion for over 1,200 clients, including individuals, corporations, trusts, estates, and charitable organizations. The firm offers financial planning, discretionary portfolio management, and retirement plan consulting, with an investment approach that emphasizes tailored asset allocation, cash management, and the use of various strategies including mutual funds, ETFs, alternatives, and complex instruments.

Jonathan Mack 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 work includes roles at UBS Financial Services, Morgan Stanley, and Morgan Stanley & Co. LLC. Bartholomew & Company Wealth Management, LLC provides asset management and financial planning services to institutional clients and individual investors. The firm uses an institutional research process with model portfolios that combine active, passive, and core-satellite strategies, focusing on fixed income and municipal bonds, and incorporates ESG-oriented approaches.

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.

Jack Rufo is a financial advisor at Finivi Inc. with one year of industry experience. He holds a Series 65 credential and previously worked at Heritage Financial Services and JNJ Window Services, in addition to roles at Bentley University and Westwood Public Schools. Outside of finance, Rufo provides professional window and exterior cleaning services. Finivi serves individual clients, business clients, and retirement plan participants, offering discretionary investment management, financial planning, estate-planning facilitation, family meetings, and financial education workshops. The firm employs an active, core-satellite investment approach tailored to client risk tolerance and utilizes the eMoney platform to consolidate client financial data.

Christopher Gullotti is a CFP® with 23 years of experience in the financial services industry. He has been with Canby Financial Advisors since 2003 and holds a Series 66 license. Gullotti is a co-owner of Canby Financial Advisors, a private entity operating in the securities business. Canby Financial Advisors is a five-advisor SEC-registered firm managing approximately $729.4 million in client assets. The firm serves retirement plans, corporations, trusts, estates, private foundations, charitable organizations, and individual accounts, using a customized financial planning process and a generally long-term investment approach.