David Mac Dougall is a CFA® charterholder with five years of experience in the financial industry. He has previously worked at Boston Financial Management LLC and Emerson Investment Management LLC. He is based in Beverly, MA, and is part of a six-advisor team at Ipswich Investment Management Company, Inc. Ipswich Investment Management Company, Inc. provides discretionary portfolio management and advisory services to individual investors, families, trusts, endowments, and institutions. The firm emphasizes a long-term, low-turnover investment approach focusing on equities and high-quality fixed income, with asset allocation tailored to client objectives and risk tolerance.

Michael Kozak is a CFP® with 24 years of industry experience, currently serving at BlueDoor Private Wealth, LLC. His previous roles include positions at Cabot Wealth Management and East Coast Asset Management, among others. He maintains a small, sporadic tax and estate planning practice, dedicating limited time to drafting documents and coordinating related work. BlueDoor Private Wealth serves individual and high-net-worth clients with customized investment management and ancillary financial planning, employing a long-term investment process that blends fundamental and technical analysis. The firm offers discretionary and non-discretionary services, online planning products, and access to insurance and annuity solutions through DPL Financial Partners.

William Dwyer is a financial advisor at Nicholas H. Safford & Co., Inc. in Rockport, MA, holding a Series 65 designation with eight years of industry experience. Prior to his advisory role, he was involved with the Pleon Yacht Club for four years. Nicholas H. Safford & Co., Inc. provides investment counsel and portfolio management to individuals, trusts, IRAs, and institutional clients, focusing on a research-driven approach that emphasizes fundamentally sound companies and tailored client recommendations through ongoing review and communication.

Richard Joyal is a financial advisor with Flagship Wealth Advisors, LLC, holding a Series 63 designation and eight years of industry experience. He has been involved with Joyal Capital Management since 2000 and Seacost, L.P. since 1996. Outside of advisory work, he is principal of Joyal Insurance Agency, which provides insurance sales and estate planning services. Flagship Wealth Advisors serves individuals, high-net-worth households, trusts, estates, corporations, and retirement plans by offering discretionary and non-discretionary portfolio management, financial planning, and retirement-plan consulting. The firm emphasizes long-term asset allocation using mutual funds and ETFs, with regular account reviews and a combination of advisor-managed and model portfolio programs.

Daniel Doherty is a financial advisor with Financial Transparency, holding the PFS™ and Series 66 designations and bringing 25 years of industry experience. He has worked at Envision Financial Transparency since 2018 and previously spent nearly two decades with CSSC-affiliated firms. Doherty is a shareholder in the law firm Maclean, Holloway, Doherty, Ardiff & Sheehan, P.C., where he has practiced law for over 29 years. Financial Transparency provides investment advisory and financial planning services to individuals, families, retirement plans, businesses, and other organizations. The firm employs an asset allocation approach based on Modern Portfolio Theory and offers a range of investment programs including both passive and active management tailored to various client needs.

Grady Kozak is an advisor at BlueDoor Private Wealth, LLC with Series 65 and Series 66 credentials and one year of industry experience. He previously worked at Savvy and is self-employed, operating a business that provides after-school sports programs to elementary and middle schools. BlueDoor Private Wealth serves individual and high-net-worth clients with customized investment management and financial planning services. The firm’s long-term investment approach combines fundamental and technical analysis to create tailored portfolios, and it offers additional services including estate planning and tax consulting through affiliated practices.

Nathan Stevens is a financial advisor at Cabot Wealth Management in Beverly, MA, holding a Series 65 credential. He joined the firm in 2025 and has recently started his career in the industry. Cabot Wealth Management provides portfolio and wealth management services to high-net-worth individuals, endowments, non-profits, and business clients. The firm customizes investment allocations based on clients’ objectives and risk tolerance, utilizing a mix of individual securities, mutual funds, and ETFs while offering financial planning and in-house tax services for select clients.

Leslie Kernan III is a CFA charterholder at Boston Research and Management, Inc. with eight years at the firm and three years of overall industry experience. Prior to joining Boston Research and Management, he worked at Boston College and JamSpot, Inc. Boston Research and Management, Inc. provides discretionary investment management, financial planning, and retirement-plan advisory services to individuals, high-net-worth clients, trusts, estates, charitable organizations, and plan sponsors, employing a valuation-oriented equity approach focused on intrinsic value and a margin of safety.

Matthew Soucy is a financial advisor at Family Fiduciary Services, Inc. with two years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Northwestern Mutual in various capacities. Outside of finance, he was involved with Daniellas Ristorante for two years. Family Fiduciary Services, Inc. serves individuals, corporations, trusts, and retirement plan sponsors with discretionary investment management and financial planning. The firm emphasizes long-term asset allocation, diversification, and tax sensitivity, and offers distinctive trustee, bill-paying, and tax-organization services in addition to 401(k) plan advisory support.

Karl Hambrecht is a financial advisor with Osaic Wealth, Inc., holding Series 63 and Series 65 credentials and bringing 48 years of industry experience. He has been with Royal Alliance Associates, Inc. since 1990. Outside of his advisory role, Hambrecht owns an independent insurance agency primarily selling life, disability, and health insurance, and serves as a trustee for family trusts and retirement plans. Osaic Wealth, Inc. is a large SEC-registered investment adviser and broker-dealer serving a diverse client base, including individuals, pension plans, corporations, and charitable organizations. The firm employs a comprehensive investment process that integrates risk tolerance assessments with portfolio optimization and offers access to a broad range of investment products and third-party managers.

Kathleen Mealey is a CFP® with 16 years of industry experience, currently serving as an advisor at Sensible Money, LLC since 2014. Prior to joining Sensible Money, she worked at Cabot Wealth Management for four years. Sensible Money provides ongoing financial planning and discretionary investment management primarily to individuals transitioning into or already in retirement. The firm uses an integrated planning-and-implementation model called the Juicing® Experience and employs diversified portfolios with an emphasis on liability-driven investing techniques.

Michael Bergeron is a financial advisor at Flagship Wealth Advisors, LLC and has 16 years of experience running the Law Office of Michael Bergeron. He is based in Wakefield, MA. Flagship Wealth Advisors, LLC provides investment advice and financial planning to individuals, trusts, estates, corporations, and employer retirement plans. The firm emphasizes asset allocation and diversified exposure to mutual funds, ETFs, and selected variable annuity sub-accounts, offering portfolio management and retirement plan consulting through its Vision2020 Wealth Management platform.

Stephen Stabile is a financial advisor with Flagship Wealth Advisors, LLC, holding a Series 63 license and bringing 31 years of industry experience. He has been associated with Royal Alliance Associates since 2003. Outside of his advisory role, he serves as a trustee for an irrevocable life insurance trust for a family member. Flagship Wealth Advisors serves individuals, high-net-worth households, trusts, estates, corporations, and retirement plans by providing discretionary and non-discretionary portfolio management, financial planning, and retirement-plan consulting. The firm employs a long-term investment approach using advisor-managed and model portfolio programs, with an emphasis on mutual funds and ETFs.

Susan Big is a financial advisor with Flagship Wealth Advisors, LLC, holding a Series 66 designation and 26 years of industry experience. She has been affiliated with Royal Alliance Associates since 2007 and serves as an investment advisory representative at Flagship Wealth Advisors. Flagship Wealth Advisors serves individuals, high-net-worth households, trusts, estates, corporations, and retirement plans, providing discretionary and non-discretionary portfolio management, financial planning, and retirement-plan consulting. The firm emphasizes long-term asset allocation using mutual funds and ETFs, with regular account reviews and both advisor-managed and model portfolio options.

John Safford is a financial advisor at Nicholas H. Safford & Co., Inc. in Rockport, MA, holding a Series 63 designation with 31 years of industry experience. He has been with Nicholas H. Safford & Co., Inc. since 1993. Nicholas H. Safford & Co., Inc. provides investment counsel and portfolio management to individuals, trusts, IRAs, and various institutional clients, including charitable institutions and endowments. The firm employs a research-driven investment approach focused on fundamentally sound companies with earnings and dividend growth, supplemented by select non-U.S. equities and high-quality fixed income, operating primarily on a non-discretionary basis.

Anthony Speziale is a financial advisor at Trust Advisory Group Ltd with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at AGES Financial Services, Ltd and StoneX Securities Inc. Outside of his advisory role, he serves as president of KLP Associates Inc dba Tax Shop & Financial Center, where he manages tax, accounting, and payroll services. Trust Advisory Group Ltd serves individual and high-net-worth clients as well as pension and retirement plan sponsors, offering a range of portfolio management, financial planning, and consulting services through about 30 advisors. The firm employs multiple investment approaches, including advisor-managed portfolios, proprietary model solutions, and manager-of-managers strategies, utilizing third-party platforms and a variety of investment vehicles.

Robert Lutts is a Series 65-licensed financial advisor with Cabot Wealth Management in Salem, MA, with 32 years of industry experience. He has been with Cabot Money Management, Inc. since 1983. Outside of his advisory work, Lutts teaches an investment management course at Salem State College School of Business. Cabot Wealth Management provides portfolio and wealth management services primarily to high-net-worth individuals, endowments, non-profits, and business clients. The firm customizes investment allocations using a combination of individual stocks, bonds, mutual funds, and ETFs, employing both fundamental and technical analysis with ongoing monitoring and periodic rebalancing.

Patricia Bowlin is a financial advisor at Ipswich Investment Management Company, Inc. in Beverly, MA, holding a Series 65 designation with 19 years of industry experience. She has been with Ipswich since 2010. Ipswich Investment Management provides discretionary portfolio management and investment advisory services to individuals, families, trusts, endowments, pension, and corporate accounts. The firm employs a long-term, low-turnover investment approach emphasizing equities managed by capable managers and high-quality fixed income, with portfolio allocations tailored to client objectives and tax considerations.

Beatrice Tiberii is a financial advisor at Family Fiduciary Services, Inc. with one year of industry experience. She holds a Series 65 designation and has operated Cellar Door Wine and Beer LLC, a wine shop, since 2015. Family Fiduciary Services, Inc. serves individuals, corporations, trusts, foundations, and retirement plan sponsors by providing discretionary investment management, financial planning, and 401(k) plan advisory services. The firm constructs portfolios based on client risk profiles and emphasizes long-term asset allocation, diversification, and tax sensitivity.

Gregory Stevens Jr. is a CFP® professional with 22 years of experience in financial advising. He has been with Cabot Money Management, Inc. since 2004. Cabot Wealth Management provides portfolio and wealth management services primarily to high-net-worth individuals, endowments, non-profits, and business clients. The firm customizes investment allocations using a combination of fundamental and technical analysis, and offers integrated financial planning, estate plan reviews, tax planning, and in-house tax preparation for select clients.