If I asked you how to drive from Boston to Florida, you would probably tell me it’s a lot easier to get there with a map or GPS. Now what if I asked you how to get from here to… retirement? Financial planning is like a road map for your future. With a holistic perspective, we dive into every aspect of your financial situation, ensuring that no opportunity for growth or security is overlooked, and we put together a plan to help you realize your dreams. Then, we help monitor your progress, like a financial GPS, as you navigate traffic along the way, or choose to stop at a few scenic overlooks. I began my career in Corporate Finance, but my passion for personal planning was sparked when I realized that I missed a few financial opportunities in my own life. In the early years, between work and building a family, time is at a premium. While my husband and I had interest in managing our financial lives, we didn’t have the time to be intentional about it. Working with a financial professional would have been beneficial, but at the time, we didn’t know how to afford it, who to trust, or where to seek qualified advice. So, I decided to become the person we were seeking. In 2017, I started pursuit of the CERTIFIED FINANCIAL PLANNER™ certification, which requires a fiduciary oath to always put my clients’ best interests first. I founded Ascend Financial in 2023 because I believe financial planning should be accessible. At Ascend, we have no asset minimums. Our typical client is in their career-building phase, seeking advice on managing a lot of big-ticket expenses, and trying to maximize their opportunities for savings and retirement. In addition to comprehensive financial planning and investment management services, we also provide college funding analysis and student loan planning. Knowing that education is often one of the largest expenses a family incurs, we prioritize our skills in navigating the complex and ever-changing landscape of student loan and financial aid programs. At Ascend, we help clients organize their financial lives, dream about their goals, and analyze the what-if situations that come up. Our goal is to make sure that you see the opportunities that lie ahead, instead of noticing them in the rear-view mirror.

Annette Sun is a financial advisor at SW Private Wealth, LLC with 23 years of industry experience. She holds Series 65 and Series 63 licenses and has worked at Livingston & Haynes Investment Advisors, Inc. since 2003. She joined SW Private Wealth in 2017, where she is the sole advisor. SW Private Wealth is an independent registered investment adviser serving individuals, pension and profit-sharing plans, charitable organizations, and business entities. The firm offers tailored investment management and financial planning, using both passive and active strategies, with a focus on non-discretionary client relationships and assets-under-advisement services.

John Foley is a financial advisor at Harvest Capital Management, LLC in Quincy, MA, with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has been with 2.0 Capital Management, LLC since 2014. Harvest Capital Management provides wealth management and discretionary investment management to individuals, high net worth clients, trusts, and estates. The firm employs a combination of a dynamic Global All Asset ETF strategy and a catalyst-driven Health Care/Biotech equity strategy, incorporating the routine use of options to generate income and manage portfolio positions.

Nathanael Brayton is the sole advisor at Nathanael R. Brayton, CFA, an independent firm based in Boston, MA. He holds the CFA designation and has 30 years of industry experience, having operated his own practice since 1991. Outside of financial advising, he serves as a non-management director for a specialty chemicals company. The firm provides discretionary portfolio management and non-discretionary investment advice to individuals, high-net-worth clients, families, IRAs, and personal or family trusts. Its investment approach is bottom-up and valuation-focused, primarily utilizing individual publicly traded securities with occasional use of mutual funds, ETFs, and derivatives for hedging.

Christopher Kondracki is the principal and sole advisor at Kondracki Advisory, LLC, an independent registered investment adviser based in Hingham, MA. He holds Series 63 and Series 65 licenses and has 13 years of industry experience, operating his firm since 2012. Kondracki is also a licensed insurance agent and occasionally offers insurance products to clients. Kondracki Advisory, LLC manages approximately $70 million for around 186 clients, providing discretionary investment supervisory services and tailored portfolio management that includes equities, bonds, mutual funds, ETFs, and insurance products. The firm uses fundamental analysis with both long- and short-term trading strategies and serves individual and charitable organization clients.

Planning for what's NEXT My goal as a Financial Planner with NEXTEN FP, is to partner with you in building towards your vision for the Next Ten years. Why the Next Ten? Looking ahead ten years offers a motivating perspective. It is close enough to inspire action, while allowing time for progress. We meet you where you are so that you can move forward confidently in planning for where you want to go. Our Planning Process At NEXTEN FP, we build relationships that clients value with our LEAP process: -> Listening: To your story and the journey that brought you here. -> Exploring: Your goals for the life you are building. -> Aligning: Your wealth through a collaborative, goals-based planning process. -> Progressing: Together, offering guidance and support along the way. Focused on your next ten years, we operate with a less is more philosophy, distilling planning topics to their core so that you can see, plan and act with clarity. You can expect focused language and clear visuals designed to engage you before giving your attention back to what matters most. Who We Serve We work with individuals and families who want to be more intentional with their wealth, supporting their vision for the decade ahead. If you are ready to start planning, we provide fee-only expertise to help you in moving forward.

Brian McGivern is a financial advisor with Stonestreet Financial, Inc., holding a Series 66 designation and 18 years of industry experience. Prior to joining Stonestreet Financial in 2017, he worked at Cambridge Investment Research Advisors, Inc. and Cambridge Investment Research, Inc. He is also president of CFO Strategies Inc., which provides QuickBooks training, and serves as a business development consultant and accountant for Brenda J. McGivern, P.C., a CPA firm. Stonestreet Financial serves individual and high-net-worth clients as well as pension and profit-sharing plans, offering portfolio management, financial planning, and pension consulting services. The firm utilizes a goals-based investment process with both discretionary and non-discretionary arrangements, and it has a focus on pension consulting and employer plans.

David Trott is the sole advisor at Aragorn Ltd., an independent firm based in Milton, MA. He holds Series 63 and Series 65 licenses and has 21 years of industry experience. In addition to his financial advisory work, he is the president and owner of a law firm that provides tax, business, and estate planning services. Aragorn Ltd. offers financial planning, consulting, and discretionary investment management to individuals and a variety of institutional clients, including pension plans, trusts, and charitable organizations. The firm customizes portfolios based on clients’ risk tolerance and time horizon, employing fundamental, technical, and cyclical analysis to allocate assets across multiple categories.

Brent Garcia is a CFA® charterholder with 22 years of industry experience. He has been the sole advisor at Broadwater Capital Management LLC since 2002. Broadwater Capital Management provides discretionary investment advisory services to individuals, trusts, charitable entities, small institutions, and personal corporations. The firm creates customized portfolios using both fundamental and technical analysis, managing investments with a long-term orientation while retaining flexibility for shorter-term trades based on client needs and market conditions.

Stephen Gorman is the principal advisor at Gorman Financial Management in Hingham, MA, with 32 years of industry experience. He has served at his firm since 1992. Gorman Financial Management provides fee-only comprehensive personal financial planning, investment monitoring, and financial consulting for individual clients and families. The firm focuses on a Modern Portfolio Theory approach using pooled investment vehicles and does not accept discretionary authority over client accounts.

Robert Hurley is the sole advisor at Investor Resources Inc in Boston, MA, where he has provided financial advisory services since 1996. He holds Series 63 and Series 65 licenses and has 29 years of industry experience. Investor Resources Inc offers financial planning, investment consultations, and portfolio management primarily through selecting and monitoring third-party managers and model portfolios. The firm serves individuals, families, and small businesses, operating on a fee-only basis with a manager-of-managers approach and limited discretionary authority focused on account rebalancing.

Juan Garcia is a financial advisor at Holistic Capital with nine years of industry experience. He holds Series 63, 65, and 66 licenses and previously worked at Morgan Stanley and Eaton Vance Management. Holistic Capital LLC offers non-discretionary investment advisory services to individuals, high net worth clients, trusts, estates, businesses, and retirement plans. The firm uses a risk-managed approach combining quantitative and fundamental analysis to tailor asset allocation based on clients’ objectives and tax profiles.

David Quinn is a financial advisor at Targeted Equity Consulting Group with 24 years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Stifel Nicolaus & Company for 15 years. In addition to his advisory role, he has involvement with 3Step Sports LLC. Targeted Equity Consulting Group provides portfolio management and pension consulting services to pension and profit-sharing plans, high-net-worth individuals, and business entities. The firm emphasizes equities and non-U.S. securities, employing a variety of analytical methods and strategies tailored to clients’ goals and risk tolerance.

Joseph McCarthy is a CFP® with 43 years of industry experience, currently serving as an advisor at AFG Fiduciary Services. He has worked at Purshe Kaplan Sterling Investments, Inc. and Wells Fargo Advisors Financial Network, LLC. In addition to his advisory role, he is involved in selling fixed income annuities and insurance. AFG Fiduciary Services provides discretionary portfolio management, financial planning, and retirement-plan advisory services to individuals, high-net-worth clients, families, trusts, businesses, and retirement plans. The firm employs a primarily long-term, fundamental-analysis investment approach and offers tailored, holistic engagement solutions.

Stephen Carluccio is a financial advisor at Mad River Investors in Boston, MA, holding a Series 65 designation with 18 years of industry experience. He has been with Mad River Investors since 2012 and also engages in a limited amount of outside legal work for former clients with employer approval. Mad River Investors provides discretionary investment management to individuals, high-net-worth clients, institutions, and other advisors, employing an opportunistic, concentrated equity-oriented approach with a long-term, contrarian focus. The firm manages private investment partnerships and offers alternative performance-based fee arrangements uncommon among firms of similar size.

Wei Wang is a financial advisor at Triple Summit Advisors, LLC in Newton, MA, holding CFP®, CFA®, and Series 63 designations with nine years of industry experience. He has been with Triple Summit Advisors since 2015. Triple Summit Advisors manages approximately $90.3 million in discretionary assets for around 170 clients, including individuals, trusts, and corporate entities. The firm offers multiple investment strategies such as ETF-based global asset allocation, global compounding value, global opportunistic and event-driven approaches, and global quantitative factor investing.

David Rourke Sr. is a financial advisor with Strategic Planning Group, Inc. in Wellesley, MA, holding Series 63 and Series 65 credentials and 36 years of industry experience. He has been with Strategic Planning Group since 1995. Strategic Planning Group provides investment advisory and financial planning services to individual clients, including high-net-worth households, using a rules-based investment framework focused on diversification and a targeted debt-to-equity profile. The firm offers customized retirement plans and manages portfolios primarily with mutual funds and ETFs, conducting regular client reviews and employing specialized strategies as needed.

Frederick Offenberg is a financial advisor with Clemensen Capital Company LLC, holding a Series 63 designation and over 40 years of industry experience. He has worked at Clemensen Capital since 2017 and previously held positions at Andres Capital Management, LLC and FOX CHASE CAPITAL PARTNERS LLC. Clemensen Capital Company LLC provides investment advice and separately managed accounts to individuals, trusts, companies, and charitable organizations. The firm employs active management across mutual funds, ETFs, equities, and fixed income, with expertise in energy and credit markets, and emphasizes independent analysis and governance-conscious proxy voting.

Dennis O'Leary is a CFP® with 20 years of industry experience and has been with Greenway Financial Advisors LLC since 2013. He is based in Boston, MA. Greenway Financial Advisors serves individual and high-net-worth clients as well as employer-sponsored retirement plans, offering discretionary portfolio management and both comprehensive ongoing and limited-scope financial planning. The firm’s investment approach is asset-allocation driven, focusing on diversification, cost and tax efficiency, and tailored allocations, with an in-house tax preparation service conducted by supervised personnel.

Susan Skahan is an Investment Advisor Representative with AFG Fiduciary Services, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She has worked at Purshe Kaplan Sterling Investments, Inc. since 2021 and was previously with Wells Fargo Advisors Financial Network from 2015 to 2021. AFG Fiduciary Services provides discretionary portfolio management, financial planning, and retirement-plan advisory services to individuals, high-net-worth clients, families, trusts, businesses, and retirement plans. The firm employs a primarily long-term, fundamental-analysis approach to portfolio construction while maintaining flexibility for shorter-term adjustments and leverages various investment tools as appropriate.