Melissa Mason is a financial advisor at Cascade Wealth Management Solutions Inc. in Pittsfield, MA, with one year of industry experience. She holds the Series 65 designation and has previously worked at Berkshire Retirement Strategies. Outside of advising, Mason owns and operates Shire Virtual Admin, providing administrative clerical services. Cascade Wealth Management Solutions provides discretionary asset management and financial planning to high-net-worth individuals, managing approximately $16.6 million in assets. The firm emphasizes fundamental analysis and personalized client profiles to guide investment decisions, conducting quarterly reviews and offering portfolio customization without outsourcing investment selection or proxy voting.

Stephen Galib is the principal advisor at Stephen P Galib CRPC in Pittsfield, MA, holding a Series 65 designation with seven years of industry experience. He has a long-term engineering career at General Dynamics Mission Systems and also works as a tax preparer for Giardina & Bresett PC. His firm provides financial planning and investment advice to individuals and related estates and trusts, focusing on diversified allocations to mutual funds and ETFs based on client goals and risk tolerance. The practice does not manage client assets directly and uses an hourly billing model, emphasizing strategic allocation with limited discretionary authority.

Patrick Hanley is a Series 65-licensed financial advisor with Hanley & Associates LLC in Pittsfield, MA, bringing three years of industry experience. His prior work includes roles at The Bulmann Group, Keller Williams Realty, and Pappadeaux Seafood Kitchen. Hanley & Associates serves individual investors, small business owners, and corporate pension and profit-sharing plans, providing financial coaching, retirement-plan fiduciary reviews, and investor education workshops. The firm primarily operates in a non-discretionary capacity and collaborates with third-party portfolio managers who implement model portfolios based on Modern Portfolio Theory.

Shannon Clark is a Certified Financial Planner® at The Alchemists, LLC with 10 years of industry experience. Clark has previously worked at Kestra Advisory Services LLC, Nicollet Investment Management, Inc., and Wilkerson Resource Advisors, LLC. The Alchemists, LLC manages approximately $25.7 million in assets for about 91 clients, offering portfolio management, financial planning, and retirement plan consulting. The firm focuses on long-term, passive asset-allocation strategies based on Modern Portfolio Theory, supplemented by fundamental and technical analysis, and emphasizes client education through workshops and seminars.

Matthew Sauer is a financial advisor at MDS Wealth Advisors, LLC, holding a Series 65 credential with 20 years of industry experience. He is also the founder, president, publisher, and chief investment officer of Mutual Fund Investor Guide, LLC, a subscription-based financial publication providing educational and analytical content. Sauer practices law and occasionally offers related advice or products to clients outside of his advisory role. MDS Wealth Advisors offers discretionary portfolio management and investment advisory services to individuals, including high-net-worth clients, as well as pension and profit-sharing plans. The firm employs a long-term trading approach, utilizing fundamental, technical, cyclical, and quantitative analyses alongside modern portfolio theory to guide investment decisions.

Margaret Koosa is a financial advisor at The Alchemists, LLC in Stamford, VT, holding Series 63 and Series 65 licenses with 14 years of industry experience. Her prior roles include positions at Brookwood Investment Group, Belpointe Asset Management, and Waddell & Reed. She is also an independent insurance agent. The Alchemists, LLC provides portfolio management, financial planning, and retirement plan consulting to individuals and businesses, managing approximately $25.7 million in client assets. The firm employs a long-term, passive asset-allocation strategy based on Modern Portfolio Theory, complemented by fundamental and technical analysis.

Francis Hanley is a financial advisor at Hanley & Associates LLC in Pittsfield, MA, holding Series 63 and Series 65 licenses with 17 years of industry experience. He has been with Hanley & Associates since 2006. In addition to his advisory role, he is a licensed insurance agent offering life, disability income, long-term care, and group insurance. Hanley & Associates serves individual investors, small business owners, and corporate pension and profit-sharing plans by providing financial coaching, consulting, retirement-plan fiduciary reviews, and investor education. The firm typically offers non-discretionary investment recommendations and introduces clients seeking discretionary management to third-party portfolio managers using asset-allocation models based on modern portfolio theory.

Matthew Cowie is a financial advisor with MDS Wealth Advisors, LLC in Williamstown, MA, holding a Series 65 designation and 10 years of industry experience. He has been with MDS Wealth Advisors since 2015 and is also associated with Mutual Fund Investor Guide, LLC. The firm provides discretionary portfolio management and investment advisory services to individuals, including high-net-worth clients, as well as pension and profit-sharing plans. MDS Wealth Advisors employs a long-term trading approach using fundamental, technical, cyclical, and quantitative analysis alongside modern portfolio theory.

William Bresett Jr. is a financial advisor at Financial Transparency with 24 years of industry experience. He holds a Series 66 designation and has worked at Envision Financial Transparency, LLC since 2018, following prior roles at Cssc Brokerage Services, Inc. and CSSC Insurance Services, Inc. He is also an owner and officer of Giardina & Bressett, a certified public accounting firm providing tax planning, accounting, auditing, and business consulting services. Financial Transparency offers investment advisory and financial planning services to individuals, families, retirement plans, businesses, and other organizations through a network of independent advisory representatives. The firm employs an investment approach based on Modern Portfolio Theory and the Efficient Market Hypothesis, utilizing both passive and active strategies tailored through programs ranging from entry-level to customized managed accounts.

Zachary Marcotte is a financial advisor at Berkshire Money Management, Inc. with 12 years of industry experience. He holds a Series 65 credential and has been with Berkshire Money Management since 2007. Berkshire Money Management, Inc. provides portfolio management, financial planning, consulting, college planning, and trust-and-estate planning services for a diverse client base, including individuals, high-net-worth clients, trusts, and business entities. The firm employs a personalized investment approach using macroeconomic indicators, primarily managing portfolios with no-load mutual funds, ETFs, bonds, and equities.

Brendan Bullett is a financial advisor at Berkshire Money Management, Inc. with 24 years of industry experience. He holds Series 63 and Series 66 registrations and previously worked at MountainOne Bank’s investment group and Commonwealth Financial Network for 15 years. Berkshire Money Management, Inc. offers portfolio management, financial planning, and consulting services to individual and high-net-worth clients, as well as pension plans, trusts, estates, charitable organizations, and businesses. The firm employs a personalized investment approach using macroeconomic indicators to guide asset allocation and typically manages assets under written discretionary authority with regular reviews.

Peter Gagne is a financial advisor at Berkshire Money Management, Inc. with 12 years of industry experience. He holds a Series 66 designation and previously worked at Commonwealth Financial Network, Pioneer Valley Financial Group, Mass Mutual, and Colonial Carpentry Innovations. Berkshire Money Management, Inc. offers portfolio management, financial planning, consulting, college planning, and trust-and-estate planning services to individual and high-net-worth clients, pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities. The firm uses macroeconomic indicators to guide asset allocation and primarily employs no-load mutual funds, ETFs, individual bonds, and equities, often under written discretionary authority with periodic reviews.

Scott Little is a financial advisor at Berkshire Money Management, Inc. with 24 years at the firm and 17 years of industry experience. He holds a Series 65 designation and is based in Dalton, Massachusetts. Berkshire Money Management, Inc. offers portfolio management, financial planning, consulting, college planning, and trust-and-estate planning services to a diverse client base including individuals, high-net-worth clients, pension plans, trusts, estates, charitable organizations, and businesses. The firm emphasizes personalized investment management driven by macroeconomic indicators and regularly reviews client portfolios, utilizing primarily no-load mutual funds, ETFs, bonds, and equities.

Michael O'Brien is a financial advisor at Berkshire Money Management, Inc. with one year of industry experience. He holds a Series 65 credential and has prior work experience including roles at Berkshire Fairfield Insurance Agency, Massachusetts College of Liberal Arts, and Westfield State University. Berkshire Money Management, Inc. provides portfolio management, financial planning, and trust-and-estate planning services to individual and high-net-worth clients, as well as to pension plans, trusts, charitable organizations, and businesses. The firm employs a personalized investment approach guided by macroeconomic indicators and offers coordinated tax preparation through an affiliated accounting provider.

Thomas Giardina is a financial advisor at Financial Transparency with 24 years of industry experience. He holds a Series 66 designation and has worked at firms including Envision Financial Transparency and CSSC Brokerage Services. Giardina is also president of Giardina & Bressett, a CPA firm providing financial statement and income tax preparation services. Financial Transparency offers investment advisory and financial planning services to individuals, families, businesses, and retirement plans through a team of independent advisory representatives. The firm employs asset allocation strategies based on Modern Portfolio Theory and the Efficient Market Hypothesis, using both passive and active models tailored to client needs.

John Bielski Jr. is a financial advisor at Berkshire Money Management, Inc. with 23 years of industry experience. He holds a Series 65 designation and has worked at Berkshire Money Management since 2018, following prior roles at Atlas Private Wealth Management, LLC and DION Money Management Inc. Berkshire Money Management provides portfolio management, financial planning, consulting, college planning, and trust-and-estate services to a diverse client base including individuals, high-net-worth clients, pension plans, and charitable organizations. The firm uses macroeconomic indicators to guide asset allocation and primarily employs no-load mutual funds, ETFs, individual bonds, and equities under discretionary authority with regular portfolio reviews.

Peter Coughlin is a financial advisor at Berkshire Money Management, Inc. with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Berkshire Money Management since 2016, following a year at Wells Fargo Clearing. Coughlin is also a limited partner in the Coughlin Family Limited Partnership. Berkshire Money Management provides portfolio management, financial planning, consulting, and trust-and-estate planning services to individual and high-net-worth clients, as well as pension plans, trusts, estates, charitable organizations, and businesses. The firm employs a personalized investment approach guided by macroeconomic indicators, using primarily no-load mutual funds, ETFs, bonds, and equities.

Allen Harris is a financial advisor at Berkshire Money Management, Inc. with 22 years of industry experience. He holds the Series 65 credential and has been with Berkshire Money Management since 2001. Berkshire Money Management, Inc. offers portfolio management, financial planning, consulting, college planning, and trust-and-estate planning services to a diverse client base that includes individuals, high-net-worth clients, pension plans, trusts, estates, charitable organizations, and businesses. The firm uses macroeconomic indicators to guide asset allocation and primarily employs no-load mutual funds and ETFs alongside individual bonds and equities, typically managing accounts under discretionary authority with regular reviews.

Lauren Beckett is a financial advisor at Berkshire Money Management, Inc. with eight years of industry experience. She holds a Series 65 designation and previously worked at Berkshire County ARC and UMASS Amherst. Berkshire Money Management, Inc. offers portfolio management, financial planning, consulting, college planning, and trust-and-estate planning services. The firm serves a diverse client base, including individuals, high-net-worth clients, pension plans, trusts, estates, charitable organizations, and businesses, employing a personalized investment approach guided by macroeconomic indicators and a mix of mutual funds, ETFs, bonds, and equities.

Carlos Lluch is a CFP® with 35 years of experience in the financial services industry. He has worked with LPL Financial since 1996 and has been with Perennial Financial Services since 2017. In addition to his advisory role, he operates an insurance agency, Insurance Options, which he has been involved with since 1989. Perennial Investment Advisors provides investment management, financial planning, and retirement plan consulting to individual, trust, pension, and corporate clients. The firm utilizes a range of investment strategies tailored to client goals and integrates advanced technology, including AI tools and multi-custodian platforms, managing approximately $2.5 billion in discretionary assets.