With over 18 years of experience in financial planning, estate management, and investment advisory services, I founded Vineyard Wealth Group to help families, individuals, and non-profits navigate their financial journeys with confidence. My approach combines personalized planning, trusted advice, and innovative strategies tailored to each client’s unique goals and values, with a particular emphasis on Social Security analysis and decision-making as a cornerstone of financial success. Prior to starting Vineyard Wealth Group, I spent nearly 14 years at Charles Schwab, managing a $15 billion complex with over 30 employees, and served as a Senior Financial Advisor at Martha's Vineyard Investment Advisors. These experiences honed my ability to deliver comprehensive and collaborative wealth management solutions. As a CERTIFIED FINANCIAL PLANNER® professional, I bring advanced expertise in asset management, estate planning, tax strategies, and Social Security planning, along with credentials as an Accredited Asset Management Specialist® and Chartered Mutual Fund Counselor®. My Six Sigma Black Belt certification further reflects my commitment to efficiency and excellence in service delivery. Beyond the numbers, I’m deeply invested in my community. I serve on the board of the Martha’s Vineyard YMCA, actively support local initiatives, and completed the 2023 Boston Marathon, raising over $8,000 for the Doug Flutie Jr. Autism Foundation. Let’s connect and explore how I can help you achieve financial clarity, optimize your Social Security decisions, and enjoy lasting peace of mind.

James Shannon is a CFA® charterholder with 11 years of industry experience. He is the sole advisor at Shannon Investment Management, an independent firm based in Falmouth, MA. Prior to founding his firm, he has been affiliated with SoFi Securities LLC and Social Finance, Inc. since 2012. Shannon Investment Management provides fee-only, discretionary investment management and ongoing investment guidance to individuals, families, trusts, businesses, and nonprofit entities. The firm primarily utilizes passively managed exchange-traded funds, applying principles from modern portfolio theory and market-efficiency research to build diversified portfolios with strategic and tactical asset allocation.

Daniel Seidman is the sole advisor at Seidman Investment Portfolios in Vineyard Haven, MA, holding a Series 63 designation with 33 years of industry experience. He has led his independent firm since 1988. Outside of advisory services, he is also a licensed insurance agent and owner of an insurance agency. Seidman Investment Portfolios offers tailored portfolio management and comprehensive financial planning to individual investors, including high-net-worth clients, as well as institutional clients such as pension plans, endowments, and charitable organizations. The firm combines a long-term, low turnover investment philosophy with active tactical management, utilizing research from public and subscription sources and conducting regular account reviews.

I’m T.J. van Gerven, founder of Memento Financial Planning—a virtual, fee-only firm helping high-earning couples in their 30s and 40s align their money with what matters most. Most of my clients are navigating complex financial lives: managing equity comp, balancing student loans and child care, investing excess cash, and trying to figure out when enough is enough. I help them make smart, tax-efficient decisions while building toward a life of financial flexibility—where work becomes a choice, not a necessity. My planning process combines technical expertise with deeper conversations around values and purpose. Because financial planning isn’t just about growing net worth—it’s about using your resources to live more intentionally. When I’m not reviewing tax returns or modeling equity strategies, I’m probably road tripping with my partner, wandering a farmer’s market, or listening to a philosophy podcast.

Jeffrey Cutter is a financial advisor with Cutter Financial Group LLC in Falmouth, MA, holding the PFS™ and Series 66 designations and having 19 years of industry experience. He has worked at Cutter Financial Group since 2006 and Precision Capital Management since 2015. Outside of advisory roles, he is involved in insurance and financial product sales through independent contracting arrangements. Cutter Financial Group provides investment advisory and planning services to individuals, high net worth clients, trusts, estates, and charitable organizations. The firm employs a risk-first investment approach focused on retirement income needs and offers portfolio management primarily through mutual funds, with additional services including income, legacy, risk management, and advanced tax planning.

Ethan Kapsambelis is a financial advisor at Cutter Financial Group LLC with five years of industry experience. He holds a Series 66 designation and has worked at Cutter Financial Group since 2022 and Wood Wealth Group since 2021. Outside of finance, he is involved in a custom cabinetry business where he manages project development and implements efficiency tools. Cutter Financial Group provides investment and retirement planning services to individuals, high-net-worth clients, trusts, estates, and charitable organizations. The firm emphasizes a risk-first approach focused on retirement income needs and employs model mutual-fund portfolios along with third-party asset management programs.

Jennifer Farrington is a Series 65-licensed advisor with Cutter Financial Group LLC, where she has worked since 2018. She has seven years of industry experience and also serves as the Associate Director of Regulatory Affairs for Associates of Cape Cod, Inc., a consulting role she has held since 2005. Cutter Financial Group provides investment advisory and planning services to individuals, high net worth clients, trusts, estates, and charitable organizations. The firm employs a risk-first investment approach focused on retirement income needs and offers services including income planning, legacy planning, risk management, and portfolio management.

Raymond Laporte is a financial advisor at Martha's Vineyard Investment Advisors, LLC with 31 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at LPL Financial, LLC for 20 years prior to joining his current firm in 2019. Martha's Vineyard Investment Advisors provides financial planning, investment management, and wealth management services to a diverse client base, including high-net-worth individuals, trusts, estates, and institutional clients. The firm builds customized portfolios using a combination of traditional and alternative investments guided by Modern Portfolio Theory, and it operates as a wholly owned subsidiary of Martha’s Vineyard Savings Bank.

Robert Mascali is a financial advisor at Martha's Vineyard Investment Advisors, LLC with four years of industry experience. He has worked at Martha's Vineyard Investment Advisors since 2022 and previously held roles at BourgetLaw and The Centers. Martha's Vineyard Investment Advisors provides financial planning, investment management, and wealth management services to individuals, trusts, estates, foundations, corporations, and certain banking or trust entities. The firm employs an investment approach grounded in Modern Portfolio Theory, combining proprietary strategies with independent managers, and offers consulting services including business, trust and estate, tax, and distribution planning.

Leslie Stovall is a financial advisor at Martha's Vineyard Investment Advisors, LLC with two years of industry experience. She holds a Series 66 designation and has previously worked at LPL Financial LLC. Outside of her advisory role, she is a licensed notary in the state of Massachusetts. Martha's Vineyard Investment Advisors provides financial planning, investment management, and wealth management services to individuals, trusts, estates, foundations, corporations, and banking or trust entities. The firm employs an investment approach based on Modern Portfolio Theory, combining proprietary strategies with independent managers and offering ongoing manager due diligence and portfolio rebalancing.

Steven Carlson is a financial advisor at B.B. Graham & Company, Inc. with 34 years of industry experience. He previously worked at Carlson Financial and Crown Capital Securities. Outside of financial advising, he is also a licensed real estate agent involved in real estate sales. B.B. Graham & Company provides investment advisory and financial planning services to individuals, pension plans, trusts, estates, corporations, and small businesses. The firm employs fundamental, technical, and cyclical analysis and offers both discretionary and non-discretionary asset management, often utilizing third-party asset managers.

Colleen Mc Gettrick is a financial advisor at Martha's Vineyard Investment Advisors, LLC with four years of industry experience. She holds a Series 66 designation and has worked at LPL Financial, Martha's Vineyard Bank, Bank of America, and Merrill Lynch. Martha's Vineyard Investment Advisors provides financial planning, investment management, and wealth management services to individuals, trusts, estates, foundations, endowments, corporations, and retirement plans. The firm employs a Modern Portfolio Theory approach, combining various asset classes and both proprietary and independent strategies to create customized portfolios tailored to clients' risk tolerance and financial goals.

Thomas Juster is a CFP® professional with 11 years of industry experience, currently serving at Martha's Vineyard Investment Advisors, LLC since 2019. He is also the owner of a retail business through Slate LLC, an unrelated non-investment activity. Martha's Vineyard Investment Advisors, LLC provides financial planning, investment management, and wealth management services to individuals, trusts, estates, foundations, corporations, and certain banking or trust entities. The firm employs a Modern Portfolio Theory-based investment approach and offers both discretionary portfolio management and consulting services, supported by an affiliation with Martha's Vineyard Savings Bank.

James Anthony is a financial advisor at Martha's Vineyard Investment Advisors, LLC with 17 years of industry experience. He holds the Series 66 designation and has previously worked at LPL Financial and Ironworks Investments, Inc. He has been involved with Martha's Vineyard SVGs since 2017. Martha's Vineyard Investment Advisors, LLC provides financial planning, investment management, and wealth management services to individuals, trusts, estates, foundations, corporations, and certain banking or trust entities. The firm’s investment approach is based on Modern Portfolio Theory and emphasizes asset allocation, diversification, and risk-factor exposure, combining proprietary strategies with independent managers and ongoing due diligence.

Philip Nehro is a CFP® professional with 20 years of industry experience, currently with Empirical Asset Management, LLC. His prior experience includes 17 years at First National Advisors LLC and a year at Virtue Capital Management, LLC. Outside of his advisory role, he serves as a board member for the Thomas More Center for Prayer and as president of the board for the Falmouth Preservation Alliance. Empirical Asset Management provides discretionary investment management to a diverse client base, including individuals, trusts, retirement plans, and institutions. The firm employs a rules-based, long-term investment approach using proprietary methodologies and a variety of model strategies constructed from low-cost ETFs, mutual funds, and selected securities.

Richard Seeley is a CFP® and holds a Series 65 license with 22 years of industry experience. He has been with Pinney & Scofield, Inc. since 2013. The firm provides investment management and financial planning services to individuals, families, trusts, and charitable organizations, serving both non‑HNW and high‑net‑worth clients on a fee‑only, primarily discretionary basis. Pinney & Scofield employs a long‑term, efficient‑markets approach with broadly diversified portfolios that include index and factor mutual funds and ETFs, emphasizing periodic rebalancing over market timing.

Louise Sharp is a financial advisor at Commonwealth Financial Network with 33 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Commonwealth since 2002. Since 2007, she has also been affiliated with Sharp & Linhart Financial Strategies. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing roughly $212.7 billion in client assets. The firm provides a broad adviser-support platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Ove Asendorf is a financial advisor at Janney Montgomery Scott with three years of industry experience and a Series 66 designation. Prior to joining Janney, he held positions in real estate and hospitality. He serves as a board member of Neighborhood Falmouth, a local nonprofit supporting senior citizens, and is the vice president of BNIK Cape Cod, a business networking group. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, estates, and institutional clients, offering brokerage services, financial planning, and advisory programs through in-house and third-party portfolio management.

Nancy Garrison is a CFP® and ChFC® with 38 years of experience in the financial services industry. She is currently associated with Primerica Advisors and has worked at Park Avenue Securities and Guardian Life Insurance Company in various capacities since 2015. Outside of her advisory roles, she is involved with Hilton Garrison, LLC, which offers financial planning and related services. Primerica Advisors serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm provides both brokerage and advisory services, utilizing a range of investment strategies and proprietary programs.

Reid Quattlebaum is a financial advisor at Mercer Global Advisors Inc. with one year of industry experience. He holds a Series 65 designation and has worked at firms including LPL Financial, Martha's Vineyard Bank, and Wilmington Trust. Mercer Global Advisors provides investment advisory and planning services to individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofits. The firm uses a Modern Portfolio Theory-based approach emphasizing globally diversified, risk-appropriate portfolios with multi-factor tilts, employing various implementation options such as ETFs, mutual funds, and separate accounts.

Janet Chadie is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 66 licenses and over 21 years of industry experience. She has been with Janney Montgomery Scott since 2007. Outside of her advisory role, she manages a rental property in Florida. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing roughly $110 billion in client assets. The firm serves a broad client base including individuals, families, trusts, corporate and retirement plan sponsors, and offers diverse brokerage and advisory services through in-house and third-party portfolio management.

Kathleen Landrigan is a financial advisor with Bankers Life Advisory Services, Inc., holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. She previously worked at Ameriprise Financial Services, Inc. from 2011 to 2020 and has been with Bankers Life entities since 2021. Bankers Life Advisory Services, Inc. provides discretionary portfolio management and investment consulting primarily to mass-affluent and high-net-worth individuals, focusing on customized asset allocation, tax efficiency, and a combination of fundamental and technical analysis to guide investment decisions.

Melissa Ferro is a financial advisor at Janney Montgomery Scott with 12 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Janney Montgomery Scott since 2016. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse range of clients, including individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering brokerage services, financial planning, consulting, and multiple advisory programs.

Andrew Zimmerman is a financial advisor at Merrill with 36 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Merrill and Bank of America since 2016. Outside of his advisory work, he serves on the board of a nonprofit dedicated to preserving Quissett Harbor in Woods Hole, MA. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Edouard Begin is a financial advisor with LPL Financial in Oak Bluffs, MA, holding Series 63 and Series 66 licenses and eight years of industry experience. He has worked at LPL Financial and Rockland Trust Company since 2017 and previously at MVSB from 2014 to 2017. Outside of his advisory work, he operates a separate business unrelated to investments called Clambulance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, providing both discretionary and non-discretionary management supported by in-house and third-party research.

Matthew Littlefield is a financial advisor with UBS Financial Services in Chilmark, MA, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has been with UBS since 2014. Outside of his advisory role, he serves on the board of Menud Co., a health and wellness company, and is treasurer for the UMass Amherst Endowment and Foundation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, using a combination of model-based asset allocations and proprietary research to tailor financial plans and portfolio management. The firm integrates institutional trading capabilities with wealth management services and provides a broad range of capital markets and advisory solutions.

Timothy Quill is a financial advisor with LPL Financial based in Falmouth, MA, holding Series 63 and Series 65 licenses and possessing 28 years of industry experience. He has been affiliated with both LPL Financial and Rockland Trust Company since 2009. Quill also serves as a relationship manager and business development officer for Rockland Trust’s wealth management department. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, financial institutions, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from internal and external sources.

Evelina Fitzgerald is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds a Series 66 designation and has worked previously at TD Bank N.A., Bank of America N.A., Merrill Lynch, and Harvest Development. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using quantitative asset-allocation modeling and centralized due diligence, including an ESG eligibility framework.

Kerry Falco is a financial advisor at Morgan Stanley with 31 years of industry experience. He has held roles at Morgan Stanley since 2019 and previously worked at Weston Financial Group, Inc. and Weston Securities Corporation for over three decades. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and structured financial planning services supported by firm-approved tools and models.

Leo Connolly is a financial advisor at Edward Jones with 41 years of industry experience. He has held the Series 63 and Series 65 designations and has been with Edward Jones since 2000. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Mark Alexander is a financial advisor with Ameriprise who holds Series 63 and Series 65 licenses and has 30 years of industry experience. He has worked at Ameriprise since 2018 and previously spent nine years at Investment Professionals, Inc. in the financial sector. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Sarah Laird is a financial advisor at Raymond James Financial with 10 years of industry experience. She holds the Series 66 designation and previously worked at Wells Fargo Advisors Financial Network LLC for six years. In addition to her advisory role, she is an associate at Lightship Capital Management in Vineyard Haven, MA. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individual and high-net-worth clients, as well as institutions and charitable organizations. The firm provides non-discretionary planning tailored to client goals and supports a large network of advisors with a range of advisory programs and institutional consulting.

Jonathan Laird is a CFP® with 30 years of industry experience, currently with Raymond James Financial Services Advisors, Inc. since 2021. He previously worked at Wells Fargo Advisors Financial Network LLC for 12 years. Outside of his advisory role, he is the CEO of Lightshp Capital Management, a support company contracted with Raymond James Financial Services. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional accounts. The firm offers tailored non-discretionary planning and utilizes analytical tools to support client decision-making.

Robert Areano is a Wealth Management Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Robert earned an Associate's Degree from Massachusetts Bay College. His expertise focuses on wealth management and investment advisory services within the financial sector.

Todd Drummey is a CFP® with 31 years of industry experience, currently affiliated with OSAIC since 2023. He has also worked at SagePoint Financial, Inc. since 2009 and operates an independent advisory business under his own name. Outside of his advisory work, Drummey is involved in community and nonprofit activities, including serving on the board of a local trap and skeet club, acting as a trustee for a family foundation and a revocable trust, and volunteering with a local Boy Scout troop. OSAIC serves a diverse client base ranging from individual investors to large institutions, offering integrated brokerage and advisory services through a broad network of financial advisers. The firm utilizes advanced portfolio construction tools and multiple advisory platforms to provide customized investment solutions.