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Joy L

Series 65

Barrington, RI

Connective Wealth Partners, LLC

Joy joined The Financial Gym in 2017 as a Certified Financial Trainer. She worked with people at every stage of their financial lives. Some were just getting started, some were paying off debt, and others were growing their wealth or planning for big life changes. In each case she helped them make confident, informed choices that fit their own goals. After passing the Series 65 exam in 2024, Joy became an Investment Adviser Representative. She serves clients through Connective Wealth Partners, LLC (“CWP”), an SEC-registered investment adviser that operates The Financial Gym Advisors and Private Wealth Collective as d/b/a names. Joy holds a B.S. in Advertising and Marketing Communications from Johnson & Wales University. Before she started in personal finance, she spent five years at creative advertising agencies, including BBDO New York and Burns Group. She worked on campaigns for household brands such as Mars Chocolate (M&M’s and Dove), Yellow Tail wine, Post Foods and Ricola. Studying what drives people to buy shapes how she thinks about behavioral finance today. She helps clients understand the “why” behind their spending and saving habits, so they can make money decisions with more clarity and confidence. Connective Wealth Partners is an SEC-registered advisory that provides discretionary wealth management and financial planning services to individuals, high-net-worth clients, trusts, and estates. The firm employs a fundamental analysis investment approach with a long-term orientation and manages diversified portfolios including ETFs, equities, bonds, mutual funds, and alternative investments.

Cash flow / budgeting Debt management Retirement income strategy Early retirement planning Life coaching / goal alignment Financial coaching / therapy Behavioral coaching / decision support
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Jonathan K

Series 66, Series 65

Providence, RI

Efficient Capital Strategies, LLC

Jonathan Kuczmarski is a financial advisor at Efficient Capital Strategies, LLC with 12 years of industry experience. He holds Series 66 and Series 65 licenses and previously worked at WhaleRock Point Partners, LLC and Ameriprise. In addition to his advisory work, he maintains an active real estate salesperson license and dedicates part of his time to real estate activities. Efficient Capital Strategies is an independent firm that provides customized, goals-based financial planning, discretionary portfolio management, and advisory consultations, including services for endowment and pension boards. The firm’s value-oriented investment approach incorporates fundamental analysis with complementary technical analysis and serves both high-net-worth individuals and institutional clients.

ESG / Sustainable investing Passive / index investing Active portfolio management Real estate investing
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Kurt J

Series 63, Series 65

Barrington, RI

Income Associates

Kurt Jamiel is the principal advisor at Income Associates, an independent firm based in Barrington, RI. He holds Series 63 and Series 65 licenses and has 29 years of industry experience. His prior roles include positions at Cetera and Summit Financial Group. Outside of advising, he owns and operates Quiet Keeper LLC, a sales and service business. Income Associates provides discretionary asset management, financial planning, and retirement-plan advisory services to individuals, high-net-worth clients, and businesses. The firm emphasizes client-specific, discretionary investment strategies using a mix of fundamental, technical, and quantitative analysis, often implementing third-party model portfolios and sub-advisors while offering ERISA 3(21) fiduciary services for employer-sponsored retirement plans.

General retirement planning Income planning Wealth management Tax-loss harvesting Retirement plans for business owners (SEP, solo 401k)
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Francis H

Series 63

Warwick, RI

Hacket Asset Management, Inc.

Francis Hacket is the sole advisor at Hacket Asset Management, Inc. in Warwick, RI, holding a Series 63 designation with 33 years of industry experience. He has been with Hacket Asset Management since 1991. Hacket Asset Management provides investment advisory and portfolio management services primarily to individual clients, managing approximately $12.5 million across about 20 client relationships. The firm employs a discretionary, client-specific approach with periodic portfolio reviews and documented trading and oversight practices.

Active portfolio management Options & derivatives strategies
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Earle J

Series 65

Westport, MA

Boselah Investments

Earle Johnson is a financial advisor at Boselah Investments with 11 years of industry experience. He holds a Series 65 designation and has led Boselah Investments since 2014. His background includes public accounting and commercial banking. Boselah Investments provides discretionary investment management and tailored portfolio services for individuals, high-net-worth investors, businesses, and trusts. The firm employs a range of instruments and strategies, including fundamental, technical, and cyclical analysis, and conducts active trading primarily through Interactive Brokers’ platform.

Active portfolio management Options & derivatives strategies Concentrated stock management
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Susan G

CFP®, Series 65

Saunderstown, RI

South County Wealth Planning

Susan Gardiner is a CFP® and holds a Series 65 license with five years of industry experience. She is the sole advisor at South County Wealth Planning and has previously worked at Forbes Financial Planning, Inc., Rhode Island Housing, and the Rhode Island Senate President’s office. She also provides financial planning services on a contract basis for Origin Financial. South County Wealth Planning serves individual clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm employs a disciplined, long-term investment strategy emphasizing strategic asset allocation, diversification, and tax efficiency, and offers both discretionary investment management and various financial planning services, including retirement and estate planning.

Business ownership considerations Cash flow / budgeting College savings (529s, UTMA, etc.) Retirement income strategy
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Steven A

CFP®

Swansea, MA

GrowthFocus Wealth Management LLC

Steven Antunes is a CFP® professional with six years of experience in financial advisory roles. He is the sole advisor at GrowthFocus Wealth Management LLC in Swansea, MA, where he has worked since 2020. His prior experience includes positions at CITIZENS Bank and SK Wealth Management, LLC. GrowthFocus Wealth Management is an independent, single-advisor registered investment adviser serving individual and high-net-worth clients. The firm employs a long-term, fundamental analysis approach using primarily low-cost, diversified mutual funds and ETFs, with portfolios customized to client goals and risk tolerance.

General retirement planning Income planning General tax planning Wealth management
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James T

Series 63, Series 65

Providence, RI

Lodestar Wealth, LLC

James Tavares is a financial advisor with Lodestar Wealth, LLC in Providence, RI, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. His prior roles include positions at Quasar Distributors, LLC and Horizon Investments. He also supports a startup healthcare financial technology firm without receiving compensation. Lodestar Wealth Public Benefit, LLC is an independent registered investment adviser serving individuals, including high-net-worth clients, and business entities. The firm uses ETF-based, long-term portfolios guided by documented Investment Policy Statements and employs a combination of modern portfolio theory, fundamental, quantitative, and technical analysis to construct diversified allocations.

College savings (529s, UTMA, etc.) Life insurance needs analysis Debt management
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Roger S

Series 65

Fall River, MA

Northeast Capital Management, Inc.

Roger Saint Pierre is a Series 65-licensed financial advisor with 30 years of industry experience. He has been with Northeast Capital Management, Inc. since 1999 and also has a long-standing association with Rhs Associates dating back to 1973. Northeast Capital Management provides discretionary investment management services to individuals, high-net-worth clients, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporate entities. The firm employs both fundamental and technical analysis and implements client-specific portfolios using a range of strategies tailored to each client’s objectives.

Active portfolio management
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Mark N

Series 63, Series 65

Fall River, MA

Southcoast Advisory Group, Inc.

Mark Nassiff Jr. is the sole advisor at Southcoast Advisory Group, Inc. in Fall River, MA, holding Series 63 and Series 65 licenses with 14 years of industry experience. He has managed Southcoast Advisory Group since 2012 and has operated Nassiff Financial since 2007. Outside of advisory services, he is also involved in real estate sales and insurance. Southcoast Advisory Group provides investment supervisory services to individual clients, creating customized Investment Policy Statements and recommending diversified portfolios. The firm employs fundamental analysis and both long- and short-term trading strategies, while allowing clients to direct brokerage and retaining no discretionary trading authority.

Real estate investing
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Eduardo B

CFP®, CFA®, Series 66

Providence, RI

Goal Wealth Advisory Group, LLC

Eduardo Borges is a CFP® and CFA® with 10 years of industry experience. He has held positions at Morgan Stanley Private Bank and Fortune Financial Services before founding Goal Wealth Advisory Group, LLC. Borges holds a Series 66 license and is also licensed to sell life and health insurance. Goal Wealth Advisory Group, LLC offers investment management, comprehensive financial planning, and employer retirement-plan consulting to individuals, including high-net-worth clients, as well as nonprofit and charitable organizations. The firm primarily uses a passive investment approach with index mutual funds and ETFs, incorporating fundamental, technical, and cyclical analysis to evaluate sectors and securities, while tailoring portfolios to client objectives and tax considerations.

Business ownership considerations Business exit / sale strategy Cash flow / budgeting College savings (529s, UTMA, etc.) General estate planning guidance
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Charles M

Series 65

Providence, RI

Charles J. Means & Co., LLC

Charles Means is the sole advisor at Charles J. Means & Co., LLC, an independent firm based in Providence, RI. He holds a Series 65 designation and has 24 years of experience managing client portfolios. Means has led his firm since 2002. Charles J. Means & Co., LLC offers customized investment management primarily for individuals, IRAs, trusts, estates, and charitable organizations, acting mainly as a discretionary manager. The firm emphasizes tailored recommendations and security analysis using fundamental, technical, and cyclical methods, with routine quarterly account reviews. It frequently serves in operational fiduciary roles, including trustee and executor, and operates on a fee-only basis without offering standalone financial planning services.

Concentrated stock management Retired
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Dan P

CFP®, CFA®, CPWA®, EA

Fall River, MA

South Coast Planning & Wealth Management

South Coast Planning & Wealth Management was started on the premise that everyone should have access to personalized, quality financial planning & investment management — regardless of income or asset level. Dan has 18+ years of investment & financial planning experience working with individuals and institutions. His investment experience & financial planning expertise is what allows him to get results for both clients who are just getting started on their financial journeys, near or in retirment, and those with complex situations. He attended the University of Massachusetts and has a Master’s degree in Finance from Northeastern University. Dan is also a board member of CFA Society Providence.

General retirement planning Established Professionals Young Professionals Baby Boomers (Born 1946-1964)
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Robert S

Series 63, Series 65

New Bedford, MA

Yankee Investor, LLC

Robert Sullivan is a financial advisor at Yankee Investor, LLC in New Bedford, MA, holding Series 63 and Series 65 designations with 20 years of industry experience. He previously worked at Ballow & Hutchinson Realty Group from 2015 to 2017 before joining Yankee Investor in 2017. Yankee Investor serves individuals, high-net-worth individuals, trusts, and estates primarily in Massachusetts, offering discretionary investment management alongside financial planning and consulting. The firm employs a long-term, fundamental analysis approach using low-cost mutual funds and ETFs, with personalized portfolio strategies and ongoing client communication.

Active portfolio management
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Darryl M

Series 63, Series 65

Somerset, MA

Wade Management LLC

Darryl Melcher is a financial advisor at Wade Management LLC in Somerset, MA, with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has been affiliated with Fieldpoint Private Securities, LLC since 2011. Outside of his advisory role, he is involved in the life insurance business through Mass Mutual. Wade Management LLC provides investment supervisory services to individuals, high-net-worth clients, and pension and profit-sharing plans. The firm employs a multi-method investment approach, including charting, fundamental, technical, and cyclical analysis, and uses both long-term and short-term trading strategies with a mix of traditional and higher-risk instruments.

Active portfolio management Options & derivatives strategies Concentrated stock management
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James H

Series 63, Series 65

Rehoboth, MA

James Horton, LLC

James Horton is the sole advisor at James Horton, LLC, an independent firm based in Rehoboth, MA. He holds Series 63 and Series 65 designations and has 26 years of industry experience, having operated his own firm since 2000. Horton is also a licensed insurance agent offering life, disability, long-term care products, annuities, and health insurance. James Horton, LLC provides discretionary investment supervisory services and individual portfolio management to individuals, including high-net-worth clients, pension and profit-sharing plans, and small businesses. The firm uses a mix of fundamental and technical analysis with strategies ranging from long-term buy-and-hold to short-term trading, managing approximately $45.3 million for about 66 clients.

Active portfolio management Annuities
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Joseph D

CFP®, Series 63, Series 66

Somerset, MA

JMD Financial Planning Inc.

Joseph Digiammo Jr. is a CFP® professional serving as the sole advisor at JMD Financial Planning Inc. in Somerset, MA. He holds Series 63 and Series 66 registrations and has previously worked at Valtech and Publicis Sapient. He also maintains an outside consulting role that occupies about 20% of his time. JMD Financial Planning Inc. offers discretionary asset management and financial planning primarily to individual and high-net-worth clients, tailoring investment programs using equities, fixed income, mutual funds, ETFs, and limited conservative options strategies. The firm manages accounts separately without aggregating trades, does not vote client proxies, and discloses potential exposure to cryptocurrency ETFs in its investment approach.

Options & derivatives strategies Wealth management Tax-loss harvesting
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Jeffrey B

CFP®, ChFC®, Series 63, Series 65

East Providence, RI

Brown Advisory Group, LLC

Jeffrey Brown is a CFP® and ChFC® with 38 years of industry experience. He is the owner and Investment Advisor Representative of Brown Advisory Group, LLC, where he has worked since 2006. Prior to and concurrent with his role at Brown Advisory Group, he has been associated with Triad Advisors, Inc. and Vanderbilt Securities, LLC. Outside of his advisory work, he manages a realty group and serves as president and building manager of a commercial office park. Brown Advisory Group provides investment management, retirement and comprehensive financial planning, and consulting to individuals, trusts, estates, and retirement plans. The firm employs a dynamic, tactical asset allocation approach using a five-profile risk framework and offers access to multiple wrap-fee programs and select private placements.

General retirement planning Retirement income strategy Private / alternative investments Tax-loss harvesting
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Stephen C

Series 65

Barrington, RI

Hall Capital Management Company, Inc.

Stephen Clair Jr. is a financial advisor at Hall Capital Management Company, Inc. with 12 years of industry experience. He has been with Hall Capital since 2013 and holds a Series 65 designation. Outside of his advisory role, he is a 50% owner of Island Adventures Inc., a bicycle rental business in Newport, Rhode Island, where he manages the website and bookkeeping. Hall Capital Management serves individuals, high-net-worth clients, pension and profit-sharing plans, charitable institutions, corporations, and trustees. The firm employs a fundamental analysis-driven investment process with model portfolios focused on long-term capital appreciation and dividend income, complemented by actively managed fixed-income strategies. It is notable for integrating accounting and tax expertise into its advisory services, including in-house tax preparation and consulting.

Wealth management Retirement plans for business owners (SEP, solo 401k) General tax planning
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Leonard H

CFP®, Series 63, Series 65

Fall River, MA

Hirst Financial Independence Planning, Inc.

Leonard Hirst II is a CFP®-certified financial advisor with 32 years of industry experience. He is the principal of Hirst Financial Independence Planning, Inc., where he has worked since 2016. Prior to this, he spent 12 years at CWM, LLC, and 20 years at Hirst Wealth Management, Inc. In addition to his financial advisory work, Leonard practices law as an attorney at his own law office. Hirst Financial Independence Planning, Inc. provides fee-only financial planning and wealth management services to individuals, high-net-worth clients, businesses, and charitable organizations. The firm manages client accounts on a discretionary basis, focusing on personalized investment policies and fundamental analysis to build diversified portfolios tailored to each client’s objectives and risk tolerances.

General retirement planning General tax planning Wealth management Charitable giving & philanthropy
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