Robert Ellis is a CFP® with 24 years of experience in the financial services industry. He has worked at Amherst Financial Group, LLC since 2021 and has been affiliated with LPL Financial since 2012, following a decade at Mass Mutual Investors Services. Outside of his advisory work, he serves as an on-call volunteer firefighter for the Amherst Fire Department. Amherst Financial Group primarily serves individual investors and small businesses, offering discretionary and non-discretionary portfolio management, financial planning, and consulting. The firm’s investment strategies are tailored to client objectives and include a mix of mutual funds, ETFs, structured products, and selected individual securities, supported by relationships with TAMPs and AI-assisted research tools. Amherst also integrates insurance and employee-benefits services alongside its advisory offerings.

Ryan Flynn is a financial advisor and business planning strategist helping business owners, executives, and high-earning professionals create clarity, structure, and long-term confidence in their financial lives. He navigates personal financial planning with the realities of running and scaling a business. His approach is simplifying complexity. Clients come to him because they’re navigating growth, life transitions, rising income, or retirement and want a financial plan that ties together everything from cash flow and tax strategy to retirement income and business succession. Ryan focuses on aligning personal and business goals, identifying blind spots, and developing plans that help clients use their money intentionally. His work includes business evaluations, benefit and retirement plan analysis, cash flow structuring, tax-efficient income planning, legacy considerations, and coordinated strategies that blend financial, business, and personal priorities. Ryan is known for his clear communication, level-headed guidance, and ability to explain financial decisions in a way that feels actionable rather than overwhelming. Rooted in collaboration, partnering with CPAs, attorneys, and other advisors he ensures clients have a complete, coordinated support team. Ryan’s priority is giving clients financial confidence, developing a financial plan for their specific needs, no matter the stage of life or business. Baystate Financial does not provide qualified business valuations. For a qualified or certified business valuation, consult a properly credentialed appraiser. Neither MML Investors Services, LLC nor any of its subsidiaries, employees or representatives are authorized to give legal or tax advice. Consult your own personal attorney legal or tax counsel for advice on specific legal and tax matters. Ryan is a registered representative of and offers securities and investment advisory services through MML Investors Services, LLC. Member SIPC (www.SIPC.org). Supervisory address: Baystate Financial One Marina Park Drive, 16th Floor Boston, MA. Phone number: 617‐585‐4500. Ryan is licensed to sell Insurance products in the following jurisdictions: CA, CO, CT, KY, MA, ME, NC, NH, NY, NC, SC, TX, UT, VT Ryan is licensed to sell securities products in the following jurisdictions: CA, CT, KY, MA, NH, NJ, NY, SC, VT Ryan cannot communicate with, nor respond to requests from users who reside in jurisdictions where we are not licensed to conduct insurance and/or securities business. CA Insurance LIC#: 4371139 | State of Domicile: NH

David Hunt Jr. is a CFP® and CFA® with 16 years of industry experience, currently serving as the sole advisor at Applied Capital Management, LLC. He has worked at LPL Financial since 2020 and has been affiliated with Applied Capital Management, Inc. since 2015. Applied Capital Management provides comprehensive financial planning and consulting services to individuals, trusts, estates, and small businesses. The firm emphasizes written financial plans and ongoing consulting, supporting a large client base with customized plans developed through detailed client engagement and fundamental analysis.

Bradley Kayton is a financial advisor with Studio Ventures and Capital Advisors, LLC, holding a Series 65 designation and 12 years of industry experience. He has been with Studio Ventures since 2014 and also consults with start-up companies, providing executive management, board governance, CEO mentoring, and strategic consulting through a separate consulting firm. Studio Ventures and Capital Advisors, LLC serves family offices, high-net-worth individuals, pooled investment vehicles, and business entities by creating and managing custom private-market equity and debt funds. The firm focuses on bespoke investment programs tailored to client objectives, often emphasizing private placements and early-stage companies, and uses performance-based compensation arrangements for qualified pooled investors.

William Hurst is the principal advisor at Momentum Investment Research and Management, LLC in Wilton, NH. He holds the Series 66 and Series 63 designations and has 28 years of industry experience, including prior roles at Fidelity and Fidelity Brokerage Services. Momentum Investment Research and Management, LLC provides discretionary portfolio management and subadvisory services primarily to other advisers, as well as financial planning and account management for individual and high-net-worth clients. The firm employs a combination of fundamental, quantitative, technical, and modern portfolio theory analyses, focusing on equity-oriented, long-term trading strategies with discretionary trading authority.

Alicia Donahue is the sole advisor at Nashua Capital Management LLC, an independent firm based in Nashua, NH. She holds a Series 65 designation and has 13 years of industry experience, having led her firm since 2012. Nashua Capital Management provides discretionary portfolio management and incidental financial planning to individual and high-net-worth clients. The firm employs a long-term investment approach focused on dividend-paying growth and value companies, supplemented by ETFs, mutual funds, and fixed income for diversification.

Jeremy Gassman is the principal of Gassman Financial LLC in Salem, NH, with 28 years of experience in the financial industry. He holds Series 63 and Series 65 licenses and previously worked at Madison Avenue Securities, LLC for 13 years before focusing on his own firm. Gassman is also a licensed insurance professional involved in the sale of insurance and annuities. Gassman Financial LLC provides wealth management and financial planning services to individuals, high net worth clients, trusts, and estates. The firm manages approximately $112.6 million in assets under management, employing a long-term, diversified asset-allocation strategy using ETFs, mutual funds, individual equities, and fixed income, with discretionary portfolio management and periodic rebalancing.

Beth Lundberg is a CFP® and Series 65-registered financial advisor with five years at Hawthorne Wellman Financial Planning, LLC and a total of three years in the industry. Her prior experience includes roles at Hawthorne Wellman, LLC and Zeiders Enterprises, as well as self-employment. Outside of her advisory work, she dedicates time to an outside media project, a podcast. Hawthorne Wellman Financial Planning, LLC is a fee-only, state-registered investment adviser serving individuals, couples, and families with comprehensive financial planning and discretionary portfolio management. The firm employs an evidence-based, factor-driven, globally diversified, and cost-conscious investment approach tailored to clients’ tax situations, risk tolerances, and life goals.

Anthony Chen is an independent financial advisor at Honorable Financial Services, LLC with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked concurrently at ClearCost Health since 2014, where he serves as a quality assurance manager developing healthcare software. Prior to and during this time, he has also been associated with Transamerica Financial Advisors, Inc. and World Financial Group, Inc. Honorable Financial Services is a small, state-registered independent advisory firm serving primarily individual clients, especially lower- to middle-income individuals and families. The firm offers discretionary portfolio management and ongoing financial planning focused on retirement and life transitions, utilizing a long-term, passive ETF asset-allocation strategy implemented through the Betterment platform.

Edward Murray is a ChFC® credentialed advisor with 27 years of industry experience. He has led Family Investment Advisory, LLC since 2011 and has been involved in his own advisory and compensation architecture businesses since 1981. He is also a licensed insurance agent specializing in long-term care insurance, maintaining this role since 2008. Family Investment Advisory, LLC provides portfolio management services to individuals, trusts, and estates, focusing on diversified asset allocation and fundamental analysis. The firm develops individualized, discretionary portfolios and conducts regular reviews to adjust holdings based on client objectives and risk tolerance.

Scott Stratton is the sole advisor at Stratton Capital Management, LLC in Bedford, NH, holding Series 63 and Series 65 licenses with 26 years of industry experience. He has worked as a pilot for Federal Express Corporation since 1987 and is currently affiliated with the Airline Pilots Association International. Stratton Capital Management provides discretionary portfolio management and ongoing investment supervisory services to individual and high-net-worth clients, utilizing a combination of fundamental, technical, and cyclical analysis across a range of securities. The firm manages all assets in-house and conducts regular account reviews to align with clients’ risk tolerances and objectives.

Adam Mead is the principal advisor at Mead Capital Management, LLC, holding a Series 65 credential with 11 years of industry experience. He has been managing his independent firm since 2014 and concurrently serves as Assistant Vice President and Commercial Loan Portfolio Manager at Pentucket Bank. Mead Capital Management provides discretionary portfolio management, financial planning, and consulting services to individuals, trusts, charitable organizations, corporations, and other business entities. The firm focuses on value-oriented, fundamental analysis with a concentrated portfolio approach and serves clients who prefer a long-term, business-owner perspective on publicly traded securities.

Carl Smith is the principal of CJS Financial Advisers, an independent advisory firm based in Nashua, New Hampshire. He holds Series 63 and Series 65 licenses and has 31 years of industry experience. His prior experience includes work at Primex, and he is active as a licensed real estate sales associate and involved in a private equity firm where he serves as Senior Managing Director. CJS Financial Advisers primarily acts as a solicitor to other investment advisers while also offering direct advisory and financial planning services. The firm provides both discretionary and non-discretionary advice, employing a mix of passive and active investment strategies across multiple asset classes and uses a broker-dealer platform for trade execution and custody.

Jared Hoole is a CFP® and holds a Series 65 license, with 12 years of experience in financial planning. He is the principal advisor at Lakeside Financial Planning, LLC, where he has worked since 2014. In addition to his financial advisory role, Jared is a tax manager at Bright Horizons Family Solutions, a company specializing in early education and employer-sponsored childcare. Lakeside Financial Planning, LLC is an independent, fee-only firm serving individuals, families, and small businesses. The firm manages approximately $64 million on a discretionary basis, providing comprehensive wealth management, investment management, and financial education through community seminars. Their investment approach includes tax-focused strategies and utilizes no-load mutual funds, ETFs, bonds, and cash equivalents.

Scott Sullivan is a financial advisor with Bay Point Financial, LLC in Bedford, NH, holding Series 63 and Series 65 credentials and possessing 34 years of industry experience. He has been with Bay Point Financial since 2010 and previously worked at Triad Advisors, LLC. Outside of advising, he is involved as a corporator at Franklin Savings Bank. Bay Point Financial provides investment advisory and financial planning services to individuals, trusts, business entities, and retirement plans. The firm emphasizes a passive, index-based ETF strategy with globally diversified asset allocation and typically operates in a non-discretionary, consultative capacity, recommending third-party managers and offering ongoing account reviews and plan implementation support.

Robert Cryts is a financial advisor at Cambridge Financial Services with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera Investment Advisers LLC and Cetera Advisors LLC. He has been with Cambridge Financial Services since 1998. Cambridge Financial Services is an independent registered investment adviser serving individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm offers personalized wealth management and financial planning, employing a low-turnover, buy-and-hold investment approach using mutual funds, ETFs, and select individual securities.

Robert Creegan Jr. is a CFP® professional with 25 years of industry experience. He has been with Creegan & Nassoura Financial Group, LLC since 2000 and was previously with Creegan & Associates, LLC. The firm is an SEC-registered, fee-only investment adviser providing discretionary portfolio management and financial planning to individuals, trusts, estates, retirement plans, charitable organizations, and businesses. It emphasizes balance and diversification, tailoring portfolios to clients’ risk tolerances and objectives through fundamental and technical analysis, with a range of investment strategies including equities, fixed income, and options.

Bernard Ross III is a financial advisor with KBR Financial Solutions, an independent advisory firm, and holds Series 63 and Series 65 securities licenses. He has 26 years of industry experience and has been involved with multiple entities, including Ross Wealth Planning Group, LLC, which he has managed since 2003. KBR Financial Solutions operates as a single-advisor practice offering fee-based investment management and financial planning to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and businesses. The firm provides discretionary, custom portfolio management using a strategic and tactical allocation approach across a broad range of securities and offers specialized services such as retirement income and one-time college planning engagements.

Corey Walker is a financial advisor with Walker Capital Partners, LLC in Bedford, NH, holding Series 63 and Series 65 licenses and eight years of industry experience. His prior roles include positions at Northwestern Mutual and other financial services firms. Additionally, he serves as an Account Executive for Hortica Insurance Services, working in property and casualty insurance outside of his advisory activities. Walker Capital Partners is an independent, SEC-registered firm that provides discretionary portfolio management to individuals, high-net-worth clients, trusts, estates, and select institutional clients. The firm manages a private pooled vehicle employing a mix of fundamental and technical analysis along with option strategies, and also offers retirement-plan consulting through a third-party platform.

Eilon Amir is a financial advisor at Brownstone Financial Group LLC with two years of industry experience. He holds the Series 66 and Series 63 designations. Prior to his current role, he worked at Sakura Partners and Outcome Capital, LLC. Outside of his advisory work, he serves as Volunteer Vice President of the Board for Beit Sasson Sephardic Congregation in Newton, MA. Brownstone Financial Group LLC provides investment advisory and portfolio management services to individual clients, beginning with a tailored financial plan. The firm emphasizes asset allocation and utilizes model portfolios managed by sub-advisers, conducting ongoing account reviews and maintaining authority over sub-adviser selection and monitoring.