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.

Jonathan Kuczmarski is a financial advisor at Efficient Capital Strategies, LLC in Providence, RI, with 12 years of industry experience. He holds Series 65 and Series 66 licenses and has worked previously at WhaleRock Point Partners, LLC and Ameriprise. His firm provides customized, goals-based financial planning, discretionary portfolio management, and advisory consultations for both individual and institutional clients. Efficient Capital Strategies employs a value-oriented investment approach centered on fundamental analysis and offers services including project-based consultations and performance reviews, serving high-net-worth individuals as well as corporate and institutional clients.

David Dicenso is a financial advisor with Green Street Wealth Advisory, LLC, holding Series 63, 65, and 66 licenses and bringing 38 years of industry experience. He has been with Green Street Wealth Advisory since 2017, following prior roles at Summit Financial Group and Summit Brokerage Services. Green Street Wealth Advisory provides customized investment management to individual investors, corporations, and other business entities, using a long-term, buy-and-hold approach based on fundamental and technical analysis. The firm operates on a fee-only basis, offers services on both discretionary and non-discretionary terms, and provides portfolio management for institutional-type clients as well as allocations within variable annuity contracts.

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.

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.

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.

Michael Lally is the principal advisor at Lally Wealth Management, LLC, an independent firm based in North Kingstown, Rhode Island. He holds Series 63 and Series 65 credentials and has 18 years of industry experience, including roles at Voya Investment Management, Citizens Securities, Banc of America Investment Services, and Quick & Reilly. In addition to his advisory work, he is also licensed as a life insurance agent. Lally Wealth Management serves individuals, high-net-worth clients, charities, retirement plans, and business entities by providing financial planning, retirement plan consulting, and facilitating investment management through third-party advisers and turnkey asset management platforms. The firm typically does not manage individual portfolios directly but acts as a co-adviser or promoter, maintaining limited discretionary authority and conducting regular client reviews.

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.

Abel Pizarro Jr. is a financial advisor with Pizarro Advisors in Taunton, MA, holding Series 63 and Series 65 licenses and two years of industry experience. His career includes roles at New Leaf, PFS Investments Inc., and Primerica Financial Services. Outside of advising, he has a minority ownership interest in a cannabis dispensary. Pizarro Advisors provides financial planning, business consulting, and wealth management services to individuals and companies, offering both discretionary and non-discretionary portfolio management. The firm’s investment approach focuses on asset allocation informed by fundamental and macroeconomic analysis, incorporating considerations such as money supply, interest rates, commodity valuations, and relevant political developments.

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.

Joseph Kolb is a CFP® professional with 18 years of industry experience. He is the principal advisor at Wickford Wealth Management, LLC, where he has worked since 2012 following four years at Strategicpoint Investment Advisors. Wickford Wealth Management serves individual and high-net-worth clients with discretionary investment management, financial planning, and consulting. The firm employs a core-and-satellite investment approach using low-cost mutual funds and ETFs, combined with fundamental and technical analysis, and applies tactical adjustments to manage risk and pursue incremental outperformance.

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.

Gabriel Alvarez is the sole advisor at Alvarez & Associates Financial. He holds Series 63 and Series 65 licenses and has two years of industry experience, including prior roles at Fidelity Investments and self-employment periods. Outside of advising, he spends a portion of his time working as a rideshare driver. Alvarez & Associates Financial is an independent, fee-only registered investment adviser serving individuals, high-net-worth clients, charitable organizations, and businesses. The firm provides personalized investment management and financial planning using a combination of active and passive strategies, including access to third-party platforms and managers.

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.

John Connaughton is a CFP® professional at Rhodeway Financial with three years of industry experience. He previously worked at Columbia Funds and FINRA and serves as a paid independent trustee of the Columbia Funds. Rhodeway Financial offers financial planning and financial literacy seminars primarily for individuals and nonprofit organizations, focusing on investment, retirement, tax, college, and debt planning. The firm emphasizes mutual funds, particularly within employer-sponsored retirement plans, and provides non-discretionary advice without managing client portfolios or charging asset-based fees.

Shaun Jones is a CFP® with 25 years of industry experience and is the sole advisor at Jones Fiduciary Wealth Management LLC in Pawtucket, RI. He previously worked for Diamond State Financial Group Inc, Minnesota Life, and Securian Financial Services INC from 2001 to 2021. In addition to his advisory work, Mr. Jones is a published author of *UnBrainwashed Investing: Protecting Your Portfolio From Today's Mislead Industry*. Jones Fiduciary Wealth Management serves individuals, families, trusts, estates, businesses, and charitable organizations by providing comprehensive financial planning, discretionary investment management, and consulting services. The firm utilizes a discovery-driven planning process to create customized portfolios and offers access to private pooled investment vehicles, including a series of real estate partnerships managed by Mr. Jones.

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.

Eric Thomson is a financial advisor at Zarathustra Wealth Management in Providence, RI, holding a Series 66 designation with seven years of industry experience. His prior roles include positions at Coastal Financial Planning, Edward Jones, Staples Business Advantage, Amica Insurance, and Schneider Electric/APC. Zarathustra Wealth Management offers fee-only financial planning and discretionary portfolio management to individual investors, small business owners, pension plans, foundations, and other institutional clients. The firm employs an evidence-based, quantitatively driven investment approach, combining broad index exposure with selective stock holdings and providing pension consulting as well as educational workshops.

Charles Means is the sole advisor at Charles J. Means & Co., LLC in Providence, RI, holding a Series 65 credential with 23 years of industry experience. He has led his firm since 2002, providing personalized investment management services. Charles J. Means & Co., LLC offers customized, discretionary portfolio management primarily for individuals, IRAs, trusts, estates, and charitable organizations. The firm manages approximately $84 million across about 59 accounts, focusing on equity and debt securities aligned with macroeconomic views and client objectives.

Barry Misbin is a financial advisor with The Capital Group in Cranston, RI, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with The Capital Group and its affiliated entities since 2000 and has also worked at Fortune Financial Services since 2018. Misbin serves as vice president of The Capital Group Investment Advisors, Inc. and president of The Capital Group Financial Advisors, Inc. The Capital Group Investment Advisors, Inc. offers personalized financial planning and investment management to individuals, trusts, charitable organizations, corporations, and retirement plans. The firm manages approximately $56 million in client assets across around 268 client relationships, providing customized portfolios generally managed on a discretionary basis with regular reviews and rebalancing.