David Martula is a CFP® professional with 21 years of industry experience. He has been the sole advisor at Fee-Only Financial Planning since 1991. Fee-Only Financial Planning serves individual clients, including high-net-worth households, by providing financial planning and discretionary portfolio management. The firm emphasizes a low-cost, buy-and-hold investment approach using no-load mutual funds, tailoring recommendations to clients’ goals and life stages.

Edward Wall is the owner and sole advisor at Pioneer Financial, Inc. in South Hadley, MA, with 20 years of industry experience. He holds the Series 66 designation and has been with Pioneer Financial since 2004. In addition to investment advisory services, he provides tax preparation and accounting through his firm. Pioneer Financial, Inc. offers discretionary portfolio management primarily for individual investors and non-profit organizations, combining investment advisory services with tax preparation and insurance activities. The firm employs a goal-oriented approach using fundamental analysis, ongoing monitoring, and monthly account reviews.

Sean Curran is a financial advisor at USA 401k with Series 63 and Series 65 credentials and three years of industry experience. His background includes roles at Lincoln Financial Securities, municipal positions in Springfield and Washington, and service at the Hampden County District Attorney's Office. Outside of advising, he serves as a Springfield City Councilor and works as an attorney handling real estate closings and misdemeanor motor vehicle cases, as well as a licensed real estate agent representing buyers and sellers of residential properties. USA 401k provides portfolio management and financial planning services to individuals and corporations, along with pension consulting for retirement plans including 401(k)s. The firm employs Modern Portfolio Theory and a long-term trading approach, focusing on equities with fixed income and index funds for diversification.

Thomas Homan is a financial advisor with Momentum Investment Management, LLC in Holyoke, MA. He holds Series 63 and Series 65 designations and has 18 years of industry experience. Homan has led Momentum Investment Management since 2010. Outside of his advisory role, he owns and manages a rental property business. Momentum Investment Management is an independent, single-advisor firm providing discretionary portfolio management and hourly financial planning primarily to individual clients, including high-net-worth individuals. The firm employs a combination of charting, fundamental and technical analysis, and uses derivatives and margin strategies in client accounts, with all portfolio oversight conducted by Homan.

Edward Toole is a CFP® professional with one year of industry experience. He is the sole advisor at Toole Financial, an independent advisory firm based in Longmeadow, MA. Prior to founding Toole Financial, he spent ten years working with the YMCA Retirement Fund. Toole Financial provides fee-only, project-based and ongoing financial planning services to individuals, high-net-worth clients, and charitable organizations. The firm emphasizes tailored planning and education, with a focus on Modern Portfolio Theory and passive, asset-allocation recommendations, serving clients without discretionary portfolio management or custody.

Latimer Eddy is a CFP® professional with 21 years of industry experience, operating under his firm L. B. Eddy since 1993. The firm provides fee-only investment management and occasional financial planning services to individuals, trusts, pension and profit-sharing plans, and charitable organizations. L. B. Eddy manages approximately $15.7 million across nine discretionary client accounts, focusing on a strategic asset allocation approach with global diversification, utilizing primarily no-load or low-load mutual funds, ETFs, stocks, and bonds. The firm is not accepting new clients and is actively transitioning existing relationships while continuing to manage current accounts on a discretionary basis.

Simone Cunningham is a Certified Financial Planner® with 21 years of experience in the industry. She has been with MP Financial Services, LLC since 2009 and is also associated with Moriarty & Primack, PC, a certified public accounting firm. MP Financial Services, LLC provides investment advisory and supervisory services to pension and profit-sharing plans, trusts, estates, charitable organizations, and individual clients. The firm typically employs active discretionary management through selected independent investment managers and offers coordinated tax and investment advice through its affiliation with Moriarty & Primack, PC.

Francis Collins is a financial advisor at Beacon Investment Advisers, LLC with 21 years of industry experience. He has managed Beacon Investment Advisers since 1999 and has operated his own law firm, Francis E. Collins, P.C., since 1973. In addition to his advisory work, he maintains a legal practice and is a licensed real estate broker. Beacon Investment Advisers provides discretionary portfolio management and financial planning primarily for individual investors, trusts, and IRAs. The firm integrates investment services with legal and real estate expertise, focusing on long-term equity selection and balance-sheet analysis while offering tax preparation and accommodating client investment preferences.

Ryan Martin is a financial advisor at Martin Capital Planning in East Longmeadow, MA, with seven years of industry experience. He previously worked at Raymond James Financial Services, Inc., INVUITY Inc., and Hologic Inc. Martin is a licensed insurance agent and holds the Series 66 designation. Martin Capital Planning provides portfolio management, financial planning, and pension consulting services to pension and profit-sharing plans as well as individual and high-net-worth clients. The firm employs a range of analytical methods and offers both discretionary and non-discretionary management, with a notable pension consulting practice that includes plan documentation, manager recommendations, and ongoing monitoring.

Megan Donnelly is a CFP®, ChFC®, and Series 63-registered financial advisor with 14 years of industry experience. She is the sole advisor at Quabbin Advisors, an independent firm she has been with since 2012. Quabbin Advisors provides fee-only financial planning and investment advisory services to individuals, families, nonprofit organizations, and businesses. The firm emphasizes a largely non-discretionary approach to client assets, focusing on long-term, fundamental buy-and-hold strategies with low-fee mutual funds and ETFs, and maintains regular portfolio reviews following planning engagements.

Pamela Desjardins is a financial advisor at Strategic Planning Associates in Granby, MA, with 16 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with Elite Investment Team, LLC since 2018. In addition to her advisory role, she is involved in the sale of life and health insurance, long-term care insurance, and fixed annuities. Strategic Planning Associates provides financial planning and discretionary portfolio management services to individuals, retirement plans, trusts, estates, charitable organizations, and business clients. The firm offers tailored asset-allocation models implemented on a discretionary basis and emphasizes a small-scale, relationship-focused approach.

John Verducci is the sole advisor at Verducci Asset Management, Inc. in Agawam, MA, holding a Series 65 designation and bringing 11 years of industry experience. Prior to founding his advisory firm in 2014, he operated Verducci's Vending for over three decades. Verducci Asset Management provides wealth management, investment management, financial planning, and retirement-plan advisory services to individuals, families, and various professional groups. The firm emphasizes customized, long-term portfolios based on fundamental analysis, utilizing primarily low-cost mutual funds and ETFs, and maintains a substantial retirement-plan consulting practice with ERISA-focused services.

Charles Beresford is a CFA® charterholder and holds a Series 65 license with eight years of industry experience. He has been with Long Game Financial, LLC since 2017 and previously worked at Ocean Road Advisors and as a self-employed investor. Long Game Financial provides discretionary investment management and consulting services to individuals, trusts, corporations, and other business entities. The firm employs a combination of top-down macroeconomic and industry analysis with bottom-up fundamental research to build concentrated portfolios, utilizing a CAM framework and incorporating selective use of leverage and covered options.

Lois Heaphy is a financial advisor at Heaphy Investments, LLC with 17 years of industry experience. She holds a Series 65 designation and serves as president of Executive Administrative Services, Inc., a company that provides bill paying and tax return preparation services. Lois also acts as trustee or co-trustee for several clients. Heaphy Investments, LLC is a fee-only registered investment adviser offering discretionary portfolio management to individuals, trusts, retirement plans, estates, charitable organizations, and business entities. The firm develops personalized investment policies and employs a blend of fundamental and technical analysis with both long- and short-term strategies.

Michael Trombley is a financial advisor with Trombley Wealth Management in Wilbraham, MA, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has worked at LPL Financial since 2016 and has been involved with Ray Trombley Associates since 2009. Trombley is also co-owner of A&C Business Services. Trombley Wealth Management serves individual clients across various wealth levels, as well as retirement plans, trusts, estates, and institutional and charitable clients. The firm provides tailored portfolio management and comprehensive financial planning, utilizing multiple methods of analysis and implementing strategies through third-party managers and model platforms.

V. Laflam is a Series 65 licensed financial advisor with over 21 years of industry experience. He has been with Laflam and Haggerty Investment Advisers Corp. since 1999 and is also a partner at Laflam and Haggerty, CPAs, an accounting firm he has been affiliated with since 1992. Laflam and Haggerty Investment Advisers Corp. is a fee-only registered investment adviser managing approximately $49.7 million in discretionary assets for individuals, trusts, estates, partnerships, corporations, and pension or profit-sharing plans. The firm focuses on fundamental security analysis and asset allocation across stocks, REITs, and fixed income, offering fully discretionary trading and ongoing portfolio reviews, with an affiliation to a local CPA practice providing additional tax and financial planning services.

Valerie Haggerty is a financial advisor with Laflam and Haggerty Investment Advisers Corp. She holds a Series 65 designation and has 21 years of industry experience. Haggerty has been with Laflam and Haggerty Investment Advisers Corp. since 1999 and is also a partner at the affiliated accounting firm Laflam and Haggerty, CPAs, where she has worked since 1992. Laflam and Haggerty Investment Advisers Corp. is a fee-only registered investment adviser managing approximately $49.7 million in discretionary assets for about 67 clients. The firm serves individuals, trusts, estates, partnerships, corporations, and pension or profit-sharing plans, using fundamental security analysis and asset allocation with a focus on common stocks, publicly traded REITs, and fixed-income securities. The firm is affiliated with a local CPA practice, providing integrated tax and financial planning services and serving a diverse client base including institutional and governmental entities.

David Fernandes is a financial advisor at Zenith Investment Management, LLC with 15 years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining Zenith in 2021, he worked at TD Ameritrade Investment Management, LLC and Scottrade. Zenith Investment Management is a boutique firm with three advisors managing approximately $89 million, providing goals-based financial planning, discretionary portfolio management, and consultation services to individuals, trusts, estates, and charitable organizations. The firm also manages a private fund using a quantitative strategy and offers access to retirement savings accounts through an aggregation platform.

Barbara Trombley is a financial advisor with Trombley Wealth Management in Wilbraham, MA, holding Series 63 and Series 65 credentials and possessing 17 years of industry experience. She has worked at LPL Financial and operates Trombley Associates, an independent investment advisor firm. Trombley is also a board member of the Minnechauq Scholarship Foundation and owns a small business, A&C Business Services. Trombley Wealth Management serves individual clients across various wealth levels as well as retirement plans, trusts, estates, and other institutional and charitable clients. The firm offers tailored portfolio management and comprehensive financial planning, using multiple methods of analysis and typically holding positions for longer-term objectives with necessary shorter-term adjustments.

Richard Teel is a CFA® charterholder with 15 years of industry experience, currently serving as a portfolio manager at Schwerin Boyle Capital Management, Inc. He has been with Schwerin Boyle since 1999. In addition to his role at the firm, Mr. Teel is a portfolio manager for Eldaro Investors, LLC, which acts as general partner and manager to Double Play Partners Limited Partnership. Schwerin Boyle serves individual clients, pension and charitable accounts, and privately offered pooled vehicles, focusing on value-oriented separately managed accounts and operating an affiliated private fund that employs a broader range of strategies with performance-based economics.