2011 FIVE STAR Wealth Managers

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2011

FIVE STAR Wealth Managers

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2011 INDEPENDENT SURVEY Overall Satisfaction

©2011 Crescendo Business Services

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Special Advertising Section

Meet your

Boston 2011 Five Star Wealth Managers

We surveyed consumers and financial services professionals to find wealth managers in the Boston area who scored highest in overall satisfaction. Here they are.

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ell over half of the consumer responses in the Boston area indicated it is difficult to find a wealth manager they trust and rely on.(1) Wealth managers, broadly defined, are those individuals who help you manage your financial world and/or implement aspects of your financial strategies. Common examples of wealth managers are financial advisors, financial planners, investment advisors, tax advisors, estate planning attorneys, etc. Wit h more t han 20,000 we a lt h managers(2) in the Boston area, how do you find someone who listens to you, represents your interests and operates with an emphasis on integrity and service? Boston magazine can help. The magazine formed a partnership with Crescendo Business Services to find out which wealth managers scored highest in overall satisfaction.

Both positive and negative evaluations were included in the scoring, and only wealth managers with more than five years of experience in the financial services industry were considered. Next, each wealth manager was reviewed for regulatory actions, civil judicial actions and customer complaints as reported by FINRA, the SEC, the State Board of Accountancy and the State Bar. Then, before finalizing the list, wealth managers were reviewed by a blue ribbon panel comprised of individuals from within the financial services industry. Although panelist comments were incorporated into the final score, safeguards were built into the review process to reduce the ability of panel members to influence the composition of the final list on the basis of company affiliation.

The Selection Process

The resulting list of 2011 FIVE STAR Wealth Managers is an elite group, representing less than 3 percent of the wealth managers in the Boston area. For a more user-friendly listing, wealth managers have been grouped based upon their primary financial service. Each wealth manager was also able to list up to three additional financial services that they provide their clients. Although this list will certainly be a useful tool for anyone looking for help in managing their financial world or implementing aspects of their financial strategies, it should not be considered exhaustive. Undoubtedly, there are many other excellent wealth managers who, for one reason or another, are not on this year’s list.

Crescendo administered a survey, by mail and phone, to approximately 1 in 4 highnet-worth households (3) (over 149,000 households) and all identified FINRA registered representatives (over 17,200 financial services professionals) within the Boston area. On the surveys, recipients were asked to evaluate only wealth managers whom they know through personal experience and to evaluate them based upon nine criteria: customer ser vice, integrity, knowledge/expertise, communication, value for fee charged, meeting of financial objectives, post-sale service, quality of recommendations and overall satisfaction.

An Elite Award

2010 Consumer Survey, QMI Research INRA registered representatives, IARs, CPAs and attorneys that provide estate planning and trust services F (3) Defined as the upper 1/3 of all households based on net-worth (1) (2)

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R esea rch D ecl a r at ion s:

As with any research or recognition program, it is important that we provide you the following declarations:

• The 2011 Five Star Wealth Managers do not pay a fee to be included in the research or the final list of Five Star Wealth Managers. • The overall evaluation score of a wealth manager reflects an average of all respondents and may not be representative of any one client’s experience. • The FIVE STAR Award is not indicative of the wealth manager’s future performance.

• Wealth managers may or may not use discretion in their practice and therefore may not manage their clients’ assets.

• The inclusion of a wealth manager on the FIVE STAR Wealth Manager list should not be construed as an endorsement of the wealth manager by Crescendo Business Services or Boston magazine.

• Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Crescendo in the future.

• The research process for the FIVE STAR Wealth Manager Program, managed by QMI Research, incorporates a statistically valid sample in order to identify the wealth managers in the local market that score highest in overall satisfaction. QMI Res e arch do es not include we a lt h managers on the list unless their score is statistically valid. At least 50 percent of the we a lt h m an age rs i n t h e m ar ke t h ave a statistically valid score. or more information on the FIVE STAR Award F and the research/selection methodology, go to: fivestarprofessional.com/wmresearch.


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SPECIAL ADVERTISING SECTION

2011 F i v e S ta r W ea lt h M a n ag e r s

i n d e x o f w e a lt h M ANA G E R S List compiled by Crescendo Business Services. Names in boldface also appear in the profiles that follow. Wealth Manager additional financial services: BP=Business Planning; EP=Estate Planning; FP=Financial Planning; IN=Insurance; IV=Investments; TS=Trust Services; TX=Taxation

Business Planning

Business Planning

Mark Scheier Scheier & Katin

Estate Planning

Julia Abbott Orsi, Arone, Rothenberg, Iannuzzi & Turner TS, TX Robert Allen Allen & Hollander TS, TX Anna Bastian Anna Bastian, Attorney at Law William Brooks Wilson & Orcutt BP Jeffrey Brown Brown & Knight BP, TX Christopher Carlson Gilmore Rees & Carlson Steven M. Carr Pabian & Russell BP, TS, TX Joseph Cataldo Cataldo Financial Group FP, IV, TX Andrew Christensen Law Offices of Harry C. Christensen BP, TS Thomas Clougherty Senior Resource Center/ Falco & Associates IN, TS Lawrence Cohen Edwards Angell Palmer & Dodge IV, TS Leo Cushing Cushing & Dolan BP, TS, TX Richard Dailey Dailey & Associates Roberto Di Marco Rodman Walker & Di Marco BP, TS Brenda Diana Ropes & Gray Christopher Duffy Capital Analysts of New England BP, IN, IV

Estate Planning

Estate Planning

Matthew Dupuy Ardito, Sweeney, Stusse, Robertson & Dupuy Barbara Epstein Scheier & Katin TS Michael L. Fay Wilmer Hale BP, TS, TX David Feakes Feakes Associates BP, TS David Fisette Law Office of David A. Fisette TX David Frenette Frenette & Dukess TX Howard Gerrin Integrated Financial Partners BP, FP, IV John Glovsky Glovsky & Glovsky BP, TS Dennis Gorman Fletcher Tilton & Whipple BP, TS, TX Page 38 Donald Greenough Law Office of Donald M. Greenough Margaret Hoag Eckel Morgan & O’Connor Robert Holdway Fiduciary Trust Company FP, IV, TS John Hwee Centinel Financial Group BP, IN, IV Page 27 David Keefe III Eagle Strategies IN Michael Kehoe Partridge Snow & Hahn BP David Lipshutz Seegel Lipshutz & Wilchins BP, FP Leiha Macauley Day Pitney TS Christopher Mahoney Rubin Hay & Gould BP, TX

Howard Mandelcorn Hutchings Barsamian Mandelcorn & Zeytoonian BP, TS, TX Michael Martell Michael A. Martell Attorney at Law Charles Murphy III The Murphy Insurance Group BP, IN, IV Amy Naughton Lourie & Cutler TX Kathleen O’Connor Eckel Morgan & O’Connor TS, TX Suzann Ordile Law Offices of Suzann Ordile TS Stanley D. Romaine, Jr. Romaine Financial FP, IN Merek Rubin Rubin Hay & Gould BP, TX Richard Rubino Rubino & Liang IN, TS Iris Taymore Schnitzer Law Office of Iris Taymore Schnitzer BP, TS, TX Timothy Shanahan Compass Capital Corporation IV Tina Sherwood Law Office of TL Sherwood BP, TS, TX Page 41 Jeffrey Skerry Hays & Skerry BP, IV, TS Page 41 Jennifer Snyder Wilmer Hale TS, TX Scott Squillace Scott & Associates Deborah Stephenson Law Office of Deborah M. Stephenson TS Marjorie Suisman Davis, Malm & D’Agostine BP, TS, TX

Estate Planning

Melissa Victor Victor & Assciates TX Robert Vigoda Rubin & Rudman BP, TS, TX Jing Wang New York Life Securities BP, FP, IN Lucy West Rackemann Sawyer & Brewster BP, TX William T. Whittenberg Whittenberg Knudsen BP, TS, TX Page 42 Robert A. Wilkinson New England Trust Services Page 37 Ellen Winkler Law Firm of Ellen M. Winkler BP, TS, TX David Wolicki Law Offices of David P. Wolicki BP Lawrence Zaharoff Zaharoff & Zaharoff BP, TS

Financial Planning

Stephen Ahern Sullivan Bille Group EP, IV, TX Page 37 Harvey Albert RBC Wealth Management IN, IV, TS Harvey M. Alden Cantella & Company IV, TS David Alexander Alexander Wealth Advisors TX Page 32 Robert Alkon Alkon & Levine BP, EP, TX Abigail Allen Securities America IN, IV William Almond Baystate Financial Services EP, IN, IV Page 32

Financial Planning

Marc Altenhoff Ameriprise Financial Services, Inc. BP, IN, IV Page 37 Arthur Andreoli Sullivan Group EP, IN Stuart Armstrong II Centinel Financial Group IN Page 27 Faith Arter Lincoln Financial Advisors BP, IN, IV William Baldwin Pillar Financial Advisors EP, IV Regina Ballinger Ballinger Financial Services IV Constance Barber Capitol Financial Advisors EP, IN, IV Page 10 Warren Beckman Integrated Financial Partners BP, EP, IN Richard Belofsky The Bulfinch Group BP, EP, IN Joshua M. Benet Harvest Wealth Management EP, IN, IV Brad Bestgen Bestgen Financial BP, IN, IV James Beville LPL Financial BP Charles Beynon Ameriprise Financial Services, Inc. BP, EP, IV Dorothy Bickling LPL Financial IN, IV Matthew Biggar Weston Financial EP, IV, TX Page 24 Catherine BirminghamWeigel LongPoint Financial Planning IV

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Financial Planning

Financial Planning

Financial Planning

Financial Planning

Rocco Bombardieri Ameriprise Financial Services, Inc. IV Richard Boretti Richard E. Boretti, CPA BP, IV, TX Todd Bragg Capital Analysts of New England EP, IN, IV Bob Brandt Ameriprise Financial Services, Inc. EP, IN, IV Page 33 Michael Broad Law & Financial Planning EP, IV Michael Broderick Altantic Planning Group IN Sandra Bromfield Bromfield Financial Advisory Group IV David Bross D. S. Bross Financial Advisory EP, IV, TX Charles P. Brown Capitol Financial Advisors EP, IV, TX Page 10 Georgia Bruggeman Meridian Financial Advisors EP, IV, TX Page 33 Scott Butters SA Butters Financial Planning EP, IN, IV Stephen B. Camarro Baystate Financial Services EP, IN, IV Daniel Cappucci SFP Wealth BP, IN, IV Page 11 Thomas Cappucci SFP Wealth EP, IN, IV Page 11 Nicholas Carlin Ameriprise Financial Services, Inc. EP, IN, IV Page 37 Matthew Carron Heritage Financial Services IV

Christopher Cavallaro Integrated Financial Partners EP, IN Page 14 Vincent Cavallo Ameriprise Financial Services, Inc. EP, IN, IV Beverly Chapman Values Financial Counseling Karyn Feinberg Clarke Ameriprise Financial Services, Inc. BP, IN, IV Michele Colarusso DCU Financial EP, IN, IV Rich Colman Colman Knight Intergral Wealth Advisory Services EP, IV William Condon Commonwealth Financial Group IV Louis E. Conrad II COMPASS Wealth Management BP, IV, TS Page 34 Ronald Cooper New York Life Securities IN, IV Jefferson Correia Ameriprise Financial Services, Inc. EP, IN, IV John Curtin Ameriprise Financial Services, Inc. BP, EP, IV Page 37 Gerald Curtis Morgan Stanley Smith Barney EP, IV William D’Agostino Ameriprise Financial Services, Inc. IN Kevin Daley Ameriprise Financial Services, Inc. BP, EP, IV Alexander Davis Morgan Stanley Smith Barney IV

Timothy Davis Morgan Stanley Smith Barney BP, EP, IN Page 38 Christopher DeCilio FSC Securities Corporation EP, IN, IV Stephen Dellelo Retirement Income Strategies EP, IN, IV Page 38 Damon DeLuties Morgan Stanley Smith Barney IV Paul Derbyshire Ameriprise Financial Services, Inc. IN, IV Page 34 Bob Deutsch Ameriprise Financial Services, Inc. EP, IN, IV Robert Dolliver Ameriprise Financial Services, Inc. BP, IN, IV Page 38 David Donovan Ameriprise Financial Services, Inc. BP, IN, IV Patrick Donovan Credit Suisse Securities EP, IV Beata Dragovics Ameriprise Financial Services, Inc. EP, IV Craig DuVarney Royal Alliance Associates Blake Ellison Morgan Stanley Smith Barney EP, IN, IV Lee Eudy Ameriprise Financial Services, Inc. BP, IV, TX Steve Faberman Integrated Financial Partners BP, IN, IV Page 14 Gregory Farland The Farland Group EP, IN, IV Thomas Feenan Feenan Financial Group IN, TX

Mark Feigenbaum Winchester Financial Group EP, IN, IV Erica Feldblum E F Financial IV Joseph Ferrante Morgan Stanley Smith Barney EP, IV, TS Joseph Ferrara AXA Advisors EP, IN, IV Avi Finder Ameriprise Financial Services, Inc. BP, EP, IV Ryan Forness Ameriprise Financial Services, Inc. IN, IV Kelly Fox Ameriprise Financial Services, Inc. BP, IN, IV Christopher Fraga Commonwealth Financial Network EP, IV, TS Page 28 Paul Fragala Paul Fragala & Associates/Ameriprise Financial Services, Inc. EP, IN, IV Page 31 Marc Freedman Freedman Financial EP, IN, IV Page 28 Leon Fridmar Merrill Lynch EP, IV, TS Caroline A. Gaffney Atwater Wealth Management IV Douglas Gage Gage & Wilson/ Ameriprise Financial Services, Inc. BP, IN, IV Page 29 Christopher Gallagher Ameriprise Financial Services, Inc. EP, IN, IV Page 38 Daniel Galli Daniel J. Galli & Associates BP, IN, IV


Financial Planning

Edward Galvin Morgan Stanley Smith Barney EP, IN, IV Beth Gamel Pillar Financial Advisors EP, IV Cary Geller Mintz Levin Financial Advisors EP, IV, TX Nick Giacoumakis New England Investment & Retirement Group BP, IN, IV Robert Giargiari AspenCross Financial Group BP Marion Gilman Freedman Financial EP, IN, IV Page 28 Richard Gilman Securitas Financial Group BP, EP, IN Ellen Ginsberg Harbor Asset Planning EP, IV Robert Glovsky Mintz Levin Financial Advisors EP, IV, TX Deborah Goodman Goodman Advisory Group EP, IN, IV Steven Goodman Goodman Advisory Group EP, IN, IV Matthew Gorham Byrne Financial Freedom BP, IN, IV Barnet Goverman Financial Solutions Associates BP, EP, IV Robin Silver Grace Morgan Stanley Smith Barney IN, IV Daniel Gracy Ameriprise Financial Services, Inc. IN, IV Rick Greenwood Horizon Financial Services IN, IV, TX


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Financial Planning

Josephine Grillo Ameriprise Financial Services, Inc. EP, IN, IV Richard Hagopian Ameriprise Financial Services, Inc. IN, IV Heidi L. Hanson Hanson Financial Group IV Page 38 Craig Harsfield Miller, Allen & Associates/ Ameriprise Financial Services, Inc. IV Matt Havens Global Vision Advisors EP, IN, IV Richard Hayes Wingate Financial Group EP, IN, TX Page 25 James Horrocks Integrated Financial Partners BP, EP, IV Page 38 Carolyn Howard Pegaesus Advisors EP, IN, IV Page 39 Norman Howarth LPL Financial IV Alan A. Loffredo ALENA Wealth EP, IV, TX Bob Jarras Ameriprise Financial Services, Inc. EP, IV Peter Jaworski McGladrey EP, IV, TX Page 29 Paul Joyce Mass Mutual EP Mark Kaizerman Kaizerman & Associates EP, IV, TX Andrew Katz Morgan Stanley Smith Barney IV Martin Kawadler Commonwealth Financial Group EP, IN, IV

Financial Planning

Financial Planning

Matthew Keeling Keeling Financial Strategies EP, IN, IV Page 39 Jack Kelly Ameriprise Financial Services, Inc. IV Carol Khouri Wingate Financial Group IV Page 25 Todd Kobelski Merrill Lynch IV Patricia Konetzny The Practical Planner Andrew Kyriacou WTAS EP, IV, TX Michael LaBrie Compass Point Retirement Planning Paul Lamb Ameriprise Financial Services, Inc. IN, IV Jennifer Lane Compass Planning Associates BP, EP, IV Page 39 Christina Larson Larson Financial Planning IV Page 39 Matthew Lasker Wingate Financial Group EP, IV Page 25 Carolyn Launie Ameriprise Financial Services, Inc. IN, IV Page 39 Dan Leveroni Leveroni Financial Management IV Dana Levit Paragon Financial Advisors IN, IV, TX Craig Lewis Morgan Stanley Smith Barney BP, EP, IV Page 20 Judith Ludwig Braver Wealth Management EP, TS, TX Page 23

Rick MacDonald Mintz Levin Financial Advisors EP, IV, TX Stuart MacKinnon Morgan Stanley Smith Barney EP, IV Timothy MacKinnon Morgan Stanley Smith Barney EP Sandeep Madhavan Ameriprise Financial Services, Inc. BP, EP, IV Page 40 Brian Mahoney Morgan Stanley Smith Barney IV Ronald Majewski Ameriprise Financial Services, Inc. EP, IN, IV Marioleni “Lena” Mandelis ALENA Wealth EP, IV, TX Richard Marcil Thorndike Company IV Anthony Marken Ameriprise Financial Services, Inc. IN Robert Matson LPL Financial EP, IN, IV Page 40 Paul Mauro Legacy Financial Advisors EP, IN, IV Page 15 Doug Mavilia Lightship Wealth Strategies IV James McCann McCann Capital Management EP, IN, IV Thomas McCarthy KAF Financial Advisors EP, IN, IV Paul McCarthy Merrill Lynch IN, TS Brendan McCarthy McCarthy Financial IN, IV

Financial Planning

Kenneth J. McGuire Kenneth J. McGuire Insurance EP, IN, IV Drew McMorrow Ballentine Partners BP, EP, IV Andi McNamara Disch & Associates IV David McPherson Four Ponds Financial Planning IV Theresa Meehan Meehan Financial Services EP, IN, IV Page 34 Cynthia Merillat Paul Fragala & Associates/Ameriprise Financial Services, Inc. IN, IV Page 31 Richard Miller Miller, Allen & Associates/ Ameriprise Financial Services, Inc. IN, IV Susan Miller Aurora Financial Advisors EP, IV, TX Page 40 C.J. Millett Commonwealth Financial Group EP, IN, IV Peter Mitrano Mintz Levin Financial Advisors EP, IV, TX Edward Nabhan Morgan Stanley Smith Barney EP, IV, TS Page 17 John Nadworny Special Needs Financial Planning IN, IV Page 30 John Napolitano U.S. Wealth Management BP, IN, IV Gail Nickse Waddell & Reed IN, IV Kristin A. Nordahl The MNE Group BP, EP, IV Page 19

Financial Planning

Daniel O’Brien LPL Financial BP, EP, IN John O’Brien MetLife Securities IN, IV Page 40 John O’Connor III Morgan Stanley Smith Barney EP, IN, IV Matthew O’Connor Webster Investment Services EP, IN, IV Alexandre Oliveira Northeast Planning Associates EP, IV, TX Page 41 Erik Olson Olson Financial Group BP, IN, IV John Olson Olson Financial Group BP, IN, IV Paul O’Reilly Paul T. O’Reilly & Associates TX Thomas Ouellette Ouellette Wealth Management Group IN, IV, TX Page 35 John Pastore Integrated Financial Partners IV Page 14 Thomas Pavlovich Ameriprise Financial Services, Inc. BP, EP, IV Seth Pearson Pearson Financial Services BP, EP, IV Gary Peters Wellesley Financial Group IN, IV Jack Phelps The Relaxing Retirement Coach IV Stephen P. Piotte Constellation Financial & Wealth Management Services BP, TX Page 35 Robert Polleys, Jr. Stifel Nicolaus & Company IV w w w. f i ve s ta r pro fe s s i o n a l. com | F S – 5


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Financial Planning

Lawrence Ragone Ragone Associates BP, EP, IN Ira Rapaport New England Private Wealth Advisors EP, IV, TX Page 18 Thomas Rapko Morgan Stanley Smith Barney EP, IN, TS Paul Reardon Investment Advisory Group IN, IV Sharon Rich Womoney Mark Rizzo KGR Financial Resources IN, IV Paul Roche III Morgan Stanley Smith Barney EP, IV, TS Page 36 Jim Rodier Ameriprise Financial Services, Inc. EP, IN, IV Daniel Romaine Romaine Financial EP, IN, IV Page 41 Gary Ronkin Morgan Stanley Smith Barney EP, IN, IV Dave Rumrill Morgan Stanley Smith Barney EP, IN, IV Michele Ann Russell CERES Financial Group EP, IN, IV Mark Russo Ameriprise Financial Services, Inc. BP, EP, IV Paul Ryan, Jr. Flagship Financial Advisors EP, IV, TX Page 22 Mary Ann Saurino Ameriprise Financial Services, Inc. EP, IN, IV David Sawyer Eastern Wealth Management IN, IV, TS

Financial Planning

Financial Planning

Financial Planning

James Scally Heritage Financial Services IV Bryce Schintzius New England Securities EP, IN, IV Michael Schreiber Michael A. Schreiber & Associates IV Page 41 Johanna Schulman Ameriprise Financial Services, Inc. IN, IV Cynthia Sechrest Sechrest Financial Services EP, IV, TX Richard Shakter Financial Compass Group EP, IN, IV Page 27 Barbara Shapiro HMS Financial Group IN, IV Andrew Shea Boston Partners Financial Group BP, IN, IV Philip Sher The Sher Wealth Management Group IV Robert Siefert Back Bay Financial Group IV Ronald Siggens Boston Hill Advisors IV Mark Singer Safe Harbor Retirement Planning EP, IN, IV Jason Skolnick First National Corporation IN, IV Ryan Smith MetLife Securities BP, EP, IV Page 42 Dawn Smith Maloney Ameriprise Financial Services, Inc. BP, EP, IV Eric Sneider Bromfield Financial Advisory Group IV

Joseph Somerset Beantown Financial Advisors BP, IV, TX W. Thomas Spencer, Jr. Spencer Financial IN, IV Maria Staffiere Weston Financial EP, IV, TX Page 24 Chitra Staley TPW Financial EP, IV, TS Jonathan Stearns Stearns Wealth Management BP, EP, IV Todd Sturman Tilton Sturman Financial EP, IN, IV Ronald Sugameli Weston Financial EP, IV, TX Page 24 Jeanne Gibson Sullivan Back Bay Financial Group IV James Swallow Ameriprise Financial Services, Inc. EP, IV, TS Page 42 Jonathan Sweet Oakleaf Wealth Management IN, IV Eric Takach Ameriprise Financial Services, Inc. EP, IN, IV Richard Tartarini Tartarini Financial Services BP, IN, IV Paul M. Teixeira Teixeira Financial Group BP, IN, IV Scott Thaxton Carr Thaxton Financial Group EP, IV Page 42 Nathaniel Tilton Tilton Sturman Financial IV Matthew Tosh Ameriprise Financial Services, Inc. IN, IV Page 42

Graham Tower Tower & Associates/ Ameriprise Financial Services, Inc. EP, IN, IV Page 42 Jason Traino Morgan Stanley Smith Barney BP, IN, IV John Tritle Ameriprise Financial Services, Inc. BP, IN, IV Gordon Ulen United Planners Financial Services of America EP, IV, TX Richard Van Loan Ameriprise Financial Services, Inc. EP, IN, IV Arthur Von Der Linden Wingate Financial Group EP, IV, TX Page 25 David Walsh The Cornerstone Financial Group EP, IN, IV Richard Webber AXA Advisors IN, IV Jeffrey West Financial Compass Group BP, IN, IV Page 27 Trey Whalley MetLife Securities EP, IV, TS Jeffrey White Wingate Financial Group EP, IV, TX Page 25 Jeremy White Integrated Financial Partners EP, IN, IV Rosemary White Strong Financial Group EP, IN, IV Daniel Williams The Dover Group EP, IN, IV Page 37 Kevin Williams RBC Wealth Management EP, IN, IV


Financial Planning

Daniel Wilson Gage & Wilson/ Ameriprise Financial Services, Inc. BP, IN, IV Page 29 Xiao-Xia Erica Zhen Merrill Lynch EP, IV, TS Mark Zunick Morgan Stanley Smith Barney IV

Insurance

Michael Hammonds Boston Partners Financial Group BP, EP, FP Boris Lokshin Wellesley Financial Group IV Daniel T. Maher New York Life Securities EP, FP, IV Gregg Miles Miles Logue Financial Group EP, FP, IV Page 35 Stephen Napier USI New England BP, EP, IV Adam Sachs Centinel Financial Group FP Page 27 Brian Stanton Commonwealth Financial Group FP Joseph Stone Stone Financial Group

Investments

Claire Adams Morgan Stanley Smith Barney EP, FP, IN Jerome Anderson Boston Investment Advisers Alicia Andre Silver Bridge Advisors FP, TS Francis Bailey Merrill Lynch FP, IN, TS Christopher Baker C.P. Baker & Company


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Investments

Investments

Investments

Investments

Investments

James Barker Barker Financial Group FP, TS Chad Battaglia Merrill Lynch FP Christopher Bayles Morgan Stanley Smith Barney FP Charles Bean Heritage Financial Services EP, FP Joel Beeders Merrill Lynch Chad Besegai Wells Fargo Advisors, LLC Page 33 John H. Biebel Wingate Financial Group FP Page 25 John Bratschi Seaward Management FP Debra Brede D.K. Brede Investment Management Company EP, FP, IN Page 26 Eric Breemen Merrill Lynch FP Michael Brown Boston Financial Management TS Gayle Buff Buff Capital Management FP Thomas Cahill, Jr. Beaumont Financial Partners EP, FP, TX Gregory Cannon Morgan Stanley Smith Barney Thomas Capachietti Merrill Lynch EP, FP, TS Clifford Caplan Neponset Valley Financial Partners EP, FP, IN Page 33 Peter Caplan Caplan Asset Management FP, IN

Michael Carlson Sentinel Benefits & Financial Group BP, FP, IN Page 26 David Carpenter Carpenter Associates FP, TX David Caruso Coastal Capital Group EP, FP Nicholas Chigas Morgan Stanley Smith Barney BP, EP, FP Eugene Clapp Penobscot Investment Management TS Gerald Conway Conway & Davis IN Lisette Cooper Athena Capital Advisors FP Paul Crabtree Morgan Stanley Smith Barney FP Allan Crudale Merrill Lynch Marcie D’Aleo RBC Wealth Management BP, EP, FP Wayne R. Davies Davies Wealth Management Strategies EP, FP, TX John DeSimone Oakmont Partners EP, FP, TX Nick Diranian Fleetstar Financial EP, FP, IN Peter Disch Disch & Associates BP, FP Dennis Doble Doble LeBranti Financial Group BP, FP, IN Brian Doherty Curran & Doherty Financial Partners BP, FP, IN Page 34 David Duchesneau Argent Wealth Management EP, FP, TX

Francois Ducroux Winslow Evans & Crocker EP, FP, TS Michael Eckton Crestwood Advisors FP Michael Edwards Boston Hill Advisors EP, FP Bruce Ehrlich Ameriprise Financial Services, Inc. BP, FP, IN David Elan Windward Investment Management Eugene Ellison Commonwealth Financial Network EP Larry Eppolito Wells Fargo Advisors, LLC Page 12 Scott Fabyan Morgan Stanley Smith Barney EP, FP, TS Paul Feeney, Jr. Merrill Lynch FP Paul Fehrenbach, Jr. Merrill Lynch EP, FP, TS Stephen Feinberg Morgan Stanley Smith Barney EP, FP, TS Jeffrey Ferrante Merrill Lynch EP, FP, TS Gary Ferreira Merrill Lynch FP Albert Filosa Integrated Financial Partners EP, IN Page 14 Scott Finlay Wells Fargo Advisors, LLC Kevin M. Flaherty RBC Wealth Management EP, FP, IN Sean Flynn Commonwealth Financial Group BP, FP

Neville Frankel Financial Strategy Associates BP, EP, FP James Fratello Capital Financial Group FP, TS John Frederickson Strategic Financial EP, FP, TX Peter Frisch Wells Fargo Advisors, LLC Gerald Garon Garon Financial FP, IN, TX Mark Gatti Topsfield Financial Group FP, TX Tod Gervich Ameriprise Financial Services, Inc. IN Lawrence Glazer Mayflower Advisors FP Michael Glor GW & Wade EP, FP, TX Joel Goober Rinet Company EP, FP, TS Page 21 Bob Graff Morgan Stanley Smith Barney FP William Graham First Republic Bank EP, FP, TS Jill Greenberg Financial Strategy Associates BP, FP, IN Bruce Gregory Morgan Stanley Smith Barney EP, FP, IN Joseph Grella American Retirement & Investment Strategies FP Thomas Grimes Grimes & Company EP, FP, IN Page 13 Timothy Grimes Grimes & Company BP, FP, TS Page 13 William Grinnell Credit Suisse Securities

Thomas Grogan Royal Alliance Associates IN Jessica Guo Merrill Lynch EP, FP Erik Hacker Capital Analysts of New England FP Mary Hastings Wells Fargo Advisors, LLC Brian Hawley 3D Asset Management FP, IN Edward Heald Wells Fargo Advisors, LLC Guy Heald III Wells Fargo Advisors, LLC Darwin Heath, Jr. Detwiler Fenton & Company BP, EP, FP Elliot Herman PRW Wealth Management EP, FP Ronald Hertel Wells Fargo Advisors, LLC Steven Heslinga Wells Fargo Advisors, LLC Scott W. Holden Centinel Financial Group FP, IN Page 27 James Hughes Hughes Financial Management FP Daniel Jacob Beaumont Financial Partners FP Philip Jameson GW & Wade EP, FP, TX David Javaheri Morgan Stanley Smith Barney BP, FP, TS Stephen Johnson Charles Schwab & Company FP Joshua Jones Kobren Insight Management FP

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Investments

Investments

Investments

Investments

Investments

Richard Kahn Argent Wealth Management EP, FP, TX Susan Kaplan Kaplan Financial Services BP, EP, FP Arthur Karabelas Merrill Lynch Andrew Karelis KSP Financial Consultants FP, IN Jeff Karelis KSP Financial Consultants FP, IN Susan Karsch Merrill Lynch EP, FP, IN Chris Keith Kobren Insight Management Timothy Kelley The Murphy Financial Group EP, FP, IN Jordan King Morgan Stanley Smith Barney FP, IN, TS Dolores Kong Winslow Evans & Crocker EP, FP, IN Page 39 Brian Konish Wells Fargo Advisors, LLC John Koulopoulos Wells Fargo Advisors, LLC Page 30 Renèe Kwok TFC Financial Management FP Page 39 Paul Lam Edward Jones Matthew Langis Infinex Investments FP Rod Laurenz Edward Jones Timothy LePain Ameriprise Financial Services, Inc. FP Page 39 Rich LeBranti Doble LeBranti Financial Group BP, FP, IN

Paul Lonergan Congress Wealth Management BP, EP, FP Keith Long Merrill Lynch EP, FP, IN Jonathan Lonske Morgan Stanley Smith Barney BP, FP, IN Geoffrey Loynd Loynd Capital Management Brian MacKinnon Morgan Stanley Smith Barney EP, FP, IN Katharine Manning Charles Schwab & Company Anthony Marino, Jr. Marino Financial Advisors BP, EP, FP Page 40 Carmine Mastrogiovanni Money Concepts Financial Planning Center BP, FP, TX David Matias Vodia Capital BP, FP, TX Timothy McBride Northern Trust EP, FP, TS Page 16 James McCall Lighthouse Asset Management James McCusker McCusker & Associates FP, TX Page 40 Thomas McFarland The Darrow Company EP, FP, TS Christopher McIntyre Green Harbor Financial EP, FP, IN Terry McMahon Morgan Stanley Smith Barney EP, FP, IN Joseph McNamara Morgan Stanley Smith Barney EP, FP, IN David Merrigan Commonwealth Financial Network FP

Gary Mikula Birch Hill Todd Millay Choate Investment Advisors EP, TS, TX Gino Molettieri Baystate Financial Services BP, FP, IN Ernest Monrad Northeast Investors EP, TS, TX Cristen T. Moore Wells Fargo Advisors, LLC Deborah Moses Eaton Vance Investment Counsel EP, TS, TX Richard Mullen Morgan Stanley Smith Barney EP, FP, IN Mary Mullin Merrill Lynch IN, TS Kenan Nacar Ameriprise Financial Services, Inc. EP, FP, IN William Newell Atlantic Capital Management EP, FP, TX Leonard Nolan Morgan Stanley Smith Barney FP Darren Norton GW & Wade EP, FP, TX William Novelline, Jr. Abbot Financial Management Page 40 Marc O’Brien O’Brien Management FP James O’Hare Oppenheimer & Company John Olohan Moors & Cabot Investments FP Robert Pajak First Affirmative Financial Network FP, TX

Andrew Parvey Merrill Lynch Duke Pascucci Morgan Stanley Smith Barney BP, FP Page 35 Joshua A. Paul Bartholomew & Company EP, FP, IN Frank Perfetuo, Jr. Merrill Lynch EP, TS Peter Petrella Cambridge Investment Research BP, FP, TX Janelle Phillips Boston Financial Management TS Joshua Pierce Baystate Financial Services James Pinney Pinney & Scofield FP Greg Pinto Baystate Financial Services EP, FP, IN Mark Podolsky Financial Solutions Associates EP, FP, TX Kristine Porcaro Lexington Wealth Management EP, FP, TX Page 31 Edward Porter KSP Financial Consultants FP, IN Peter Princi The Princi Group/Morgan Stanley Smith Barney Tony Proctor Proctor Financial EP, FP, TX Page 41 Bernhard M. Radtke BMR Capital Advisors FP Page 41 Robyn Redfield Morgan Stanley Smith Barney EP, FP, IN Ruven Rodriguez Morgan Stanley Smith Barney FP

Eric Rosenberg GW & Wade EP, FP, TX William Ryan, Sr. Ryan Financial EP, FP, TS Ira Sager Merrill Lynch Matthew Schwartz Schwartz Financial Services FP, IN Richard Seeley ARC Investment Planning & Management EP, FP, TX Peter K. Seibert Stifel Nicolaus & Company EP, FP, IN Page 36 Raj Sharma Merrill Lynch EP, FP, TS Brad Sharp Braver Wealth Management EP, FP Page 23 Jeff Sherman Merrill Lynch FP Alan Siegel Alan Siegel Financial Services EP, FP, IN Matthew Sliwa KSP Financial Consultants FP, IN Jeremy Smith Nutter Investment Advisors Thurman Smith Equity Fund Research Darin Souza Credit Suisse Securities BP, FP Stephen Spector Wells Fargo Advisors, LLC John Spooner Morgan Stanley Smith Barney EP, FP Raymond J. Stecker, Jr. Boston Research & Management EP, FP, TX Dianne Steen Morgan Stanley Smith Barney FP



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Investments

Douglas Stocklan Merrill Lynch FP, IN Martin Stocklan Merrill Lynch Jonathan D. Straus Commons Capital Advisors EP, FP, TS Page 36 Ellen Takagi RBC Wealth Management EP, FP, IN Elisabeth Talbot The Colony Group EP, FP, TX James Taylor TBS Securities Group Robert Taylor RBC Wealth Management EP, FP, IN Gary Thibeault MetLife Securities EP, IN Page 42 Gregory Thomas Thomas Partners W. Rodney Thomas Morgan Stanley Smith Barney EP, FP, IN Andrew Thompson Charles Schwab & Company Pran Tiku Peak Financial Management BP, EP, FP David Tobias Morgan Stanley Smith Barney FP David Tomasetti Tomasetti Investment Group FP, IN Joseph Trainor Boston Hill Advisors FP Daniel Traub Tempo Financial Advisors Justin Turcotte Lightship Wealth Strategies EP, FP, IN Willard Umphrey U.S. Boston Capital Corporation BP, FP

Investments

Harvey Wartosky Wartosky Group FP Jeffrey Waxman Morgan Stanley Smith Barney EP Terry Wells LPL Financial EP, FP, IN Page 36 Peter Wernau Wernau Asset Management EP, FP Thomas Williams ChartHouse Capital EP, FP, IN Susan Wilson Merrill Lynch Steve Wintermeier Fenway Financial Advisors EP, FP, IN Mark Winthrop Winthrop Wealth Management FP Oliver Wolcott III Morgan Stanley Smith Barney EP, FP Jonathan Wolff Lightship Wealth Strategies BP, EP, FP Page 42 Lis Zimmerman O’Brien Management FP

Taxation

Thomas Anthony Anthony & Dodge FP Ronald Bissonnette Ronald R. Bissonnette, CPA BP Richard Bowen Kopelman and Paige John Burke Burke & Associates, CPAs BP, FP, IV Dave Campbell Campbell, DeVasto & Associates BP

®

Taxation

Taxation

James Castro Castro Thresher & Oliveira BP, EP, IN William Cooper Cooper & Company BP, FP, IN Cathy Dana Samet & Company BP Sean Downey Sean J. Downey, CPA Kenneth A. Drooks Shuman & Epstein, CPAs BP Howard Farber Abrams Little-Gill Loberfeld TS Stephen Farrar Farrar Gates & Green BP Thomas Feeley Feeley & Driscoll BP Deborah Foley Coughlin, Sheff & Associates David Frederick Carlton Healy & Frederick BP Page 38 Kenneth Freed Kenneth Freed & Company, CPAs IV, TS Frank Frisoli Frank J. Frisoli, Attorney EP, FP, TS Bob Ganley Ganley, CPA BP Edward “Bud” Gartland III EVG Consulting Bruce A. Gold Abrams Little-Gill Loberfeld BP, EP, TS Marlene Kaplan Marlene S. Kaplan, CPA BP, EP, TS Michael Kaplanidis Water Street Associates Kelsey Korbey Day Korbey & Murphy BP

Jeffrey Levine Alkon & Levine BP, EP, FP William Mahoney Edelstein & Company BP, EP, FP Allen Margulis Total Counsel Law Group BP, EP, TS Richard Mood Richard B. Mood, CPA BP, FP, IN Page 40 Doug Murstein Doug J. Murstein, CPA Karen Nikosey Berger, Katz, Weishaus, Nikosey & Lenza BP John Reedy John W. Reedy, CPA BP Robert Rice Robert G. Rice PC BP, FP, IV Page 41 Don Sandler Sandler & Company Joseph M. Sardonini, Jr. Joseph M. Sardonini, Jr., CPA BP Andrew Schwartz Schwartz & Schwartz BP, IN Brian J. Stafford Stafford Gaudet & Associates BP, EP Richard Talkov Goulston & Storrs BP, EP, FP Henry Tiedemann Tiedemann & Associates IV John Topham Damon Topham & Company Michael Tripoli Grandmaison & Tripoli BP, EP, FP Michael Tucci Ercolini & Company BP Page 32 Arthur Vigeant Arthur G. Vigeant, CPA BP

taxation

Richard Walsh Richard T. Walsh, CPA BP, FP Robert Weiss Orlov & Weiss, CPAs BP, FP, IV Deborah Willman Deborah C. WillmanTax Consultant FP, IV Kathleen Winston Kathleen Winston, CPA BP, EP, FP Albert F Wisialko A. Wisialko & Company, CPA IV Carol Zwanger Carol Zwanger, CPA BP

Trust Services

Jack Corbett III Morgan Stanley Smith Barney BP Jeremy David Eastern Bank EP, FP, IV Robert MacAllister Cambridge Trust Company EP, FP, IV

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP , CERTIFIED FINANCIAL PLANNER™ and the federally registered CFP (with flame logo) in the U.S., which it awards to individuals

®

who successfully complete CFP Board’s initial and ongoing certification requirements. The Chartered Financial Consultant credential [ChFC ] is a financial planning designation awarded by The American College. w w w. f i ve s ta r pro fe s s i o n a l. com | F S – 9


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Left to right: Seated: FIVE STAR Wealth Managers and Two-Year Winners Charles Brown and Constance Barber Standing: Mary Ellen Fillo, Jeffrey Brudner, Hunter Luke, Matthew Piaker and Lisa Cremonini

Tw W o-Y in ea ne r r

capitol Financial adviSorS

Independent Investment Advice for More than 25 Years

• Uncompromising integrity • Proactive management • Long-term client relationships

Areas of Focus: Investment advisory services, estate plans and retirement income strategies Designations: AIF, CFP®, ChFC®, CLU®, EA, JD, MA, MBA, MST

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e are a team of advisors that have been helping people establish and maintain their financial goals for more than 25 years. With a passion for excellence, our mission is to provide comprehensive planning, education and institutional quality investment management, all within a friendly, family office setting.

Unlike the traditional “Wall Street” model, our firm has chosen to work with an independent broker/dealer. This means that we remain independent too. Discover the freedom of working with someone who answers only to you and acts solely in your best interest. Learn more about us by calling toll free (800) 471-PLAN.

One Hollis Street, Suite 301 • Wellesley, MA 02482 | 100 Cummings Center, Suite 213C • Beverly, MA 01915 Phone: (781) 237-5205 • Toll-free: (800) 471-7526 www.capitolfinancialadvisors.com

Securities and Advisory Services offered through Commonwealth Financial Network, Member FINRA/SIPC. Capitol Financial Advisors is a Registered Investment Advisor.

F S – 10 | © 2011 Cres cendo B usi n e ss S e r v i ce s


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Left to right: Andrew C. Cleary, 2011 Winner Daniel J. Cappucci, Two-Year Winner Thomas A. Cappucci, Michael C. Enright


tHoMaS a. cappUcci and daniel J. cappUcci

Creative Solutions for Small Businesses and Successful Families

• Comprehensive approach to financial planning with cutting-edge technology • Innovative strategies for business owners and executives of companies small and large • Team built around the client experience and face-to-face interaction Areas of Focus: Retirement, Business Succession, Wealth Management and Estate Preservation Designations: CERTIFIED FINANCIAL PLANNER™ practitioners, Registered Representatives

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ith real-life experience as an educator, real estate developer, business consultant and venture capitalist, Tom brought a unique perspective to financial planning in 1994. With the addition of his son Dan, Andrew C. Cleary, CFP® and several other associates, SFP Wealth is a thriving team of professionals who share a passion and commitment to building long-lasting

client relationships. SFP Wealth’s approach to problem solving, grounded in common sense economic principles, creates tremendous opportunities for clients of all types. As a Baystate Financial Services Firm with multiple office locations all over New England, SFP Wealth brings world-class resources and technical expertise across a broad spectrum of financial planning issues.

Waltham, MA 02453 • Wellesley, MA 02481 | Boston, MA 02116 • Wakefield, MA 01880 wellesley: (781) 431-3008 | Boston: (617) 585-4500 [email protected] • [email protected] • www.sfpwealth.com

Thomas Cappucci and Daniel Cappucci are Registered Representatives and Financial Planners of, and offer securities and investment advisory services through, New England Securities (NES)(FINRA/SIPC), a registered investment advisor. SFP Wealth is not affiliated with NES.

w w w. f i ve s ta r pro fe s s i o n a l. co m | F S – 11


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Two-Year Winner Larry Eppolito and family


larrY eppolito

Custom Wealth and Risk Management Strategies

• Focused on providing personalized and timely financial strategies • Dedicated to simplicity, objectivity and confidentiality • Committed to cost-effective, highly personalized service that exceeds expectations

Areas of Focus: Investment planning services, wealth management planning and risk management Designations: CERTIFIED FINANCIAL PLANNER™ professional, Fundamental Choice Portfolio Manager, MBA

l

arry Eppolito, Managing Director – Investment Officer at Wells Fargo Advisors, LLC, has been providing clients with honest, concise and relevant advice for more than 26 years. Larry leverages his clients’ time by constructing and overseeing custom investment portfolios designed to remain consistent with his clients’ objectives. By doing so, his clients are more comfortable attending to other important issues in their lives. He is dedicated to simplifying his clients’ financial lives and reducing the anxiety

often associated with investment planning. Larry works seamlessly with attorneys and tax professionals to develop strategies to help meet financial goals. Larry is supported by a skilled administrative staff consisting of Registered Client Associate Carole A. Alexander and Client Associate Shannon Alexander.

the eppolito Financial Group of wells Fargo advisors One Meetinghouse Road • Chelmsford, MA 01824 Phone: (978) 250-0003 • Toll-free: (800) 964-1003

[email protected] • www.wfadvisors.com/larry.eppolito

The rating may not be representative of any one client’s experience because the rating reflects an average of all, or a sample of all, of the experiences of the investment advisor’s clients. The rating is not indicative of the investment advisor’s future performance. See the announcement page for more information on how the FIVE STAR Wealth Managers are chosen. Wells Fargo Advisors, LLC, Member SIPC, is a registered broker-dealer and a separate non-bank affiliate of Wells Fargo & Company. [CAR 1210-1657]



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Left to right: Back row: Kevin Grimes, Adam Jacobs, Emily Wood, Michael Grenon Front row: Two-Year Winners Thomas Grimes and Timothy Grimes, Jerry Connolly


tHe griMeS & coMpanY teaM

Independent and Trusted Financial Solutions to Preserve, Protect and Grow Wealth

• Ranked by Barron’s among the top 100 Financial advisors nationally for 2009 and 2010 • Named a top wealth manager nationally by Bloomberg/Wealth Manager for the past eight years • Also recognized by Reuters, Boston Business Journal and Financial Advisor Magazine Areas of Focus: Personalized investment management, strategic financial planning, retirement income planning Designations: CFA, CFP®, CIMA, CRPS®

g

rimes & Company, Inc. is a Registered Investment Advisor (RIA) providing custom discretionary portfolio management and wealth management services for clients across the country. As a totally independent firm, Grimes & Company does not represent any brokerage firm or financial institution, and as such, their investment and financial planning advice and recommendations are objective and unbiased. Active portfolio management, proprietary research and financial planning

expertise allow Grimes & Company to provide a customized investment strategy specifically designed to satisfy the unique financial objectives and parameters of each individual client with strong and consistent performance, disciplined asset management and unparalleled service and support. Grimes & Company is headquartered in Westborough, with an office conveniently located in Newton.

Grimes & Company, inc.

110 Turnpike Road, Suite 100 • Westborough, MA 01581 Phone: (508) 366-3883 [email protected] • www.grimesco.com



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integrated Financial partnerS

Left to right: 2011 Winners Al Filosa, Steve Faberman; Paul Saganey; 2011 Winners Chris Cavallaro, John Pastore; 2010 Winner Ray Lucas

Steve Faberman, Al Filosa, Chris Cavallaro and John Pastore … • Working with successful individuals, families and business owners for more than 25 years • Team approach to wealth management, distribution and transfer needs for clients • Planning for the clients of successful CPA firms throughout New England

Specializing in estate and financial planning, insurance and investment strategies to help meet clients’ unique needs Faberman, Private Wealth Advisor; Filosa, Private Wealth Advisor; Cavallaro, RFC, CRPC®; Pastore, CRPC®

Y

ou receive advice from your CPA, attorney, investment advisor and friends. Who is coordinating your financial affairs? An experienced financial planner can review all aspects of your financial plan to see if your goals are being met. At IFP, our planners will work with your other professional advisors to help determine the adequacy of your current plan. Using our Financial Second OpinionTM program, we will provide you with an assessment to give you updated and concise information on vital financial

matters that affect you and your family. Our team of independent planners can help clients implement financial solutions to address individual needs uncovered during the financial planning process. From working with your CPA on tax-saving strategies to assisting your attorney with your estate planning needs, Integrated Financial Partners is proud of our commitment to provide superior client services.

300 5th avenue, 3rd Floor • Waltham, MA 02451 Phone: (866) 279-3190

[email protected] • [email protected] • [email protected] • [email protected] • www.ifpadvisor.com Registered associates of Integrated Financial Partners, Inc. are registered representatives of Lincoln Financial Advisors, Corp. Securities and investment advisory services offered through Lincoln Financial Advisors, Corp., a broker-dealer (Member SIPC) and registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. Branch office: 115 Glastonbury Blvd., Glastonbury, CT 06033 Phone: 860-734-0400. CRN201012-2048989.



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legacY Financial adviSorS

Left to right: Front: FIVE STAR Wealth Manager Paul J. Mauro, Middle: Linda M. Mauro, Nancy Kilty, Back: Jason Batista, Jon Green, Edward Kiernan IV, Thomas Fisher, Michael J. Brunelli

A Team of Financial Advisors and Wealth Managers You can Depend on — Dedicated to Exceptional Personal Service

• Thirty seven years of history helping clients achieve their goals • Six offices in Massachusetts and associates nationwide • Comprehensive planning knowledge

Areas of Focus: Financial Planning, Wealth Management, Insurance Planning, Investment Planning, Charitable Planning Designations: CLU®, ChFC®

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aul and Linda M. Mauro have built the kind of practice they would want for their own wealth management needs. Legacy Financial Advisors, Inc. is independent enough to deliver unique and creative solutions on a custom-tailored basis with no conflicts of interest. Their extensive experience is combined with the energy of young advisors in a cohesive firm dedicated to high levels of service through multiple generations. For

qualified clients, they provide the integration of tax, investment, insurance and estate planning. We only accept clients who meet the three tests of an ideal relationship. Our clients have goals that are achievable and realistic. Our clients have financial assets they want to protect and grow. Our clients have non-financial goals that make the time we spend together worthwhile for all.

1050 Winter Street, Suite 1000 • Waltham, MA 02451 Phone: (800) 427-9781 [email protected] • www.LFSadvisors.com

Legacy Financial Advisors, Inc., 321 Fortune Blvd., Milford, MA 01757, 800-427-9781 (phone), 508-482-9337 (fax) www.LFSadvisors.com. Securities and advisory services are offered through SII Investments, Inc., member FINRA, SIPC and a Registered Investment Advisor. SII Investments, Inc. and Legacy Financial Advisors, Inc. are separate companies.



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tiMotHY S. McBride and tHe nortHern trUSt teaM

Left to right: Front row: William Buccella, Denise Kelly, Cupp Paluzzi Back row: Sharon Cohen, Christopher Perry, FIVE STAR Wealth Manager Timothy McBride, Penny Weeks, David Santos

We Are a Premier Wealth Management Firm Founded More than 120 Years Ago on the Principles of Service, Expertise and Integrity • Best Private Bank in North America — Financial Times Group (2010) • Serving More than 20% of Forbes 400 Most Affluent Americans — Forbes (2010) • One of the World’s Most Admired Companies — Fortune Magazine (2010)

n

orthern Trust provides investment management, trust and estate services, private banking and family office services to individuals and families who have worked hard to achieve their success and who actively pursue their dreams. Moving forward with the times and maintaining long-standing principles are not mutually exclusive. In the midst of change, there is a need for some things that remain constant. Now more than ever, our clients need a strong

foundation to rely on as their financial affairs become more complex. With a network of offices in 18 U.S. states and locations worldwide, Northern Trust offers a breadth and depth of financial resources that is virtually unmatched in the industry. With dedicated experts like Timothy McBride, you benefit from a trusted advisor who can help you make the most of your time and your money.

One International Place, Suite 1600 • Boston, MA 02110 Phone: (617) 235-1800 • Direct: (617) 235-1826 [email protected] • www.northerntrust.com

Northern Trust banks are members FDIC • Equal Housing Lenders.



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naBHan–WellS groUp at Morgan StanleY SMitH BarneY

Left to right: Back row: Brian Wells, Jen McManus Front row: Erin Considine, Shellea Ewig, FIVE STAR Wealth Manager Ed Nabhan, Hillary McNeill

Our Clients Are Our Biggest Privilege and Greatest Responsibility

• Holistic wealth planning for families and individuals • Tailored strategies to help meet the needs and goals of each desired lifestyle • Establish a forum where professionalism is paramount and communication is essential

Areas of Focus: Ultra-High/High-Net-Worth Individuals, Families, Business Owners, Professionals and Executives

t

he Nabhan–Wells Group believes that you deserve financial advisors who share your vision, earn your loyalty and work diligently to help you attain the life you deserve for you and your family. As we work together towards your goals, we are committed to providing you with distinctive, caring and personalized attention. Equally important is our attentiveness

to helping you anticipate the changes and challenges in your life so you can be prepared to meet those circumstances when they arise. Our ultimate goal is to provide you with a level of comfort and the highest level of service. FIVE STAR Wealth Manager recipient Edward G. Nabhan, Senior Vice President.

125 high Street, 24th Floor • Boston, MA 02110 Phone: (617) 748-5858 • Phone: (866) 634-9772

[email protected] • www.morganstanley.com/fa/nabhanwells © 2011 Morgan Stanley Smith Barney LLC. Member SIPC.



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Left to right: Jennifer Votano, Tom Vautin, Caitlin McCabe, Two-Year Winner Ira Rapaport, Kristy Hergrueter, Matt MacLachlan, Melissa Boccaci, Sara Sokolowski


neW england private WealtH teaM

Independent Wealth Advisor Building Relationships on Knowledge, Trust and Integrity

• Fee-only, personalized and comprehensive wealth management with more than $600 million under advisement • Delivering objective, unbiased, communicative and highly customized services • Integrated and flexible process involving your existing advisors (CPA, attorney, insurance) Areas of Focus: Wealth management services for individuals, families and organizations with investable assets greater than $2 million Our Professional Team Designations: AIF, CFA®, CFP®, ChFC®, CIMA®, CPA, MBA and MST

n

ew England Private Wealth Advisors, LLC is a fee-based registered investment advisory firm. Our comprehensive team approach is designed to assist clients in making financial decisions consistent with their goals and values. We provide a full range of services for the development, implementation, management and ongoing oversight of a coordinated master financial plan. We recognize and understand the numerous challenges impacting our clients’ assets, including: the importance of taxes and inflation, income needs, generational

planning, philanthropic interests and trust structures. We think strategically across all asset classes, utilizing both traditional and alternative investments, in designing highly customized portfolios. We utilize nationally recognized firms such as Charles Schwab and Fidelity to custody client assets. We are committed to establishing a lasting partnership with our clients and place a strong emphasis on ethics and values, which are the keys to our success.

36 Washington Street, Suite 395 • Wellesley, MA 02481 Phone: (781) 416-1700 [email protected] • www.nepwealth.com



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KriStin a. nordaHl

Investing in Relationships for Life

• Customized comprehensive financial planning for individuals and businesses • Providing strategies to help you achieve your financial goals • Continuous monitoring of financial strategies to adjust to life’s evolving changes

Focus: Risk Management, Wealth Management and Investments, Business, Retirement and Estate Planning; Special Needs Planning Designations: CERTIFIED FINANCIAL PLANNER™, Chartered Life Underwriter®, Wharton Retirement Planning Certificate

S

ince 1983, Kristin A. Nordahl has been helping individuals and business owners achieve their goals by providing customized financial strategies. Helping you reach your financial goals remains her most important objective. Kristin is committed to building long-term, meaningful relationships with her clients. As senior partner and co-founder of The MNE Group, Kristin is affiliated with Baystate Financial Services, one of New England’s oldest, premier, privately owned financial firms that is respected

throughout the country. With a trusted team approach, The MNE Group provides clients with resources and guidance needed in today’s complex and rapidly changing financial environment. Kristin works closely with her clients and their advisors in developing an integrated approach to ensure all areas are developed, executed, reviewed and monitored. Drawing on her knowledge, experience and world-class planning tools, Kristin strives to help build financial freedom for every client.

859 Turnpike Street, Suite 129 • North Andover, MA 01845 Office: (978) 689-7557 • Toll-free: (888) 826-6634

[email protected] • www.TheMNEGroup.com

Kristin A. Nordahl is a senior financial planner and a registered representative with New England Securities. Securities products and investment advisory services are offered through New England Securities, a broker/dealer, member FINRA/SIPC and registered investment adviser. Insurance products are offered through New England Life Insurance Co., Boston, MA, and related companies. The MNE Group and Baystate Financial Services are separate entities from New England Securities. The FIVE STAR Award is granted by Crescendo, an independent 3rd party marketing firm. This award may not represent the experience of all clients and is not indicative of future performance or success. This award stems from client peer and industry expert feedback. L1110144031 [exp 1211]



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Left to right: Back row: Robert Ryan, Two-Year Winner Craig Lewis, Peter Grave Front row: Adrian Wong, James Fitzpatrick


rgl groUp at Morgan StanleY SMitH BarneY

Dedication, Knowledge and Experience to Help Secure Your Future

• Tailored wealth management strategies • Organizing, prioritizing and implementing comprehensive financial plans • Providing optimum personal commitment to client service

Areas of Focus: Financial Planning, Wealth Management, Business and Executive Services Financial Advisors, Robert Ryan, Craig Lewis, Perter Grave; Registered Associates Adrian Wong, James Fitzpatrick

i

am honored to have been selected by our clients for the “Overall Satisfaction” award two-years running. Engaging in a business life cycle, our team provides a standard that combines analytics with execution to help construct financial strategies to businesses while also considering personal wealth objectives. Key areas of focus are: helping to grow enterprise value; maximize retirement benefits; protect the value of the enterprise; plan for a

succession, sale or merger and family planning. In our complex financial world, our team focuses on a time-tested approach utilizing investment policy statements, asset allocations, asset rebalancing, investment portfolios and non-correlating asset classes. This institutional process has an emphasis on capital preservation. Our priority is to provide our clients a level of service that exceeds their expectations.

125 high Street, 24th Floor • Boston, MA 02110 Phone: (617) 478-6462 • Fax: (617) 946-5104

[email protected] • [email protected] • [email protected] © 2011 Morgan Stanley Smith Barney LLC. Member SIPC.



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rinet ManageMent teaM

Left to right: Back row: Gary Savage, Brian Rivotto, Kathy O’Brien, Pat Maraghy, David Beckwith Front row: Rebecca Pouliot, FIVE STAR Wealth Manager Joel Goober, Kathy Wallace

Build a Partnership Around Your Wealth

• Long history of dedication to families of wealth • Open and objective guidance • Sound judgement

Areas of Focus: Investment Advisory Services, Financial Planning Services, Trustee Services, Personal Affairs Management Designations: CFA, CPA, CFP®, JD, CLU®

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hen you partner with RINET, you work with a company founded on a single, well-defined goal: managing your wealth. RINET is an independent wealth management firm well known for offering high-networth individuals consistent and objective advice, open communication and access to compelling investment opportunities. Founded in 1974, we serve more than 125 families and our high client retention rate speaks to the trusted relationships we build.

As one of the first fee-only wealth advisory firms in the area, RINET continues to provide truly objective advice. Our mission is to collaborate with you to build the best strategy for long-term success. We do not sell products or earn commissions, which aligns our interests with yours and allows us to remain thoroughly focused on your goals.

101 Federal Street • Boston, MA 02110 Direct: (617) 488-2720 • Office: (617) 488-2700 [email protected] • www.rinetco.com



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Left to right: Christine Mitsakis MacInnis, Two-Year Winner Paul V. Ryan, Jr., Veronica Caulfield


paUl v. rYan, Jr.

Fee-Based and Independent — Allows Us to Work in Your Best Interest

• Managing investments and wealth with the end in mind — your wealth needs • Confidential, interactive and personal relationships with our clients • Customized individual investment, wealth and retirement planning Areas of Focus: Wealth Management, Asset Management, Financial Planning and Estate Planning

Designations: CERTIFIED FINANCIAL PLANNER™, Registrations 7, 24, 6, 63, 65, 4, 53 and Executive Director

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aul is honored to be named a FIVE STAR Wealth Manager for the second consecutive year. He is fully aware that this accomplishment is attributable to the support of his clients. With this recognition comes a responsibility to continue the high level of personal service. When you come to see Paul at Flagship Financial Advisors, LLC, he will want you to feel comfortable speaking about your individual goals, needs and aspirations. Understanding where you want to go is very important to Paul before talking about how he will get you there.

To Paul, and this is central, investments are a tool to use to help achieve your financial goals. Investments are a means to an end, not an end to themselves. With a strong blend of education and more than 20 years of experience, Paul is well-qualified to help you achieve your financial goals. Paul also serves as the managing executive of the largest group in the Northeast with his broker/dealer. There are more than 50 independent professional representatives in Paul’s group managing more than $1 billion in client assets.

Flagship Financial advisors, llC

301 Edgewater Place, Suite 400 • Wakefield, MA Phone: (781) 224-9924 • Toll-free: (800) 631-9997

[email protected] • www.FlagshipFinancialAdvisors.com

Securities and investment advisory services offered through Royal Alliance Associates, Inc., member FINRA/SIPC and a registered investment advisor. Additional investment advisory services offered through Flagship Financial Advisors, LLC, a registered investment advisor not affiliated with Royal Alliance Associates, Inc.



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Brad SHarp and JUdY lUdWig

Left to right: Two-Year Winners Brad Sharp and Judy Ludwig

Act, Preserve and Protect

• As an active manager, we do more than just buy and hold • Wealth preservation in down markets through risk-controlled proprietary models • Fee-only financial planning

Areas of Focus: Investment Management and Financial Planning Designations: CERTIFIED FINANCIAL PLANNER™ practitioners, Chartered Financial Analysts, Certified Public Accountants

B

raver Wealth Management began more than 20 years ago with the philosophy that avoiding major market declines is more important to an investor’s long-term performance than maximizing the upside. Our proprietary, time-tested models provide a common sense solution to the daily volatility in the markets. We recognize that individual investors and small institutions can’t afford major losses yet still need to generate competitive and

consistent returns. We don’t sit idly by and watch our client portfolios lose value when markets are declining. The objective of our quantitative models is to take action to preserve and protect in declining markets. This is how we are unique from virtually all investment advisors. The Braver way: to act, to preserve, to protect.

117 Kendrick Street • Needham, MA 02494 office: (617) 969-0223

[email protected] • www.braverwealth.com Braver Wealth Management, LLC is a fee-only, Independent Registered Investment Advisor.



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Left to right: Back row: Susan Arnold, Andre Fernandes, William Walsh, Wayne Grzecki and Kerry Falco Front row: Two-Year Winners Ron Sugameli, Maria Staffiere and 2011 Winner Matt Biggar


tHe WeSton Financial teaM

Personal Wealth Management Providing Trusted Advice and Peace of Mind since 1979

• Comprehensive wealth management services for affluent families • Experienced team of professionals • Dedicated to a superior level of client service

Areas of Focus: Strategic planning, asset management, tax and estate planning strategies

F

or more than 30 years with more than $1.6 billion under management, our experienced team of professionals has provided high-quality, comprehensive wealth management services to high-net-worth individuals, affluent families and corporate executives in the Boston area, as well as throughout the country. A comprehensive financial plan is the foundation of your portfolio. We implement your plan by employing dynamic asset management, tax

and estate planning strategies. Your investment strategies utilize an open platform of thoroughly researched, best-in-class investment managers. As your goals evolve and market conditions change, we readjust your plan and asset allocation accordingly. At Weston Financial, we will help you manage and preserve your wealth while providing you with peace of mind in a rapidly changing world. Isn’t it time you met with a trusted advisor to define and achieve your life goals?

Wellesley Office Park: 100 William Street • Wellesley, MA 02481 Main: (781) 235-7055 • Fax: (781) 235-1905 [email protected] • www.westonfinancial.net

Wealth management services offered by Weston Financial Group, Inc., a Registered Investment Advisor and a wholly owned subsidiary of The Washington Trust Company. Securities are offered through its sister company; Weston Securities Corporation, a Broker/Dealer, Member FINRA/SIPC.



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Left to right: Back row: 2011 FIVE STAR Wealth Managers John Biebel, Rich Hayes, Matt Lasker, Jeff White; Deb McDonald Front row: Two-Year Winners Art von der Linden, Carol Khouri; Joe Evangelista


Wingate Financial groUp

Helping You with Important Financial Decisions Throughout Your Lifetime

• The resources of a big firm with the personal touch of a small firm • Unique blend of unbiased advice, wealth management expertise and exceptional service • An integrated approach ensures that your portfolio aligns with your personal goals Areas of Focus: Comprehensive financial planning and strategic investment management Our Advisors’ Advanced Degrees and Professional Designations Include: CFP®, CFA, CDFA™, JD, MBA and MST

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ingate is an independent, fee-only wealth management firm. We have been providing financial planning and investment advisory services to individuals, families and organizations for more than 25 years. We are committed to delivering the best possible advice and service to our clients. We begin our relationship with an in-depth financial planning process focused on your personal goals. This process helps us to better understand your objectives and to establish your key guiding principles. We see planning as more than just a one-time activity; it’s an ongoing journey as your life evolves.

We adhere to a balanced investment approach that allows you to meet your longterm goals without undue exposure to risk. We believe that investors who chase past performance or invest heavily in what’s hot are often at risk for substantial and possibly permanent losses. We maintain a long-term outlook. However, with patience and careful adjustments, our goal is to take advantage of investment opportunities as they become available, improving your long-term returns while managing risk.

450 Bedford Street • Lexington, MA 02420 Phone: (781) 862-7100

[email protected] • www.wingatefinancialgroup.com



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deBra K. Brede

Globally Recognized. Personally Focused.

• An investment strategy customized to your goals • Continuous hands-on performance monitoring and review • An integrated plan encompassing all aspects of your financial life

d

ebra Brede is recognizable to CNBC and Fox Business news viewers around the world, and she’s been featured in The Wall Street Journal, The New York Times, Financial Times, Reuters and Bloomberg. To her clients, she is the provider of unparalleled investment expertise and wealth management services tailored to their unique life objectives. Contact us today and let one of the most recognized names in the financial industry put her global expertise to work for your personal objectives.

d.K. Brede investment Management Co., inc.


1253 Highland Avenue • Needham, MA 02492 Phone: (781) 444-9367 • Toll-free: (800) 955-1525 www.bredeinvestment.com

Securities and Advisory Services offered through Commonwealth Financial Network®, Member FINRA, SIPC, and a Registered Investment Adviser.

MicHael carlSon

Sentinel Benefits & Financial Group

• Custom solutions for life and wealth • Independent firm providing unbiased advice • Fiduciary solutions for retirement plan sponsors and participants Designations: Michael Carlson, AIF; James Carnevale, JD, CFP®; Matthew McPhail, CFA; John Carnevale, President, JD

d

edicating time to wealth planning can help you protect the assets you have now and increase your wealth in the future. Our mission is to promote the long-term financial well-being of our clients. Sentinel Benefits & Financial Group has the experience and expertise to help you develop retirement strategies to achieve your financial goals. Our comprehensive offering, sound wealth planning guidance and investment solutions can help you make the right decisions about your retirement, education and other savings goals.

55 Walkers Brook Drive • Reading, MA 01867 Toll-free: (888) 880-1330 • Phone: (781) 914-1200

[email protected] • www.sentinelgroup.com

Investment advice offered through Sentinel Pension Advisors, Inc., a registered investment advisor. Securities offered through Sentinel Securities, Inc., member FINRA, SIPC.


Left to right: James Carnevale, FIVE STAR Wealth Manager Michael Carlson, Matthew McPhail, John Carnevale

ce do Bu Cr sc nd B si es en o u s ne re ce do Bu in sc nd B si es en o us ne s ce do Bu in ss nd B si es S us ne s S er o do Bu in ss e r e Bu sin ss Se vic r e e s v S Bu in ss ic e 2011 F i v e S ta r W ea lt h M a n ag e r s

centinel Financial groUp

Helping Clients Accumulate and Protect Wealth

• Professionalism, respect, trust and quality • An independent organization — we work for you • Using your personal values to make decisions Areas of Focus: Wealth Management and Asset Protection Designations: Including CFP®, CLU®, ChFC®, CLTC

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entinel Financial Group, LLC is a select team of financial advisors and professionals with backgrounds in finance, business, insurance and investments. Through our team approach, our firm has built a reputation as a leader in the financial services industry and as an innovative business partner with our clients. Each advisor understands his or her client’s unique financial picture and provides for the most effective resources to help meet those needs.

160 Gould Street, Suite 212 • Needham Heights, MA 02494 Main Office: (781) 446-5000 • Fax: (781) 446-5050


Left to right: Front row: Two-Year Winners Scott W. Holden, John W. Hwee Back row: Two-Year Winners Adam M. Sachs, Stuart H. Armstrong II

www.centinelfinancialgroup.com

Registered Representative/Securities and Investment Advisory Services offered through Signator Investors, Inc., Member FINRA, SIPC, a Registered Investment Advisor. Centinel Financial Group, LLC is independent of Signator Investors, Inc. and any affiliated companies. 501-11302009-17053159.

Financial coMpaSS groUp Navigating Your Financial Journey

• Proprietary comprehensive wealth management process • Retirement plan design and implementation • Closely-held and family-business planning

Title/Designations: Jeffrey West, CFP®, MBA, Partner; Richard Shakter, JD*, CLU®, CFP®, Partner; Gerald Govatsos, Partner

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inancial Compass Group, LLC utilizes a client-centered approach to counseling individuals and business owners in defining and planning for wealth, retirement and quality of life goals while protecting and enhancing those already attained. Combining our extensive experience with our proprietary 360° Panoramic WealthView planning system, we escort clients through the evaluation of their financial position and quality of life. This allows us to identify gaps where they exist relative to their objectives and focus on integrating wealth management, investment and protection strategies.

Two Newton Executive Park, Suite 200 • Newton, MA 02462 Phone: (617) 630-7777 www.FinancialCompassGroup.com

Jeffrey West, Richard Shakter and Gerald Govatsos are Registered Representatives and Investment Adviser Representatives of Equity Services, Inc. Securities and investment advisory services are offered solely by Equity Services, Inc., a Broker/Dealer and Registered Investment Adviser, Member FINRA/SIPC, Two Newton Executive Park, Suite 200, Newton, MA 02462. Telephone (617) 965-7777. Financial Compass Group, LLC is independent of Equity Services, Inc. *Not practicing law on behalf of Equity Services, Inc. TC60131(1210).

Left to right: FIVE STAR Wealth Manager Richard Shakter, Two-Year Winner Jeffrey West, Gerald Govatsos


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Fraga WealtH ManageMent groUp Securing Your Future

• More than 75 years of collective experience • Focused on long-term client relationships • Exceptional personal service dedicated to your dreams

Areas of Focus: Retirement Planning, Investment Management, Estate Planning JD, CFP®, CLTC, CRPC, NFLPA Registered Player, Financial Advisor

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n life, concerns seem to be a constant. Your finances shouldn’t be one of them. We are an experienced team of financial and legal professionals with more than 75 years of collective experience, offering intelligent guidance in and coordination of retirement income planning, investment management and financial, estate, tax and long-term care planning. We have helped others plan wisely … let us help you.

10 Commerce Way • Raynham, MA 02767 780 Fifth Avenue South, Suite 200 • Naples, FL 34102 Phone: (508) 824-3922 • [email protected] • www.fragawealth.com

Left to right: Guy Tomase, FIVE STAR Wealth Manager Chris Fraga, Al Fraga

Securities and advisory services offered through Commonwealth Financial Network, Member FINRA, SIPC, a Registered Investment Adviser. Estate Planning and Legal Services provided by Christopher A. Fraga and Fraga Wealth Management Group. Fraga Wealth Management Group and Commonwealth Financial Network® are separate and unrelated entities.

FreedMan Financial teaM Financial Planning Done Right

• Serving individuals and families since 1968 • Independent, objective financial advice • Fee-based wealth management

Area of Focus: Comprehensive Financial Planning for Individuals and Families Designation: CERTIFIED FINANCIAL PLANNERTM professionals

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ith access to state-of-the-art technology and unbiased industry research, our commitment to independent advice is delivered through unbiased solutions and making your interests our top priority. We are recognized both domestically and internationally as a leader in practice management, client service and financial planning strategies because of our commitment to innovation and a strict code of ethics.

8 Essex Center Drive • Peabody, MA 01960 Phone: (978) 531-8108

[email protected] • www.freedmanfinancial.com

A Massachusetts Registered Investment Advisor. Securities and Fee-Based Accounts Offered through LPL Financial. Member FINRA/SIPC.



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Left to right: Two-Year Winner Marc S. Freedman and 2011 Winner Marion B. Gilman


gage & WilSon

Customized Personal Service

• Solutions for high-net-worth clients with a wide breadth of needs • Client-focused, competent guidance on a full range of investment strategies • Risk management and estate planning strategies Areas of Focus: Include financial planning, retirement strategies, education funding Designations: Daniel T. Wilson, CFP®, ChFC®, CLU®; Douglas B. Gage, ChFC®, CLU®

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ith more than 29 years of combined experience, Senior Financial Advisors Doug Gage and Dan Wilson pride themselves on providing excellent advice and outstanding service to clients. Simplifying the finances of busy people through ongoing financial planning and investment strategies has consistently helped rank them among the top advisors at Ameriprise Financial in client satisfaction and retention. Clients are able to focus on living the dreams that are most important to them and their families, while Doug and Dan employ financial strategies to help them manage and work to protect what is important to them. Gage & Wilson is committed to your financial well-being to help you enjoy your journey.

Gage & wilson, a financial advisory practice of ameriprise Financial Services, inc. 450 Lexington Street, Suite 202 • Auburndale, MA 02466 Phone: (617) 500-4225 • Doug Gage: Ext. 108 • Dan Wilson: Ext. 106

Left to right: Two-Year Winners Dan Wilson and Doug Gage


[email protected] • [email protected]

Working with this financial advisor is not a guarantee of future financial success. Investors should conduct their own evaluation of a financial professional. Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc., Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients.

peter t. JaWorSKi

Experience the Power of Being Understood

• Planning built around what matters most to you • Solutions as unique as your goals • Resources for today and tomorrow

Areas of Focus: Business owner succession, investment, retirement, tax Designations: CFP®, ChFC, CLU

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e believe that there is no set formula for achieving success. We know that attaining your long-term objectives depends upon the development, deployment and continual measurement and refinement of a strategy unique to you. Peter Jaworski is the managing director of McGladrey’s New England wealth management practice and brings extensive experience in tax minimization planning, risk management, investments, retirement and estate planning. We are a wealth advisory firm that creates a plan to turn your vision into a living, breathing strategy designed to achieve your goals. McGladrey provides one of the industry’s most comprehensive suites of services for managing both your personal wealth and business planning needs. No matter what your financial needs may be, McGladrey Wealth Management can bring the required resources together to meet them.

80 City Square • Boston, MA 02129 Phone: (617) 912-9000 • Direct: (617) 241-1321

[email protected] • mcgladrey.com/Services/Wealth-Management

McGladrey is the brand under which RSM McGladrey, Inc. and McGladrey Pullen, LLP serve clients’ business needs.


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JoHn M. KoUlopoUloS

Trusted Advice • Exceptional Service

• Personalized wealth management and retirement planning strategies • Knowledgeable and experienced team of professionals • Dedicated to superior customer service Areas of Focus: Wealth Management, Retirement and Income Planning Designations: Senior Vice President – Complex Manager, CIMC

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ur mission is to build lifelong, multigeneration client relationships through a foundation of trust and confidence. Our value is built on our experience and knowledge of wealth management strategies and retirement and income planning. We work with our clients to formulate a comprehensive and personalized plan, implement that plan and provide ongoing guidance and direction while constantly striving for exceptional customer service and satisfaction.

91 Longwater Circle, Suite 300 • Norwell, MA 02061 Office: (781) 792-0111 • Toll-free: (800) 543-8010

[email protected] • home.wellsfargoadvisors.com/john.koulopoulos

Left to right: Courtney Brock, FIVE STAR Wealth Manager John M. Koulopoulos, William Swett

The rating may not be representative of any one client’s experience because the rating reflects an average of all, or a sample of all, of the experiences of the adviser’s clients. The rating is not indicative of the adviser’s future performance. See the announcement page for more information on how the FIVE STAR Wealth Managers are chosen. Wells Fargo Advisors, LLC, Member SIPC, is a registered brokerdealer and a separate non-bank affiliate of Wells Fargo & Company. [CAR 1110-4119 12/6/10].

JoHn W. nadWornY

Care • Understanding • Personal Experience

• Special needs financial planning • Fee-based, independent, objective, unbiased

Investment and Trust Management, Special Needs Planning, Insurance Planning Designations: CFP®, ChFC®, CLU®, MBA

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lanning for an individual with special needs is unlike traditional wealth management approaches. Your loved one is 100 percent reliant on you, so you have to proactively prepare for the unexpected with a sense of urgency. To focus on growing and preserving your wealth and ensure that other needs such as insurance and health care are properly addressed, we have developed a client-centric process that guides you along each important stage of your life and the life of your dependent. Authors of “The Special Needs Planning Guide; How to Prepare for Every Stage of Your Child’s Life” (Brookes Publishing 2007).

130 Turner Street, Building 3, Suite 230 • P.O. Box 9086 • Waltham, MA 02454 Phone: (781) 899-3346 www.specialneedsplanning.com • [email protected]

Securities offered through LPL Financial, Member FINRA/SIPC. Financial Planning offered through Special Needs Financial Planning LLC, a Registered Investment Advisor and separate entity from LPL Financial.


Left to right: Standing: FIVE STAR Wealth Manager John W. Nadworny, Jackie M. Lessing and Phil G. Mazzola Sitting: Cynthia R. Haddad


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paUl Fragala

Genuine Care with Professional Advice

• Comprehensive financial planning approach • Honest, straightforward financial advice

Areas of Focus: Financial Planning, Retirement, Investment and Estate Planning Designations: CFP®, Financial Advisor

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aul and his team listen to your concerns and take the time to understand what means the most to you and your family. Using a financial planning approach, they will help you make the financial decisions that fit your goals, needs and situation. His team consists of two financial advisors, Cynthia Merillat and Cole Parlin; a client service manager, Sue Hansford; and a client service specialist, Patty Dooley.

Paul Fragala & associates, a financial advisory practice of ameriprise Financial Services, inc. 76 Main Street • Andover MA 01810 Phone: (978) 474-9900 [email protected] • ameripriseadvisors.com/paul.j.fragala


Left to right: Two-Year Winner Paul Fragala; Cole Parlin, 2011 Winner Cynthia Merillat

Working with this financial advisor is not a guarantee of future financial success. Investors should conduct their own evaluation of a financial professional. Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc., Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients.

KriStine porcaro

Helping Clients Face Their Life Decisions

• Lexington Wealth helps clients balance strategy and emotion • Tailored investment solutions Areas of Focus: Holistic life planning, tax planning, concierge services

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or more than a decade, Lexington has thrived in its independent ownership. Being a “fee-only” boutique has enabled us to retain our core values of independence, integrity and entrepreneurial spirit. This keeps us focused on the most important aspects of our job: listening, learning and always acting as an advocate for our clients. It is with this commitment that three of our partners have been nationally recognized in venues such as Worth magazine’s “Top 250 Wealth Advisors.”

1666 Massachusetts Avenue • Lexington, MA 02420 Phone: (781) 860-7745

Left to right: Michael Tucci, FIVE STAR Wealth Manager Kristine Porcaro, Daniel Flanagan, Glenn Frank (not pictured: Gary Pomerantz, Ed Papier)



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MicHael a. tUcci

Integrity • Experience • Teamwork

• Recognized individual and business tax specialists since 1974 • Deep experience serving high-net-worth individuals and families • Income tax planning for more informed investment decisions Areas of Focus: Tax compliance services and estate, gift and trust strategies Designations: CPA, MST

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rcolini & Company is a CPA firm that provides tax preparation and planning services to individuals and families and their professional advisors, including banks, law firms and wealth managers. Our tax specialists identify tax planning opportunities as legislation is developed in Washington D.C. and on Beacon Hill. With our knowledge of current tax compliance requirements, we provide sound advice and counsel regarding significant financial decisions affecting our clients. Partner-level attention and responsiveness lead to long-term client relationships that are based on trust and shared values.

101 Arch Street, Suite 300 • Boston, MA 02110 Phone: (617) 482-5511

Left to right: Ed McNeil, Bill Crane, FIVE STAR Wealth Manager Mike Tucci, Greg Hart

[email protected] • www.recpa.com

david B. aleXander

WilliaM W. alMond

alexander wealth advisors, llC 284 ayer Rd. harvard, Ma 01451

800 South St., Ste. 505 waltham, Ma 02453


office: (978) 772-1400, ext. 11 [email protected] www.alexanderwealth.com

office: (781) 788-4602 [email protected]

Making a Difference in Our Clients’ Lives

Building Relationships Beyond the Sale

• Comprehensive wealth management • Retirement strategies • Tax planning

• Holistic approach based on an integrated model • Personalized analysis, fact-based recommendations • Fully referral-based practice

Designations: CPA®, MST, PFS

Areas of Focus: Retirement Strategies, Business and Estate Planning Titles: Financial Advisor, Registered Representative

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lexander Wealth Advisors is a multidisciplined wealth management firm servicing the needs of affluent individuals, families and business owners. Using our unique process, our team of CPAs, CFP® practitioners and financial advisors develop personalized, actionable plans integrating complex retirement, investment, estate, tax and business strategies all focused on each client’s financial goals and objectives. Securities offered through 1st Global Capital Corp., Member FINRA, SIPC. Investment Advisory Services offered through 1st Global Advisors, Inc.


ill has more than 13 years of experience helping his clients make intentional financial decisions based on an organized, coordinated and integrated financial model. His process starts with clients articulating their definition of success, which yields a customized strategy designed to put fears to rest with a common sense, first-thingsfirst action plan. Securities and investment advisory services offered through New England Securities (NES)(FINRA/SIPC), a registered investment advisor. Baystate Financial Services is not affiliated with NES.


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cHad BeSegai

BoB Brandt

1 harris St. newburyport, Ma 01950

office: (617) 723-3200

office: (978) 465-4188


1 Boston Place, Ste. 3520 Boston, Ma 02108

www.wfadvisors.com/chad.besegai

Fully Invested in Your Success

[email protected]

Values Driven • Planning for Life

• Customized retirement and income planning strategies • A consistent investment planning process • Committed to exceptional client service

• Advising individuals, families and businesses • Providing tailored solutions • 21 years’ financial planning and asset management

Focus: Financial Advisory Services; Retirement and Income Planning Designations: MBA, CERTIFIED FINANCIAL PLANNER™

Senior Financial Advisor, CERTIFIED FINANCIAL PLANNER™ professional

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e

The rating may not be representative of any one client’s experience because the rating reflects an average of all, or a sample of all, of the experiences of the adviser’s clients. The rating is not indicative of the adviser’s future performance. See the announcement page for more information on how the FIVE STAR Wealth Managers are chosen. Wells Fargo Advisors, LLC, Member SIPC, is a registered broker-dealer and a separate non-bank affiliate of Wells Fargo & Company. [CAR 1210-0628A]. Wells Fargo Advisors is not a tax or legal advisor.

Working with this financial advisor is not a guarantee of future financial success. Investors should conduct their own evaluation of a financial professional. Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc., Member FINRA and SIPC.

s a Financial Advisor and C ERTIFIED F INANCIAL P LANNER ™ professional, I dedicate my practice to helping individuals and families develop and implement comprehensive wealth management strategies for their specific needs. I am grateful to all of my clients for their continued trust and confidence.

motions can get in the way of sound financial decisions. I guide clients toward clear-sighted financial choices that reflect their personal values. At each step, I help clients find opportunities and avoid mistakes. I invite you to learn about my in-depth approach to financial planning and asset management.

georgia BrUggeMan

cliFFord caplan

Meridian Financial advisors, llC


13 water St., Ste. 2 holliston, Ma 01746

Phone: (508) 429-2600

1408 Providence hwy. norwood, Ma 02062

[email protected] www.meridianfinancial.net

www.nvfp.com

Financial Peace of Mind

office: (781) 762-6200

Experience • Independent • Diligent

• Providing personal attention to clients for 21 years • Independent, fee-only, no commissions or 12-B1 fees • Focus on downside protection and tax minimization

• Long history of integrity and independence • Retirement accumulation and income strategies • Innovative solutions for wealth preservation

Focus: Portfolio Management, Comprehensive Wealth Management Designations: CFP®, MBA

Areas of Focus: Retirement strategies, wealth preservation Designations: CFP®, AIF®, MBA

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FA will help you stay on track with your goals so you will have more control of your finances, peace of mind and a clear financial direction. Your team will include CPAs, estate attorneys and insurance agents when appropriate. You will eliminate the guesswork in coordinating insurance, taxes, retirement, estate, LTC, education funding and reduce emotional decision making. Your success is our No. 1 priority. Stocks, bonds, preferreds, ETFs and no load funds. Recognized Fiduciary. Registered Investment Advisor. Member: CFA Institute, NAPFA, Advisor Background Check, FPA, MD Preferred Financial Network.

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ith more than 32 years of experience, Cliff has successfully navigated clients through many financial crises. The uncertainty and conflicts of interest in Washington and Wall Street requires the guiding hand of an independent and credentialed financial advisor. While Cliff specializes in retirement planning for both businesses and individuals, a major concentration of his practice is innovative, taxefficient wealth preservation strategies. Securities and Advisory Services Offered Through Commonwealth Financial Network, Member FINRA/SIPC. A Registered Investment Advisor.



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loUiS e. conrad ii

paUl derBYSHire

CoMPaSS wealth Mgmt.


P.o. Box 250 lexington, Ma 02420

308 w Central St. Franklin, Ma 02038

Phone: (781) 862-7030 Cell: (978) 828-5681

office: (508) 528-9880

[email protected] www.compassinvest.com

[email protected]

Expert Advice — Superior Service

Actionable Advice in Uncertain Times

• Independent, objective advice in your best interest • Comprehensive, customized solutions for your goals • Proactive, highly collaborative service model

• Experience providing personal financial solutions • Delivering value in ongoing planning relationships • A comprehensive, team approach to serving clients

Areas of Focus: Investment Management, Retirement and Financial Planning Designations: CFA, MBA – Founder/Owner – Former Mutual Fund Manager

Financial planning, investments, tax management strategies, retirement Designation: CFP®

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our portfolio demands the personal attention of a leading wealth manager who will structure your investments to meet your individual needs, as well as provide you with a comprehensive suite of wealth advisory services. Your selection of a wealth manager is an important one — you require integrity in an advisor and you want someone you can trust. At COMPASS Wealth Management, we strive to exceed each client’s expectations with a fee-only approach.

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s a Financial Advisor, I characterize success as developing a plan that encompasses a client’s current needs as well as long-term goals for their financial future. I care about the clients with which I work and I take the time to work with clients to plan for their goals and dreams. I believe my accessibility and knowledge provides clients with a feeling of comfort in an unstable economy. Working with this financial advisor is not a guarantee of future financial success. Investors should conduct their own evaluation of a financial professional. Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc., Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients.

Brian doHert Y

tHereSa MeeHan

Meehan Financial Services one Cranberry hill, Ste. 302 lexington, Ma 02421


6 Boston Rd., Ste. 200 Chelmsford, Ma 01824

office: (781) 676-2972

[email protected] www.meehanfinancialservices.com

office: (978) 250-0120

[email protected]

We Earn Your Trust

Trust — Value — Service

• Dedicated to your success • Customized strategies • Powerful team

• Focus on estate planning • Pre- and post-retirement strategies • College and insurance planning

Areas of Focus: Investment Management*, Retirement Income Strategies

President of Meehan Financial Services

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ur goal is to help our clients pursue financial security and peace of mind. We help achieve this through the development of customized financial strategies designed to help accumulate assets and protect our clients’ wealth. We value the relationships we have established, and continue to work hard every day. * Thomas Curran and Brian Doherty are Registered Representatives and Investment Advisor Representatives of Equity Services, Inc. Securities and investment advisory services are offered solely by Equity Services, Inc., Member FINRA/SIPC, Two Newton Executive Park, Suite 200, Newton, Massachusetts 02462 (617) 965-7777. Curran & Doherty Financial Partners is independent of Equity Services, Inc. TC60237(1210)


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have spent the last 28 years helping my clients make smart, informed financial choices. I pride myself in exceptional professional service. I strive to develop a plan that works with all relative financial professionals. I always offer clear, honest and unbiased advice. Due to these founding principles, I maintain a high client retention and referral rate. Securities Offered Through 1st Global Capital Corp., Member FINRA/SIPC. Investment advisory services offered through 1st Global Advisors, Inc.


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gregg S. MileS

tHoMaS J. oUellet te

Miles logue Financial Group

ouellette wealth Management

125 Summer St. Boston, Ma 02110

35 Bedford St., Ste. 14 lexington, Ma 02420

office: (617) 526-9393, ext. 318

office: (781) 861-0766

[email protected] www.mileslogue.com

[email protected] www.owmonline.com

Multi-Client Family Office

Planning Today for a Better Tomorrow

• Comprehensive and coordinated financial planning strategies • Design and management of life insurance portfolios for wealth transfer plans

• Trusted advice for exclusive group of families • Comprehensive wealth management roadmap • Helping you make smart choices with your money

Areas of Focus: Insurance, Financial Planning, Wealth Management Designation: CFP®

Areas of Focus: Multi-Client Family Office for Exclusive Group of Families Designations: CFS®, LUTCF, GEPC, Chartered Retirement Planning CounselorSM

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regg S. Miles specializes in advising successful, high-net-worth individuals and their families with complex wealth transfer planning techniques, comprehensive financial planning and defined wealth management strategies. Gregg’s practice focuses on providing the highest level of service and expertise to clients through a coordinated team approach and by a strict philosophy of making recommendations that are consistent, yet customized and unbiased for every client’s situation.

Thomas J. Ouellette is a Registered Principal with and securities are offered through LPL Financial, Member FINRA/SIPC.

dUKe paScUcci

StepHen piot te

53 State St. Boston, Ma 02109

179 Great Rd., Ste. 210 acton, Ma 01720

Phone: (617) 589-3270

Phone: (978) 266-1930



Gregg Miles is a registered representative of and offers securities and investment advisory services through MML Investors Services, Inc. Member SIPC. CA License Number 0D08836 — FL License Number E047102.

ave you found your trusted financial advisor yet? To thrive in the 21st century financial landscape, every family needs a trusted financial advisor who acts like a “friend in the family” and who helps you make smart choices with your money. Mr. Ouellette is owner and founder of Ouellette Wealth Management Group in Lexington, MA. He is an advisor with LPL Financial, one of the nation’s largest independent financial advisory firms.

[email protected]

Adding Value to the Lives of My Clients

• Independent, objective and comprehensive approach • Customized planning to suit specific client objectives • Highly personalized service and client communication

[email protected]

Your Dreams Are Our Goals

• Have your tax forms prepared by concerned professionals • A custom financial plan to meet your needs • Review your numbers without being treated like one

Financial, retirement and educational plng., investment mgmt., comp. retirement plans First Vice President, Financial Advisor – Wealth Management; CFP®

Areas of Focus: Financial Advisors and Income Tax Preparation Designation: Enrolled Agent

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y mission is to add value to the lives of my clients by helping them identify and reach their financial and investment goals. Each client has a unique set of objectives. For individuals, these objectives encompass retirement and educational planning along with income and wealth creation. For companies, I help establish and maintain the proper retirement plan. © 2011 Morgan Stanley Smith Barney LLC. Member SIPC.

onstellation Financial & Wealth Management Services helps individuals, families and business owners live their dreams by providing a comprehensive wealth management review including strategies and solutions for all your investment, retirement, estate and tax-planning needs. Contact us today by phone or visit our website to let us help you live your dreams. Securities offered through 1st Global Capital Corp., Member FINRA, SIPC. Investment Advisory Services offered through 1st Global Advisors, Inc.



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paUl l. rocHe iii

peter K. SeiBert

125 high St., 24th Fl. Boston, Ma 02110

20 william St., Ste. 330 wellesley, Ma 02481

Phone: (617) 478-6515

Phone: (781) 239-2809

[email protected]

[email protected]

Integrity • Knowledge • Excellence

Comprehensive Wealth Management

• Comprehensive wealth management • Corporate executive services • Planning-based, customized strategies

• Personalized investment planning • Rigorous investment management • Strategic retirement planning

Areas of Focus: Wealth Planning, Portfolio Construction, Risk Management Designations: Senior Vice President, CFP®, CIMA®, Wealth Advisor

Areas of Focus: Potential growth of income, retirement income planning Title: Vice President/Investments

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aul Roche leads a team of professionals who are pledged to uphold their five guiding principles: integrity, client focus, citizenship, lifelong education and teamwork. We are honored and humbled to have been selected again by our loyal and valued clients for the FIVE STAR “Overall Satisfaction” Award. Thank you for your continuing trust and confidence.

ith more than 25 years of experience, Pete concentrates on listening to his clients and ascertaining their needs. He then assembles appropriate portfolios to pursue their investment goals. Pete scrupulously manages and/or monitors the investments. He performs periodic reviews and makes adjustments as necessary due to changing markets and/or client requirements. His area of special expertise is creating portfolios providing a potential income stream throughout retirement. Stifel, Nicolaus & Company, Incorporated. Member SIPC and NYSE.

© 2011 Morgan Stanley Smith Barney LLC. Member SIPC.

JonatHan d. StraUS

terrY WellS

wells Financial advisors, inc. 161 worcester Rd., Ste. 205 Framingham, Ma 01701

124 Beacon St., Ste. 3F Boston, Ma 02116

office: (508) 655-9303


Phone: (617) 431-7200

www.commonscapitaladvisors.com

Growing and Protecting Generational Wealth

[email protected] www.lpl.com/terry.wells

Trust • Experience • Service

• Comprehensive wealth management advice and services • Individual securities selection — no use of funds • Definitive buy, sell and review disciplines

• Trusted, independent and objective advice • More than 20 years of experience • Exceptional client service

Focus: Discretionary Portfolio Mgmt., Retirement/Educational Plng., Estate Plng. Designations: Founding Principal, Portfolio Manager

Areas of Focus: Wealth Management, Financial and Retirement Planning Designations: CFP®, ChFC, CLU

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S

onathan founded Commons Capital Advisors, LLC on the belief there are many inconsistencies with the big bank/brokerage firm model. While other institutions try to figure out how to become profitable again, our independence frees us from those board and shareholder controls allowing us to concentrate on what is important, the client. Securities offered through National Securities Corporation: Member FINRA/SIPC. Investment Advisory Service offered through National Asset Management, Inc., a Registered Investment Advisor and affiliate of National Securities Corporation. Accounts are carried by National Financial Services, LLC. Member NYSE/SIPC, a Fidelity Investments® company.


imply stated, our mission is to help clients realize their financial goals. We get to know our clients well in order to understand their aspirations and their concerns. Through comprehensive financial planning, we are able to provide unbiased, objective advice customized for each client. We pride ourselves on providing outstanding service and maintaining long-term client relationships. Securities offered through LPL Financial, member FINRA/SIPC. Financial planning offered through Wells Financial Advisors, Inc., a Registered Investment Advisor.


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2011 F I V E S TA R W E A LT H M A N AG E R S

DAN WILLIAMS

New England Trust Services

The Dover Group

607 North Ave. Wakefield, MA 01880

Elm Bank Horticultural Center 900 Washington St. Wellesley, MA 02482

Office: (781) 246-0662 Toll-free: (800) 894-8662

[email protected] www.newenglandtrust.com

Comprehensive Estate Planning

• Sound wealth management • Living trusts • Estate and trust administration

Phone: (781) 416-1840



ROBERT A. WILKINSON, ESQ.

[email protected] www.dovergroup.com

Dedicated to Your Goals

• Sophisticated planning • Innovative solutions • Maximizing and preserving wealth Designations: CFP®, CLU®, ChFC®, AEP®

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ew England Trust Services specializes in providing creative estate planning strategies and sound wealth management. Clients of New England Trust Services are assured that they are receiving advice and estate planning techniques that are ideal for their individual circumstances. Robert A. Wilkinson, President of New England Trust Services, is an attorney with extensive experience in trusts, estate planning and probate administration. In addition, Mr. Wilkinson has years of experience in the financial services industry.

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or the past 20 years, Dan and his team have been helping families enhance and preserve their wealth. Dan’s comprehensive approach to financial planning and dedication to his clients has earned him a spot as one of our 2011 FIVE STAR Wealth Managers. Financial planning provided by Williams Advisory Services, LLC, a Registered Investment Adviser.




Securities offered through Advisory Group Equity Services, Ltd. Member FINRA/ SIPC. 161 Ash Street, Reading, MA 01867 (781) 942-5070.

STEPHEN P. AHERN

MARC ALTENHOFF

NICHOLAS S. CARLIN

JOHN D. CURTIN

600 Clark Rd., 4th Fl. Tewksbury, MA 01876 Phone: (978) 970-2900 [email protected]

271 Waverley Oaks Rd., Ste. 200 Waltham, MA 02452 Phone: (617) 715-9890 [email protected]

2 Constitution Plz., Fl. 1 Charlestown, MA 02129 Phone: (617) 580-4136 [email protected]

175 Andover St., Ste. 201 Danvers, MA 01923-1443 Phone: (978) 777-6500, Ext. 201 [email protected]

Designations: CPA/PFS, CFP®, MST

Title: Financial Advisor

Financial Advisor, CRPC®

Financial Advisor, CFP®

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elpi ng hig h-net-wor th c l i e nt s p l a n f o r t h e i r financial objectives through a long-term relationship.

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icholas helps clients manage their financial situation through a comprehensive financial planning approach and thoughtful advice.

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he first step in reaching your goals is reaching the person who can help you achieve them.

Working with this financial advisor is not a guarantee of future financial success. Investors should conduct their own evaluation of a financial professional. Ameriprise Financial Services, Inc., Member FINRA and SIPC.



tephen P. Ahern, Co-founder and President of Wealth Management Advisors, LLC and a Shareholder of the regional CPA firm Sullivan Bille, P.C. We practice based on fiduciary hightouch service that puts the client’s interests first.

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2011 F i v e S ta r W e a lt h M a n ag e r s

540 Bay Rd. Easton, MA 02375 Office: (508) 297-1113 [email protected]

Titles: Vice President, CFP®

ChFC®, MBA, MSFS, CTS

im Davis works with both families and individuals that are in need of a long-term, forwardthinking financial plan. His clients’ plans encompass investments, retirement, tax, estate planning and insurance analysis.

consultative approach to listen, collec t and analyze client data. Providing customized solutions for wealth accumulation and helping with income distributions, so that you can arrive at retirement on time and fully funded.


© 2011 Morgan Stanley Smith Barney LLC. Member SIPC.

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CHRISTOPHER F. GALLAGHER

One Ash St. Hopkinton, MA 01748 Office: (508) 435-5200 [email protected]


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y mission is to help you plan for your financial goals through a personal relationship based on personalized, knowledgeable advice.

Working with this financial advisor is not a guarantee of future financial success. Investors should conduct their own evaluation of a financial professional. Ameriprise Financial Services, Inc., Member FINRA and SIPC

2 Constitution Plaza, Fl. 1 Charlestown, MA 02129 Phone: (617) 580-4244 [email protected]


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y passion is working oneon-one w it h cl ients to understand their goals and needs, and provide a plan to help them feel confident about their future. Working with this financial advisor is not a guarantee of future financial success.Investors should conduct their own evaluation of a financial professional. Ameriprise Financial Services, Inc., Member FINRA and SIPC.


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ROBERT M. DOLLIVER

DENNIS F. GORMAN, ESQ.

Worcester, MA 01608 Phone: (508) 459-8037 [email protected] www.ftwlaw.com

Licensed MA Attorney, CPA

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ennis Gor man g uides clients through the sophisticated estate, trust, tax and business planning process. As a CPA, MST and attorney, he brings a unique perspective, paying special attention to the tax implications of available options.


DAVID S. FREDERICK

Carlton, Healy & Frederick LLP 4 Tioga Way Marblehead, MA 01945 Office: (781) 631-8410 [email protected] chfcpa.com

Individual/Business Tax and Accounting Services Certified Public Accountant

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avid is a 1970 graduate of Boston College and its School of Management Honors Program. He has been a practicing Massachusettslicensed CPA since 1980, is a Notary Public and member of the AICPA, MSCPA and MAPA.

HEIDI HANSON

501 Cabot St., 2nd Fl. Beverly, MA 01915 Office: (978) 922-4141


Boston, MA 02109 Phone: (617) 589-3472 [email protected] fa.smithbarney.com/timothydavis

STEPHEN DELLELO


TIMOTHY DAVIS

JAMES HORROCKS

Integrated Financial Partners 8 Enon St., Ste. 1R Beverly, MA 01915 Phone: (978) 232-1111 [email protected] www.lpl.com/james.horrocks

Financial Plng. and Investment Mgmt. Designation: CFP®

Designations: MBA, CFP®, AIF

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anson Financial Group offers financial planning and investment management for retirees, surviving and divorced partners. Heidi Hanson is a registered representative and financial adviser, of New England Securities Corp. (NES), a broker-dealer (member FINRA/SIPC) and a registered investment adviser. Hanson Financial Group is not affiliated with NES.

ames Horrocks has 15 years of experience helping individuals a n d comp a n i e s m e e t t h e i r financial goals by providing highly personalized service. Securities offered through LPL Financial. Member FINRA/SIPC.


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MAT THEW KEELING

Pegaesus Advisors Inc.

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Designation: CFP®

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roviding Cape Cod with independent financial advice for more than 15 years. Securities and Advisory Services Offered Through Commonwealth Financial Network, Member FINRA/ SIPC, A Registered Investment Advisor.

Winslow, Evans & Crocker, Inc.

175 Federal St. Boston, MA 02110 Phone: (617) 896-3573 [email protected] www.winslowevanscrocker.com

Wealth management; financial, estate and tax planning; risk management Sr. VP, CFP®, EA

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Pulitzer Prize finalist and George Polk Award winner in her former career at The Boston Globe, Dolores has as her client motto: “Educate, advocate, motivate!” Winslow, Evans & Crocker, Inc. Member FINRA/SIPC.


egaesus Advisors offers a uniquely flexible approach to manag ing our clients’ wealth. We clearly establish their goals and aspirations, then design a holistic financial plan to meet their needs.

JENNIFER LANE

Compass Planning Associates, Inc.

Boston, MA 02108 Phone: (617) 523-4666 www.compassplanning.com

Fee-only retirement, investment and financial planning CERTIFIED FINANCIAL PLANNER™

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ffering one-on-one, hands-on guidance customized to your particular needs and goals — a personal level of service, care and attention larger firms can’t provide.

RENÉE KWOK

30 Federal St. Boston, MA 02110 Office: (617) 210-6700 www.tfcfinancial.com

President, CFP®

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enée and her partners lead an independent, feeonly wealth management firm serving high-net-worth clients (>$2M portfolios). Renée provides objective, personalized financial advice to clients through life’s transitions.


Areas of Focus: Comprehensive Planning, Investment Mgmt., Risk Mgmt. and Insurance

759 Falmouth Rd. Mashpee, MA 02649 Phone: (508) 539-0900 [email protected]

DOLORES KONG

CHRISTINA LARSON

CAROLYN M. LAUNIE

TIMOTHY A. L E PAIN

2 Constitution Plaza, Fl. 1 Boston, MA 02129 Office: (617) 580-4138 Cell: (617) 592-8680

2 Summer St., Ste. 17 Natick, MA 01760 Office: (508) 655-6066 [email protected]

Larson Financial Planning, Inc.

Winchester, MA 01890 Office: (781) 729-1094 [email protected] www.LarsonFP.com

Financial Planning, Retirement, Wealth Management CFP®, RIA

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hristina has provided independent financial advice since 1992. Described as easy to talk to and a great listener, she has enjoyed creating strategies to help her clients achieve their unique financial goals.


CAROLYN HOWARD

237 Lexington St., Ste. 201 Woburn, MA 01801 Phone: (781) 938-9200 Phone: (781) 938-9250 [email protected]





Financial Advisor, CFP®, CRPC®

Financial Advisor, CLU®, ChFC®, MSM

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very client is unique; therefore, our planning and investment advice is tailored to address clients’ specific concerns.


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reas of focus: financial planning, ret irement planning and investment planning. Working with this financial advisor is not a guarantee of future financial success. Investors should conduct their own evaluation of a financial professional. Ameriprise Financial Services, Inc., Member FINRA and SIPC.



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SANDEEP MADHAVAN

ANTHONY J. MARINO

Ameriprise Financial

ameripriseadvisors.com/sandeep.x.madhavan

Investment and Estate Planning Financial Advisor, CFP®

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very client is unique; therefore, our planning and investment advice is tailored to address clients’ specific concerns and to ensure they feel more confident.

Designations: CLU®, ChFC®, FLMI

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i nce 1 9 8 5 , ou r f i r m has prov ided holist ic and innovative solutions for our clients’ important life goals. Tony Marino is a registered representative and financial adviser, of New England Securities Corp.(NES), a broker-dealer (member FINRA/SIPC) and a registered investment adviser. Marino Financial Advisors is not affiliated with NES.


Working with this financial advisor is not a guarantee of future financial success.Investors should conduct their own evaluation of a financial professional.Ameriprise Financial Services,Inc.,Member FINRA and SIPC.

1 Bridgeview Cir., Ste. 11 Tyngsborough, MA 01879 Office: (978) 649-2212 www.MarinoFA.com

SUSAN MILLER

Aurora Financial Advisors, LLC 180 Linden St., Ste. 8A Wellesley, MA 02482 Phone: (781) 239-9996 www.AuroraFA.com

CPA, CFP®, CDFA, MA (Econ) Fee-Only Wealth Mgmt., Financial Planning, Taxation and Financial Dispute Resolution

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u s a n M i l l e r, M a n a g i n g Pr i n c i p a l of Au ror a Financial Advisors, has more than 25 years of experience in wealth management, financial consulting and tax planning for high-net-worth individuals and families.

ROBERT A. MATSON


JAMES MCCUSKER

Robert A. Matson, CLU, ChFC

James McCusker & Associates

Designations: CLU®, ChFC®, AEP Retirement, Investment and Insurance Planning

Fee-only advisory firm specializing in financial planning, portfolio management and tax services

ith more than 26 years in the financial services industry, Bob has the experience to help you identify and prioritize the key financial issues in your life. Securities offered through LPL Financial. Member FINRA/SIPC.

im has been working with individuals and families for more than 20 years providing straightforward financial advice. His firm was founded on the notion that people benefit from a comprehensive approach to preserving and growing their wealth.

WILLIAM T. NOVELLINE, JR.

JOHN C. O’BRIEN

333 Orchard St. Millis, MA 02054 Office: (508) 376-2009 [email protected] www.lpl.com

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11 Summer St. Chelmsford, MA 01824 Phone: (978) 256-1323 [email protected] www.McCuskerAssociates.com

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2 Constitution Plaza, 1st Fl. Charlestown, MA 02129 Direct: (617) 580-4105 [email protected]





RICHARD B. MOOD

Richard Mood, CPA, MST 45 Lyman St., Ste. 12 Westborough, MA 01581 Phone: (508) 836-0194 Fax: (508) 836-0195 [email protected] www.moodcpa.com

Personalized financial plng., retirementestate-business-accounting, taxation

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lanting the seeds for growth and success! Richard provides personalized financial planning and advisory services in all areas of estate, accounting and tax. Rich is known for his wealth growth strategies for individuals and small businesses.


510 Turnpike St., Ste. 101 North Andover, MA 01845 Phone: (978) 688-9010 www.abbotfm.com

CFA

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ince 1983, Abbot Financial has been committed to providing our clients: Excellent client service and communication. Individually customized portfolio management. Focus on quality and diversification.

MetLife

200 West St. Waltham, MA 02451 Phone: (781) 672-2844 [email protected]

Areas of Focus: Financial Planning, Retirement Income Planning, Investment Mgmt. and Insurance CERTIFIED FINANCIAL PLANNER™

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ohn O’Brien, CFP®, will assist you in meeting your financial goals which require money and planning to achieve. Metropolitan Life Insurance Company (MLIC), New York, NY 10036. Securities and investment advisory services offered through MetLife Securities Inc. (MSI)(member FINRA/SIPC), a registered investment adviser, New York, NY 10036. MLIC and MSI are MetLife companies. L1210149170[exp1211][MA, NH, RI]


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ALEXANDRE M. OLIVEIRA

TONY J. PROC TOR

Northeast Planning Associates

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66 Central St. Wellesley, MA 02482 Phone: (781) 235-0405 www.ProctorFinancial.com

www.linkedin.com/in/bmrcapital

CERTIFIED FINANCIAL PLANNER™

Designation: CFA charterholder

lients come first — always. This philosophy has led Proctor Financial to help hundreds of clients and thousands of adult education students meet their financial goals since its founding in 1994. Clients first — always.

ernhard, founder of BMR Capital Advisors, provides c u s t o m i z e d i nv e s t m e n t management and financial planning solutions. With more than 15 years of global investment experience, he is an expert in asset allocation.

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lex’s firm is committed to helping individuals and institutions successfully navigate their way towards their financial goals through an objective and comprehensive investment management approach.

BMR Capital Advisors LLC

DANIEL ROMAINE

300 Crown Colony Dr. Quincy, MA 02169 Phone: (617) 471-6800 [email protected]

MICHAEL A. SCHREIBER

Michael A. Schreiber & Associates

10 Laurel Ave., Ste. 350 Wellesley Hills, MA 02481 Phone: (781) 239-1180

[email protected]

www.SchreiberAndAssociates.com

CLU, ChFC, CFP®

Personalized Asset Mgmt., Business and Individual Financial Planning

e l e b r a t i n g o u r 5 0 th year! Establishing goals, creating plans and implementing strategies.

ealth management is equal parts listening, understanding, and providing advice and focused strategies for your family’s everchanging circumstances.

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Securities and advisory services offered through Commonwealth Financial Network, Member, FINRA/ SIPC a registered investment adviser.

Chestnut Hill, MA 02467 Phone: (617) 232-5603 [email protected]

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196 Boston Ave., Ste. 2000 Medford, MA 02155 Phone: (781) 396-2600 [email protected]

CPA, MBA, MST

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or more than 30 years, Robert G. Rice, P.C. has been working with individuals and companies to help them become more successful. Our emphasis is always on our clients’ success and satisfaction.

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Michael A. Schreiber & Associates is a Registered Investment Advisor, and offers advisory services. Securities offered through LPL Financial, Member FINRA/SIPC. Michael A. Schreiber & Associates is not affiliated with LPL Financial.


Retirement and Investment Plng. Designation: CRPC®

ROBERT G. RICE


40 Crescent St. Waltham, MA 02453 Office: (781) 996-4480 [email protected] www.alexmoliveira.com

BERNHARD RADTKE

TINA SHERWOOD

Law Office of Tina L. Sherwood, LL.M.

6 Trevor Ln. Hopkinton, MA 01748 Phone: (617) 930-3533 [email protected]

Estate and Business Succession Planning and Taxation Attorney

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ealth, love and wealth and time to enjoy them. Tina Sherwood brings this perspective to her clients’ estate and business succession planning. Tina holds an LL.M. in Tax from Georgetown and studied law at Oxford.

JEFF SKERRY

Hays & Skerry

31 Milk St. Boston, MA 02109 Phone: (617) 423-5599 [email protected] www.hays-skerry.com

Trust Management; Business, Real Estate, Tax and Estate Law Designation: Attorney at Law

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or more than 25 years Jeff has been assisting businesses, individuals, families and trusts in achieving their financial and business goals. With extensive experience as an attorney and as a CPA, Jeff can provide solutions to your legal, tax and financial management challenges.


ce do Bu Cr sc nd B si es en o u s ne re ce do Bu in sc nd B si es en o us ne s ce do Bu in ss nd B si es S us ne s S er o do Bu in ss e r e Bu sin ss Se vic r e e s v S Bu in ss ic e SPECIAL ADVERTISING SECTION

MetLife Securities

10 State St. Newburyport, MA 01950 Phone: (978) 225-1553 Phone: (978) 270-7705 [email protected] www.ryansmith.metlife.com

2 Constitution Plaza, 1st Fl. Charlestown, MA 02129 Office: (617) 580-4180 [email protected]

Financial Plng., Retirement Income Designation: CFP®


ur team provides comprehensive financial solutions for families, non-profit institutions, and small businesses.

s a Financial Advisor, I work with my clients to design a personal financial plan based on their life goals.

Metropolitan Life Insurance Company (MLIC), New York, NY 10166. Securities and investment advisory services offered by MetLife Securities, Inc. (MSI) (FINRA/ SIPC), a registered investment advisor. MLIC and MSI are MetLife Companies.


MAT THEW F. TOSH

2 Constitution Plaza, 1st Fl. Charlestown, MA 02129 Office: (617) 580-4203 [email protected]


GRAHAM M. TOWER

Tower & Associates, a financial advisory practice of Ameriprise Financial Services, Inc.

65 Boston Post Rd., Ste. 210 Marlborough, MA 01752 Phone: (508) 229-7767

CRPC®, Financial Advisor

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strive to earn my clients’ trust and confidence as I work to help them plan for their goals.

SCOT T EDWARD THAXTON

CarrThaxton Financial Group 420 Bedford St. Lexington, MA 02420 Office: (781) 861-9700 [email protected] www.CarrThaxton.com

Holistic Financial Management Financial Planner, JD, CRPC®

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e actively listen to our clients, anticipate their needs and provide unparalleled service. We passionately deliver a quality client experience because we understand that our clients are bound to us only by choice. Securities offered through LPL Financial, Member FINRA/SIPC.


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JAMES H. SWALLOW

raham believes success should be measured not just by your financial well-being, but by how confident you feel.


GARY THIBEAULT

MetLife Financial Group of Massachusetts 1 Research Dr., Ste. 201C Westborough, MA 01581 Phone: (508) 898-3081 [email protected]

Financial Services Representative Areas of Focus: Retirement, Investment and Insurance Planning

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ar y w i l l help you ma ke informed decisions about issues that affect you and your family’s financial well-being.

Metropolitan Life Insurance Company (MLIC), New York, NY 10136. Securities products offered by MetLife Securities,Inc.(MSI) member FINRA/ SIPC, New York, NY 10136. MLIC and MSI are MetLife Companies. L1210147477[exp1211] [AZ,CT,FL,GA,HI,MA,NY,RI,VA,VT].


RYAN SMITH


WILLIAM T. WHIT TENBERG, JR.

JONATHAN WOLFF

Whittenberg Knudsen, LLP 401 Edgewater Pl., Ste. 140 Wakefield, MA 01880 Phone: (781) 246-3030 Fax: (781) 246-3050 www.WealthDesign.com “It’s not what you own, it’s what you value.”

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e offer professionalism without pretense. We serve our clients by better understanding their individual objectives, offering a level of legal service and client care that exceeds their expectations.

2310 Washington St., Ste. 400 Newton Lower Falls, MA 02462 Phone: (617) 581-6100 [email protected]

Wealth Mgmt., Retirement Planning

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ur in-house modeling, called Planned Income Strategies, Inc., illustrates how to manipulate your monthly retirement cash flows for life. Securities and advisory services offered through Commonwealth Financial Network, member FINRA/ SIPC, a registered investment adviser.