2012 Five Star Five Star 2012 Boston Wealth Managers

3MB Size 18 Downloads 213 Views

Special advertiSing Section FS 2 – Five Star award information: fivestarprofessional.com 2012 Five Star Wealth Managers Wishful thinking is not
© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

Five Star Wealth Managers

In a consumer study about dynamics between wealth managers and their clients, Five Star Professional polled wealth managers and consumers about communications. Both groups said that connecting three to four times a year is the right communications strategy, but expectations are not aligned in all areas:

are financial advisors, financial planners, investment advisors, tax advisors and estate planning attorneys.

• 2 9 percent of consumers want to be contacted by their wealth manager whenever events require an update; only 7 percent of wealth managers say they contact clients based on the impact of events.

Boston magazine and Five Star Professional partnered to find wealth managers who satisfy 10 objective eligibility and evaluation criteria that are associated with wealth managers who provide quality services to their clients. Among many distinguishing attributes, the average oneyear client retention rate for this year ’s award winners is more than 93 percent.

• 63 percent of consumers say they receive the right amount of communication from their wealth manager. From research conducted by Five Star Professional, April 2011.

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

How do you find a wealth manager with experience, who has a good base of clients with high retention rates, and who has undergone a regulatory and complaint review? And when you find them, are they accepting new clients?

Don’t listen to other people. Investigate for yourself. Be wary of advisers who say they never had a down year.” — Five Star Wealth Manager

A Select Award

The 2012 Five Star Wealth Managers are a select group, representing less than 2 percent of the wealth managers in the Boston area.(1)

Although this list is 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 excellent wealth managers who, for one reason or another, are not on this year’s list.

Award

In order to consider a broad population of high-quality wealth managers, award candidates are identified by one of three sources: firm nomination, peer nomination or pre-qualification based on industry standing. Self-nominations are not accepted. Boston award candidates were identified using internal and external research data, including a survey to more than 13,300 registered financial services professionals and all identified financial service companies in the area that are registered with FINRA or the SEC.

Candidates

FS 1 – Five Star award information: fivestarprofessional.com

2012 Five Star Wealth Managers

2012 Boston

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

2012 Five Star Wealth Managers

Determination

Of Award Winners

Award candidates who satisfied 10 objective eligibility and evaluation criteria that are associated with wealth managers who provide quality services were named 2012 Five Star Wealth Managers.(2)

Eligibility Criteria – Required(3)

2012

1. C redentialed as an investment advisory representative (IAR), a FINRA-registered representative, a CPA or a licensed attorney. 2. Actively employed as a credentialed professional in the financial services industry for a minimum of five years. 3. Favorable regulatory and complaint history review.(4) 4. Fulfilled their firm review based on internal firm standards. 5. Accepting new clients. Evaluation Criteria – Considered(3)

6. One-year client retention rate (the average one-year client retention rate of this year’s award winners is more than 93 percent).

The Five Star award goes to less than 7 percent of wealth managers.

7. Five-year client retention rate.

8. Non-institutional discretionary and/or non-discretionary client assets administered (this year’s award winners administer an average of $90 million in client assets).

9. Number of client households served (on average, this year’s award winners serve 178 households).

10. Education and professional designations.

Research Disclosures

• W  ealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers.

• The Five Star award is not indicative of the wealth manager’s future performance.

Insights from Five Star Wealth Managers Wishful thinking is not planning. If you plan for the worst, you will never be unpleasantly surprised.”

• 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 Five Star Professional and 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 Five Star Professional in the future.

• F ive Star Professional is not an advisory firm, and the content of this article should not be considered financial advice. For more information on the Five Star award and the research/ selection methodology, go to www.fivestarprofessional.com. • (1) 2,591 award candidates in the Boston area were considered for the Five Star Wealth Manager award. 452 (approximately 17 percent of the award candidates) were named 2012 Five Star Wealth Managers. The 452 award winners represent less than 3 percent of the total wealth managers in the area.

(2) (3) (4)

Wealth managers were required to certify that any information they provided was accurate. Criteria 4, 8 and 9 do not apply to attorneys or CPAs. As defined by Five Star Professional, the wealth manager has not: • Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine. • Had more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or Five Star Professional’s consumer complaint process. • Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority. • Filed for personal bankruptcy. • Been convicted of a felony.

Clients don’t care how much you know until they know how much you care.”

Only invest in something that you understand.”

What matters most is how you recover from setbacks.”

Five Star Professional conducts a regulatory review of each nominated wealth manager using the Investment Adviser Public Disclosure (IAPD) website. Five Star Professional also uses multiple supporting processes to help ensure that a favorable regulatory and complaint history exists. Data submitted through these processes was applied per the above criteria:

• Each wealth manager who passes the Five Star Professional regulatory review must attest that they meet the definition of favorable regulatory history, based upon the criteria listed above. • Five Star Professional promotes via local advertising the opportunity for consumers to confidentially submit complaints regarding a wealth manager. • Five Star Professional contacted approximately 1 in 12 households identified as having a high propensity to use the services of wealth managers in order to provide consumers the opportunity to submit complaints regarding a wealth manager. More than 50,300 households in the Boston area were contacted.

The Five Star Wealth Manager selection criteria was updated for the 2012 award year. 2005 – 2011 Five Star Wealth Managers scored highest in overall satisfaction based on feedback from clients, peers and industry experts. No more than 7 percent of wealth managers receive the award each year. The selection process for the 2005 – 2011 award winners can be found at www.fivestarprofessional.com/2011/wealth_managers_research_overview.php.

FS 2 – Five Star award information: fivestarprofessional.com

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

Business Planning

David Keefe III · NYLife

Brad Bestgen · Bestgen Financial

David Lipshutz · Seege Lipshutz & Wilchins

Paul Frechette · Batchelor Frechette McCrory Michael & Company

Bernard Loughran · Loughran & Corbett

Allen Margulis · Total Counsel Law Group

Stephen Napier · Baystate Financial Services

Howard Mandelcorn · Hutchings Barsamian Mandelcorn Zeytoonian

Kevin Schneider · The Bulfinch Group Page 26

Michael Martell · Michael A. Martell, Attorney at Law

Estate Planning

Suzann Ordile · Law Offices of Suzann Ordile

Julia Abbott · Orsi Arone Rothenberg Iannuzzi & Turner Robert Allen · Allen & Hollander

Robert Arone · Orsi Arone Rothenberg Iannuzzi & Turner Anna Bastian · Attorney-at-Law

Christopher Battersby · Atlantic Planning Group Jeffrey Brown · Brown & Knight Steven Carr · Pabian & Russell

Andrew Christensen · Law Offices of Harry C. Christensen

Leiha Macauley · Day Pitney

Iris Schnitzer · Law Office of Iris Taymore Schnitzer Tina Sherwood · Law Office of Tina L. Sherwood Page 43 Scott Squillace · Squillace & Associates

Deborah Stephenson · Deborah M. Stephenson William Whittenberg · Whittenberg Knudsen David Wolicki · Law Offices of David P. Wolicki

Byron Woodman · Woodman & Eaton Page 44

Financial Planning

Harry Christensen · Law Offices of Harry C. Christensen

Dean Agelopoulos · Ameriprise Financial Services, Inc.

Thomas Clougherty · United Senior Advisors

William Almond · Morgan Stanley Smith Barney Page 12

Leo Cushing · Cushing & Dolan

Richard Dailey · Dailey & Associates

Roberto Di Marco · Walker & Di Marco

John Dunnell · Russell Plummer & Rutherford Barbara Epstein · Scheier & Katin

Charles Evangelakos · Sagemark Private Wealth Services David Feakes · Feakes Associates

S. Robert Fish, Jr. · Lander & Lander

Judith Flynn · Elder Law Office of Judith M. Flynn Christopher Fraga · Fraga Wealth Management Group Page 28 John Glovsky · Glovsky & Glovsky

Donald Greenough · Law Office of Donald M. Greenough

Marc Altenhoff · Ameriprise Financial Services, Inc. Page 41 Angelo Anello · Tailored Wealth Management Page 34

Stuart Armstrong · Centinel Financial Group Page 9

Regina Ballinger · Ballinger Financial Services Constance Barber · Capitol Financial Advisors Page 15

William Beaudoin · Integrated Financial Partners Page 18

Joshua Benet · Harvest Wealth Management

George Bernet · Centinel Financial Group Page 9 Jesse Bessett · ChartHouse Capital

Spencer Betts · Bickling Financial Services

Robert Holdway · Fiduciary Trust Company

James Beville · Coastal Capital Group

Lawrence Hunt · Partridge Snow & Hahn

Alan Bolotin · Baystate Financial Services Page 13

Joseph Imbriani · Taylor Ganson & Perrin Page 36

Bob Brandt · Bob Brandt & Associates/ Ameriprise Financial Services, Inc. Page 26

Michael Broad · Law & Financial Planning

Michael Broderick · Atlantic Planning Group

Charles Brown · Capitol Financial Advisors Page 15 Brian Callery · 1017 Financial Group

Stephen Camarro · Baystate Financial Services

Clifford Caplan · Neponset Valley Financial Partners Page 34 Daniel Cappucci · SFP Wealth

Page 16

Thomas Cappucci · SFP Wealth

Page 16

Nicholas Carlin · Ameriprise Financial Services, Inc.

David Carpenter · Carpenter Associates

Matthew Carron · Heritage Financial Services Christopher Cavallaro · Integrated Financial Partners Vincent Cavallo · Ameriprise Financial Services, Inc. Beverly Chapman · Values Financial Counseling

Stephen Coffey · Ameriprise Financial Services, Inc. Page 29

Dallas Coffman · Whitman Financial Services William Condon · Commonwealth Planning Group Christopher Connolly · Capital Analysts of New England Louis Conrad II · Compass Wealth Management Page 35 Ron Cooper · NYLife

Jefferson Correia · Ameriprise Financial Services, Inc.

Gerald Curtis · Morgan Stanley Smith Barney William D’Agostino · Ameriprise Financial Services, Inc. Marcie D’Aleo · RBC Wealth Management

Herbert Daroff · Baystate Financial Services Page 24 Jeremy David · Eastern Bank

Lee Dean · Dean Financial Group

Page 42

Robert Deutsch · Ameriprise Financial Services, Inc.

Peter Donohoe · PRW Wealth Management

FS 3 – Five Star award information: fivestarprofessional.com

2012 Five Star Wealth Managers

Five Star Wealth Managers. Award winners listed by primary services and listed alphabetically by last name.

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

2012 Five Star Wealth Managers

Five Star Wealth Managers. Award winners listed by primary services and listed alphabetically by last name.

Patrick Donovan · Credit Suisse

Beata Dragovics · Ameriprise Financial Services, Inc.

Myles Dudley · Pinnacle Private Wealth Page 21

Bruce Ehrlich · Ameriprise Financial Services, Inc. Michael Enright · Baystate Financial Services Page 42

Jerald Facey · Baystate Financial Services Gregory Farland · The Farland Group

Lee Ann Fatalo · Baystate Financial Services Kevin Fauteux · Eagle Strategies

Thomas Feenan · Feenan Financial Group Page 35 Mark Feigenbaum · Winchester Financial Group

Stephen Feinberg · Morgan Stanley Smith Barney

Mark Felt · Ameriprise Financial Services, Inc.

Andre Fernandes · Weston Financial Group Page 25 Joseph Ferrara · AXA Advisors

Avi Finder · Ameriprise Financial Services, Inc.

Ryan Forness · Forness & Forness/Ameriprise Financial Services, Inc.

Kelly Fox · Ameriprise Financial Services, Inc. Paul Fragala · Ameriprise Financial Services, Inc. Page 35

Neville Frankel · Financial Strategy Associates Marc Freedman · Freedman Financial

Douglas Gage · Ameriprise Financial Services, Inc. Page 29

Peter Gaines · Integrated Financial Partners Page 18 Christopher Gallagher · Ameriprise Financial Services, Inc. Page 42

Daniel Galli · Daniel J. Galli & Associates

Edward Galvin · Morgan Stanley Smith Barney Paul Games · Pathfinder Financial Group

John Germain · RBC Wealth Management Howard Gerrin · Integrated Financial Partners Page 18 Marion Gilman · Freedman Financial

Ellen Ginsberg · Harbor Asset Planning

FS 4 – Five Star award information: fivestarprofessional.com

Robert Glovsky · Mintz Levin Financial Advisors

Deborah Goodman · Goodman Advisory Group

John LeBlanc · Modera Wealth Management Timothy LePain · Ameriprise Financial Services, Inc. Page 37

Steven Goodman · Goodman Advisory Group

Daniel Leveroni · Leveroni Financial Management Corporation

Matthew Gorham · LPL Financial

Dana Levit · Paragon Financial Advisors

Barnet Goverman · Financial Solutions Associates

Craig Lewis · Morgan Stanley Smith Barney Page 23

Daniel Gracy · Ameriprise Financial Services, Inc.

Boris Lokshin · Wellesley Financial Group

Richard Greenwood · Horizon Financial Services Joseph Grella · American Retirement & Investment Strategies

Joseph Gresci · Erwin Gresci Krasco & Prue Financial Group Page 35 Josephine Grillo · Ameriprise Financial Services, Inc.

Richard Hagopian · Ameriprise Financial Services, Inc.

Heidi Hanson · Hanson Financial Group Page 42 Benjamin Harding · NYLife

Craig Harsfield · Ameriprise Financial Services, Inc.

Elliot Herman · PRW Wealth Management

Brian Hill · Capital Analysts of New England

Eileen Holzman · Centinel Financial Group Page 9 Jason Horwitz · Integrated Financial Partners Page 18 Carolyn Howard · Pegaesus Advisors Norman Howarth · NGH Financial

Melissa Indelicato · Ameriprise Financial Services, Inc. Page 29 Alan Ioffredo · ALENA Wealth John Irving · MetLife

Philip Jameson · GW & Wade

Robert Jarras · Ameriprise Financial Services, Inc. Todd Kobelski · Merrill Lynch

Michael LaBrie · Compass Point Retirement Planning Page 10 Paul Lamb · Ameriprise Financial Services, Inc. Christina Larson · Larson Financial Planning Page 42

Judith Ludwig · Braver Wealth Management Page 14 Christopher Lund · Lund Financial Group

Peter Magni · Wellesley Financial Group & Insurance Agency Deborah Maloy · Maloy Financial Services Marioleni Mandelis · ALENA Wealth Robert Matson · Robert A. Matson Page 43 Ross Mayer · MML Investors

Brendan McCarthy · McCarthy Financial Paul McCarthy · Merrill Lynch

Thomas McCarthy · KAF Financial Advisors Melinda McGinn · Morgan Stanley Smith Barney Drew McMorrow · Ballentine Partners

Joseph McNamara · Morgan Stanley Smith Barney

Paul Meaney · Integrated Financial Partners Page 18 Maureen Meehan · The MNE Group Page 37

Michael Meehan · Meehan Financial Services Page 30 Theresa Meehan · Meehan Financial Services Page 30

Gregg Miles · Miles Logue Financial Group Page 38 CJ Millett · Commonwealth Planning Group Peter Mitrano · Mintz Levin Financial Advisors

Gino Molettieri · Baystate Financial Services Page 38 James Morris · Financial Management Associates John Murray · GW & Wade

John Nadworny · Shepherd Financial Partners

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

Michel Scheinmann · Wellesley Financial Group

Matthew Tosh · Ameriprise Financial Services, Inc.

Kristin Nordahl · The MNE Group Page 38

Michael Schreiber · Michael A. Schreiber & Associates Page 43

Jason Traino · Morgan Stanley Smith Barney

Daniel O’Brien · State Street Wealthcare Advisors

Johanna Schulman · Ameriprise Financial Services, Inc.

Nathan O’Loughlin · Ameriprise Financial Services, Inc.

Joseph Shadduck · Blue Hills Wealth Management Page 39

Erik Olson · Olson Financial Group

Richard Shakter · Financial Compass Group Page 40

John Olson · Olson Financial Group

Thomas Ouellette · Ouellette Wealth Management Group Page 38 Robert Pajak · Robert F. Pajak

Cole Parlin · Ameriprise Financial Services, Inc. Thomas Pavlovich · Ameriprise Financial Services, Inc.

Martha Payne · Baystate Financial Services Page 24

Mary Perkins · Ameriprise Financial Services, Inc. Gary Peters · Wellesley Financial Group Sal Petralia · LPL Financial

Page 43

Ruth Petty · Centinel Financial Group Page 9

Stephen Piotte · Constellation Financial & Wealth Management Services Page 22 Gerry Polcari · GW & Wade

David Poulin · Morgan Stanley Smith Barney Daniel Rabatsky · Morgan Stanley Smith Barney

Ira Rapaport · New England Private Wealth Advisors Page 20 Mark Rizzo · KGR Financial Resources

Gerard Robinson · Capital Analysts of New England Page 39 Ruven Rodriguez · Morgan Stanley Smith Barney

John Rogers · Morgan Stanley Smith Barney Leo Rotman · NYLife

Adam Sachs · Centinel Financial Group Page 9

George Saideh · Centinel Financial Group Page 9 Mary Ann Saurino · Ameriprise Financial Services, Inc. James Scally · Heritage Financial Services

Barbara Shapiro · HMS Financial Group Page 43

Louise Sharp · Sharp & Linhart Financial Strategies Page 43 Philip Sher · The Sher Wealth Management Group

Robert Sherr · Sherr Financial Associates Page 40

John Tritle · Ameriprise Financial Services, Inc.

Justin Turcotte · Lightship Wealth Strategies

John Ulwick · Integrated Financial Partners Page 18

Rich Van Loan · Ameriprise Financial Services, Inc. David Walsh · Cornerstone Financial Group

Andrew Ward · Baystate Financial Services Page 24 Richard Webber · AXA Advisors

Fredric Weldon · Polaris Advisors

Jeffrey White · Wingate Financial Group

Ronald Siggens · Boston Hill Advisors

Jeremy White · Integrated Financial Partners Page 18

Robin Silver Grace · Morgan Stanley Smith Barney

Kevin Williams · RBC Wealth Management

Mark Singer · Safe Harbor Retirement Planning

Jason Skolnick · First National Corporation Ronald Smith · Integrated Financial Partners Page 18 Ryan Smith · MetLife

Mark Soukup · Oppenheimer & Company Page 40 Maria Staffiere · Weston Financial Group Page 25 Jonathan Stearns · Stearns Wealth Management

Joseph Stone · MSW Financial Partners

Paul Stubbs · Morgan Stanley Smith Barney Todd Sturman · Tilton Sturman Financial

James Swallow · Ameriprise Financial Services, Inc. Robert Tafuri · Boston Standard Wealth Management

Richard Tartarini · Tartarini Financial Services Alan Temkin · Temkin Financial Group/ MetLife

Daniel Wilson · Ameriprise Financial Services, Inc. Page 29

Andrea Winterer · E3 Wealth Management Lis Zimmerman · O’Brien Management

Insurance

Richard Belofsky · The Bulfinch Group Page 26

Christopher Fulton · Centinel Financial Group Page 9 Charles Murphy · The Murphy Insurance Group

Investments

Harvey Albert · RBC Wealth Management Kevin Alcaro · LPL Financial

Brian Allsop · Bank of Canton

Page 41

Alicia Andre · Silver Bridge Advisors Page 41 Francis Bailey · Merrill Lynch

David Basile · Janney Montgomery Scott Chad Battaglia · Merrill Lynch

Charles Bean · Heritage Financial Services

Paul M. Teixeira · Teixeira Financial Group Page 32

Richard Bergeron · MCB Financial Services Page 41

Scott Thaxton · CarrThaxton Financial Group Page 27

Chad Besegai · Wells Fargo Advisors, LLC Page 34

Nathaniel Tilton · Tilton Sturman Financial

FS 5 – Five Star award information: fivestarprofessional.com

2012 Five Star Wealth Managers

Five Star Wealth Managers. Award winners listed by primary services and listed alphabetically by last name.

Carolyn Launie Nolan · Ameriprise Financial Services, Inc. Page 43

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

2012 Five Star Wealth Managers

Five Star Wealth Managers. Award winners listed by primary services and listed alphabetically by last name.

John Biebel · Wingate Financial Group

John DeSimone · Oakmont Partners

Matthew Biggar · Weston Financial Group Page 25

Peter Disch · Disch & Associates

Kevin Hawkinson · Oppenheimer & Company Page 36

Edward Heald · Wells Fargo Advisors, LLC

Robert Bodio, Jr. · GW & Wade

Dennis Doble · Doble LeBranti Financial Group

John Bratschi · Seaward Management

Brian Doherty · Doherty Financial Strategies

Darwin Heath · Seacrest Wealth Management

Debra Brede · D.K. Brede Investment Management Company

David Duchesneau · Argent Wealth Management

Ronald Hertel · Wells Fargo Advisors, LLC

Thomas Brennecke · Timber Creek Capital Management Page 32

Francois Ducroux · Winslow Evans & Crocker

Sandra Bromfield · Bromfield Financial Advisory Group

William Brooks · Capital Guardian Wealth Management

Georgia Bruggeman · Meridian Financial Advisors Page 34

Peter Burbank · Wells Fargo Advisors, LLC Page 27

Richard Burton · Burton Financial/Cantella & Company

Thomas Cahill · Beaumont Financial Partners Thomas Capachietti · Merrill Lynch

Peter Caplan · Caplan Asset Management

Robert Carlson · Janney Montgomery Scott

Bart Carr · CarrThaxton Financial Group Page 27 David Caruso · Coastal Capital Group

William Eaton · TEG Partners/Detwiler Fenton Investment Management

Michael Edwards · Boston Hill Advisors

Eugene Ellison · Commonwealth Financial Network

Lawrence Eppolito · Wells Fargo Advisors, LLC Page 17 Stephen Faberman · Integrated Financial Partners

Scott Fabyan · Morgan Stanley Smith Barney Jamie Fagan · J.P. Morgan Chase

Gary Ferreira · Merrill Lynch

Eugene Clapp · Penobscot Investment Management Company

Leon Fridmar · Merrill Lynch

Audrey Daum · Oppenheimer & Company Alexander Davis · Morgan Stanley Smith Barney Paul Davis · Marble Harbor Investment Counsel

Derek DeGrass · Morgan Stanley Smith Barney

FS 6 – Five Star award information: fivestarprofessional.com

Jay Irving · LPL Financial

Page 36

David Javaheri · Morgan Stanley Smith Barney Stephen Johnson · Charles Schwab & Company

Joshua Jones · Kobren Insight Management

Susan Karsch · Merrill Lynch

Sean Flynn · Commonwealth Financial Network

Susan Dahl · Bainco International Investors

Jonathan Hoy · Middlesex Financial Group

Jeffrey Karelis · KSP Financial Consultants

Christopher Chouinard · Bay Financial Associates

Allan Crudale · Merrill Lynch

Stephen Howlett · Morgan Stanley Smith Barney Page 42

Joseph Ferrante · Morgan Stanley Smith Barney

Kevin Flaherty · RBC Wealth Management

Daniel Cotton · Pinnacle Private Wealth Page 21

Scott Holden · Centinel Financial Group Page 9

Paul Fehrenbach, Jr. · Merrill Lynch

Kirk Chisholm · NUA Advisors

Lisette Cooper · Athena Capital Advisors

Colin Hoehn · Merrill Lynch

Arthur Karabelas · Merrill Lynch

Noah Caruso · Morgan Stanley Smith Barney

John Cogswell · Baystate Financial Services

Ronald Hill · Baystate Financial Services

Kerry Falco · Weston Financial Group Page 25

Scott Finlay · Wells Fargo Advisors, LLC Page 28

David Clayman · Morgan Stanley Smith Barney

Guy Heald · Wells Fargo Advisors, LLC

Peter Frisch · Wells Fargo Advisors, LLC Gracio Garcia · The Bulfinch Group Page 26 Stephen Geremia · Ashwood Advisors

Judith Giarrusso · RBC Wealth Management

Andrew Karelis · KSP Financial Consultants

William Keeney · Merrill Lynch

Timothy Kelley · The Murphy Financial Group Elizabeth Kesselman · Adviser Investments Beth Rosenberg King · Wells Fargo Advisors, LLC Page 36

Jordan King · Morgan Stanley Smith Barney Michael Klonsky · Praesidium Wealth Management Page 42

Dolores Kong · Winslow Evans & Crocker Brian Konish · Wells Fargo Advisors, LLC

John Koulopoulos · Wells Fargo Advisors, LLC Page 29

Anthony Giordano · RBC Wealth Management

Renee Kwok · TFC Financial Management Page 42

Michael Glor · GW & Wade

Matthew Langis · Infinex Investments

Robert Graff · Morgan Stanley Smith Barney

Richard LeBranti · Doble LeBranti Financial Group

William Graham · First Republic Bank

Jill Greenberg · Financial Strategy Associates Jessica Guo · Merrill Lynch

Erik Hacker · Capital Analysts of New England Kimball Halsey · Radius Capital Management

Steven Levitsky · Edward Jones

Geoffrey Loynd · Loynd Capital Management Brian MacKinnon · Morgan Stanley Smith Barney

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

Kevin Manning · Morgan Stanley Smith Barney Anthony Marino · Marino Financial Advisors Page 37 David Matias · Vodia Capital

Douglas Mavilia · Lightship Wealth Strategies Edward McAuliffe · Merrill Lynch

Thomas McFarland · The Darrow Company Page 37 Gary McGovern · Raymond James & Associates

Lee McGowan · Monument Financial Advisors Christopher McIntyre · Green Harbor Financial

James McKenna · Janney Montgomery Scott Gregory McLaughlin · Centinel Financial Group Page 9 Terrence McMahon · Morgan Stanley Smith Barney Patrick McNamara · Morgan Stanley Smith Barney Brian McNeil · Merrill Lynch

Gary Mikula · Birch Hill Investment Advisors Cristen Moore · Wells Fargo Advisors, LLC Deborah Moses · Eaton Vance

Page 19

Leonard Nolan · Morgan Stanley Smith Barney Page 30 Darren Norton · GW & Wade

William Novelline, Jr. · Abbot Financial Management

John O’Connor III · Morgan Stanley Smith Barney

Mark Podolsky · Financial Solutions Associates Kristine Porcaro · Lexington Wealth Management

Edward Porter · KSP Financial Consultants Tony Proctor · Proctor Financial

Tom Rapko · Morgan Stanley Smith Barney Robyn Redfield · Graystone Consulting

Thomas E. Reilly, Jr. · Birch Hill Investment Advisors

Charlie Roberts · New England Investment & Retirement Group Leo Robinson · Morgan Stanley Smith Barney Page 31

Paul Roche · Morgan Stanley Smith Barney Page 39

Daniel Romano · Gray Equity Management Page 43 Dave Rumrill · Morgan Stanley Smith Barney William Ryan · Ryan Financial Advisors Ira Sager · Merrill Lynch

Leah Sciabarrasi · Crestwood Advisors

Brad Sharp · Braver Wealth Management Page 14 Alan Siegel · Alan Siegel Financial Services Robert Slattery · Capital Guardian Wealth Management

Matthew Sliwa · KSP Financial Consultants Thurman Smith · Equity Fund Research

Eric Sneider · Bromfield Financial Advisory Group Marvin Sneider · Cantella & Company Darin Souza · Credit Suisse

Stephen Spector · Wells Fargo Advisors, LLC

Ronald Sugameli · Weston Financial Group Page 25 Andrew Sullivan · Wayside Wealth Management

Jonathan Sweet · Oakleaf Wealth Management Elisabeth Talbot · The Colony Group

James Taylor · TSB Securities Group Page 41

Robert Taylor · RBC Wealth Management Andrew Thompson · Charles Schwab & Company Ted Tiger · Tiger Investment Services

Pran Tiku · Peak Financial Management

David Tobias · Morgan Stanley Smith Barney

David Tomasetti · Tomasetti Investment Group Joseph Trainor · Boston Hill Advisors

Daniel Traub · Tempo Financial Advisors

Jamie Upson · Wealth Management Group Steven Violin · F.L. Putnam Investment Management Page 33 Jon Wakely · PW Global Advisors

James Walsh · Morgan Stanley Smith Barney Stuart Weier, Jr. · Weier Financial

Terry Wells · Wells Financial Advisors Page 33

Peter Wernau · Wernau Asset Management Trey Whalley · MetLife

Page 44

Thomas Williams · ChartHouse Capital Susan Wilson · Merrill Lynch

Jonathan Wolff · Lightship Wealth Strategies Page 44 Erica Zhen · Merrill Lynch

John Olohan · Moors & Cabot

John Spooner · Morgan Stanley Smith Barney

Taxation

Robert Panessiti · Morgan Stanley Smith Barney Page 39

Chitra Staley · TPW Financial

Kenneth Drooks · Shuman & Epstein

Dianne Steen · Morgan Stanley Smith Barney

Joseph Sardonini, Jr. · Joseph M. Sardonini, Jr., CPA

Andrew Parvey · Merrill Lynch

Duke Pascucci · Morgan Stanley Smith Barney

Martin Stocklan · Merrill Lynch

Mark Paylor · MJ Paylor & Associates

Kevin Stoddard · Stoddard Financial Page 31

Francis Perfetuo · Merrill Lynch

Brian Strachan · Morgan Stanley Smith Barney

Todd Peters · Adviser Investments

Jonathan Straus · Commons Capital Advisors Page 40

Janell Phillips · Boston Financial Management

John Varao · The Tax Consultants

Trust Services

Lawrence Cohen · Nixon Peabody

Charles Platt · Fiduciary Trust Company

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.

FS 7 – Five Star award information: fivestarprofessional.com

2012 Five Star Wealth Managers

Five Star Wealth Managers. Award winners listed by primary services and listed alphabetically by last name.

Brian Mahoney · Morgan Stanley Smith Barney

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

2012 Five Star Wealth Managers

Centinel Financial Group

Left to right: Front row: Earle Pitt and Mark Sullivan with the Centinel 2012 Five Star award winners

FS 8 – Five Star award information: fivestarprofessional.com

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

Tw W o-Y in ea ne r r

2012 Five Star Wealth Managers

2012 winner George A. Bernet CFP®, CMFC®, CRPC®, CLTC

2012 winner Gregory J. McLaughlin MS, CFP®

Two-year winner Ruth R. Petty MSFS, ChFC®

Two-year winner Christopher F. Fulton

Three-year winner Scott W. Holden

Three-year winner Adam M. Sachs CFP®, CLU®, ChFC®, CLTC

2012 winner George “Skip” Saideh ChFC®

2012 winner Eileen F. Holzman ChFC®, CLTC

Tw W o-Y in ea ne r r

Three-year winner Stuart H. Armstrong II CFP®, CLU®, ChFC®, CLTC

Relationships | Integrity | Clarity | Trust • Personalized wealth and portfolio management • Lifetime income strategies

• An independent organization — we work for you

Areas of Focus: Wealth Accumulation and Protection, Comprehensive Financial Planning, Estate Conservation Strategies

For more than 40 years, individuals, families and businesses have chosen to work with Centinel Financial Group for the relationships and trust that we build. What this means is that our dedicated advisory team will share a process that will help you realize your intentions and maximize your opportunities. The real benefit of working with our firm is the clarity, confidence and capability you will feel in your financial security and in helping protect what matters to you most.

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

www.centinelfinancialgroup.com • YouTube Channel: CentinelTV

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. Signator Investors, Inc. provides fee-based advisory accounts and fee-based financial planning, and only qualified representatives enrolled in the Signator Investors, Inc. Corporate Registered Investment Advisor Program may offer these advisory products and services. 501-20111215-89065.

FS 9 – Five Star award information: fivestarprofessional.com

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

2012 Five Star Wealth Managers

Compass Point Retirement Planning Group

2012 Five Star award winner Michael LaBrie and his partners Tom Nee and Marty Plecinoga

FS 10 – Five Star award information: fivestarprofessional.com

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

2012 Five Star Wealth Managers

Lifetime Planning • Lifetime Resource • Lifetime Income Guidance • Will our money last throughout our lifetime?

• How do we earn enough without taking more risk than necessary?

• How do we create a reliable income stream from what we have saved?

When you become a client at Compass Point Retirement Planning, Inc., you are establishing a lifelong relationship with a firm that will help you answer these important questions. The team of specialists at Compass Point make it their professional mission to help you create the highest level of income security possible. They work to help you maintain your respect and dignity through all the financial challenges that a long and enjoyable retirement can bring. Your team handles all aspects of planning, investment management and income distribution, so you don’t have to. You maintain ownership and control of your assets, but we do all the work to help you avoid the issues that have tripped up so many people.

If you are approaching retirement or are recently retired, call us or drop us an email, then come in for a cup of coffee or tea with one of our experienced and independent advisors. See what it is that we already do for more than 500 client families. We promise no pressure and no obligation. We’ll invest the time … you decide if we are a fit.

Compass Point Retirement Planning, Inc. 500 Edgewater Drive, Suite 565 • Wakefield, MA 01880 Main: (800) 246-1433 • Fax: (781) 246-2482 [email protected] • www.cprp.com

Securities and advisory services offered through National Planning Corporation (NPC), member FINRA/SIPC, a Registered Investment Adviser. Additional Advisory services offered through Compass Point Retirement Planning, Inc., a Registered Investment Adviser. Compass Point Retirement Planning, Inc. and NPC are separate and unrelated companies.

FS 11 – Five Star award information: fivestarprofessional.com

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

2012 Five Star Wealth Managers

William W. Almond

Building Lasting Relationships Beyond the Sale

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

Left to right: Three-year winner William Almond and Micah Kurtz

Bill knows his clients. He knows their hopes and dreams; their passions and their fears. He’s acquired this knowledge the same way he has earned their trust — by listening. It’s helped Bill empower his clients to make intentional financial decisions based on an organized, coordinated and integrated model. Bill is well versed in advanced case strategies, and offers innovative solutions for his clients to help combat the eroding effect of taxes, inflation, fees and expenses. Bill provides his

clients with a full range of financial resources, strategies and products, from life, disability and long-term care insurance, to investments and retirement planning, as well as education cost preparation and estate conservation strategies. With an appropriate strategy paired with a carefully selected product mix, Bill guides his clients through each stage of the financial process. Once a strategy is fully implemented, the relationship continues with regular updates and reviews.

28 State Street, 26th Floor • Boston, MA 02109 Office: (617) 570-9487 • Cell: (617) 594-2354 [email protected]

©2012 Morgan Stanley Smith Barney LLC. Member SIPC. Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Smith Barney Financial Advisors or Private Wealth Advisors do not provide tax or legal advice.

FS 12 – Five Star award information: fivestarprofessional.com

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

2012 Five Star Wealth Managers

Alan C. Bolotin

Creating Strategies for Business Owners, Families and Individuals

Comprehensive, Fee-Based Financial Planning

• A comprehensive, personalized approach to wealth management • State-of-the-art, web-based planning tools to consolidate financial information • Specializing in the financial needs of business owners and physicians

Titles: Financial Planner, Registered Representative Designations: CLU®, ChFC®, AEP®

Alan has spent the past 18 years focused on building longterm relationships with his clients while assisting them in achieving their financial goals. In spite of the complexities of the financial world, his approach is straightforward: he asks insightful questions to learn the details of each person’s current financial situation, the circumstances and decisions that led there — and where they’d like to go. Alan and his team

collaborate in the analysis of each component of each client’s financial picture in order to create efficient and coherent recommendations and options to be considered. In return, clients receive a personalized implementation strategy and monitoring of their financial progress on an ongoing basis. Alan’s clients describe him as objective, knowledgeable and, most importantly, trustworthy and caring.

Baystate Financial Services

301 Edgewater Place, Suite 200 • Wakefield, MA 01880 Office: (781) 876-4101 [email protected] • www.abolotin.com

Securities and investment advisory services offered through New England Securities, Corp.(NES)(member FINRA/SIPC), a registered investment advisor. Baystate Financial Services is not affiliated with NES. L1211228767[exp0113][MA].

FS 13 – Five Star award information: fivestarprofessional.com

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

2012 Five Star Wealth Managers

Braver Wealth Management Team Act, Preserve and Protect

Areas of Focus: Investment Management and Financial Planning

Left to right: Two-year winner Bob Lepson, Mary Hoey, Dave D’Amico, Debbie Levenson, three-year winner Brad Sharp, Charlie Toole

• 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

Titles/Designations: Bob Lepson, CFP®; Mary Hoey, CFP®; Dave D’Amico, CFA®; Debbie Levenson, CFP®, MBA; Brad Sharp, CFP®; Charlie Toole, CFA®, CFP®; Judy Ludwig, CPA®, PFS, CFP®; Joe Ludwig Braver 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 commonsense 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.

Left to right: Three-year winner Judy Ludwig and Joe Ludwig

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.

FS 14 – Five Star award information: fivestarprofessional.com

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

2012 Five Star Wealth Managers

Capitol Financial Advisors Independent Investment Advice for More Than 25 Years

Areas of Focus: Investment Advisory Services, Estate Plans and Retirement Income Strategies

Left to right: Seated: Three-year winners Charles Brown and Constance Barber Standing: Mary Ellen Fillo, Jeffrey Brudner, Hunter Luke, Matthew Piaker and Lisa Cremonini

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

Designations: AIF®, CFP®, ChFC®, CLU®, EA, JD, MA, MBA, MST

We 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 Wellesley: (781) 237-5205 • Toll-free: (800) 471-7526 • Beverly: (978) 927-3123 www.capitolfinancialadvisors.com Securities and Advisory Services offered through Commonwealth Financial Network, Member FINRA/SIPC. Capitol Financial Advisors is a Registered Investment Advisor.

FS 15 – Five Star award information: fivestarprofessional.com

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

2012 Five Star Wealth Managers

Thomas A. Cappucci and Daniel J. Cappucci Financial Strategies for Small Businesses and Successful Families

Retirement, Business Succession and Wealth Management Strategies

Left to right: Three-year winners Daniel J. Cappucci and Thomas A. Cappucci; Andrew C. Cleary

• Comprehensive approach to financial planning with cutting-edge technology • Innovative strategies for business owners and executives • Team built around the client experience and face-to-face interaction

Titles: Financial Planners, Registered Representatives, New England Securities Designations: CERTIFIED FINANCIAL PLANNER™ practitioners

With 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 Daniel J. Cappucci, CFP®, Andrew C. Cleary, CFP® and other associates, SFP Wealth is a thriving team of professionals

who share a passion for long-lasting client relationships. As a Baystate Financial Services Firm, SFP Wealth combines their common-sense economic principles with world-class resources to create opportunities across a broad spectrum of financial planning topics.

Wellesley, MA 02481 • Boston, MA 02116 • Wakefield, MA 01880 Wellesley: (781) 239-2000 • Boston: (617) 585-4500 [email protected][email protected] • www.sfpwealth.com

Thomas and Daniel Cappucci offer securities & investment advisory services through New England Securities (NES)(FINRA/SIPC) a registered investment advisor. Neither Baystate Financial Services nor SFP Wealth are affiliated with NES. Branch Address 100 William St., Ste. 300, Wellesley, MA 02481. Andrew Cleary is a financial representative. L1211228048[exp1212][MA].

FS 16 – Five Star award information: fivestarprofessional.com

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

Custom Wealth and

Risk Management Strategies

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

Larry Eppolito, Managing Director – Investment Officer, CFP®, MBA

Three-year winner Larry Eppolito and his family

Larry Eppolito, Managing Director – Investment Officer at Wells Fargo Advisors, LLC, has been providing clients with honest, concise and relevant advice for more than 27 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 may have more time to attend to other important issues of their lives. He is dedicated to simplifying his clients’ financial lives and

helping to reduce the anxiety often associated with the investment planning process.

Larry works seamlessly with attorneys and tax professionals to develop strategies to help pursue 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, LLC One Meeting House Road • Chelmsford, MA 01824 Office: (978) 250-0003 • Toll-free: (800) 964-1003 [email protected] • www.wfadvisors.com/larry.eppolito

Advisor selection is not reflective of individual client satisfaction or future performance. Please see the introduction section for important information on the scope of the award and the Five Star selection process. Wells Fargo Advisors Financial Network, LLC, Member SIPC, is a registered broker-dealer and separate non-bank affiliate of Wells Fargo & Company. [CAR 1211-2876 12/21/11].

FS 17 – Five Star award information: fivestarprofessional.com

2012 Five Star Wealth Managers

Larry Eppolito

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

IFP, Inc. Congratulates Their Five Star Award Winners

Tw W o-Y in ea ne r r

2012 Five Star Wealth Managers

Integrated Financial Partners

Left to right: Seated: 2012 winners John Ulwick, Paul Meaney; Standing: Two-year winner Ron Smith, 2012 winners Peter Gaines, William Beaudoin, Jason Horwitz; two-year winners Jeremy White and Howard Gerrin

We specialize in estate and financial planning, insurance and investment strategies to help meet clients’ unique needs.

• IFP uses a team approach to wealth management, distribution and transfer needs for clients

You receive advice from your CPA, attorney, stockbroker and friends. Who is coordinating your financial affairs? An experienced planner can review all aspects of your financial plan to see if your goals are being met.

information on vital financial matters that affect you and your family.

Our team of independent planners can help clients implement financial solutions to address the individual needs uncovered At IFP, our planners will work with your other professional during the financial planning process. From working with your advisors to help determine the adequacy of your current plan. CPA on tax-savings strategies to assisting your attorney with Using our Financial Second Opinion™ program, we will provide your estate planning needs, Integrated Financial Partners is you with an assessment to give you updated and concise proud of our commitment to provide superior client service.

300 Fifth Avenue • Waltham, MA 02451 Phone: (781) 890-3045 [email protected]

Registered associates of Integrated Financial Partners, Inc. are registered representatives of Lincoln Financial Advisors Corp. Integrated Financial Partners, Inc. is not an affiliate of Lincoln Financial Advisors. 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. Supervisory office: 115 Glastonbury Blvd., Glastonbury, CT 06033. Phone: 860-734-0400. CRN201112-2062428.

FS 18 – Five Star award information: fivestarprofessional.com

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

Combining the Resources and Stability With Personalized Service

• An individualized approach to clients and their families • Investment management across a broad range of asset classes and strategies • A long history of independence, integrity and stability

Services Include: Separate Account Investment Management, Retirement Planning, Trust and Estate Planning, Family Office Services Designations: Chartered Financial Analyst®, Chartered Investment Counselor With 30 years of experience in the investment industry, Debbie has established a reputation for providing long-term investment management for her clients and their families built on a foundation of integrity, expertise and continuity of service. Working with a team of experts, Debbie also provides guidance on a range of issues such as estate planning, risk management, lifetime income and family office services. With a history dating back to 1924, Eaton Vance Investment

Counsel is one of the oldest investment management firms in the United States. The firm is recognized for its reputation for providing long-term, multigenerational investment services with an uncompromising commitment to professionalism and excellence. A history of responsible stewardship of client assets and our record of investment performance make Eaton Vance Investment Counsel an excellent choice for discerning investors.

Eaton Vance Investment Counsel Two International Place • Boston, MA 02110 Phone: (617) 672-8700 www.eatonvancecounsel.com

Investing entails risks, and there can be no assurance that Eaton Vance Investment Counsel will achieve profits or avoid incurring losses. Past performance is no guarantee of future results.

FS 19 – Five Star award information: fivestarprofessional.com

2012 Five Star Wealth Managers

Deborah W. Moses

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

2012 Five Star Wealth Managers

New England Private Wealth Team

Independent Wealth Advisor Building Relationships on Knowledge, Trust and Integrity

Left to right: Caitlin McCabe, Arik Schechet, Melissa Boccaci, Jennifer Votano, three-year winner Ira Rapaport, Sara Sokolowski, Matt MacLachlan, Kristy Hergrueter

• Fee-only, personalized and comprehensive wealth mgmt. with more than $650 million under advisement • Delivering objective, unbiased, communicative and highly customized services • Integrated and flexible process involving your existing advisors (CPA, attorney, insurance)

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 New 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

FS 20 – Five Star award information: fivestarprofessional.com

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

Invest With Purpose

Left to right: Paul McNulty, Jim Lister, Five Star award winner Daniel Cotton, Five Star award winner Myles Dudley, Matt Delaney, Erick DeCastro

• Comprehensive wealth planning for families and businesses • Tax efficient investment platforms focused on minimizing risk • Innovative strategies with a collaborative approach

Areas of Focus: Wealth Management, Asset Management, Financial Planning, Risk Management

At Pinnacle Private Wealth, our collaborative approach to design customized wealth strategies is paramount in guiding you to invest with purpose. We pride ourselves on investing client assets with the most amount of certainty and the least amount of risk. In this dynamic environment, it is not enough

to just design a thorough, customized financial plan. You can rely on our firm to continually update and monitor your plan while providing ongoing guidance and advice designed to help grow and protect your wealth. We are committed to providing you with an exceptional client experience.

100 Trade Center, Suite 600 • Woburn, MA 01801 Office: (781) 932-4855 [email protected] • www.pinnacleprivatewealth.com

Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC.

FS 21 – Five Star award information: fivestarprofessional.com

2012 Five Star Wealth Managers

Pinnacle Private Wealth Advisors

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

2012 Five Star Wealth Managers

Stephen Piotte

We Review Your Numbers, Without Ever Treating You Like One®

Left to right: Faith E. Piotte, three-year winner Stephen P. Piotte, Kate A. Groom and Cindy J. Maille

• Custom financial plans to meet your specific needs • Your income taxes prepared by concerned individuals • Personalized attention from experienced professionals

Titles: Financial Advisors and Income Tax Preparation Designation: Enrolled Agent

Constellation Financial & Wealth Management Services understands that, throughout your lifetime, you will make important decisions that can affect you and also your loved ones. Our firm specializes in advising you while you make these important decisions. Our wealth management team can offer you a comprehensive analysis of your financial picture, including your investments, retirement, college, estate and tax planning to ensure you are on track to deliver on vital promises

to both yourself and those most important to you. Our tax team can help you be certain that you receive the maximum refund allowed by law and help alleviate the stress and anxiety that goes with filing your taxes each year.

Constellation Financial has served the community for more than 20 years with trusted advice, personalized attention and customized solutions.

179 Great Road, Suite 210 • Acton, MA 01720 Office: (978) 266-1930 • Fax: (978) 635-9862 [email protected] • www.CFWMS.com Securities offered through 1st Global Capital Corp. Member FINRA, SIPC. Investment Advisory Services offered through 1st Global Advisors, Inc.

FS 22 – Five Star award information: fivestarprofessional.com

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

Expertise, Dedication and Experience to Help Secure Your Future

Areas of Focus: Financial Planning, Wealth Management, Business and Executive Services

Left to right: James Fitzpatrick, Robert Ryan, Lissa Stuart, three-year winner Craig Lewis and Adrian Wong

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

Financial Advisors: Craig Lewis, Corporate Client Group Director; Robert Ryan, CFP®, CIMA®; Adrian Wong Senior Registered Associate: Lissa Stuart; Registered Associate: James Fitzpatrick I am honored to have been selected for the Five Star Professional award three years running. Engaging in a business life cycle, we provide a standard that combines analytics with execution to help construct financial solutions to businesses while also considering personal wealth objectives. Key areas of focus are: Growing enterprise value; maximizing retirement benefits; protecting the value of the enterprise; planning for a succession, sale or merger; and family planning.

In our complex financial world, our team focuses on a timetested approach utilizing investment policy statements, asset allocations, asset rebalancing, investment portfolios and noncorrelating 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] • www.morganstanley.com/fa/therglgroup © 2012 Morgan Stanley Smith Barney LLC. Member SIPC.

FS 23 – Five Star award information: fivestarprofessional.com

2012 Five Star Wealth Managers

RGL Group at Morgan Stanley Smith Barney

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

2012 Five Star Wealth Managers

Andrew Ward • Martha Payne • Herb Daroff A New Vision for the Financial Planning Industry

Fee based financial planning for families and business owners

Left to right: Caitlin Desoye, Five Star award winners Andrew Ward, Martha Payne and Herb Daroff

• We provide you with the confidence and ability to realize your vision • Clients choose us because of our leadership, creativity and resourcefulness • We minimize challenges to help you and your family attain a prosperous life

Titles: Director of Financial Planning, Senior Financial Planners, Estate and Business Planning Designations Including: JD, CERTIFIED FINANCIAL PLANNER™, Registered Representatives

Imagine your financial advisor, planner or representative What would this mean to you personally, professionally and working with you as a partner and educator rather than through financially? selling products, big industry words, charts and graphs. This vision starts with you and your desire to plan. Then, your advisor, planner or representative makes such a significant, life-changing impact that they become an influential player in your life; they help you see a compelling vision.

Baystate Financial Services

200 Clarendon Street, 19th Floor • Boston, MA 02116 Office: (617) 585-4500 • www.financialfuture.co [email protected][email protected][email protected]

Martha Payne, Andrew Ward and Herbert Daroff are Registered Representatives and Senior Financial Planners with New England Securities. Securities products and investment advisory services through New England Securities (NES) a broker-dealer, member (FINRA/SIPC) and registered investment advisor.

FS 24 – Five Star award information: fivestarprofessional.com

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

2012 Five Star Wealth Managers

Weston Financial Group Helping You Realize the Life You Want to Live

Areas of Focus: Strategic Financial Planning, Asset Management, Income Tax and Estate Planning

Left to right: Three-year winner Ron Sugameli, Jim Scanlan, three-year winner Maria Staffiere, two-year winner Matt Biggar, Susan Arnold, 2010 winner Drew Bottaro, 2012 winners Andre Fernandes and Kerry Falco

• Comprehensive wealth management services for high-net-worth individuals and families • Experienced team of professionals with multidisciplinary expertise • Exceptional levels of client service for more than 30 years

At Weston Financial, we are focused on life-centered financial planning. We believe the most important questions in life are not about money; they are about life. What gives your life meaning? What are your goals and aspirations? Your biggest concerns? Helping clients answer these questions is our passion. Because when we truly understand your life dreams, we can design a

financial architecture that will make them possible.

For more than 30 years, Weston Financial has helped high-networth individuals and families connect their wealth to their goals and interests while providing an exceptional level of personalized service. We welcome the opportunity to help you realize the life you want to live.

Wellesley Office Park, 100 William Street, Suite 200 • Wellesley, MA 02481 Office: (781) 235-7055 • Fax: (781) 235-1905 [email protected][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.

FS 25 – Five Star award information: fivestarprofessional.com

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

2012 Five Star Wealth Managers

Bob Brandt

Financial Advice Aligned With Your Values

• Tune in to human financial behavior

• Make better decisions with your money • Prepare for the certainty of uncertainty

Titles: Financial Advisor, Business Financial Advisor Designation: CFP®

It’s only human to have emotions about money — behavioral finance offers the tools to get back in control. As a financial advisor trained in behavioral finance, I’ve embraced the insights of this exciting field. I can help you avoid pitfalls, identify your values and create a financial plan that supports what you care about most. Then, I will adjust your plan as life or the economy changes. I invite you to explore this approach to financial planning and asset management.

Bob Brandt & Associates, a financial advisory practice of Ameriprise Financial Services, Inc. 7 Prince Place, Suite 202 • Newburyport, MA 01950 Office: (978) 358-8158 • [email protected] www.ameripriseadvisors.com/robert.a.brandt

Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. 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.

The Bulfinch Group

Helping to Build and Preserve Wealth

• Uncommon strategies that work

Tw W o-Y in ea ne r r

• Better educated clients

• Access to unmatched skills and experience Five Star Wealth Managers

Left to right: 2012 winners Kevin S. Schneider and Gracio Garcia, and two-year winner Richard Belofsky

Founded in 1994, The Bulfinch Group is a comprehensive financial services firm providing insurance and financial services to individuals, families and business owners. Our team of professionals has decades of experience in every dimension of financial services, providing the protection and planning strategies necessary to help build and preserve wealth.

140 Kendrick Street, Building C-1 East Needham, MA 02494 Phone: (781) 449-4402

www.bulfinchgroup.com

Registered Representatives and Financial Advisors of Park Avenue Securities LLC ( PAS), 140 Kendrick Street, Building C-1 East, Needham, MA 02494, (781) 449-4402. Securities products/services and advisory services are offered through PAS, a registered broker-dealer and investment advisor. Financial Representatives, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect, wholly owned subsidiary of Guardian. The Bulfinch Group, Inc. is not licensed to sell insurance. PAS is a member FINRA, SIPC. 2011-13248.

FS 26 – Five Star award information: fivestarprofessional.com

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

Dedicated to Our Clients

• Provide excellent service and advice

• Advice based on your needs and values • Valued long-term relationships Managing Director – Investments

Left to right: Five Star award winner Peter Burbank and Peter Burbank, Jr.

The Burbank team has created a legacy that spans three generations and more than 70 years of combined experience in financial services. We are fully committed to helping our clients accumulate, manage and protect their wealth, now and for future generations. Our team is personally dedicated to superior client service that is consistent and predictable.

The Burbank Financial Consulting Group of Wells Fargo Advisors, LLC 20 William Street, Suite 300 Wellesley, MA 02481 Phone: (781) 416-1400 [email protected]

Advisor selection is not reflective of individual client satisfaction or future performance. Please see the introduction section for important information on the scope of the award and the Five Star selection process. Wells Fargo Advisors, LLC, Member SIPC. [CAR 1211-3436A 12/11].

CarrThaxton Financial Group

Holistic Financial Management

• Concierge-level of client service

• Honest, unbiased financial advice • Proactive asset management

Left to right: 2012 winner Bart F. Carr and three-year winner Scott E. Thaxton

Title: LPL Financial Planner Designations: CFP®, JD, CRPC®

Your financial well-being is our deepest concern. Our mission is to improve your quality of life through holistic financial management. To do this, we actively listen to your concerns, anticipate your needs and provide outstanding client service.

Our team has a deep appreciation for the hard work and determination it took you to earn your wealth. We would be honored to help you develop a holistic strategy to advance and protect your financial well-being.

420 Bedford Street, Suite 330 Lexington, MA 02420 Office: (781) 861-9700

[email protected][email protected] www.carrthaxton.com

Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor Member FINRA/SIPC.

FS 27 – Five Star award information: fivestarprofessional.com

2012 Five Star Wealth Managers

Peter Burbank

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

2012 Five Star Wealth Managers

The Finlay Group of Wells Fargo Advisors

• Thoroughly understanding client needs • Providing sound, objective advice

• Delivering exceptional client service

Left to right: Paul Roy IV, three-year winner Scott Finlay, Lauren Solomon, Ann McCarthy Hackney

Scott Finlay brings an educated perspective to the investment process, one based on more than 30 years of experience through changing market cycles and risk environments. Backed by the resources of Wells Fargo Advisors, we access one of the nation’s largest and most comprehensive investment platforms. Our team’s professional experience supports successful, long-standing relationships — and is designed to give clients confidence in advice they can trust.

Scott Finlay, Managing Director – Investments Wealth Management Since 1981

The Finlay Group Wells Fargo Advisors

Two International Place, 20th Floor Boston, MA 02110

Phone: (617) 330-2703 • Toll-free: (800) 643-8069 scott.fi[email protected] www.finlay-group.com

Advisor selection is not reflective of individual client satisfaction or future performance. Please see the introduction section for important information on the scope of the award and the Five Star selection process. Wells Fargo Advisors, LLC, Member SIPC. [CAR 0112-0260 01/4/12].

Fraga Wealth Management Group Securing Your Future

• More than 75 years of collective experience • Focused on long-term client relationships • Strict and disciplined processes

Three-year winner Christopher Fraga

In 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. We provide our clients with intelligent guidance in the creation, implementation and monitoring of practical, prudent, efficient and coordinated retirement income strategies, financial and estate plans, and investment management services. Christopher Fraga was also named in Rhode Island Monthly and Gulfshore Life. We have helped others plan wisely … let us help you.

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

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

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.

FS 28 – Five Star award information: fivestarprofessional.com

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

Customized Personal Service

• Many solutions for high-net-worth clients • Client-focused, competent guidance

• More than 45 years of collective experience

Private Wealth Advisors: Daniel. T Wilson, CFP®, ChFC®, CLU®; Douglas B. Gage, ChFC®, CLU® Financial Advisors: Melissa J. Indelicato, CFP®, ChFC®, CMFC®, CLTC; Stephen J. Coffey, CFP®, CRPC®, CLTC

Left to right: 2012 winners Stephen J. Coffey and Melissa J. Indelicato, three-year winners Daniel T. Wilson and Douglas B. Gage

The advisors of Gage & Wilson, a financial advisory practice of Ameriprise Financial Services, Inc., pride themselves on providing excellent advice and outstanding service to clients. Simplifying the finances of busy people through on-going 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 the advisors 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

450 Lexington Street, Suite 202 Auburndale, MA 02466 • Phone: (617) 500-4225

www.ameripriseadvisors.com/team/gage-and-wilson

Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. 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.

John M. Koulopoulos

Trusted Advice • Exceptional Service

• Personalized wealth management strategies

• Knowledgeable, experienced team of professionals

Tw W o-Y in ea ne r r

• Dedicated to superior customer service

Left to right: Steven T. Currie, William L. Swett, two-year winner John M. Koulopoulos and Courtney Brock

Our mission is to build lifelong, multigeneration client relationships through a foundation of trust and confidence. Our values are 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.

Areas of Focus: Wealth Management, Retirement and Income Planning Designations: Senior Vice President, Certified Investment Management Consultant

91 Longwater Circle, Suite 300 Norwell, MA 02061

Office: (781) 792-0111 • Toll-free: (800) 543-8010 [email protected] home.wellsfargoadvisors.com/john.koulopoulos

Advisor selection is not reflective of individual client satisfaction or future performance. Please see the introduction section for important information on the scope of the award and the Five Star selection process. Wells Fargo Advisors, LLC, Member SIPC. [CAR 1111-4545 11/11].

FS 29 – Five Star award information: fivestarprofessional.com

2012 Five Star Wealth Managers

Douglas Gage • Daniel Wilson Melissa Indelicato • Stephen Coffey

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

2012 Five Star Wealth Managers

Meehan Financial Services Group

Independent and Trusted Investment Advice With 60 Years of Experience

• Integrity and wisdom during uncertain times • Long-term client relationships • Proactive management

Left to right: 2012 winner Michael T. Meehan and three-year winner Theresa Meehan

We work with goal-oriented, affluent clients in or approaching retirement who have multiple wealth management needs. We help clients through the phases of their financial lives, from wealth accumulation to sustainable income and wealth transfer. What sets us apart is that we care deeply about our clients and the trust they have placed in us. It is our privilege to help provide our clients with financial peace of mind.

Meehan Financial Services, LLC

One Cranberry Hill, Suite 302 Lexington, MA 02421 Phone: (781) 676-2972 • Phone: (781) 676-2070 [email protected] [email protected] www.meehanfinancialservices.com

Securities offered through 1st Global Capital Corp., Member FINRA/SIPC. Investment advisory services offered through 1st Global Advisors, Inc.

The Nolan Group at Morgan Stanley Smith Barney Wealth Management and Preservation

• Retirement income planning strategies

• Family wealth preservation and transfer • Personally tailored investments

Left to right: Lizzy Malin, Timothy J. Nolan, three-year winner Leonard F. Nolan

Five Star recipient Leonard F. Nolan, of The Nolan Group, works with nonprofits, business owners, corporate executives and their families on wealth management and financial planning strategies. They guide their clients through all phases of the wealth planning cycle. Most of their clients have the same concerns: accumulating wealth, protecting family, managing income during retirement and asset transfer. They use the resources and intellectual capital of Morgan Stanley Smith Barney to help clients achieve their goals.

Leonard F. Nolan, Sr. Vice President, Financial Advisor, CDFA™; Timothy J. Nolan, Vice President, Senior Consultant – ICS, Wealth Advisor, CIMA®; Lizzy Malin, Registered Client Service Associate

High Street Tower, 125 High Street, 24th Floor Boston, MA 02110 Office: (617) 478-6404 • Toll-free: (800) 829-9199 [email protected][email protected] www.morganstanley.com/fa/thenolangroup

© 2012 Morgan Stanley Smith Barney LLC. Member SIPC. Tax Laws are complex and subject to change. Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors do not provide tax or legal advice. This material was not intended or written to be used for the purpose of avoiding tax penalties that may be imposed on the taxpayer. Individuals are urged to consult their personal tax or legal advisor to understand the tax and related consequences of any actions or investments described herein.

FS 30 – Five Star award information: fivestarprofessional.com

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

Comprehensive Wealth Management

• Individualized, client-focused approach • Extensive depth of resources

Tw W o-Y in ea ne r r

• Experience navigating difficult financial markets

Providing customized wealth management and investment guidance with a strong focus on understanding clients’ objectives. I provide an integrated approach, helping individuals, families and businesses in all aspects of financial planning. Typical clients have accumulated wealth and are at a point in their lives that they need a comprehensive plan that considers their financial, retirement and business decisions as well as a team that has the resources and experience to help preserve and grow their wealth. Five Star award winner in 2010 and 2012.

Leo Robinson, Financial Advisor, Senior Portfolio Manager Areas of Focus: Wealth Management; Retirement Income and Distribution Planning; Succession, Sale and Business Strategies

600 Longwater Drive, Suite 202 • Norwell, MA 02061 Phone: (781) 681-4903 • Toll-free: (800) 326-5951

[email protected] • Follow me @LeoRobinsonMSSB www.morganstanley.com/fa/leo.robinson

© 2012 Morgan Stanley Smith Barney LLC. Member SIPC.

Kevin Stoddard Confidence in Retirement

• Committed to professionalism

• Integrated tax and estate planning • Local service makes the difference President and Registered Principal

Left to right: Anne Esperian, Five Star award winner Kevin Stoddard, Brian Vinagro

Kevin Stoddard, CFA®, together with Brian Vinagro, CFP®, helps clients throughout New England identify, plan and execute strategies for securing their desired financial future. Their planning process begins by helping clients maximize their corporate benefits to leverage their potential retirement income. They help clients transition income sources with tax efficiency and manage assets to suit client risk preferences. They coordinate with your tax and estate planning pros.

Chartered Financial Analyst®

234 Copeland Street, Suite 220 Quincy, MA 02169 Toll-free: (800) 519-5992 • Office: (617) 481-5097 confi[email protected]financial.net www.confidenceinretirement.com

Securities and advisory services offered through National Planning Corporation(NPC), Member FINRA/SIPC, a Registered Investment Adviser. Stoddard Financial, LLC and NPC are separate and unrelated companies.

FS 31 – Five Star award information: fivestarprofessional.com

2012 Five Star Wealth Managers

Leo Robinson

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

2012 Five Star Wealth Managers

Teixeira Financial Group A Comprehensive Approach to a Complex Financial Market

• Alternative wealth management strategies • Estate planning solutions

Tw W o-Y in ea ne r r

• Retirement planning/income strategies

Left to right: Two-year winner Paul M. Teixeira and Ryan M. Teixeira

Portfolio performance and wealth preservation is foremost in the minds of today’s investors. In a complex, changing global economy, investors are confronted with a new generation of financial challenges. With more than 30 years of investment experience, we invite you to join us for a complimentary portfolio review and analysis. Experience why many have chosen our services.

Solid research and innovative solutions are “the cornerstones of our firm.”

Teixeira Financial Group

228 County Street • Attleboro, MA 02703 750 East Avenue • Pawtucket, RI 02860 Office: (888) 757-8042

[email protected] teixeirafinancial.com

Paul Teixeira is a registered representative offering securities and advisory services through Lincoln Financial Securities Corp. Ryan Teixeira is a registered representative offering securities through Lincoln Financial Securities Corp. Member SIPC. Teixeira Financial Group and Lincoln Financial Securities Corp. are not affiliated.

Timber Creek Capital Management Team Fully Invested in Relationships

• Forbes-ranked Top 50 Up and Comers • A passion for investing

• Independent, sound judgment

Left to right: Will Brennecke, Five Star award winner Tom Brennecke, Fran Paolucci

Timber Creek Capital Management is an owner-managed investment advisory firm. We are dedicated to preserving and enhancing the capital of our clients, primarily individuals, families and trusts. Our relationships are built on a foundation of integrity and trust. We bring independence, perspective, expertise and personal attention to achieving our clients’ goals.

FS 32 – Five Star award information: fivestarprofessional.com

Timber Creek Capital Management 44 School Street Boston, MA 02108 Phone: (617) 722-0855 www.TimberCreek-Capital.com

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

Senior Vice President

• Customized portfolios • Personalized service

• Socially responsible investing

Left to right: Robert Taylor, Five Star award winner Steven Violin; Andrew Wetzel

Mr. Violin received his A.B. with honors in mathematical economics from Colgate University and holds a M.S. in investment management from Boston University’s Graduate School of Management, where he graduated with high honors as valedictorian of his class. Mr. Violin is also a CFA® charterholder, a member of the CFA Institute and the Boston Security Analysts Society. He manages portfolios for private and institutional clients in the firm’s Wellesley office.

Steven Violin, CFA, SVP and Portfolio Manager Andrew Wetzel, CFA, VP, Research Analyst Robert Taylor, CFA, Research Analyst

20 William Street, Suite G-40 Wellesley, MA 02481 Office: (800) 344-3435

[email protected]flputnam.com • www.flputnam.com

F.L.Putnam Investment Management Company is a registered investment advisor, located in Wellesley, MA; Portsmouth, NH; and Portland, Maine. F.L.Putnam may only transact business in those states in which it is registered, or qualifies for an exception or exclusion from registration requirements.

Wells Financial Advisors Creating a Strategy for Financial Success

• Comprehensive wealth management • Personalized retirement planning • Trusted and independent advice

Areas of Focus: Wealth Management, Retirement Planning

Three-year winner Terry B. Wells

Wells Financial Advisors helps manage your wealth by providing a comprehensive financial plan based on your individual aspirations and needs. By getting to know you and developing a lasting relationship, we are able to provide a highly personalized level of service to enable you to achieve your financial goals. A tradition of excellence, Terry has more than 20 years of experience providing independent, objective financial advice to individuals and families in New England.

Designations: CFP®, ChFC®, CLU®

The Meadows,161 Worcester Road, Suite 205 Framingham, MA 01701 Phone: (508) 655-9303 [email protected] www.wellsfainc.com

Securities offered through Triad Advisors, Inc., Member FINRA/SIPC. Advisory services offered through Wells Financial Advisors, Inc. Wells Financial Advisors is not affiliated with Triad Advisors.

FS 33 – Five Star award information: fivestarprofessional.com

2012 Five Star Wealth Managers

Steven N. Violin

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

75 Second Ave., Ste. 605 Needham, MA 02494 Toll-free: (800) 833-9281 Office: (617) 658-1988

1 Boston Pl., Ste. 3520 Boston, MA 02108 Office: (617) 723-3200

[email protected]

TailoredWealthManagement.com

Custom-Tailored Portfolios

Tw W o-Y in ea ne r r

Chad Besegai

www.wfadvisors.com/chad.besegai

Fully Invested in Your Success

• Holistic approach to wealth management • Comprehensive, unbiased financial advice • Superior client service and communication

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

Senior Partner, Lead Investment Manager

Focus: Financial Advisory Services; Retirement and Income Planning

Chartered Retirement Plan Specialist

Titles/Designations: Financial Advisor, MBA, CERTIFIED FINANCIAL PLANNER™

SM

Whether you are searching for assistance with an IRA for yourself, or a 401(k) or defined benefit pension plan for your business, Tailored Wealth Management can help. As our company name suggests, we will work with you to determine the best fit and tailor a plan with your specific goals in mind. Our team of experienced advisors will develop, implement and monitor a plan for your unique circumstances and financial objectives for your life stage and needs. Securities and Advisory services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC.

As a Financial Advisor and CERTIFIED FINANCIAL PLANNER™ practicioner, 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. Advisor selection is not reflective of individual client satisfaction or future performance. Please see the introduction section for important information on the scope of the award and the Five Star selection process. Wells Fargo Advisors, LLC, Member SIPC. [CAR 1211-3340 12/11].

Georgia Bruggeman

Clifford Caplan

Meridian Financial Advisors, LLC 13 Water St., Ste. 204 Holliston, MA 01746

Phone: (508) 429-2600

[email protected]financial.net www.meridianfinancial.net

Financial Peace of Mind

Tw W o-Y in ea ne r r

2012 Five Star Wealth Managers

Angelo F. Anello

1408 Providence Hwy. Norwood, MA 02062 Office: (781) 762-6200 www.nvfp.com

Integrity • Diligence • Experience

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

• Retirement accumulation and income strategies • Wealth preservation • Tax planning

Portfolio Management, Comprehensive Wealth Management

Areas of Focus: Retirement strategies, wealth preservation

Designations: CFP®, MBA, Registered Investment Advisor

Designations: CFP®, AIF®, MBA

MFA 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, long-term care, education funding and reduce emotional decision making. Your success is our No. 1 priority. Stocks, bonds, preferreds, ETFs and no-load funds.

There is no substitute for experience. For 33 years, Cliff has successfully managed assets through a myriad of challenging economic times. Through it all, he has provided a steady hand that applies both proven and innovative strategies in an effort to mitigate risk. During this period of great uncertainty, the guiding hand of a time-tested advisor is critical to help achieve financial goals.

Recognized Fiduciary. Memberships: CFA Institute, NAPFA, MD Preferred Financial Network, FPA, Advisor Background Check.

Securities and Advisory Services Offered Through Commonwealth Financial Network, Member FINRA/SIPC. A Registered Investment Advisor.

FS 34 – Five Star award information: fivestarprofessional.com

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

Thomas G. Feenan

National Planning Corp. 234 Copeland St. Quincy, MA 02169

P.O. Box 250 Lexington, MA 02420 Phone: (781) 862-7030 Cell: (978) 828-5681 [email protected] www.compassinvest.com

Expert Advice — Superior Service

Office: (617) 773-1040 Toll-free: (888) 471-1040

[email protected] www.feenanfinancial.com

Financial • Tax • Insurance Service

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

• Pre-post retirement planning • Tax planning • Insurance planning

Titles: Founder/President – Former Mutual Fund Manager

Title: OSJ Manager

Designations: CFA®, MBA

Designations: RFC®, CPCU, EA, ATA

Your 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.

With the uncertainty and conflicts of interest in Washington and Wall Street, you may benefit from the guiding hand of an independent financial advisor.

Securities and Financial Services Offered through National Planning Corp., Member SIPC.

Paul Fragala

Joseph L. Gresci

76 Main St. Andover, MA 01810 Office: (978) 474-9900 [email protected] www.paulfragala.com

200 Unicorn Park Woburn, MA 01801 Direct: (781) 932-9118 Office: (781) 569-6002 [email protected]financial.com www.egkpfinancial.com

Invested in Your Financial Future

Providing Unbiased Financial Advice

• Dedicated to enriching the lives of others • Committed to an exceptional client experience • Comprehensive financial planning

• Expertise in key retirement-age issues • Almost 20 years of planning experience • Client-focused and unbiased advice

Title/Designations: Private Wealth Advisor, CFP®, CIMA®

Senior Financial Advisor CFP®, MBA, CRPC®

Since 1994, Paul Fragala & Associates has been helping individuals and families transform their financial goals into reality. Paul and his team listen to you and then develop a comprehensive financial plan, based on your needs and goals, to meet your long-term financial security. Paul's team is committed to providing exceptional client service and maintaining long-lasting client relationships. Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. 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.

To develop a financial strategy for a client, I first get to know the client and their financial goals. I understand that it is more than just a numbers game. It is all about the client and what is most appropriate and important to the client. I develop a strategy that is client specific and focused on helping the client achieve their financial dreams, whether it's a carefree retirement, preserving their estate, or funding college for their children or grandchildren. Securities and Advisory Services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Advisor.

FS 35 – Five Star award information: fivestarprofessional.com

2012 Five Star Wealth Managers

Louis E. Conrad II

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

2012 Five Star Wealth Managers

Kevin Hawkinson

Joseph G. Imbriani

Taylor, Ganson & Perrin, LLP

One Federal St., 22nd Fl. Boston, MA 02482 Direct: (617) 428-5523 Toll-free: (800) 828-6726 [email protected] www.opco.com

Holistic Approach to Wealth Management

160 Federal St., 20th Fl. Boston, MA 02110

Office: (617) 951-2777 Direct: (617) 772-0423

[email protected] www.taylorganson.com

Tax and Estate Planning Attorney

• Experience • Integrity • Client focus

• Income, gift and GST tax planning/preparation • Estate planning and administration • More than 20 years of professional experience

Title: Executive Director – Investments

Attorney admitted in MA and NH

CPA/Personal Financial Specialist

Kevin, an Executive Director of Investments in Oppenheimer & Co. Inc.’s Boston office, provides individualized wealth management strategies and portfolio management to companies, nonprofit organizations, foundations, endowments, high-net-worth families and individuals. He believes that the return of investors’ capital is more important than the return on it and has provided meticulous and hands-on service for almost 25 years.

I work with individuals and their families to design, draft and implement creative strategies to protect the assets they have accumulated. Estate plans often include revocable, irrevocable, dynasty and/or insurance trusts to meet the specific objectives of the client. As a CPA and attorney, I advise clients on both the legal and the financial implications of various courses of action. I prepare financial plans, individual, estate and trust income tax returns, gift tax returns and estate tax returns.

Oppenheimer & Co. Inc. Transacts Business on All Principal Exchanges and Member SIPC.

Jay P. Irving

Beth Rosenberg King

Wells Fargo Advisors, LLC

800 Hingham St., Ste.109s Rockland, MA 02370 Office: (781) 871-9160 [email protected] www.jayirving.com

Two International Pl., 20th Fl. Boston, MA 02110

Direct: (617) 289-9431 Toll-free: (800) 643-8069, Ext. 9431 [email protected]

www.bethrking.wfadv.com

Integrity • Value • Service

A Personal Approach to Investing

• Retirement and estate planning • More than 25 years of experience • Independent, unbiased, objective advice

• Experienced and knowledgeable • Dedicated to helping clients meet their goals • Highest level of personal client service

Comprehensive Wealth Manager

Title: Vice President – Investments

Jay's mission "is to provide my clients with the most up-to-date information, products and services available so that we are able to make the prudent decisions for their financial future. I want to help them work toward financial independence." Jay's comprehensive approach to financial planning and dedication to his clients has earned him a spot as a 2012 Five Star Wealth Manager.

As an experienced Financial Advisor, Beth helps clients set a clear and realistic path towards meeting their financial goals while striving to optimize their financial circumstances. She is committed to providing sound investment advice and uncompromising personal service. Whether your need involves estate strategies or business continuation, updated investment strategy, education funding, liability management, reaching a secure retirement, or death or divorce, Beth can help.

Securities and Financial Planning offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC.

Advisor selection is not reflective of individual client satisfaction or future performance. Please see the introduction section for important information on the scope of the award and the Five Star selection process. Wells Fargo Advisors, LLC, Member SIPC. [CAR 1211-2645].

FS 36 – Five Star award information: fivestarprofessional.com

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

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

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

Tw W o-Y in ea ne r r

Anthony J. Marino

An Ameriprise Platinum Financial Services®Practice

Helping Clients for Life

• Committed to educating and helping to empower clients • Reliable advice for wealth accumulation and preservation • More than 34 years of investment experience

• A focus on listening and understanding • Holistic approach • Wealth management, not just investments

Title: Financial Advisor

Designations: CLU®, ChFC®, FLMI

Designations: CLU®, ChFC®, MSM

Areas of focus: Financial Planning, Retirement Planning And Investment Planning. Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. 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.

Since 1985, our firm has provided customized and innovative wealth solutions for our clients’ important life goals. Our clients’ best interests are our primary concern. Period. Unlike firms that offer “standardized” solutions to complex problems, we develop specific strategies to achieve your objectives in a coordinated and tax-efficient manner.

Anthony Marino is a Financial Advisor and a Registered Representative of New England Securities Corp. (NES), (Member FINRA/SIPC) a broker-dealer and Registered Investment Adviser. Marino Financial Advisors and NES are not affiliated entities. L1211227995[exp0912][MA].

Tom McFarland

Maureen Meehan

801 Main St. Concord, MA 01742

859 Turnpike St., Ste. 129 North Andover, MA 01845 Phone: (978) 689-7557

Office: (978) 369-5144 Direct: (617) 330-5090

[email protected]

www.TheMNEGroup.com

[email protected] www.darrowwealthmanagement.com

The DarrowCFO™ Advantage

Investing in Relationships for Life

• Total wealth management solution • Proactive financial planning • Integrated investment management

• Financial, retirement and estate planning • Customization of strategies to achieve your goals • Monitor and adjust plan as life changes

Title: President

Title: Financial Planner

Designation: CERTIFIED FINANCIAL PLANNER™

Designation: CFP®

The concept of a family CFO is an essential component used to help high-net-worth individuals manage the myriad of investment choices, changing tax laws and the complexity of total financial planning. As a fee-only financial advisor, we bring this total management solution under one roof through a program we call The DarrowCFO™ Advantage in which your comprehensive financial plan is strategically integrated with your investment management.

I want to thank my clients and peers for selecting me as a Five Star Wealth Manager. I am dedicated to providing the individual attention necessary to help build a comprehensive plan for my client's financial future.

The Darrow Company, Inc. ("The Darrow Company") is an SEC registered investment adviser located in Boston and Concord, MA and Los Angeles, CA. For additional disclosure information, visit our website at www.darrowwealthmanagement.com.

Maureen Meehan is a financial planner and registered representative with New England Securities. Security products and investments advisory services are offered through New England Securities, (member FINRA/SIPC), and a registered investment adviser. The MNE Group is not affiliated with New England Securities. CA Insurance License# 0F77864. L1211228210[exp1212].

FS 37 – Five Star award information: fivestarprofessional.com

2012 Five Star Wealth Managers

Timothy A. LePain

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

125 Summer St. Boston, MA 02110 Office: (617) 526-9393, Ext. 318 [email protected] www.mileslogue.com

301 Edgewater Pl., Ste. 200 Wakefield, MA 01880

Tw W o-Y in ea ne r r

Gino P. Molettieri

Planning Today for a Better Tomorrow

Phone: (781) 876-4152 Phone: (781) 942-5000, Ext. 144

[email protected]financial.com

www.ginomolettieri.com

Providing Personal Thoughtful Advice

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

• Wealth management • Personal financial planning • Business benefits and financial services

Focus: Insurance, Financial Planning, Wealth Management

Titles: Financial Advisor, Registered Representative

Designation: CFP®

Gregg 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.

Gino strives to help individuals and businesses develop their financial objectives and achieve those objectives through investment services that are personally designed to meet present and future needs. Whatever your financial goals — growing assets, retirement planning, wealth transfer, business benefits — Gino will provide the highest level of service along with a thoughtful and prudent financial plan to help strengthen your finances.

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. CRD No. 4204949.

Securities and investment advisory services offered through New England Securities, Corp. (NES)(member FINRA/SIPC), a registered investment advisor. Baystate Financial Services is not affiliated with NES. L1211229618{exp1212}{MA}.

Kristin A. Nordahl

Thomas J. Ouellette

Ouellette Wealth Management 35 Bedford St., Ste. 14 Lexington, MA 02420

859 Turnpike St., Ste. 129 North Andover, MA 01845 Phone: (978) 689-7557

[email protected]

www.TheMNEGroup.com

Investing in Relationships for Life

Direct: (781) 861-0766

Tw W o-Y in ea ne r r

Tw W o-Y in ea ne r r

2012 Five Star Wealth Managers

Gregg S. Miles

[email protected] www.owmonline.com

Multi-Client Family Office

• Financial, retirement and estate planning • Customization of strategies to achieve your goals • Monitor and adjust plan as life changes

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

Title: Senior Financial Planner

Designations: Chartered Retirement Planning CounselorSM (CRPC®), CFS®, LUTCF, GEPC

Designations: CFP®, CLU®

Understanding your goals and drawing on her knowledge, experience and world-class planning tools, since 1983, Kristin strives to help build financial freedom for every client. Her practice focuses on estate and wealth management, retirement, investment and special needs planning. Kristin has received a certificate from the Wharton Retirement Planning Program.

Kristin A. Nordahl is a senior financial planner and registered representative with New England Securities. Security products and investment advisory services are offered through New England Securities, broker/ dealer, member FINRA/SIPC and registered investment adviser. The MNE Group is not affiliated with New England Securities. L1211226757[exp 0113].

FS 38 – Five Star award information: fivestarprofessional.com

Have 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 the owner and founder of the Ouellette Wealth Management Group in Lexington, MA. Beginning his career in 1993, Tom is an advisor with LPL Financial, one of the nation's largest independent financial advisory firms. Thomas J. Ouellette is a Registered Principal with and securities are offered through LPL Financial, Member FINRA/SIPC.

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

Gerard T. Robinson

Tw W o-Y in ea ne r r

Capital Analysts of New England

53 State St., 39th Fl. Boston, MA 02109 Office: (617) 589-3206 Phone: (800) 752-2678 [email protected] fa.smithbarney.com/panessiti

Providing Personalized Service

1266 Furnace Brook Pky. Quincy, MA 02169

Office: (617) 786-1600, Ext. 157

[email protected]

www.capitalanalystsne.com

Experienced and Professional

• Customized investment strategies • Full-service financial planning • Building long-term client relationships

• Comprehensive wealth management • Pre- and post-retirement strategies • Estate planning and business succession

Titles: Financial Advisor, Senior Portfolio Manager

Title/Designations: Partner, CFP®, CFS®, ChFC®, AIF®

Designation: ChFC®

Focus: Retirement/Investment Plg., Comprehensive Financial Plg.

We assist families of significant wealth and corporations navigate the noise that purveys Wall Street and build customized investment strategies within the context of each client's goals, objectives and risk tolerance. We offer a perspective developed over multiple market cycles, a thorough understanding of asset allocation and risk management, and an ability to refine your strategy as your needs and the financial markets change.

For more than 25 years, Jerry and his experienced team of professionals have provided high-quality, comprehensive wealth management strategies and solutions to many of New England’s most successful business owners, high-net-worth individuals and corporate executives.

© 2012 Morgan Stanley Smith Barney LLC. Member SIPC.

Securities and Investment Advisory Services offered through Capital Analysts Incorporated Member FINRA/SIPC Capital Analysts of New England, Inc. and Capital Analysts Incorporated are independent non-affiliated entities.

Paul L. Roche III

Joseph Shadduck

125 High St., 24th Fl. Boston, MA 02110 Phone: (617) 478-6515 [email protected]

300 Crown Colony Dr., Ste. 102 Quincy, MA 02169 Phone: (617) 471-6800 [email protected] www.BlueHillsWM.com

Integrity • Knowledge • Excellence

Your Financial Partner

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

• Complementary initial consultation • 30 years of service • Independent advice and guidance

Titles: Senior Vice President, Wealth Advisor

Chartered Financial Consultant®

Designations: CFP®, CIMA®

Paul Roche, three-year consecutive Five Star award winner, leads a team of professionals who are pledged to uphold their five guiding principles: integrity, client focus, teamwork, lifelong education and citizenship. We are honored and humbled to have been selected for our third consecutive year for this award. Thank you for your continuing trust and confidence. © 2012 Morgan Stanley Smith Barney LLC. Member SIPC.

We are thankful for this recommendation of the Five Star Wealth Manager award. This vote of confidence is the highest compliment we could receive. We have enjoyed being by your side every step of the way. Blue Hills Wealth Management will continue to strive to be large enough to provide the necessary resources to complete the job, yet small enough to deliver the personal service and care you expect. Securities and Advisory Services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser.

FS 39 – Five Star award information: fivestarprofessional.com

2012 Five Star Wealth Managers

Robert M. Panessiti

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Richard I. Shakter

Robert S. Sherr

40 William St., Ste. 200 Wellesley, MA 02481 Phone: (781) 416-2900, Ext. 223 [email protected]

38 Locust St. Lynnfield, MA 01940 Office: (781) 598-9309 Toll-free: (800) 401k-SFA [email protected]financial.com www.sherrfinancial.com

www.FinancialCompassGroup.com

Navigating Your Financial Journey

Providing Sound Financial Advice

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

• Tailored solutions to pursue your goals • Providing first-rate client service • Committed to the highest fiduciary standards

Richard I. Shakter, Partner

Registered Investment Advisor

Designations: JD, CLU®, CFP®

AIF®, NFLPA Reg. Player Financial Advisor

Financial 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. We utilize our proprietary 360° Panoramic WealthView™ planning system to evaluate a client’s financial position and quality of life.

Securities offered through AXA Advisors, LLC (NY, NY 212-314-4600), member FINRA, SIPC. Investment advisory products and services offered through AXA Advisors, LLC, an investment advisor registered with the SEC. Annuity and insurance products offered through AXA Network, LLC. Financial Compass Group, LLC is not a registered investment advisor and is not owned or operated by AXA Advisors or AXA Network. PPG-66656(12/11)(exp.12/13.)

Bob has more than 32 years of experience providing investment and financial advisory services to both individuals and businesses. Bob and his son Dan use a client-centered approach to guide their investors through complex financial issues by providing simple and understandable concepts that translate into an action plan. Areas of Focus: Corporate retirement plans with co-fiduciary services, retirement income distribution strategies and a prudent approach to investment management. Securities offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Investment advisory services offered by Sherr Financial Associates, a Registered Investment Adviser, are separate and unrelated to Commonwealth.

Mark Soukup

Jonathan D. Straus

One Federal St., Fl. 22 Boston, MA 02110 Toll-free: (800) 828-6726 Direct: (617) 428-5566 [email protected] fa.opco.com/mark.soukup

275 Grove St., Ste. 2-400 Newton, MA 02466 Office: (617) 431-7200

Personal, Professional Caring Advice

• Independent, unbiased, customized investment advice • Comprehensive wealth management strategies • Outstanding service backed with 20 years of experience

Tw W o-Y in ea ne r r

2012 Five Star Wealth Managers

Tw W o-Y in ea ne r r

Special Advertising Section

[email protected]

www.commonscapitaladvisors.com

Growing and Protecting Wealth

• Comprehensive wealth management • Holistic planning approach • Independence, expertise and objectivity

Titles: Founding Principal, Senior Portfolio Manager Designation: CSNA

Mark, Executive Director of Investments, leads a team of professionals dedicated to providing detailed financial planning and life strategies. Through ongoing monitoring and review, he keeps his clients updated regularly on their progress toward their goals. Mark’s main analytical approach is built on modern portfolio theory, along with research and staying current with capital markets, helping him construct portfolios based on clients goals.

Jonathan has an extensive background providing comprehensive wealth management advice and services to individuals and businesses. He is a member of a select group of advisors who can offer personalized, discretionary asset management services. This enables him to function as your personal portfolio manager and to construct a portfolio that is aligned with your investment objectives, time horizon, risk tolerance and overall financial strategy.

This article is intended for informational purposes only. All information provided and opinions expressed are subject to change without notice. Oppenheimer & Co. Inc. Transacts Business on All Principal Exchanges and Member SIPC. G38122811RM1.

© 2012 Commons Capital Advisors, LLC. Securities offered through National Securities Corporation, Member FINRA/SIPC. Investment Advisory Services offered through National Asset Management. Accounts are carried by National Financial Services LLC, Member NYSE/SIPC, a Fidelity Investments® company.

FS 40 – Five Star award information: fivestarprofessional.com

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

Tw W o-Y in ea ne r r

351 Main St. Wakefield, MA 01880 Office: (781) 246-0302 Toll-free: (800) 246-2009 [email protected] www.tsbsecuritiesgroup.com

Your Success Is Our Objective

• Proven expertise • Valuable partner • Commitment to personal attention

Canton, MA 02021 Office: (781) 737-1918 [email protected] www.ibankcanton.com Investment Executive, Infinex Investments, Inc.

We specialize in retirement income planning, where a well-planned distribution strategy leads to financial peace of mind throughout our clients’ retirement years. Securities offered through INFINEX INVESTMENTS, INC. Member FINRA/ SIPC. B.O.C. Financial Services is a trade name of the Bank of Canton. Infinex and the bank are not affiliated. • NOT A DEPOSIT • NOT FDIC-INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT GUARANTEED BY THE BANK • MAY GO DOWN IN VALUE

Registered Securities Principal

Certified in Long-Term Care (CLTC)

With more than 31 years of investment industry experience, James Taylor understands how to chart a course for pursuing your financial goals under all market conditions. As a husband and father, he understands the financial challenges families face today and how to target solid strategies for meeting them. He will take the time to fully understand your personal goals, priorities and concerns before developing a personalized plan for pursuing them. Securities and Advisory Services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Not FDIC insured. May Lose Value. Not Bank Guaranteed. Fixed Insurance products and services offered by TSB Securities Group is separate and unrelated to Commonwealth.

Marc Altenhoff

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

Find a financial planner who will take the time to educate you, eliminate the mystery and put you on the correct path. — Five Star award winner

Alicia M. Andre

Richard E. Bergeron

255 State St. Boston, MA 02109 Direct: (617) 502-9420 [email protected] www.silverbridgeadv.com

MCB Financial Services at Mansfield Bank 80 N Main St. Mansfield, MA 02048 Direct: (508) 851-3603 Phone: (508) 851-3639 [email protected]

Title: Financial Advisor

Helping individuals and businesses plan for their financial goals through a personalized approach while mitigating their risk.

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

Since 1993, Alicia has partnered with corporate executives, professionals and families to manage and protect their assets. Silver Bridge is an independent wealth management firm with $2.75 billion in assets under advisement as of June 30, 2011. For more than 80 years, Silver Bridge and its predecessors have focused on helping individuals and families realize their financial goals and aspirations. All investment advisory services are provided through Silver Bridge Capital Management, LLC, a registered investment adviser and affiliate of Silver Bridge Advisors, LLC.

CFP®, ChFC®, AEP®, Financial Consultant

Trustworthy, knowledgeable and honest — if these traits are what you deem most important in a financial advisor, please give me a call today for a free initial consultation!

Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Investments are not FDIC Insured and are subject to risk including loss of principal amount invested. Investments are not deposits of or obligations of the bank and are not guaranteed.

Wealth will only come as a result of living beneath your means. Saving even a small amount every month can grow to something significant. — Five Star award winner

FS 41 – Five Star award information: fivestarprofessional.com

2012 Five Star Wealth Managers

Brian J. Allsop

James C. Taylor

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

Michael Enright

Chris F. Gallagher

Dean Financial Group, LLC 800 South St., Ste. 415 Waltham, MA 02453 Office: (781) 398-1375 [email protected]

301 Edgewater Pl., Ste. 200 Wakefield, MA 01880 Phone: (781) 876-4137 Fax: (781) 876-4199 [email protected]

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

www.menright-baystatefinancial.com

Financial Advisor, CFP®

www.deanfinancialgroupllc.com

Title: President Designations: CFP®, MSFS

Financial Advisor offering investment advisory services through Eagle Strategies LLC, A Registered Investment Advisor, Dean Financial Group LLC is not owned or operated by NYLIFE Securities LLC or its affiliates.

Heidi L. Hanson

501 Cabot St., 2nd Fl. Beverly, MA 01915 Direct: (978) 922-4141 Toll-free: (866) 982-4141 [email protected] www.hansonfg.com Designation: CFP®

Hanson Financial Group offers comprehensive financial planning and investment management services with a focus on personal financial planning for retirees, surviving spouses and divorced partners. Securities and Investment advisory services offered through New England Securities Corp. (NES), a broker-dealer (Member FINRA/SIPC) and a Registered Investment Advisor. Branch address: Baystate Financial Services, 200 Clarendon St., 19th Fl., Boston, MA 02116. Phone (617) 585-4500. Baystate Financial Services and NES are not affiliated entities. L1211229216[exp1112][MA].

For more than 20 years, Mike has been p ro v i d i n g i n d i v i d u a l s, f a m i l i e s a n d businesses, solutions for the accumulation, protection and distribution of wealth.

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

L1211227882 [exp1212] MA.

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

“If you’re in this business for money alone you will never make it. You have to genuinely want to make a difference in your clients’ lives.”

Titles: Principal, Financial Advisor Designations: CFP®, AIF®

At Praesidium, we use a strict, disciplined methodology to assist our clients in achieving their goals. We help our clients open businesses, put their kids through school, travel the world, sustain retirements, and leave a legacy for their children and grandchildren. Securities and Advisory Services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser.

FS 42 – Five Star award information: fivestarprofessional.com

125 High St., 24 th Fl. Boston, MA 02110 Phone: (617) 478-6428 [email protected] Titles: Sr. Vice President, Financial Advisor

It has been my privilege to serve both individuals and institutions. Our team’s goal is to virtually provide unparalleled service and investment advice to all of our clients.

— Five Star award winner

© 2012 Morgan Stanley Smith Barney LLC. Member SIPC.

Michael Klonsky

150A Andover St., Ste. 12B Danvers, MA 01923 Phone: (978) 226-6300 [email protected] www.gopwm.com

Stephen Howlett

Tw W o-Y in ea ne r r

With more than 20 years of experience as an advisor and financial planner, Lee works closely with clients who are interested in converting their retirement savings into an income stream while protecting their family.

Titles: ChFC®, CLTC®

Renée Kwok

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

Tw W o-Y in ea ne r r

2012 Five Star Wealth Managers

Lee R. Dean

President, CFP®

Renée and her partners lead an independent, fee-only wealth management firm serving high-net-worth clients ($2 million-plus portfolios). Renée provides objective, personalized financial advice to clients through life's transitions.

Christina A. Larson Larson Financial Planning, Inc. 12 Dana Ave. Winchester, MA 01890 Office: (781) 729-1094 [email protected] www.LarsonFP.com CFP®

Christina 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 retirement, investment and financial planning goals.

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

Designations: CLU®, ChFC®, AEP®

With more than 27 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.

Daniel C. Romano

34 Southwest Pk. Westwood, MA 02090 Phone: (781) 407-0300

[email protected]

GrayEquityManagement.com Daniel Romano, Managing Member, CPA, PFS

B y i n te gr a t i n g i n d e p e n d e n t we a l t h management, accounting and tax-planning services, I strive to help my clients keep the promises they have made to themselves and their families, both in the present and the future.

Securities offered through 1st Global Capital Corp., Member FINRA, SIPC. Investment advisory services offered through Gray Equity Management, LLC. Gray Equity Management, LLC and 1st Global Capital Corp. are unaffiliated entities.

Barbara Shapiro

HMS Financial Group 333 Elm St., Ste. 210 Dedham, MA 02026 Phone: (781) 251-2655 Toll-free: (800) 335-2442 [email protected] www.hms-financial.com President, CFP®, CDFA™

Carolyn Launie Nolan

Sal Petralia

1 Branch St., Ste. 103 Methuen, MA 01844 Phone: (978) 975-3060 [email protected] www.lpl.com/sal.petralia

Two Constitution Plz., Fl. 1 Charlestown, MA 02129 Office: (617) 580-4138 [email protected] Title: Financial Advisor Designations: CFP®, CRPC®

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

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

“Wishful thinking is not planning. If you plan for the worst, you will never be unpleasantly surprised.” — Five Star award winner

Designation: CFP®

A holistic approach to financial services for individuals and small businesses, which includes tax preparation, investment management and retirement planning. Clients participate in periodic account reviews, and portfolios are modified as necessary. Member FINRA/SIPC.

Michael A. Schreiber

Michael A. Schreiber & Associates 10 Laurel Ave., Ste. 100 Wellesley Hills, MA 02481 Phone: (781) 239-1180

[email protected] www.SchreiberAndAssociates.com

Personalized Asset Mgmt., Business and Individual Financial Planning

Wealth management is equal parts listening, understanding, and providing advice and focused strategies for your family’s everchanging circumstances. Michael A. Schreiber & Associates is a Registered Investment Adviser, and offers advisory services. Securities offered through LPL Financial, Member FINRA/SIPC. Michael A. Schreiber & Associates is not affiliated with LPL Financial.

Tina Sherwood

Louise Sharp

10 Liberty St., Ste. 119 Danvers, MA 01923 Phone: (978) 762-5678 Phone: (978) 943-6393 [email protected] www.sharplinhart.com Title: Financial Consultant

HMS Financial Group is a full-ser vice financial planning, wealth management and investment firm. Ms. Shapiro also specializes in assisting divorcing clients and their attorneys to structure equitable financial settlements through the Circle of Support™.

Financial life planning to help you live your best life. Unbiased, personal advice using top-notch research and solutions. We build positive trusting relationships to help you successfully navigate the quagmire of financial choices.

Securities offered through Cadaret, Grant & Co,. Inc., member FINRA/SIPC.

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

Law Office of Tina L. Sherwood 6 Trevor Ln. Hopkinton, MA 01748 Phone: (617) 930-3533 [email protected] sherwoodlawma.com

Tw W o-Y in ea ne r r

Robert A. Matson, CLU®, ChFC® 333 Orchard St. Millis, MA 02054 Office: (508) 376-2009 [email protected] www.lpl.com

With more than 20 years’ experience as a holistic estate planning attorney, I approach each client individually, considering their short- and long-term goals, whether they are planning a family legacy, fulfilling a charitable desire or assisting with passing on the family business.

FS 43 – Five Star award information: fivestarprofessional.com

2012 Five Star Wealth Managers

Robert A. Matson

© F ve ar r S i © F ve tar Pro S i © F ve tar Pro fess ive Sta Pro fess Fiv St r P fe io n s a r e S r P of sio tar ro ess na Sta Pr fes ion l r P ofe sio al r s n Special Advertising Section

MetLife Securities, Inc. 227 Union St., Ste. 701 New Bedford, MA 02740 Phone: (508) 992-1700 [email protected] treywhalley.metlife.com Title: CFA

Understanding your philosophy about your money is at the heart of my financial advice.

Metropolitan Life Insurance Company (MLIC), New York 10166. Securities and Investment advisory services offered by MetLife Securities, Inc. (MSI)(FINRA/SIPC), a registered investment advisor. MLIC and MSI are affiliates. Five Star Professional is not affiliated with MetLife. L1211228018[exp1112][MA].

Jonathan Wolff

Tw W o-Y in ea ne r r

Tw W o-Y in ea ne r r

2012 Five Star Wealth Managers

Trey H. Whalley

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

Byron E. Woodman, Jr. Woodman & Eaton, P.C. 801 Main St., Ste. 14 Concord, MA 01742 Office: (978) 369-0960 [email protected]

www.woodmaneaton.com Attorney – JD, LL.M., AEP®

President

Our 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.

Woodman & Eaton, P.C., founded in 1980, has a long history of assisting families and business owners with their estate, business and financial planning needs. We provide integrated wealth management services through our Master Plan Program. The Master Plan integrates financial, legal, estate and life planning for individuals and families.

Have a process for managing money that is not based on opinions, attitudes or emotions. — Five Star award winner

FS 44 – Five Star award information: fivestarprofessional.com

Comments