Regina Gray

Melissa Mason is a financial advisor at Cascade Wealth Management Solutions Inc. with one year of industry experience. She holds a Series 65 credential and previously worked at Berkshire Retirement Strategies and runs a separate administrative business, Shire Virtual Admin. Cascade Wealth Management Solutions Inc. is a single-owner advisory firm offering discretionary asset management alongside financial planning and consulting services. The firm serves individuals and high-net-worth clients with customized investment programs based on fundamental analysis and client-specific objectives.

Stephen Galib is the principal advisor at Stephen P Galib CRPC in Pittsfield, MA, holding a Series 65 designation with seven years of industry experience. He has a long-term engineering career at General Dynamics Mission Systems and also works as a tax preparer for Giardina & Bresett PC. His firm provides financial planning and investment advice to individuals and related estates and trusts, focusing on diversified allocations to mutual funds and ETFs based on client goals and risk tolerance. The practice does not manage client assets directly and uses an hourly billing model, emphasizing strategic allocation with limited discretionary authority.

Patrick Hanley is a financial advisor at Hanley & Associates LLC in Pittsfield, MA, holding a Series 65 designation with two years of industry experience. His background includes roles in financial services and other industries such as real estate and hospitality. Hanley & Associates serves individual investors, small business owners, and corporate pension and profit-sharing plans by providing financial coaching, consulting, retirement-plan fiduciary reviews, and investor education. The firm emphasizes non-discretionary management and offers clients access to third-party portfolio managers using asset-allocation models based on modern portfolio theory.

Matthew Sauer is a financial advisor at MDS Wealth Advisors, LLC, holding a Series 65 credential with 20 years of industry experience. He is also the founder, president, publisher, and chief investment officer of Mutual Fund Investor Guide, LLC, a subscription-based financial publication providing educational and analytical content. Sauer practices law and occasionally offers related advice or products to clients outside of his advisory role. MDS Wealth Advisors offers discretionary portfolio management and investment advisory services to individuals, including high-net-worth clients, as well as pension and profit-sharing plans. The firm employs a long-term trading approach, utilizing fundamental, technical, cyclical, and quantitative analyses alongside modern portfolio theory to guide investment decisions.

Margaret Koosa is a financial advisor with The Alchemists, LLC in Stamford, Vermont. She holds Series 63 and Series 65 licenses and has 14 years of industry experience. Her prior work includes roles at Brookwood Investment Group LLC and Belpointe Asset Management, LLC. Koosa also works as an independent insurance agent. The Alchemists, LLC provides portfolio management, financial planning, and retirement plan consulting primarily for pooled vehicles and institutional retirement-plan clients, using a long-term, passive asset-allocation approach with mutual funds and ETFs. The firm also offers educational seminars and pension consulting services.

Francis Hanley is a financial advisor at Hanley & Associates LLC in Pittsfield, MA, holding Series 63 and Series 65 licenses with 17 years of industry experience. He has been with Hanley & Associates since 2006. In addition to his advisory role, he is a licensed insurance agent offering life, disability income, long-term care, and group insurance. Hanley & Associates serves individual investors, small business owners, and corporate pension and profit-sharing plans by providing financial coaching, consulting, retirement-plan fiduciary reviews, and investor education. The firm typically offers non-discretionary investment recommendations and introduces clients seeking discretionary management to third-party portfolio managers using asset-allocation models based on modern portfolio theory.