With over 18 years of experience in financial planning, estate management, and investment advisory services, I founded Vineyard Wealth Group to help families, individuals, and non-profits navigate their financial journeys with confidence. My approach combines personalized planning, trusted advice, and innovative strategies tailored to each client’s unique goals and values, with a particular emphasis on Social Security analysis and decision-making as a cornerstone of financial success. Prior to starting Vineyard Wealth Group, I spent nearly 14 years at Charles Schwab, managing a $15 billion complex with over 30 employees, and served as a Senior Financial Advisor at Martha's Vineyard Investment Advisors. These experiences honed my ability to deliver comprehensive and collaborative wealth management solutions. As a CERTIFIED FINANCIAL PLANNER® professional, I bring advanced expertise in asset management, estate planning, tax strategies, and Social Security planning, along with credentials as an Accredited Asset Management Specialist® and Chartered Mutual Fund Counselor®. My Six Sigma Black Belt certification further reflects my commitment to efficiency and excellence in service delivery. Beyond the numbers, I’m deeply invested in my community. I serve on the board of the Martha’s Vineyard YMCA, actively support local initiatives, and completed the 2023 Boston Marathon, raising over $8,000 for the Doug Flutie Jr. Autism Foundation. Let’s connect and explore how I can help you achieve financial clarity, optimize your Social Security decisions, and enjoy lasting peace of mind.

James Shannon is a CFA® charterholder with 11 years of industry experience. He is the sole advisor at Shannon Investment Management, an independent firm based in Falmouth, MA. Prior to founding his firm, he has been affiliated with SoFi Securities LLC and Social Finance, Inc. since 2012. Shannon Investment Management provides fee-only, discretionary investment management and ongoing investment guidance to individuals, families, trusts, businesses, and nonprofit entities. The firm primarily utilizes passively managed exchange-traded funds, applying principles from modern portfolio theory and market-efficiency research to build diversified portfolios with strategic and tactical asset allocation.

Daniel Seidman is the sole advisor at Seidman Investment Portfolios in Vineyard Haven, MA, holding a Series 63 designation with 33 years of industry experience. He has led his independent firm since 1988. Outside of advisory services, he is also a licensed insurance agent and owner of an insurance agency. Seidman Investment Portfolios offers tailored portfolio management and comprehensive financial planning to individual investors, including high-net-worth clients, as well as institutional clients such as pension plans, endowments, and charitable organizations. The firm combines a long-term, low turnover investment philosophy with active tactical management, utilizing research from public and subscription sources and conducting regular account reviews.

Jeffrey Cutter is a financial advisor with Cutter Financial Group LLC in Falmouth, MA, holding the PFS™ and Series 66 designations and having 19 years of industry experience. He has worked at Cutter Financial Group since 2006 and Precision Capital Management since 2015. Outside of advisory roles, he is involved in insurance and financial product sales through independent contracting arrangements. Cutter Financial Group provides investment advisory and planning services to individuals, high net worth clients, trusts, estates, and charitable organizations. The firm employs a risk-first investment approach focused on retirement income needs and offers portfolio management primarily through mutual funds, with additional services including income, legacy, risk management, and advanced tax planning.

Ethan Kapsambelis is a financial advisor at Cutter Financial Group LLC with four years of industry experience. He holds a Series 66 designation and has worked at Cutter Financial Group since 2022 and Wood Wealth Group since 2021. Outside of finance, he is involved in Lewis & Weldon Custom Cabinetry LLC as an inside project manager, where he collaborates on developing a CRM system to improve project management efficiency. Cutter Financial Group provides investment advisory and planning services to individuals, high net worth clients, trusts, estates, and charitable organizations. The firm uses a risk-first investment approach focused on retirement income needs and manages approximately $214.7 million for about 522 clients.

Jennifer Farrington is a Series 65-licensed advisor with Cutter Financial Group LLC, where she has worked since 2018. She has seven years of industry experience and also serves as the Associate Director of Regulatory Affairs for Associates of Cape Cod, Inc., a consulting role she has held since 2005. Cutter Financial Group provides investment advisory and planning services to individuals, high net worth clients, trusts, estates, and charitable organizations. The firm employs a risk-first investment approach focused on retirement income needs and offers services including income planning, legacy planning, risk management, and portfolio management.

Raymond Laporte is a financial advisor at Martha's Vineyard Investment Advisors, LLC with 31 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at LPL Financial, LLC for 20 years prior to joining his current firm in 2019. Martha's Vineyard Investment Advisors provides financial planning, investment management, and wealth management services to a diverse client base, including high-net-worth individuals, trusts, estates, and institutional clients. The firm builds customized portfolios using a combination of traditional and alternative investments guided by Modern Portfolio Theory, and it operates as a wholly owned subsidiary of Martha’s Vineyard Savings Bank.

Leslie Stovall is a financial advisor at Martha's Vineyard Investment Advisors, LLC with two years of industry experience. She holds a Series 66 designation and has worked at LPL Financial LLC and Martha's Vineyard Investment Advisors. Outside of her advisory role, she serves as a notary in the state of Massachusetts. Martha's Vineyard Investment Advisors provides financial planning, investment management, and wealth management services to a range of clients including individuals, trusts, foundations, and corporations. The firm builds customized portfolios using Modern Portfolio Theory and combines various investment vehicles with proprietary strategies and independent managers.

Steven Carlson is a financial advisor at B.B. Graham & Company, Inc. with 34 years of industry experience. He previously worked at Carlson Financial and Crown Capital Securities. Outside of financial advising, he is also a licensed real estate agent involved in real estate sales. B.B. Graham & Company provides investment advisory and financial planning services to individuals, pension plans, trusts, estates, corporations, and small businesses. The firm employs fundamental, technical, and cyclical analysis and offers both discretionary and non-discretionary asset management, often utilizing third-party asset managers.

Colleen Mc Gettrick is a financial advisor at Martha's Vineyard Investment Advisors, LLC with four years of industry experience. She holds a Series 66 designation and has worked at LPL Financial, Martha's Vineyard Bank, Bank of America, and Merrill Lynch. Martha's Vineyard Investment Advisors provides financial planning, investment management, and wealth management services to individuals, trusts, estates, foundations, endowments, corporations, and retirement plans. The firm employs a Modern Portfolio Theory approach, combining various asset classes and both proprietary and independent strategies to create customized portfolios tailored to clients' risk tolerance and financial goals.

Thomas Juster is a CFP® with 10 years of industry experience, currently serving as an advisor at Martha's Vineyard Investment Advisors, LLC since 2019. He also owns a retail business through Slate LLC. Prior to his current role, he worked at Pathstone Federal Street in 2016. Martha's Vineyard Investment Advisors provides financial planning, investment management, and wealth management services to a diverse client base including individuals, trusts, estates, foundations, and institutional clients. The firm employs a customized portfolio approach guided by Modern Portfolio Theory, combining various asset types and strategies while maintaining ongoing account monitoring and tailored allocations.

James Anthony is a financial advisor at Martha's Vineyard Investment Advisors, LLC with 16 years of industry experience. He holds the Series 66 designation and has worked at several financial institutions, including Chesapeake Bank & Trust Company, Severn Savings Bank, Ironworks Investments, Inc., and Martha's Vineyard Savings Bank. He has been with Martha's Vineyard Investment Advisors since 2018. Martha's Vineyard Investment Advisors provides financial planning, investment management, and wealth management services to individuals, trusts, estates, foundations, corporations, and pension plans. The firm builds customized portfolios using Modern Portfolio Theory and combines various investment vehicles with proprietary strategies and selected independent managers, while maintaining ongoing account monitoring and periodic rebalancing.

Richard Seeley is a CFP® with 21 years of industry experience and has been with Pinney & Scofield, Inc. since 2013. He is based in Falmouth, MA, and holds a Series 65 license. Pinney & Scofield serves individuals, trusts, and charitable organizations by providing financial planning and discretionary investment management, using a fee-only model. The firm employs a modern portfolio theory approach, constructing diversified portfolios primarily from index and factor mutual funds and ETFs, and manages roughly $743 million in discretionary assets with a small advisory team.

Edward Murphy IV is a financial advisor with Martha's Vineyard Investment Advisors, LLC, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has worked at firms including LPL Financial, Purshe Kaplan Sterling Investments, Pearson Financial Services, and Hellman Jordan Management. Murphy is also affiliated with Martha’s Vineyard Savings Bank. Martha's Vineyard Investment Advisors provides financial planning, investment management, and wealth management services to individuals, trusts, estates, foundations, corporations, and pension plans. The firm employs a customized portfolio approach based on Modern Portfolio Theory, incorporating a range of asset types and both proprietary and independent strategies.

Marc Tabah is a financial advisor at SVB Wealth with 32 years of industry experience. He holds the Series 63, Series 65, and Series 66 designations. Prior to joining SVB Wealth in 2020, he worked at Forester Capital and Lazard Asset Management. SVB Wealth serves a diverse client base including individuals, trusts, estates, and institutions, offering wealth management, portfolio management, financial planning, and retirement plan advisory services. The firm employs fundamental, quantitative, and technical analysis with a formal due diligence process and provides both discretionary and non-discretionary investment solutions.

Louise Sharp is a financial advisor with Commonwealth Financial Network in Falmouth, MA, holding Series 63 and Series 66 designations and 32 years of industry experience. She has worked at Commonwealth Financial Network since 2002 and co-founded Sharp & Linhart Financial Strategies in 2007. Outside of her advisory work, she is involved in selling fixed insurance products through MetLife General Agency. Commonwealth Financial Network serves a national network of nearly 3,000 advisors and their clients, providing a range of advisory programs and support services. The firm offers discretionary model portfolios, personalized indexing options, and multiple program structures while acting as a back-office and platform provider for its affiliated advisors.

Ove Asendorf is a financial advisor at Janney Montgomery Scott with two years of industry experience. He holds the Series 66 designation and previously worked at Boston City Properties and Erie Construction. Outside of his advisory role, he serves as a board member for Neighborhood Falmouth, a nonprofit supporting senior citizens, and as vice president of BNIK Cape Cod, a local business networking group. Janney Montgomery Scott is an SEC-registered investment adviser and broker-dealer managing approximately $100.8 billion in client assets and supporting over 1,200 advisors. The firm offers a comprehensive range of services including portfolio management, financial planning, and retirement plan consulting to individuals, high-net-worth clients, corporations, charities, and institutions through a multi-channel investment platform.

Christopher Marvin is a financial advisor at Mariner Wealth with 8 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Forte Capital LLC for 14 years before joining Mariner Wealth in 2025. Mariner Wealth is a large, multi-advisor wealth management firm serving individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm manages approximately $98.6 billion in assets and offers a wide range of services including investment management, financial planning, retirement plan consulting, tax services, and family-office style administration.

Janet Chadie is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. She has been with Janney Montgomery Scott since 2007. Janney Montgomery Scott manages approximately $100.8 billion in client assets and supports over 1,200 advisors. The firm offers a broad range of services including portfolio management, financial planning, and retirement plan advisory for individuals, high-net-worth clients, corporations, charities, and institutional accounts.

Melissa Ferro is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 65 licenses and 12 years of industry experience. She has been with Janney Montgomery Scott in various roles since 2016. Janney Montgomery Scott LLC is an SEC-registered investment adviser and broker-dealer managing approximately $100.8 billion in client assets. The firm serves individuals, high-net-worth clients, corporations, charities, and institutions through a range of services including portfolio management, financial planning, retirement advisory, and brokerage, utilizing a multi-channel investment platform and an integrated in-house portfolio management division.

Andrew Zimmerman is a financial advisor with Merrill in Woods Hole, MA, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. He has been with Merrill and Bank of America since 2016. Outside of his advisory role, he is involved with the Quissett Harbor Preservation Trust, a nonprofit focused on maintaining the harbor near his Cape Cod summer home, and holds family fiduciary responsibilities including power of attorney roles. Merrill serves a broad client base, including individuals, retirement plans, corporations, and institutional clients, offering a range of managed account programs, portfolio management, and brokerage services. The firm integrates investment management through diverse program strategies and emphasizes tax-efficient solutions, supported by its affiliation with Bank of America and its capital-markets platform.

Edouard Begin is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and eight years of industry experience. He has worked at LPL Financial and Rockland Trust Company since 2017 and previously at MVSB from 2014 to 2017. Outside of his advisory role, he operates a non-investment business called Clambulance in Vineyard Haven, MA. LPL Financial provides advisory and brokerage services to a diverse client base, including individuals, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a variety of investment delivery options supported by an in-house research team that constructs model portfolios and enables customized advisory arrangements.

Matthew Littlefield is a financial advisor with UBS Financial Services in Chilmark, MA, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has been with UBS since 2014. Outside of his advisory role, he serves on the board of Menud Co., a health and wellness company, and is treasurer for the UMass Amherst Endowment and Foundation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, using a combination of model-based asset allocations and proprietary research to tailor financial plans and portfolio management. The firm integrates institutional trading capabilities with wealth management services and provides a broad range of capital markets and advisory solutions.

Timothy Quill is a financial advisor with LPL Financial and Rockland Trust Company, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has worked at Rockland Trust and LPL Financial since 2009. Quill also serves as a relationship manager and business development officer for Rockland Trust’s Wealth Management Department. LPL Financial provides advisory and brokerage services to a diverse client base including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a variety of investment solutions supported by an in-house research team and accommodates both advisory and brokerage needs through a large network of investment adviser representatives.

Kerry Falco is a financial advisor at Morgan Stanley with 31 years of industry experience. He has held roles at Morgan Stanley since 2019 and previously worked at Weston Financial Group, Inc. and Weston Securities Corporation for over three decades. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and structured financial planning services supported by firm-approved tools and models.

Mark Alexander is a financial advisor with Ameriprise who holds Series 63 and Series 65 licenses and has 30 years of industry experience. He has worked at Ameriprise since 2018 and previously spent nine years at Investment Professionals, Inc. in the financial sector. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Sarah Laird is a financial advisor at Raymond James Financial with 10 years of industry experience. She holds the Series 66 designation and previously worked at Wells Fargo Advisors Financial Network LLC for six years. Outside of her advisory role, she is an associate at Lightship Capital Management, a support company affiliated with her firm. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm primarily provides non-discretionary financial planning and investment consulting, utilizing asset-allocation analysis and firm research to tailor recommendations and support client decision-making.

Jonathan Laird is a CFP® professional with 30 years of experience in financial advising. He is currently with Raymond James Financial Services Advisors, Inc., having joined in 2021 after 12 years at Wells Fargo Advisors Financial Network LLC. Outside of his advisory work, he is the CEO and sole owner of Lightshp Capital Management, a support company contracted with Raymond James Financial Services. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm offers financial planning and non-discretionary investment consulting, leveraging asset-allocation analysis and firm research, with a notable emphasis on advisory services that leave final decision authority with the client.

Robert Areano is a Wealth Management Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Robert earned an Associate's Degree from Massachusetts Bay College. His expertise focuses on wealth management and investment advisory services within the financial sector.

Todd Drummey is a CFP® professional with over 31 years of experience in financial advisory services. He is currently with OSAIC and has previously worked at SagePoint Financial, Inc. since 2009. Outside of his advisory role, Drummey serves as a trustee for a charitable foundation, volunteers with a local Boy Scout troop endowment fund, and is a director of a nonprofit trap and skeet club. OSAIC is an SEC-registered investment adviser and FINRA member broker-dealer that serves a broad client base, including individual investors, pension plans, corporations, and charitable organizations. The firm employs a comprehensive investment approach that combines risk-tolerance assessments with asset allocation and portfolio optimization tools, supporting thousands of advisors and managing approximately $200 billion in assets.