Main Street Financial Solutions, LLC

Lawrence Cummings is a financial advisor at Main Street Financial Solutions, LLC with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at City National Bank and RBC Capital Markets, LLC. Main Street Financial Solutions manages approximately $2.49 billion in assets for over 2,200 clients with a multi-team approach that includes financial planning, investment management, and retirement plan consulting. The firm employs an academic-based, multi-asset investment strategy combining low-cost mutual funds, passive ETFs, actively managed funds, and alternative investments, serving both individual and institutional clients.

Thomas Durkin is a financial advisor at Main Street Financial Solutions, LLC with 30 years of industry experience. He holds the Series 63 and Series 65 designations and previously worked at UBS Financial Services Inc. from 2015 to 2023. Main Street Financial Solutions manages approximately $2.49 billion in regulatory assets for over 2,200 clients through 35 advisors across multiple teams. The firm employs an academic-based, multi-asset investment approach that combines low-cost mutual funds and passive ETFs with actively managed funds, individual securities, options, and selected Independent Managers, serving a diverse client base that includes institutional and high-net-worth clients.

Melissa Thier is a CFP® professional with six years of industry experience, currently serving at Main Street Financial Solutions, LLC since 2018. Prior to joining the firm, she worked as a consultant from 2013 to 2018. Main Street Financial Solutions manages approximately $2.49 billion in assets for a diverse client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, and institutional entities. The firm employs a multi-asset investment approach combining low-cost mutual funds, passive ETFs, actively managed funds, individual equities and bonds, options, and selected Independent Managers.

Clifford Wang is a financial advisor at Main Street Financial Solutions, LLC with 25 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at City National Bank and RBC Capital Markets, LLC prior to joining Main Street Financial Solutions. Outside of his advisory role, he serves on the Deans Alumni Advisory Board at the Johns Hopkins Carey Business School and is a committee member for the School of Civil and Environmental Engineering at the Georgia Institute of Technology. Main Street Financial Solutions manages approximately $2.49 billion in regulatory assets for over 2,200 clients through a multi-team approach. The firm employs an academic-based, multi-asset investment strategy that incorporates low-cost mutual funds, passive ETFs, actively managed funds, individual securities, options, and selected Independent Managers, serving a broad client base including individuals, institutions, and pension plans.

Francis Lapowsky is a financial advisor at Main Street Financial Solutions, LLC with eight years of industry experience. He holds a Series 66 designation and previously worked at Bank of America and Merrill Lynch. Main Street Financial Solutions manages approximately $2.49 billion in assets for over 2,200 clients across multiple teams. The firm uses an academic-based, multi-asset investment approach combining low-cost mutual funds and passive ETFs with actively managed funds, individual securities, and alternative investments, serving a diverse client base that includes institutional and high-net-worth investors.

William Cuthbertson is a financial advisor at Main Street Financial Solutions, LLC, holding a Series 66 designation with 19 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for 17 years before joining Main Street Financial Solutions in 2023. Main Street Financial Solutions manages approximately $2.49 billion in regulatory assets for over 2,200 clients through a multi-team structure. The firm employs an academic-based, multi-asset investment approach that combines passive and active strategies, serving a diverse client base that includes individuals, high-net-worth clients, pension plans, and institutional investors.

Christina Massalay is a CFP® professional with 12 years of industry experience. She currently works at Main Street Financial Solutions, LLC and previously spent 11 years at Credit Suisse Securities (USA) LLC. Main Street Financial Solutions manages approximately $2.49 billion in regulatory assets for a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, and institutional investors. The firm employs a multi-asset investment approach that combines low-cost mutual funds and passive ETFs with actively managed funds, individual securities, options, and selected Independent Managers, providing both discretionary and non-discretionary services.

Susan Minnier is a financial advisor at Main Street Financial Solutions, LLC with seven years of industry experience. She holds the Series 63 and Series 65 designations. Prior to joining Main Street Financial Solutions in 2022, she worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated for four years and held positions at PFS Investments Inc. and Primerica Financial Services. Main Street Financial Solutions manages approximately $2.49 billion in assets for over 2,200 clients through 35 advisors across multiple teams. The firm employs an academic-based, multi-asset investment approach utilizing low-cost mutual funds, passive ETFs, actively managed funds, individual securities, and alternative investments, serving a diverse client base that includes individuals, institutions, and public entities.

Michael Minter is a CFP® professional with 24 years of industry experience, currently serving as an advisor at Main Street Financial Solutions, LLC since 2008. He holds Series 63 and Series 66 licenses and is involved in broker education through his ownership of Financial Planning Resource Center. Additionally, he partners in fixed insurance services with Superior Cove Insurance Services, LLC. Main Street Financial Solutions manages approximately $2.49 billion in assets for over 2,200 clients through a multi-team structure. The firm employs an academic-based, multi-asset investment approach combining low-cost mutual funds, passive ETFs, actively managed funds, individual securities, and alternative investments, serving both individual and institutional clients.

William Dougherty is a CFP® and CFA® with 25 years of industry experience. He has worked at Main Street Financial Solutions, LLC since 2021 and previously spent nine years with HARTFORD Funds Distributors, LLC. Outside of his advisory role, he is a partner and 20% owner of OBAM Realty Group LLC, where he manages financial responsibilities. Main Street Financial Solutions manages approximately $2.49 billion in assets for over 2,200 clients through a multi-team structure. The firm employs an academic-based, multi-asset investment approach that combines low-cost mutual funds and passive ETFs with actively managed funds, individual securities, and alternative investments, serving both individual and institutional clients.

John Hammack is a CFP® professional with 25 years of industry experience. He has worked at Main Street Financial Solutions, LLC since 2022 and previously spent 11 years each at Bank of America, N.A. and Merrill Lynch, Pierce, Fenner & Smith Incorporated. Main Street Financial Solutions manages approximately $2.49 billion in assets for over 2,200 clients through a multi-team approach. The firm offers financial planning, investment management, retirement plan consulting, and access to alternative investments, utilizing an academic-based, multi-asset strategy that combines low-cost passive funds with active management and individual securities.

Jonathan Brandl is a CFP® with eight years of industry experience, currently serving as a financial advisor at Main Street Financial Solutions, LLC since 2019. He previously worked at Merrill Lynch for two years and Clear Line Analytics for nine years. Main Street Financial Solutions manages approximately $2.49 billion in assets for over 2,200 clients through 35 advisors across multiple teams. The firm employs an academic-based, multi-asset investment approach that includes low-cost mutual funds, passive ETFs, actively managed funds, individual securities, options, and selected Independent Managers, serving a broad client base that includes individuals, institutions, and government entities.

Ernest Csak is a CFP® professional with 28 years of experience in the financial services industry. He has worked at Main Street Financial Solutions, LLC since 2021 and previously held roles at Bank of America, N.A. and Merrill Lynch, Pierce, Fenner and Smith Incorporated from 2011 to 2021. Main Street Financial Solutions manages approximately $2.49 billion in regulatory assets for over 2,200 clients through a multi-team structure. The firm employs an academic-based, multi-asset investment approach that combines low-cost mutual funds and passive ETFs with actively managed funds, individual securities, options, and selected Independent Managers, serving a diverse client base including institutional entities.

Kaywan Ghazizadeh is a CFP® with 16 years of industry experience, currently serving as a financial advisor at Main Street Financial Solutions, LLC since 2017. He has also been associated with National Asset Management, Inc. since 2010 and has worked as a Registered Representative since 2009. Main Street Financial Solutions manages approximately $2.49 billion in assets for over 2,200 clients and employs 35 advisors across multiple teams. The firm offers financial planning, investment management, retirement plan consulting, and alternative investment access, utilizing an academic-based, multi-asset approach that includes low-cost mutual funds, passive ETFs, active funds, individual securities, and selected Independent Managers, serving both individual and institutional clients.

Colin Moors is a financial advisor at Main Street Financial Solutions, LLC with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at American Portfolios Financial Services, Inc. from 2009 to 2023. Main Street Financial Solutions manages approximately $2.49 billion in assets for over 2,200 clients through a multi-team structure with 35 advisors. The firm employs an academic-based, multi-asset investment approach utilizing both passive and active strategies and serves a diverse client base including individuals, high-net-worth clients, pension plans, and institutional investors.