The Team

Using our exclusive Confident Retirement® approach and our experience providing ongoing financial advice, we help clients find opportunities that may help reduce taxes over their lifetime and beyond. We consider options like Roth IRA conversions and other tax-free investments, tax-free college savings plans and charitable gift-giving, and tax diversification and tax-efficient withdrawals from retirement accounts. We want our clients to understand all their options to help them be free to live life brilliantly — today and in the future.

Our Advisors

Ray Sicard

Ray Sicard

Financial Advisor

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Designations

CFP®, CFA

Top Areas of Focus

  • Investments
  • Retirement Planning Strategies
  • Employee Stock Options

Education

Bachelor of Arts, Economics, University of Vermont, Burlington, VT

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Ryan Gallagher

Ryan Gallagher

Associate Manager

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Designations

CFP®, CRPC®

Top Areas of Focus

  • Retirement Planning Strategies
  • Investments
  • Retirement Income Strategies

Education

University of Massachusetts, Amherst, MA Bachelor of Science

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Sebastian Gonzalez

Sebastian Gonzalez

Associate Manager

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Designations

CFP®, APMA®, CRPC®

Top Areas of Focus

  • Investments
  • Retirement Planning Strategies
  • Wealth Preservation Strategies

Education

BA Economics and International relations - Tufts University
CA Insurance #0F88525

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Sam Onyango Josiah II

Sam Onyango Josiah II

Financial Advisor

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Top Areas of Focus

  • Investments
  • Cash Flow Management Strategies
  • Retirement Planning Strategies

Education

•BA Bachelor of Arts, Economics & Government, St. Lawrence University, Canton, New York.

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David Shnitzer

David Shnitzer

Complex Director

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Designations

CFP®, CRPC®

Top Areas of Focus

  • Executive Compensation and Benefit Strategies
  • Investment Management
  • Estate Planning Strategies

Education

BS in Civil Engineering, Northeastern University, Boston, MA
CA Insurance #0E96400

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Matt Clifford

Matt Clifford

Financial Advisor

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Top Areas of Focus

  • Family Finances
  • Tax Planning Strategies
  • Retirement Planning Strategies

Education

Merrimack College, Bachelors degree in Finance, North Andover, MA

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