Find Your Advisor
Seeking the guidance of a trusted and qualified financial planner is among the most crucial financial decisions you can make. At Commonwealth Financial Group, our planners are committed to understanding your unique challenges and aspirations. Leveraging the firm’s dedicated support and resources and working collaboratively with your existing advisory team, our planners provide an integrated financial strategy to help maximize your financial options.
Paul Jobin | Financial Advisor
Contact Information
Mobile. 603.634.8997 Office. 603.471.4365
pjobin@financialguide.com
43 Constitution Drive, Suite 201
Bedford, NH 03110
CFP®
Paul joined Commonwealth Financial Group in 2011. Prior to that, he worked at Fidelity Investments for 10 years.
Paul’s mission is to help families and business owners live up to their maximum financial potential while simultaneously protecting their family, assets, and lifestyle. He specializes in broad-based financial planning and provides total financial needs analysis. Paul’s areas of expertise include advisory services, retirement savings analysis, income planning strategies, and protection/insurance solutions.
Paul has held the Certified Financial Planner® designation since 2003. He holds Series 7, 63 and 65 FINRA registrations and Life and Health insurance licenses.
Paul is a graduate of the University of New Hampshire. He resides in Merrimack, NH with his wife, Jennifer, and their three children. In his spare time, Paul is an avid cyclist and enjoys competing as a member of the State 9 Racing team.
Questions? Let’s Chat.
Feel free to reach out with any questions about our services or if you just want to send a personal note.
George Jellison | Financial Advisor
Contact Information
Mobile. 207.223.7041 Office. 207.288.0002
gjellison@financialguide.com
280 Congress Street, Suite 1300
Boston, MA 02210
Lets chat.
Feel free to reach out with any questions about our services or if you just want to send a personal note.
Harold (Skip) Jarvis | Partner & Financial Advisor
Contact Information
Office. 603.223.0608
Cell. 603-785-3279 (Voice Only)
hjarvis@financialguide.com
Bayberry Commons Unit C
261 Sheep Davis Rd
Concord, NH 03301
CFBS, CLTC®
Skip Jarvis began his career in the financial services industry when he joined MassMutual Northern New England, now Commonwealth Financial Group, in May of 2000. Prior to joining Commonwealth Financial Group (CFG), Skip managed a local retail store for 13 years.
Skip is committed to providing holistic, comprehensive, fully integrated financial planning, to individuals, families, and business owners, that includes personal & business planning as well as business evaluation. With 23+ years in the industry, he has the experience to provide the guidance his clients need to help them achieve their financial goals and maximize their financial potential.
At CFG, Skip has access to an extensive team of financial professionals, including design center, business planning specialists, an estate planning attorney and CPAs. This team-based approach results
in a comprehensive strategy that is tailored specifically to each individual client.
Skip is originally from East Lyme, Connecticut and moved to New Hampshire in 1982. He has been married to his wife, Avonne, for over 30 years and they have four children, Patrick, Kendra, Kara and Isaac. In his spare time, he enjoys spending time with his family, volunteering with his church, being involved with his children’s sports, and playing golf.
Membership
Concord Chamber of Commerce
MDRT (Million Dollar Round Table) Court of the Table - 2013, 2014, 2015
Top of the Table - 2016, 2017, 2018, 2019, 2020, 2021
National Association of Insurance and Financial Advisors
Corporation for Long Term Care Certification
Certified Family Business Specialist
Questions? Let’s Chat.
Feel free to reach out with any questions about our services or if you just want to send a personal note.
Ellen Janis | Financial Advisor
Contact Information
413.307.3591
ejanis@financialguide.com
60 Roberts Drive, Suite 214
North Adams, MA 01247
MBA
As a financial advisor, Ellen knows the importance and value of building strong professional and personal relationships with her clients. She knows that by educating her clients about their financial choices, she can empower them to develop the strategies that fit who they are now with the flexibility to grow and change throughout their lives.
In her work with her clients, Ellen strives to build strong relationships with a solid foundation of trust and transparency with a focus on goal setting and positive forward progress. In addition, Ellen works collaboratively with her own network of trusted professionals as well as those of her clients to achieve the most successful outcomes.
Ellen joined Commonwealth Financial Group in 2015. When presented with the opportunity to build her own practice, Ellen was thrilled to launch into a career that combined her love for helping people gain a better financial education with the skills she learned in business school. She holds her FINRA Series 6, 7, and 63 licenses as well as her Life, Accident, and Health insurance licenses. Prior to 2015, Ellen worked for over 10 years in non-profit fundraising, most recently as the Director of Development at Bennington College. She received her undergraduate degree from the University of Oregon and her MBA from Boston University.
Ellen currently serves on the board of ROOTS Teen Center of Northern Berkshire as its President. She has also served on the boards of North Adams Chamber of Commerce, Berkshire Immigrant Center, and the Williamstown Community Preschool. She lives in North Adams, MA with her husband and two children. In her spare time, she enjoys cooking, running, reading and hiking with her dog.
Questions? Let’s Chat.
Feel free to reach out with any questions about our services or if you just want to send a personal note.
Chris Hodgson | Financial Advisor
Christopher M. Hodgson, CFP®, MSFS, CFBS, CLTC
Mobile. 508.318.4902 Office. 508.990.1583
ChrisHodgson@coastalfinancial.com
62 State Road
North Dartmouth, MA 02747
CERTIFIED FINANCIAL PLANNER ™
Christopher M. Hodgson has owned and operated Coastal Financial since 1999. He graduated from Georgetown University with a Bachelors of Arts in Business Administration in 1994 and earned his Masters of Science in Financial Services from the American College in 2008, and is accredited as a CERTIFIED FINANCIAL PLANNER ™ (CFP®). Chris is a Certified Family Business Specialist (CFBS) and Certified in Long-Term Care (CLTC). He has earned his Certificate in Business Succession Planning from the American College. He has served the United Way of Greater New Bedford in many capacities: Chairman of the Board, Campaign Chair, member of the Finance Committee and member of the Executive Committee, and takes pride in supporting community organizations. He also serves on the Board of Trustees of the Southcoast Health Systems. Chris was recognized as one of Southeastern Massachusetts and Rhode Island's Top Young Professionals, who select men and women under the age of 40 who are helping to shape the future through their business and community involvement.
Chris currently resides in South Dartmouth, MA with his wife, Lisa and their miniature Dachshunds, Cody & Sophie. Their son, Christopher, is a graduate of Florida State University and is currently working in the financial services industry in Florida.
Lets chat.
Feel free to reach out with any questions about our services or if you just want to send a personal note.
Michael D. Heberlein | Senior Partner
Contact Information Mobile. 617.297.9754
Office. 617.526.9389
mheberlein@financialguide.com
40R Merrimac Street, Suite 201E
Newburyport, MA 01950
CFP®, RICP®, ChSNC®
A partner at Commonwealth Financial Group since 2014, Michael continues to grow and expand his practice to meet the dynamic needs of his clients and to stay ahead of the ever-changing financial planning landscape. Michael's primary focus is assisting clients in achieving their goals by integrating all facets of their financial lives; including retirement planning, investment strategies, risk management, estate planning, and tax mitigation.
Michael has established his financial planning practice based on the foundational concepts of financial education and long-term relationship development. It is his goal to understand the dreams, desires, and intricacies of every client’s financial and personal lives; thereby giving him the ability to educate his clients on the vast portfolio of financial planning concepts, strategies, and tools applicable to their unique situation. He measures success by the client’s understanding of a strategy’s potential impact and the confidence with which the client can implement the plan.
Michael has also dedicated a portion of his practice to working with families who have a loved one with a special need. Michael assists families in developing valuable financial strategies and creating strategic financial solutions that integrate with government programs. Through his network of professionals and specialists, he can provide appropriate referrals to further assist families with their unique situations. He can also help coordinate family education and communication.
Michael graduated Magna Cum Laude from the University of Massachusetts - Amherst with a dual degree in Finance & Operations Management and Sport Management. He was also the recipient of the Alumni Association Senior Leadership Award.
He is also active in the community as a volunteer with the YMCA of Greater Boston. In his free time, he enjoys skiing, mountain biking, and exploring historical reads. He resides in Newburyport, MA with his wife, Chelsea, daughter Lily, and black lab, Luna.
Questions? Let’s Chat.
Feel free to reach out with any questions about our services or if you just want to send a personal note.
Justin Hayward | Partner & Financial Advisor
Contact Information
617.294.5585
jhayward@crosscoastaladvisors.com
www.crosscoastaladvisors.com
197 First Ave, Suite 250
Needham, MA 02494
As a Partner with Cross Coastal Advisors, Justin Hayward works with individuals and families around the country, educating them on how to manage their cash flow and maximize their financial potential while making the appropriate plans to protect their families and preserve accumulated wealth. While Justin’s client base is diverse, due to his knowledge and experience many individuals in private equity, medical, legal and real estate industries highly value his skills as an advisor.
Justin’s understanding of family business dynamics comes from his own family of entrepreneurs, who have run a school photography business for over 30 years. His own experience growing up in a family-owned business has enabled him to help business owners succeed by crafting plans to address their fundamental questions, such as: What is my exit plan? How will I support my family when I decide to leave or sell my business? How do I use my business to maximize my personal wealth? How do I realize and protect my biggest asset – the value of my business?
Justin earned his Bachelor of Business Administration in Entrepreneurship from Hofstra University, and his early career centered on successfully starting, managing and exiting several businesses in the health and wellness industry. Justin’s financial services career began in 2011 when he joined Commonwealth Financial Group.
In 2015, Justin received the 4 under 40 Award for the National Association of Insurance and Financial Advisors (NAIFA MA) – recognized for his growth and success in the industry.
Outside of the office, Justin volunteers his time with Raising a Reader MA – A non-profit focused on helping childhood literacy in urban neighborhoods - and is involved in real estate development in the Greater Boston Area. Justin, his wife Lydia and their two children reside in Needham.
Questions? Let’s Chat.
Feel free to reach out with any questions about our services or if you just want to send a personal note.
Victor Haerinck | Associate
Contact Information
603.691.2391
vhaerinck@financialguide.com
20 Trafalgar Square, Suite 442
Nashua, NH 03063
Lets chat.
Feel free to reach out with any questions about our services or if you just want to send a personal note.
Douglas Greene | Financial Advisor
Contact Information
Mobile (call only). 781.640.5718
douggreene@financialguide.com
280 Congress Street, Suite 1300
Boston, MA 02210
Lets chat.
Feel free to reach out with any questions about our services or if you just want to send a personal note.
Anna Harper | Financial Advisor
Contact Information Mobile. 508.297.7102
Office. 508.430.7288
aharper@financialguide.com
100 Independence Drive, #7-411
Hyannis, MA 02601
Lets chat.
Feel free to reach out with any questions about our services or if you just want to send a personal note.
Jon Freedman | Financial Advisor
Contact Information Mobile. 978.300.7359
Office. 978.579.7900
jfreedman@financialguide.com
389 Boston Post Road
Sudbury, MA 01776
Lets chat.
Feel free to reach out with any questions about our services or if you just want to send a personal note.
Ian Frederick | Partner and Financial Planner
Contact Information Mobile. 603.691.2394
Office. 603.930.2732
ifrederick@financialguide.com
875 Greenland Road, UNIT B5
Portsmouth, NH 03801
CFBS
Ian Frederick joined Commonwealth Financial Group in 2008. Prior to that he worked in the banking industry.
During his two years in banking, Ian came across hundreds of families and business owners that were far from prepared for major life events like retirement, paying for college tuition, or operating a prosperous business. They lacked financial protection for their loved ones in the case of death or disability. In Ian’s experience, this unpreparedness was not a result of having insufficient cash flow, but due to a lack of education and a trustworthy advocate to help with planning. Seeing that the need existed, Ian chose to move away from the corporate setting and start his own financial planning practice.
Financial planning is an ever-evolving and complex process. Ian has been recognized as an advisor who is dedicated to educating families and businesses on sound financial principles that help ensure their long-term financial success. His approach to financial planning is to develop personal and lifelong relationships with his clients to understand their unique situations and goals. Clients appreciate his willingness to work collaboratively with their other professional advisors, including attorneys and CPAs, to manage the design and implementation* of a clear, comprehensive plan.
Ian holds the Certified Family Business Specialist (CFBS) designation. The knowledge Ian has gained from this certification allows him to understand the emotional issues confronted by owners contemplating a transition of their business. He can identify financial issues regarding succession planning and recognize tax and financial considerations regarding transitioning a business. Ian also works with business owners to develop employee benefits in order to help attract and retain top talent.
Ian graduated from the University of New Hampshire Whittemore School of Business and Economics in 2006. Through hard work and commitment to his practice, Ian was awarded Rising Leader recognition by Massachusetts Mutual Life Insurance Company (MassMutual) in 2010. He qualified for MassMutual’s prestigious annual Leaders Conference in 2011, 2015, 2016, 2017, 2018 and 2019. In 2019, Ian was recipient of the National Association of Insurance and Financial Advisors’ Four Under 40 Award.
Ian lives in Hampton, NH with his wife, Kelley, and their two sons, Cooper and Ryan. He volunteers with and serves on the Board of Directors for Special Olympics of New Hampshire. SONH’s mission is to provide year-round sports training and athletic competition in a variety of Olympic-type sports for children and adults with intellectual disabilities, giving them continuing opportunities to develop physical fitness, demonstrate courage, experience joy and participate in a sharing of gifts, skills and friendship with their families, other Special Olympics athletes and the community. In his spare time, he enjoys golfing, skiing, and spending time at the beach with family and friends.
Questions? Let’s Chat.
Feel free to reach out with any questions about our services or if you just want to send a personal note.
Lynn Foley | Financial Advisor
Contact Information
207.632.4765
lynnfoley@financialguide.com
14 Stonewall Way
Falmouth, ME 04105
Lets chat.
Feel free to reach out with any questions about our services or if you just want to send a personal note.
Gary Farley | Financial Advisor
Contact Information Mobile. 207.209.2668
Office. 207.990.3373
garyfarley@financialguide.com
21 Main Street, Suite 204
Bangor, ME 04401
Lets chat.
Feel free to reach out with any questions about our services or if you just want to send a personal note.
Bob Doak | Financial Advisor
Contact Information Mobile. 617.272.7340
Office. 617.526.9302
rdoak@financialguide.com
280 Congress Street, Suite 1300
Boston, MA 02210
Lets chat.
Feel free to reach out with any questions about our services or if you just want to send a personal note.
Jim Ditzel | Senior Partner & Financial Advisor
Contact Information Mobile. 617.295.7701
Office. 781.374.7441
jditzel@financialguide.com
25 Recreation Park Drive, Suite 106
Hingham, MA 02043
MSM, CFP®, CLU®, ChFC®, CASL®
Jim joined the agency in February of 2014 as a Sales Manager. Currently, Jim is a recruiting, development and productions officer.
Prior to working at CFG Jim worked at Northwestern Mutual for fourteen years. He graduated from Bentley College with a degree in Finance. Jim also received a Masters degree in Management from The American College.
Jim currently resides in Norwell, MA with his wife Amy, who is a Nurse Practitioner for Children’s Hospital, and their two children James and Hannah. In his spare time Jim enjoys playing golf, traveling, boating, and scuba diving. Jim is also involved in charities, such as March of Dimes.
Questions? Let’s Chat.
Feel free to reach out with any questions about our services or if you just want to send a personal note.
John DiRuggiero | Financial Advisor
Contact Information
Mobile (call only). 908.377.6810
jdiruggiero@crosscoastaladvisors.com
197 First Ave, Suite 250
Needham, MA 02494
John partnered with Commonwealth Financial Group in 2015. After successfully growing his business in Burlington, Vermont, he relocated to Boston, Massachusetts, and now continues to expand his planning practice and leverage his extensive professional network to benefit his dynamic client base. He works with entities ranging from business owners in the trades, families with young children, and individuals actively engaged in various supplemental business opportunities, including real estate. John's enthusiasm for comprehensive planning is demonstrated through the implementation of progressive investment and risk management strategies on behalf of his clients.
John recognizes that financial planning can be an emotional journey. After experiencing the sudden death of his mother during childhood, he understands firsthand the importance of being properly educated about financial planning strategies and the role education plays in securing future financial independence. His unique perspective and experience make him an excellent resource for his clients as he guides them in preparing for life's next steps and uncertainties. He seeks to properly educate his clients by recommending circumstance-appropriate financial strategies while connecting with them on both a professional and personal level.
John resides in Boston with his wife Emily, dog Juniper, and cats Tina and Gus. He enjoys outdoor activities, traveling, and exploring new business opportunities. John's passion for travel has taken him to 48 out of the 50 United States. He is a recipient of the 2021 NAIFA 4 under 40 award and a proud Eagle Scout, embodying the values of integrity, service, and leadership in both his professional and personal life.
Questions? Let’s Chat.
Feel free to reach out with any questions about our services or if you just want to send a personal note.
Gary Dennis | Founder & Managing Partner
Contact Information Mobile. 508.456.5631
Office. 617.526.9328
gdennis@financialguide.com
www.towerhillfinancial.com
197 First Avenue, Suite 250
Needham, MA 02494
Tower Hill Financial Group
Gary is the Founder and Managing Partner of Tower Hill Financial Group. His mission is to help his clients identify and map out their current financial picture, and define their future financial goals. Alongside an integrated team of specialists, Gary provides innovative and strategic solutions using world-class insurance services and internationally recognized investment products. Through these efforts, Gary is able to develop enduring relationships with his clients across the United States.
Described as gregarious and warm by friends and colleagues, Gary is the first to admit that he thrives on human connection. His innate ability to connect with others has played a huge factor in his success in the financial services world, where he has built a business around the notion of giving his personal philosophy for life.
Community and social activism remain paramount to Gary’s daily habits and mores. He has served on numerous boards, including Marcus Smart’s YounGameChanger Foundation, The Van Noy Valor Foundation and is currently a Board Member for The Cole Strange Foundation. He has served as a past board member at Newbridge on the Commons (Assisted Living) and the Wayland-Weston Rowing Association.
Gary is a member of the Boston Estate Planning Council (BEPC), and from 2000-2023 has been a member of the Million Dollar Round Table (MDRT), which is a membership of the top 2% of financial professionals in the world. Gary is among the select wealth managers in the Boston area who was named Top Wealth Manager by Five Star Professional in 2022 and 2023*. He was featured in Boston Magazine, Fortune Magazine, and the Wall Street Journal.
Gary graduated from Roger Williams College, has three children, and resides in the suburbs of Boston.
*This award has been awarded by Five Star Professional on 2/1/2023 for the following period 5/23/21- 12/2/21.
Questions? Let’s Chat.
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Randy Cushing | Financial Advisor
Contact Information
617.202.3778
rrcushing@financialguide.com
25 Recreation Park Drive, Suite 106
Hingham, MA 02043
Lets chat.
Feel free to reach out with any questions about our services or if you just want to send a personal note.
Mark Condon | Financial Advisor
Contact Information Mobile. 781.357.6062
Office. 617.526.8204
markcondon@financialguide.com
280 Congress Street, Suite 1300
Boston, MA 02210
Mark joined Commonwealth Financial Group in May of 2017. Prior to joining CFG, Mark owned a snack franchise for Snyder's-Lance for 12 years. After spending many mornings waking up at 3am, Mark was interested in pursuing a different career. After being introduced to CFG he decided the opportunity was too good to pass up.
Through his strong determination to succeed, Mark connects with his clients on a personal level in order to help them better understand the steps that can lead them to financial independence come retirement.
Mark is originally from Stoughton, MA, where he grew up with three sisters; one older and two younger. He now lives in Easton, MA. Mark enjoys golfing, camping, grilling on summer nights, and Boston sporting events.
Questions? Let’s Chat.
Feel free to reach out with any questions about our services or if you just want to send a personal note.