|
Robert T. Ryan, JD, CFP®
 Bob has been a leader in the financial planning community for the past 10 years. He began by building a successful solo practice, serving high net worth clients, including many people in the medical professions.
He is known for his expertise in developing customized investment strategies for clients. The strategies utilize academically-tested techniques based on the research of Professors Eugene Fama (University of Chicago) and Ken French (Dartmouth), and later by Dimensional Fund Advisors.
Bob began his career in financial services in the insurance industry, where he was responsible for educating insurance agents about estate planning and the intricacies of life insurance policies. He also served as a contracts advisor, conducting nationwide training. His career in financial planning evolved as he earned a Masters degree and worked for a Boston-based advisory firm.
During the course of his career, he has been quoted in national publications including Money Magazine and Investment News, as well as local newspapers and the Boston Globe. He has co-authored instructional materials, and is teaching a course on life insurance to NAPFA financial planners.
Industry Designations:
CFP® professional
Chartered Financial Consultant (ChFC)
Certified Employee Benefit Specialist (CEBS)
Education:
Tufts University (BA)
New England School of Law, Juris Doctor (JD)
Bentley College, Master of Science, Personal Financial Planning (MS)
Memberships/Affiliations:
Massachusetts Bar
National Association of Personal Financial Advisors (NAPFA) Registered Member
Essex County Estate Planning Council
Licenses/Registrations:
Registered Investment Advisor Representative, Massachusetts and New Hampshire
Community Service:
Wakefield Chamber of Commerce
North Suburban Chamber of Commerce – serving Bedford, Billerica, Burlington, Carlisle, Concord, Lexington, Lincoln, North Reading, Reading, Stoneham, Wakefield, Wilmington, Winchester, and Woburn.
Thomas G. Dwyer, EA, CFP®
 Tom’s core strength is in tax planning, and its impact on overall financial planning. He earned the Enrolled Agent designation with the IRS, which led to the beginning of his business in 1998 as a fee-only advisor. Tom has in-depth knowledge of tax planning for clients entering retirement, with RMD (required minimum distributions) and beneficiary designations as they impact estate planning. Additionally, he has expertise in portfolio tax strategies, along with the sales of stock options. In 2003 he merged his fee-only financial planning firm with Bob’s, creating Resolute Financial, LLC.
Prior to becoming an advisor, Tom worked in various positions within banking, mutual funds, and information systems.
He enjoys his community service with the Red Cross, and as a coach in youth soccer.
Industry Designations:
CFP® professional
IRS Enrolled Agent (EA)
Education:
Lawrence University, Appleton, WI. (BA)
Boston University, Certificate in Financial Planning
Memberships/Affiliations:
Merrimack Valley Estate Planning Council
National Association of Personal Financial Advisors (NAPFA) Registered Member
Licenses/Registrations:
Registered Investment Advisor Representative, Massachusetts and New Hampshire.
Notary Public (MA)
Registered Tax E-Filer
Community Service:
Board Member, American Red Cross of Northeast Massachusetts - serving Amesbury, Beverly, Byfield, Essex, Gloucester, Hamilton, Ipswich, Manchester-by-the-Sea, Marblehead, Newbury, Newburyport, Rockport, Rowley, Salisbury, Wenham and West Newbury.
Coach, Newburyport Youth Soccer Association
Charles M. Johnson,
MBA, CFP®
 Chuck applies his skills to the needs of small business owners, independent contractors, and those in high tech and health care services. His experience includes implementing financing and succession strategies, and 20 years of co-owning a family business. As co-owner and CFO, his job included mergers and acquisitions, employee benefits, and 401k plan investments.
There has been a steadily increasing interest in Socially Responsible Investing (SRI) and Chuck has provided the knowledge to help clients meet their goals. He is particularly interested in environmental and climate-change issues. He has written articles for newspapers and been quoted in the financial press.
Chuck's interests also include the role of the family in financial decision-making, and generational wealth transfer. Within the community, he is active in Newburyport public education and environmental awareness, and is a financial instructor in Newburyport Adult Education classes.
Industry Designations:
CFP® professional
Education:
WPI (BSM.E.)
Cornell University (MBA)
Boston University, Certificate in Financial Planning
Foundation for Fiduciary Studies, Pittsburgh, PA. Certification as an Accredited Investment Fiduciary (AIF®) for ERISA pension plans.
Memberships/Affiliations:
Financial Planning Association (FPA)
National Association of Personal Financial Advisors (NAPFA), Registered member. Social Investment Forum, Member (Investment professionals in Socially Responsible Investing)
Licenses/Registrations:
Registered Investment Advisor Representative, Massachusetts and New Hampshire.
Community Service:
Board of Directors, NEBC (Newburyport Education-Business Coalition)
Greater Newburyport Chamber of Commerce – serving the Massachusetts towns of Newburyport, Amesbury, Salisbury, West Newbury, Merrimac, Groveland, Georgetown, Rowley, Ipswich, Topsfield, Boxford, Middleton, Danvers, Lynnfield, Andover, North Andover, and Haverhill. In New Hampshire, the towns of Seabrook, and Hampton.
Our Continuing Commitment to You
Several of the organizations noted above impose significant Continuing Education requirements for maintaining membership. This is important when you consider that over the past several decades all of the advances in financial management have come from Academic circles, not Wall Street. To benefit from current and future objective investment concepts, consumers need access to impartial, professional, educated advice, not commission driven sales.
Further, as members of NAPFA - an association of Fee-Only advisors - we must adhere to the strict code of ethics of each organization. Members maintain a fiduciary duty to their clients, meaning your interests are paramount.
|
