Financial Services
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Lisa Cremonini, MBA, CFP ®
Capitol Financial Advisors
One Hollis Street Suite 301, Wellesley MA 02482
Phone: (781) 237-5205 ext 124
Fax: (781) 239-3326
Email: Lcremonini@cfaemail.com
Website: www.capitolfinancialadvisors.com
Providing independent financial counseling and services to individuals and attorneys involved in
the divorce process. Assessing the big picture through comprehensive financial planning
including: cash flow, budgeting, retirement, estate and investment options.
Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Advisor.
David M. Gaffin, MBA, Senior Loan Officer
Greenpark Mortgage Corporation
140 Gould St., Needham, MA 02494
Phone: (781) 726-6095 x157
Fax: (781) 726-6731
Email: dgaffin@greenparkmortgage.com
Website: www.greenparkmortgage.com/davidgaffin
Blog: TheMassachusettsMortgageBlog
David M. Gaffin is a Senior Loan Officer for Greenpark Mortgage Corporation, based in Needham MA. In 2010, Greenpark was the 2nd largest private lender in Massachusetts.
David is a Nationally and State licensed loan officer in the states of MA, NH, VT, FL and MS. As a licensed loan professional, David has a fiduciary obligation to his clients to offer them the best product for them based on their needs.
David holds his MBA from Boston College and has been working in the financial area for more than 15 years.
The financial implications of divorce, particularly when a home mortgage is involved, can be confusing and emotional.
David has worked with many couples who find themselves contemplating or proceeding through divorce. Today’s lending guideline changes require constant review to ensure a smooth transaction.
David will help the clients navigate options to help determine the best solution for the parties to their financing needs at no charge.
HMS Financial Group
Herb Shapiro, President
Barbara Shapiro, Vice-President, CFP ®, CFS,CDFA, Registered Investment Advisor
333 Elm St., Dedham, MA 02026
Phone: (781) 251-2655
Fax: (781) 251-2656
Email: bshapiro@hms-financial.com
Website: www.bshapiro-cdfa.com
Barbara Shapiro is vice president of HMS Financial Group, a full-service investment and financial planning firm. Currently, she serves as Regional Director of Institute of Certified Divorce Financial Analysts (IDFA) and is treasurer of The Divorce Center.
As an experienced teacher, Barbara has written, developed and taught courses on financial planning and investments. She has also lectured to professional groups throughout the country on divorce financial
analysis, investing, long-term care insurance, and divorce planning. As a financial expert, Barbara has been a guest on New England Cable News' "Business Day" program, and Fox TV news, serving as an authority on women and finance. A well known, highly respected professional in the field, Barbara has been interviewed by USA Today, the Boston Herald, the Boston Globe, the Boston Business Journal, "That Money Show," Information Week, Investment News, "The Law Show," "CNN Lookout," "CNNfn.com," NPR's "The Connection," and WBZ News radio, as well as many others. She also served as a columnist for Physician's Money Digest, submitting editorials on different aspects of finance and planning and has co-authored an article on divorce that appeared in the July 2007 edition of Boston Magazine.
Barbara holds various degrees including Master of Education in Counseling (Boston
University),Master of Education in Moderate Special Needs with an additional Severe Special
Need Certification (Northeastern),and Master of Science in Finance (Suffolk
University).
With over 40 years experience in the securities industry, Herb has experienced all types of markets and most economic situations. Herb and Barbara work together in determining the best investments for their post divorce clients.
Securities and advisory services offered through Cadaret Grant, Member FINRA/SIPC, a Registered Investment Advisor.
Barbie Jetter, M.S., CPC, CDPP, Regional Lending Manager
Bank of Canton
490 Turnpike Street, Canton, MA 02021
Cell: (508) 353-0744
Office: (781) 830-6279
Fax: (508) 297-1441
E-fax: (781) 830-6479
Email: bjetter@thebankofcanton.com
Website: http://www.ibankcanton.com/bjetter.aspx
Barbie Jetter is a licensed Mortgage Advisor/Mortgage Lending Manager for the Bank of Canton, a Certified Mortgage and Divorce Planning Professional (CDPP), Certified Professional Life Coach (CPC), holds an MS degree in Counseling from Boston University and is a Certified Instructor for the Court Mandated Parenting Program. She has successfully completed the Management Development Program in Residential Lending from Northeastern University and has been trained in the Collaborative and Mediation process.
As Mortgage Advisor who stays well informed on all financing changes affecting potential borrowers, an experienced counselor, and a professional coach, Barbie is able to work with individuals or couples together, to resolve their housing/real estate issues and achieve their housing goals through communication, evaluation, preparation and then to qualification with the best rate/term for a refinance and/or purchase of a house. She is able to listen to her clients and advise them on how to seek the best alternatives and solutions, while saving time and money.
Barbie has served as president of The Divorce Center since 2010; Co-President since 2007, formerly was chairperson of the Public Education and Marketing committees focusing on promoting, growing and expanding The Divorce Center's programs and membership.
Carol M. Khouri, CFP ®, CDFA™
Wingate Financial Group, Inc.
450 Bedford St., Lexington MA 02420-1547
Phone: (781) 862-7100
Fax: (781) 861-9707
Email: carolk@wingatefinancialgroup.com
Carol has been providing financial planning and investment advice to clients for over 20 years.
As a Certified Financial Planner and a Certified Divorce Financial Analyst™ she is qualified to assist clients in financial
decisions to ensure an equitable division of assets. After having experienced her own divorce, it is her desire to help clients navigate their financial affairs, and provide them with sound advice during a stressful time in their lives.
Susan M. Miller, Principal, MA, CPA, CFP, CDFA
Aurora Financial Advisors, LLC
180 Linden Street Suite 8A., Wellesley, MA 02482
Phone: (781) 239-9996
Fax: (781) 239-1551
Email: smiller@aurorafa.com
Website: www.AuroraFA.com
Susan Miller is a Principal with Aurora Financial Advisors, LLC. She holds bachelors and masters degrees in Economics,
is a Certified Public Account (CPA), Certified Financial Planner (CFP), Certified Divorce Financial Analyst (CDFA),
and is a trained mediator. Susan has been providing investment advice, financial planning and tax strategies to individuals and small businesses for over 20 years.
She is a member of the Board of Directors of the International Academy of Collaborative Professionals and is the Treasurer of the Massachusetts Collaborative Law Council.
Susan works extensively with lawyers, mediators and clients to address financial issues that arise in the divorce process.
Susan provides a wide variety of financial planning assistance for individuals and couples involved in divorce. Typical issues addressed
include cash flow and budgeting analysis, tax-efficient child support and alimony payments, dependency exemption determination, division of
retirement and non-retirement assets - including marital home, education funding analysis future net worth projections of impact of proposed settlements on both spouses.
Additional complex tax issues may include stock compensation valuation and division, alimony recapture, and impact of Alternative Minimum Tax.
Aurora Financial Advisors, LLC (AFA) is an independent, fee-only Registered Investment Advisory Firm, specializing in creating individualized financial,
investment and tax strategies for individuals, including those contemplating life transitions such as divorce and retirement.
Renee W. Senes, CDFA
Senes & Chwalek Financial Advisors.
152 East Bare Hill Road, Harvard MA 01451
Phone: (978) 456-9600
Email: rsenes@investorscapital.com
Website: www.senesandchwalek.com
Senes & Chwalek offers investments, portfolio management, retirement planning, college planning and insurance to help individuals, families and business owners achieve their financial goals.
Our offices are in Harvard and Concord.
Renee is also a Certified Divorce Financial Analyst (CDFA). She specializes in working with clients and their attorneys through all phases of the divorce process to help them gather and compile financial information,
compare and contrast scenarios of possible settlements, and help them to grasp the impact of the various options both now and for their future well being. Having gone through a divorce herself,
Renee’s desire is to help her clients understand and manage the financial issues so they can look forward to financial independence, a stable future and comfort and competence dealing with money.
A frequent lecturer, Renee covers topics including:
- Managing your Finances
- Women and Investing
- Money and Divorce
- Retirement Planning for Small Business
Renee is an active member of her community where she is on the Steering Committees of the Women’s Business Network and Acton Singles Social Club; serves as Treasurer for the Friends of the
Harvard Council on Aging; and is a consultant to the Special Educational Surrogate Parent Program providing services to children in the custody of the Department of Children and Family Services.
A former teacher, Renee enjoys educating her clients and encouraging them to be active participants in their financial futures.
Securities Offered Through Investors Capital Corporation, Member FINRA, SIPC
Laurie Star
Friedman, Suvalle & Salomon, P.C.
70 Wells Avenue, Newton MA 02459
Phone: (617) 641-0040 ext. 231
Fax: (617) 641-0090
Email: star@fsscpa.com
Website: www.fsscpa.com
Laurie Star leads the Family Office Services at Friedman Suvalle & Salomon PC, a top 50 Massachusetts full service accounting firm. She is a graduate of the University of Massachusetts at Amherst with a BS in Economics.
Laurie has 10 years of experience assisting clients with all pre-divorce financial forms and documents. As a certified QuickBooks ProAdvisor, she helps individuals become more organized by teaching them the important skill of using personal financial software. Laurie provides these services in cost effective manner. Her exceptional rapport with her clients enhances this critical and sensitive phase in the divorce process.
The professionals at Friedman Suvalle & Salomon understand the financial and tax impact of divorce and specialize in assisting people during this challenging stage in their lives. They work closely with you and your other advisors during the pre- and post-divorce period to build a financial plan that can meet your needs. By combining our accounting and tax expertise with your legal and other professional advisors, it is possible to reach a coordinated solution which will result in a more positive short and long-term future.
Frank R. Zito, CPA, JD, LLM, CFE, Managing Director
CBIZ Tofias
350 Massachusetts Ave., Cambridge, MA 02139
Phone: (617) 761-0510
Fax: (617) 761-0601
Email: FZITO@CBIZTOFIAS.COM
Website: www.cbiztofias.com
Mr. Zito evaluates assets and income for parties involved in marital dissolutions and has testified on the sources of income
available for support and the value of business interests in various Probate courts in the Commonwealth. He has been retained
as a joint expert to act as a financial consultant to the respective parties in probate matters and has been appointed by the Court
as a Master to assist in resolving financial issues.
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