Financial Services
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Leigh Bivings, Ph.D., CFP ®, CDFA
Artemis Financial Advisors
54 Chandler Street, Boston MA 02116
Phone: (617) 542-2420
Fax: (617) 542-0011
Email: lbivings@artemisadvisors.net
Leigh Bivings, Ph.D., CFP ® is the founder of Artemis Financial Advisors and is a Certified Divorce Financial Advisor (CDFA), trained specifically in the financial issues of divorce. She brings an interdisciplinary approach to the challenges of divorce with her knowledge of investments, financial planning, and Massachusetts divorce laws.
Leigh focuses her work on supporting clients and their attorneys to fully analyze the short- and long-term financial implications of divorce settlement proposals, and provide solutions to complicated settlement issues such as stock options and valuing closely-held businesses. Post-divorce, she helps clients transition successfully to an independent life by assisting with long-term financial planning, general financial education, and investment management.
Leigh has a Ph.D. in applied economics from Stanford University, an M.A. in International Trade and Finance from the University of Sussex, and an A.B. in International Relations from Pomona College. She has received a variety of awards, most notably the AAEA National Prize for Most Outstanding Doctoral Dissertation in 1993.
Leigh is very active in the community and currently serves on the Board of YWCA Boston and is also active in the Big Sister Association of Greater Boston. She is a member of the Boston Economic Club, Boston Estate Planning Council, Financial Planning Association, National Association of Personal Financial Advisors, and the Association of Divorce Financial Planners.
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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.
Richard M. Ellington, CFP ®, CDFA, CEBS, AIF, Financial Planner
Trilogy Financial Services, Inc.
400 Trade Center, Suite 4850, Woburn, MA 01801
Phone: (781) 933-6533 x2618
Fax: (781) 933-6833
Email: rich.ellington@trilogyfs.com
Website: www.trilogyfs.com
Richard Ellington advises couples, families, individuals and businesses with prudent consultative financial planning. His mission is to provide innovative, practical, top-quality strategies and solutions that meet his clients’ financial needs. With access to attorneys, tax planning experts, coaches and therapists, he is well equipped to work with clients of any net-worth who are going through the emotional, stressful and confusing process of divorce.
Being a student of his profession, Rich is a CERTIFIED FINANCIAL PLANNER™ certificant (CFP ®), a Certified Divorce Financial Analyst (CDFA), a Certified Employee Benefits Specialist (CEBS) and an Accredited Investment Fiduciary (AIF). He has instructed various courses at Suffolk University and Merrimack College for those professionals trying to obtain the Certified Financial Planner™ (CFP ®) designation and the Certified Employee Benefits Specialist (CEBS) designation.
Rich has 20 plus years’ experience working with employee benefits such as retirement plans and over 10 years working as a financial advisor. He has worked in various settings and has a good feel for how the industry works. Before becoming affiliated with Trilogy Financial Services, he worked at one of Commonwealth Financial Network's largest branch offices, owned his own financial planning practice through Investors Capital and started his career as a financial advisor working at Waddell & Reed.
Securities and Advisory Services offered through NATIONAL PLANNING CORPORATION (NPC), Member FINRA, SIPC. NPC is a Registered Investment Adviser. Trilogy Financial Services, Inc. and NPC are separate and unrelated entities.
David M. Gaffin, MBA, CMHS. Senior Loan Officer
Greenpark Mortgage A Division of Berkshire Bank
140 Gould St., Needham, MA 02494
Office: (781) 726-6095 x157
Cell: (508) 254-2645
Fax: (781) 726-6757
NMLS #24773
Email: dgaffin@greenparkmortgage.com
Website: www.greenparkmortgage.com/davidgaffin
Blog: TheMassachusettsMortgageBlog
David M. Gaffin is a Senior Loan Officer for Greenpark Mortgage, A Division of Berkshire Bank, based in Needham MA. David is a Federally registered loan officer and can work in all of New England, FL and MS. As a 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, is a Certified Military Housing Specialist 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.
David H. Goodman, MBA, CPA/ABV/CFF,CVA
Gosule, Butkus & Jesson LLP
480 Adams St., Milton, MA 02186
Office: (617) 698-3950
Fax: (617) 696-1576
Email: dgoodman@gbj-bestcpa.com
Website: www.gbj-bestcpa.com
In the area of family law, we can assist with asset determination, income determination, business valuation, child support v. alimony and property settlement. As CPAs, we have knowledge of the complex tax laws effecting property settlements, and alimony and child support. Our philosophy is to apply the Five C's of quality service: Competence, Caring, Curiosity, Consistency, and Communication.
Les Gosule, CPA, PFS, MST, CVA
Mainsail Advisors
480 Adams St., Milton, MA 02186
Office: (617) 698-3950
Fax: (617) 696-1576
Email: les@gbj-bestcpa.com
Website: www.mainsailstrategies.com
By focusing on the people and the process, and not just on the product, we help our clients work to achieve their goals at every stage of life. Whether planning for the education of your children, your retirement, or simply helping you to avoid unnecessary risk, our team of experienced financial professionals uses our core values of integrity, objectivity, service and stewardship along with in-depth technical competence to create a comprehensive plan designed to identify and overcome financial issues and problems, manage investments and minimize income and estate taxes.
We help you evaluate your current financial position, define your goals and objectives, evaluate your tolerance for risk, and develop a plan of action that incorporates all of these elements. Furthermore, we work with you to monitor the plan on a regular basis to ensure that it continues to meet your needs.
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.
Laurie Ingwersen, CFP ®, CRPC, CDFA, Account Vice President-Investments
UBS FInancial Services
55 Williams St., Wellesley, MA 02481
Phone: (781) 446-8982
Email: Laurie.Ingwersen@ubs.com
As a Certified Divorce Financial Analyst (CDFA), Laurie can forecast the long-term financial effects of the divorce settlement. Laurie works with clients individually or as couples, helping them to come to grips with the financial reality of their divorce situation. Developing comprehensive insight of the short and long-term financial effects of divorce can save valuable time, money and distress, especially if the process is conducted early in the legal proceedings.
Laurie is also a Certified Financial Planner (CFP) and Chartered Retirement Planning Counselor (CRPC). Her knowledge is key in assisting clients as she works with them towards a worry-free financial future. She specializes in insurance, annuities and divorce planning and can assist in all aspects of investment and estate planning strategies. Laurie is also a member of the Northeast Human Resource Association, the Boston Estate Planning Council and the Institute for Divorce Financial Analysts.
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 Wealth Advisors
450 Bedford St., Lexington MA 02420-1547
Phone: (781) 862-7100
Fax: (781) 861-9707
Email: carolk@wingatewealthadvisors.com
Carol is a principal with Wingate Wealth Advisors. She is an accomplished financial advisor who specializes in creating financial solutions for women. With more than 25 years experience, she accomplishes this through comprehensive financial planning, objective investment management and partnering with other specialists as needed to ensure a cohesive, long term plan.
After working closely with her clients to develop a customized strategy to allow them every opportunity to reach their goals, Carol remains actively involved to ensure her clients have consistent support for their everyday needs. She has helped hundreds of women overcome the often complex financial challenges posed by life changing events such as divorce, retirement, elder care and the loss of a spouse. Carol's goal is to empower women during their transitions and beyond.
In addition to being a Certified Financial Planner ® and a Certified Divorce Financial Analyst, she has been honored by her colleagues and clients with Five Star Wealth Manager recognition.
Sheila May, CPA, Masters of Taxation
Forensic Accounting & Litigation Support
147R Glades Road, Scituate, MA 02066
Phone: (888) 998-0698
Fax: (888) 998-0758
Email: shejmay@gmail.com
Website: thetruthisinthenumbers.com
Blog: thetruthisinthenumbers.wordpress.com/
Sheila May, CPA, Masters of Taxation, performs forensic accounting and litigation support services. She specializes in hidden income working,
in particular, with cases involving sole proprietorships, small businesses, and partnerships. Sheila May has over 15 years experience
in the financial services industry including financial planning.
She assists lawyers, legal professionals, and individuals by deciphering, quantifying, and presenting financial information. She
evaluates financial assets and income for accuracy and value. In addition, she prepares clear visuals explaining the results of her
research. Ms. May has also worked as a court appointed receiver overseeing the operations and sale of a marital asset, a store, that
was in danger of being run into bankruptcy during divorce proceedings.
Dedicating herself to meticulous and thorough evaluation, Sheila May provides the information needed to help one make informed financial
choices. She helps clients and their families stay in the best financial position possible.
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.
Diane C. Pappas, CDFA
Insight Financial Strategists, LLC
P.O. Box 129, Arlington, MA 02476
Phone: (978) 833-6144
Email: diane.pappas@insightfinancialstrategists.com
Diane Pappas empowers families, divorcing couples, single parents, business owners, professionals and retirees with the financial knowledge they need to achieve their personal and financial goals. Diane's ability to empathize with her clients and to truly understand and appreciate each of their own unique circumstances, allows her to devise robust and down to earth solutions.
As a single Mom of two college-age children, Diane understands the complex challenges both men and women face in today's world. Drawing on over 20 years of life and work experience, Diane develops wealth strategies and plans that solve her clients‚ short and long term issues. She is passionate about educating her clients so that they are informed and in control of the important financial decisions they are making. Diane's specialty is Divorce Financial Planning.
Heather Kinney Poirier, CPA
P.O. Box 36, Wrentham, MA 02093
Phone: (508) 954-1023
Email: hkpoirier@comcast.net
Providing tax services to individuals and businesses in the Metrowest area.
Renee W. Senes, CDFA
Senes & Chwalek Financial Advisors.
152 East Bare Hill Road, Harvard MA 01451
Phone: (978) 456-9600
Fax: (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
Frank R. Zito, CPA, JD, LLM, CFE, Managing Director
CBIZ Tofias
500 Boylston St., Boston, MA 02116
Phone: (617) 761-0510
Fax: (617) 761-0601
Email: fzito@cbiztofias.com
Website: www.cbiztofias.com
Business and valuation advice in marital dissolutions involving the determination of income and allocation of assets.
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