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calendar dmaloni@charteroakfinancial.com

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areas_of_practiceInvestment Strategies

focus_markets

• Families
• Businesses

advisor_title Financial Advisor

address_1 330 Whitney Avenue, Suite 600

address_city Holyoke

address_state MA

address_zip01040

office_phone(413) 539-2327

mobile_phone

email dmaloni@charteroakfinancial.com

biographyI focus my practice on the retirement planning, risk management and investment management needs of families and business.

Prior to joining Charter Oak, I worked for another large financial services company.

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calendar jworobow@charteroakfinancial.com

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areas_of_practiceBusiness + Tax Planning

focus_markets

• Restaurant Owners
• Federal + State Employees
• Medical Professionals
• Associations

advisor_title Financial Services Professional

address_1 2 Forest Park Drive

address_city Farmington

address_state CT

address_zip06032

office_phone

mobile_phone(860) 808-6131 (Call Only)

email jworobow@charteroakfinancial.com

biographyI focus my practice on the wealth and risk management, business and tax planning, estate planning, and retirement planning needs for restaurant owners, federal and state employees, and medical professionals and associations.

Prior to joining Charter Oak, I worked for two other large financial services companies.

Outside of the office, I am an avid skier, who also enjoys playing the piano and guitar. When I'm not doing that, I enjoy water sports and spending time with my family and friends.

Born and raised in Avon, CT, I currently reside in Farmington, CT with my wife, Emma.

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calendar lgiangrande@charteroakfinancial.com

linkedin https://www.linkedin.com/in/lou-giangrande-3841a958/

areas_of_practiceFinancial Planning

focus_markets

• Families
• Individuals
• Businesses
• Business Owners

advisor_title Financial Advisor

address_1 555 Heritage Road, Suite 204

address_city Southbury

address_state CT

address_zip06488

office_phone(203) 359-5311

mobile_phone(914) 907-3060 (Call Only)

email lgiangrande@charteroakfinancial.com

biographyI focus my practice on the financial planning, retirement planning, and risk management needs of families, individuals, businesses, and business owners.

Prior to joining Charter Oak, I worked as a television producer for the History Channel’s “Pawn Stars” and “Alone”, Food Network’s “Best Thing I Ever Made” and the Discovery Channel’s “Yukon Men” among many other productions. Working for years in a freelance capacity forced me to be my own boss, which helped me truly understand the impact and importance of being organized and having a plan.

In partnering with the Heritage Team at Charter Oak Financial, I have built my practice based upon the principles of honesty, trust, and transparency, which has allowed me to empower my clients to confidently pursue their dreams.

Outside of the office, I am an avid guitar player who loves performing. I also enjoy running, watching sports and films, and spending time with family.

I live in Westchester County, NY with my wife, Annie and our two children.

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calendar rkauffman@financialguide.com

linkedin https://www.linkedin.com/in/robert-kauffman-3ab35660/

areas_of_practiceAsset Protection

focus_markets

advisor_title Financial Services Professional

address_1 2321 Whitney Avenue, Suite 402

address_city Hamden

address_state CT

address_zip06518

office_phone(203) 859-7864

mobile_phone(203) 464-1990 (Call Only)

email rkauffman@financialguide.com

biographyThe will to excel has been my driving force for as long as I can remember. As a football player in my youth, I learned well the lessons of discipline and determination; of teamwork and collaboration; of setting goals and achieving them; and of contributing to a larger community. In my work with my clients planning for the events that will occur in their lives, I use my knowledge and experience, and the skills that I honed as an athlete to guide them toward financial security – helping to build, protect, and preserve their wealth.

My career as a financial professional was inspired largely by my father, Bill Kauffman, who was a life insurance agent for 52 years. Throughout my childhood, I saw first-hand how my father made a successful career out of helping people protect their families and businesses with insurance. While I knew I wanted a career in sales, the values I learned from my father, along with courses I took in college taught me the power and versatility of life insurance, convinced me that this was the right career. Now, after 30 years in the financial services industry, I have become well-known in the community as a trusted financial professional and a family friend to my clients.

In keeping with my commitment to volunteerism and community involvement, I have been a member of the Walter Camp Football Foundation since 1995 and was the Foundation’s president from 2015-2017. In 2019, I became co-owner of a restaurant in Branford, CT called The Stand Branford. I also volunteered for the Connecticut chapter of the Make-A-Wish Foundation as a Wish Granter, meeting eligible children and granting wishes.

A Connecticut native, I currently reside in North Haven, CT. I am the proud father of two children and love to travel in my free time.

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calendar ehopkins@financialguide.com

linkedin https://www.linkedin.com/in/edward-hopkins-chfc-cfbs-lutcf-cltc-b628083/

areas_of_practiceEducation Planning

focus_markets

• Individuals
• Families
• Small Businesses

advisor_title LUTCF®, CLTC®, ChFC®, CFBS

address_1 36 Devonshire Lane

address_city Madison

address_state CT

address_zip06442

office_phone(203) 258-1474

mobile_phone

email ehopkins@financialguide.com

biographyI specialize in investment and estate planning services, and have been practicing since 1983. I work primarily with individuals, families, and small businesses on their wealth management, estate planning and business succession planning needs.

In my previous role as Charter Oak’s investment specialist, I instructed my peers in topics related to securities, long term care and disability income insurance. My skills as an educator continue to greatly benefit my client relationships. I am a seasoned student as well; over the course of my career, I have earned my LUTCF® (Life Underwriter Training Council Fellow), CLTC® (Certification for Long Term Care), ChFC® (Chartered Financial Consultant), and CFBS (Certified Family Business Specialist) designations to deepen my knowledge and enhance the level of service I provide. I am also a Registered Investment Advisor.

Outside of the office, I enjoy spending time with my family and pursuing my many hobbies: real estate, painting, guitar, landscaping and gardening, and skiing.

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calendar alanlaporte@financialguide.com

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areas_of_practiceLife Insurance

focus_markets

• Individuals
• Families
• Small Businesses

advisor_title Financial Services Professional

address_1 330 Whitney Avenue, Suite 600

address_city Holyoke

address_state MA

address_zip01040

office_phone(413) 539-2351

mobile_phone

email alanlaporte@financialguide.com

biographySince 1999, my focus has been to help bring financial security to those who choose my services. I work with individuals and families as well as small businesses to help them protect and accumulate wealth.

Outside of the office, I coach youth football, basketball, baseball and soccer. I passionately support my three children in their academic and athletic endeavors. I also enjoy taking both of my furry four-legged children on walks around the lake and on hikes through the woods.

I reside in Sturbridge, MA with my wife, Kara, and our three children.

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calendar dgodek@charteroakfinancial.com

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areas_of_practiceDisability Income

focus_markets

advisor_title Financial Services Professional

address_1 330 Whitney Avenue, Suite 600

address_city Holyoke

address_state MA

address_zip01040

office_phone(413) 539-2300

mobile_phone

email dgodek@charteroakfinancial.com

biographyI focus my practice on retirement planning and insurance needs.

Outside of the office, I enjoy spending my time golfing and coaching youth sports.

I live in Agawam, MA with my wife and our two children.

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calendar pbonczkowski@financialguide.com

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areas_of_practiceLife Insurance

focus_markets

• Families

advisor_title Financial Services Representative

address_1 24 Century Hill Drive, Suite 105

address_city Latham

address_state NY

address_zip12110

office_phone(518) 220-3005

mobile_phone(518) 852-8815 (Call Only)

email pbonczkowski@financialguide.com

biographyI focus my practice on overall insurance needs for families which includes: life insurance, long and short-term disability and property + casualty insurance, while also focusing on wealth accumulation and retirement planning.

Prior to joining Charter Oak, I was a financial advisor with MetLife for over 30 years. Outside of the office, I enjoy spending my time fishing and following my grandchildren through their various extra curricular activities.

After residing in Clifton Park, NY for 30 years, my wife and I moved to a house on a beautiful lake in Saratoga Springs, NY.

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calendar geoffreycroteau@financialguide.com

linkedin https://www.linkedin.com/in/geoffrey-croteau-3519b113/

areas_of_practiceLife Insurance

focus_markets

• Business Owners
• Families

advisor_title Financial Advisor

address_1 330 Whitney Avenue, Suite 600

address_city Holyoke

address_state MA

address_zip01040

office_phone(413) 539-2384

mobile_phone(413) 222-4883 (Call Only)

email geoffreycroteau@financialguide.com

biographyI focus my practice on risk management and retirement planning for business owners and families. Prior to joining Charter Oak, I was a member of the United States Marine Corps and a real estate broker.

Outside of the office, I am involved with the Beavers Club of Western Mass and the Marine Corps League. I am an avid dog lover that enjoys spending time fishing, painting and watching my favorite teams, the New England Patriots and the Boston Red Sox. I live in Plymouth County with my wife, stepson and daughter.

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calendar jluddy@charteroakfinancial.com

linkedin https://www.linkedin.com/in/judith-luddy-clu-chfc-cltc-chsnc-ab568039/

areas_of_practiceRetirement Planning

focus_markets

• Families with Special Needs
• Individuals
• Business Owners

advisor_title CLU, ChFC®, CLTC®, ChSNC®, Special Care Planner

address_1 330 Whitney Avenue, Suite 600

address_city Holyoke

address_state MA

address_zip01040

office_phone(413) 539-2367

mobile_phone(413) 537-7615 (Call Only)

email jluddy@charteroakfinancial.com

biographyI established my practice in 1979, and since then have helped hundreds of clients visualize and execute a plan for their financial lives, from education funding to retirement and after. While I work with businesses and individuals in all phases of life, my role as a SpecialCare planner uniquely positions me to help to find lifetime financial solutions for families and their loved ones with special needs.

Active in both my community and within the industry, I serve on boards and in various volunteer leadership capacities with numerous non-profits: Easter Seals of Massachusetts; Pathlight (formerly The Association for Community Living); International Language Institute of Massachusetts; Zonta International, a women’s professional organization affiliated with the United Nations; and Women in Financial Services, the only women’s organization dedicated solely to women’s success in the financial services industry.

I am a self-proclaimed adventurous—though not always successful—cook, serious reader and avid gardener. When I'm not immersed in my hobbies, I can be found out and about in my longtime hometown of Amherst, Massachusetts or keeping up with my four children and 12 grandchildren.