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calendar jamesadams@charteroakfinancial.com

linkedin https://www.linkedin.com/in/james-adams-77303499/

areas_of_practiceInvestment Planning

focus_markets

• Individuals
• Families
• Small Businesses
• Executives

advisor_title CLTC, Financial Services Professional

address_1 2 Forest Park Drive, 2nd Floor

address_city Farmington

address_state CT

address_zip06032

office_phone(860) 777-1301

mobile_phone(860) 918-2563 (Call Only)

email jamesadams@charteroakfinancial.com

biographyI have dedicated my entire three-decade career to financial services. I work with individuals, families, small businesses and executives, helping them with their risk management and investment planning needs.

Outside of the office, I enjoy tennis, travel, skiing, and time with my family. My wife and I reside in Glastonbury and are the proud parents of two daughters and a son, who has followed in my footsteps and started an insurance career of his own.

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calendar cderham@charteroakfinancial.com

linkedin https://www.linkedin.com/in/christopher-derham-cfbs-367b6111/

areas_of_practiceFinancial Planning

focus_markets

• Business Owners
• Pharmacists

advisor_title Financial Advisor

address_1 2321 Whitney Avenue, Suite 402

address_city Hamden

address_state CT

address_zip06518

office_phone(203) 859-7856

mobile_phone(401) 782-7124 (Call Only)

email cderham@charteroakfinancial.com

biographyI focus on holistic financial planning, working primarily with owners of closely held businesses and pharmacists to address their unique planning needs.

I began my financial services career as a mortgage banker, but my move to financial planning was actually inspired by a relative’s disastrous experience with an unscrupulous advisor. The situation highlighted to me how important it is for people to be well educated about their options, and for their financial services provider to be trustworthy. I have made these principles the cornerstone of my practice, and apply them to everyone I meet—whether they become clients or not.

Outside of work, I am a 32nd degree Freemason, and a member of the Shriners. I serve on the board of the TPC River Highlands golf club, which is a second home to me. My wife and I live in Middletown, Connecticut.

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calendar ncleary@charteroakfinancial.com

linkedin https://www.linkedin.com/in/nolan-cleary-9990678b/

areas_of_practiceLife Insurance

focus_markets

• Business Owners
• Families
• Retirees

advisor_title Financial Planner

address_1 2321 Whitney Avenue, Suite 402

address_city Hamden

address_state CT

address_zip06518

office_phone(203) 859-7875

mobile_phone(860) 707-0799 (Call Only)

email ncleary@charteroakfinancial.com

biographyI focus my practice on wealth management, retirement income planning and risk management mainly with business owners, families and retirees. I also specialize in navigating government employees through the Federal Employee Retirement System (FERS) and helping them to understand their complex benefits.

Prior to joining Charter Oak, I was a financial representative at Guardian Life Insurance.

Outside of the office, I am involved with the Somerset Business Network International Group where I serve as the secretary and the treasurer. In my spare time, I enjoy gardening, playing golf or hockey and focusing on fitness and nutrition. When I'm not doing one of those things, you can find me enjoying a nice meal with my wife or spending time with friends and family.

I live in Avon, CT with my wife, Jessica.

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areas_of_practice403b Retirement Planning

focus_markets

• Educators
• Individuals

advisor_title Financial Advisor

address_1 2321 Whitney Avenue, Suite 402

address_city Hamden

address_state CT

address_zip06518

office_phone(203) 859-7866

mobile_phone(203) 980-6769 (Call Only)

email cyoung@charteroakfinancial.com

biographyI focus my practice on retirement planning for educators in CT, RI and MA and helping them understand their respective pension systems.

I started my career in the financial services industry as a financial specialist for Wachovia Bank, where I was eventually promoted to vice president for my hard work and devotion. In 2007, I made the switch to Northwestern Mutual and decided to focus my energy on investments and retirement planning before joining Charter Oak as a financial advisor in 2015.

Outside of the office, I am heavily involved in my kids extracurricular activities which includes: baseball, football and basketball. When you don’t see me on the sidelines, you can find me running errands with my dog or watching sports on television.

I live in Guilford, CT with my wife, Gloria, our twin boys and Sheepadoodle, LuLu.

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calendar zcianciolo@charteroakfinancial.com

linkedin https://www.linkedin.com/in/zakary-mack-cianciolo-3b953965/

areas_of_practiceAsset Protection

focus_markets

• Business Owners
• Individuals
• Families

advisor_title Financial Advisor

address_1 555 Heritage Road, Suite 204

address_city Southbury

address_state CT

address_zip06488

office_phone(203) 262-1575 ext. 117

mobile_phone(203) 592-8612 (Call Only)

email zcianciolo@charteroakfinancial.com

biographyMy journey into the financial services industry wasn’t a straight path. Up until entering the field in 2013, I worked in blue-collar jobs as a painting contractor. It wasn’t until a member of my church presented me with an opportunity to build a practice from the ground up that I decided to make a change. The idea of building relationships and making an impact in people’s lives was quite an attraction. I traded in my paint brush and haven't looked back.

I feel that my role as a financial advisor is a natural extension of my life and regard all my clients as lifelong friends. I consider one of the most rewarding aspects of my career when a client can confidently say, “I got a guy” when asked if they know someone who can help navigate their financial future. Above all, I believe my true value is my ability to build authentic and meaningful relationships with clients. I use an honest and forward-thinking approach when helping you plan for the expected and the unexpected. As a former college athlete, I understand the need for a competitive approach in order to be a resourceful and enthusiastic advocate for the people I work with.

I run a successful financial practice and co-own a local restaurant that provides healthy food alternatives. When I'm not working, I enjoy spending time with my family or doing one of my many hobbies. My wife, Nikki, and I live in Prospect, CT and are the proud parents of three daughters—Charlotte, Lena, and Josephine—and rescue dog, Dozer.

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linkedin https://www.linkedin.com/in/danzuccarini/

areas_of_practiceAnnuities + Mutual Funds

focus_markets

• Executives
• Business Owners

advisor_title CLU, ChFC, Financial Services Professional

address_1 555 Heritage Road, Suite 204

address_city Southbury

address_state CT

address_zip06488

office_phone(203) 359-5338

mobile_phone(203) 258-0713 (Call Only)

email dzuccarini@charteroakfinancial.com

biographyI focus my practice on the life insurance, disability income insurance and annuities needs of executives and business owners.

Prior to joining Charter Oak, I practiced at elite levels at Northwestern Mutual for 22 years. My passion for my work is matched by my dedication to the local community. I am a volunteer youth sports coach, Sunday school teacher and active member of my church. I was honored with MassMutual‘s Community Service Award in 2013 for my volunteerism with Royal Family Kids’ Camp and the Department of Family Services.

Shelton, Connecticut residents since 1989, my wife and I are the proud parents of four children and loving grandparents to two grandchildren.

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areas_of_practiceInsurance Strategies

focus_markets

• Individuals
• Families
• Business Owners

advisor_title CLTC, LUTCF, CAS

address_1 24 Century Hill Drive, Suite 105

address_city Latham

address_state NY

address_zip12110

office_phone(518) 220-3041

mobile_phone

email pwajda@financialguide.com

biographyMy financial services career began in 1994. Since then, I have grown my practice to serve individuals, families and business owners to help improve their “fiscal fitness” and to help them reach their goals. My work with my clients has earned me a lifetime membership to Million Dollar Roundtable, a designation recognizing advisors meeting the highest standards of ethics, knowledge, and service.

Outside of the office, I am an active member of the Greater Capital District community, serving on the board of the American Cancer Society, and having previously served as a board member and past president of the Alzheimer’s Association of NENY. My hobbies include traveling, cooking and English Premier League soccer. I am also proud to admit that I am a New York Knicks fan.

I reside in Clifton Park, New York with my wife, who also happens to be my most valuable employee.

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areas_of_practiceAsset Protection

focus_markets

• Small Businesses
• Executives
• Middle Management Professionals

advisor_title Financial Services Professional

address_1 330 Whitney Avenue, Suite 600

address_city Holyoke

address_state MA

address_zip01040

office_phone413-539-2301

mobile_phone413-626-2786 (Call Only)

email esunter@financialguide.com

biographyWith the exception of a two-year tenure in pharmaceutical sales, I have dedicated my entire 30-year career to financial services. I established my practice on the risk management and asset protection needs of small businesses, executives and middle management professionals.

I am an active member of the Society of Financial Services Professionals and the Estate Planning Council of Hampden County, as well as the Rotary Club of Springfield. Outside of work, I unwind by spending time outdoors, running, golfing, hunting or hiking. My wife and I live in East Longmeadow, MA and have two sons.

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calendar cshuman@financialguide.com

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areas_of_practiceAsset Accumulation + Distribution

focus_markets

• Families
• Professionals
• Small Business Owners

advisor_title Certified Financial Planner™

address_1 330 Whitney Avenue, Suite 600

address_city Holyoke

address_state MA

address_zip01040

office_phone413-539-2308

mobile_phone413-531-5725 (Call Only)

email cshuman@financialguide.com

biographyMy relationships with my clients—both new and old—are the foundation of my practice. My decades of experience as a registered investment advisor and a Certified Financial Planner™ (CFP^®) allow me to offer a big-picture view of their current financial position, insurance planning, investment planning, tax management and estate planning options to establish personalized strategies that meet short- and long-term goals.

My additional education and training as a CLU (Certified Life Underwriter), ChFC^® (Chartered Financial Consultant) and CASL (Chartered Adviser for Senior Living) enhances my knowledge of plan design and enables me to deliver exceptional service to the families, professionals and small-business owners I work with.

Overall, I consider my role in bringing financial confidence and overall organization to a client's financial world one to be treated with the utmost respect.

In the community, I am passionately involved with youth hockey player development. As a level 4 Certified USA hockey coach, I have been a coach with and director of the Gary Dineen hockey program (now called MassConn United) since 1995, and am the director of the GDHS 40-Hour Hockey School and coach with the Springfield Jr. Thunderbirds. My wife and I live in Westfield with our two children.

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calendar gsanborn@financialguide.com

linkedin https://www.linkedin.com/in/gerald-sanborn-694547111/

areas_of_practiceBusiness Succession Planning

focus_markets

• Individuals
• Families
• Small Business Owners
• Families of Children with Special Needs

advisor_title Financial Services Representative

address_1 115 Green Street

address_city Kingston

address_state NY

address_zip12401

office_phone(845) 943-5698

mobile_phone

email gsanborn@financialguide.com

biographyAs part of a financial planning team within the firm, my partner and I assist individuals, families and small-business owners in all areas of comprehensive financial planning, retirement planning, succession planning and estate planning, in addition to helping to address the unique financial considerations of families of children with special needs. My team also conducts frequent educational seminars on these topics.

Prior to joining Charter Oak, I was a longtime advisor with MetLife and owned my own small business for seven years before entering the financial services industry. A Coast Guard-licensed Merchant Mariner from 1975 to 1986, I was the 1st mate on a small tanker in New York Harbor.

I remain active in my community, serving as a board member of the Rip Van Winkle Council of the Boy Scouts of America, and as a volunteer at Scouting events and at my church.

My wife and I reside in Saugerties, New York. We are the proud parents of three successful children and one beloved grandson.