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calendar doconnell@financialguide.com

linkedin https://www.linkedin.com/in/dj-o-connell-1ab1386a/

areas_of_practiceBusiness Planning + Protection

focus_markets

advisor_title

address_1 24 Century Hill Drive, Suite 105

address_city Latham

address_state NY

address_zip12110

office_phone(518) 220-3016

mobile_phone(518) 331-3327 (Call Only)

email doconnell@financialguide.com

biographyI focus my practice on business planning and succession planning, retirement strategies and income protection.

Prior to joining Charter Oak, I was an advisor with New York Life.

Outside of work, I use my experience as an All-American and a three-time NCAA and NJCAA lacrosse champion to give back to the community. I am a volunteer coach, both for Colonie varsity lacrosse and the local Challenger program, which gives children with special needs the opportunity to participate in a variety of sports throughout the year.

I enjoy spending my free time hanging out with family, friends and my dog, Brody, and golfing whenever I can.

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calendar https://calendly.com/timothyoconnell/

linkedin https://www.linkedin.com/in/tim-o-connell-8597685/

areas_of_practiceBusiness Succession Planning + Exit Planning Solutions

focus_markets

• Families
• Individuals
• Executives
• Business Owners

advisor_title CFP®,CFBS, Financial Planner

address_1 501 Merritt 7, 5th Floor

address_city Norwalk

address_state CT

address_zip06851

office_phone(203) 359-5315

mobile_phone(646) 207-1036 (Call Only)

email timothyoconnell@financialguide.com

biographyMy financial services career began on the floor of the New York Stock exchange in 1984, but my passion for helping others was truly sparked in the living rooms and boardrooms of the families, individuals, executives, and business owners whose challenges I saw firsthand as their financial advisor.

With Charter Oak since 2011, my team and I use an educational approach to guide clients through creating and maintaining a comprehensive and coordinated financial strategy. Our process is focused on helping our clients to build and maintain wealth in retirement and potentially through generations. My knowledge helps them meet their objectives efficiently, and my years of experience have helped me build mutually trusting and comfortable relationships. Above all, I consider my true value to be showing people what is possible in their financial planning strategy.

My wife of over 35 years and I live in Connecticut and enjoy spending time with our four wonderful grown children and our grandchildren. In addition to spending time with our family and running my practice, I am very active in my community and with Hillside Food Outreach of CT/NY.

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calendar nmanolakis@financialguide.com

linkedin https://www.linkedin.com/in/nicholas-manolakis-4a026643/

areas_of_practiceRetirement Planning

focus_markets

• Families
• Teachers
• First Responders
• Small Businesses

advisor_title Financial Planner

address_1 330 Whitney Avenue, Suite 600

address_city Holyoke

address_state MA

address_zip01040

office_phone(413) 539-2343

mobile_phone(413) 519-8163 (Call Only)

email nmanolakis@financialguide.com

biographyI established my practice in 2012 after one of the firm’s senior planners, for whom I had been an intern, noticed my aptitude for the business.

Today, I focus on retirement planning and risk management for families, teachers, first responders and small businesses. My continued passion and success have earned me recognition as a rising leader within the firm and among my peers at MassMutual.

An active member of the Wilbraham community, I am a volunteer with my local chapter of Big Brothers Big Sisters, serve as the chairman of the Capital Planning Committee of Wilbraham; and am an active member of the town’s Senior Center Feasibility Study Committee and its finance committee.

I enjoy working out, watching movies and sports. You may also find me relaxing at my home in Wilbraham with my dog and three chickens.

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calendar roberthoule@financialguide.com

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

areas_of_practiceAsset Protection

focus_markets

• Business Owners

advisor_title CFBS, RICP®, Financial Advisor

address_1 330 Whitney Avenue, Suite 600

address_city Holyoke

address_state MA

address_zip01040

office_phone(413) 539-2332

mobile_phone(413) 626-3403 (Call Only)

email roberthoule@financialguide.com

biographyAs both a representative of Charter Oak and the owner of Unity Financial + Insurance Group, I focus my practice on asset protection and retirement planning for business owners, in addition to guiding them on employee benefits for their teams.

A firm believer in giving back to the community both in and outside of work, I dedicate significant time to numerous causes. I run two nonprofits that honor fallen soldiers; head a mentorship program for at-risk youth; coach youth basketball and football; and serve on the planning board of the Chicopee Boys and Girls Club.

Additionally, I am a member of the West Springfield Rotary Club and the West of the River Chamber, and serve on the NAIFA Scholarship Committee.

I live in Feeding Hills, MA with my wife and two children.

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calendar sdilorenzo@financialguide.com

linkedin https://www.linkedin.com/in/sharon-t-dilorenzo-cpa-clu-chfc-cpcu-8b29927/

areas_of_practiceAnnuity + Investment Products

focus_marketsIndividuals Business Owners Corporate Managers

advisor_title CPA, CLU®, ChFC®, CPCU®, Financial Planner

address_1 24 Century Hill Drive, Suite 105

address_city Latham

address_state NY

address_zip12110

office_phone(518) 220-3000

mobile_phone

email sdilorenzo@financialguide.com

biographyI am a financial planner with MassMutual’s Latham, New York office. I focus my practice on financial planning services, life insurance, disability income insurance, health insurance, retirement and benefits programs, as well annuity and investment products for individuals, business owners and corporate managers. For both individuals and business owners and their employees, I help maximize my clients’ resources so that they can address their goals and work to sustain their desired financial position for a lifetime.

Prior to joining MassMutual, I was a Financial Services Representative of MetLife. I bring 40 years of experience in insurance, public accounting and banking. I have worked in the insurance industry for over 30 years.

Outside of the office I combine my interest in music, writing and gardening by staying actively involved in the Greater Capital Region.

I live in Clifton Park with my German Shorthaired Pointer, Doppler.

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calendar https://calendly.com/jcastaldi

linkedin https://www.linkedin.com/in/jason-castaldi-5006ab5/

areas_of_practiceFee-Based Financial Planning

focus_markets

• Individuals
• Entrepreneurs
• Families
• Business Owners

advisor_title Financial Advisor

address_1 555 Heritage Road, Suite 204

address_city Southbury

address_state CT

address_zip06488

office_phone(203) 359-5307

mobile_phone(203) 313-2256 (Call Only)

email jcastaldi@charteroakfinancial.com

biographyMy career in financial services began with a call from my best friend’s brother, who was building a Greenwich-based team for Charter Oak. I joined the company on a gut instinct, feeling like it was the right opportunity to do something more meaningful in my professional life. After only a few months, my best friend’s brother was my boss, and I had begun growing a business helping others.

As a mentee of some of the area’s top financial advisors, I was able to identify the qualities that I wanted to shape my own practice. I distilled those qualities into three guiding principles: honesty, transparency and empowerment. Today, I combine these with a dedication to process, education and communication to ensure my clients always know what I'm suggesting and why, ultimately empowering them to make their own decisions without unnecessary stress.

This approach has attracted individual clients ranging from entrepreneurs, professional athletes, doctors and corporate executives to business clients in industries such as shipping, transportation, raw materials, hedge funds, and sports supplements.

Since beginning my career in 2005, my success in the industry has earned me recognition both inside and outside of the firm.

I am also an avid fisherman and compete in multiple tournaments per year. When I'm not spending time with my wife and our two daughters, I can most likely be found at the gym or on the water.