AAF WEALTH MANAGEMENT - Key Persons
Andrew is a Wealth Advisor at AAF Wealth Management, a Registered Investment Advisor (RIA) Firm whose mission is to provide valuable peace of mind to those who share the awesome responsibility to manage wealth. He provides comprehensive and carefully designed financial plans for individuals & families, nonprofits & foundations, and retirement plan sponsors.
Andrew joined our team of advisors after 17 years in financial services at Fidelity Investments. He joined AAFCPAs because of the firm's deep tax expertise, individualized approach, and commitment to honesty, ethics, and developing meaningful relationships with each client.
Andrew appreciates that each client's goals and aversion to risks are personal, unique and in progress. He is happy to spend the time that is necessary to get comfortable with the current investment environment, a financial plan, and/or a portfolio. When designing a financial plan, he takes the time to evaluate each clients' unique situation, including their: operating budget, personal and business incomes, cash flow & liquidity needs, assets & liabilities, employee benefits, investments, insurance coverages, wills and trusts, as well as basic personal family data and health status.
Andrew's proven solutions do not stop at plan design, because he knows that even the simplest financial planning and asset allocation strategies need rebalancing on occasion. He continues to harness the firm's collective knowledge, tools and tax resources to creatively adapt, and to share new ideas and insights as clients' needs evolve and change over time.
Andrew earned a Bachelor Degree in both Political Science and Economics from the State University of New York at Cortland, and fulfilled his education requirement to sit for the rigorous CERTIFIED FINANCIAL PLANNER™ (CFP®) professional Certification Examination at Bentley University and Boston University. He is a CFP®, a licensed investment advisor, and a Chartered Retirement Planning Counselor (CRPC). He also holds Life, Accident & Health Insurance Licenses in MA. He is an active member of the Financial Planning Association. Andrew delivers educational presentations for client organizations focused on the economic outlook, state of investment markets, and the firm's unique approach to controlling risks.
Andrew lives in Grafton, MA with his wife, and three young children, and together, they enjoy live music and travel.
Job Titles:
- Investment Adviser
- Wealth Advisor
Carmen is a Wealth Advisor and Co-Managing Partner of AAF Wealth Management, specializing in comprehensive financial planning solutions for individuals, families, business owners, nonprofits & foundations.
Carmen is a licensed investment adviser and a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional. She also has a PhD in Clinical Psychology and fifteen years' experience as a practicing psychologist. This perspective benefits clients because much of financial planning is about life planning.
Carmen believes that personal financial planning is a process, that seeks to creatively harness and align the power of one's monetary resources to transform person and community life experiences.
She strives to know her clients' rhythm, affect, and experience, and she utilizes this attunement to offer responses and recommendations, that lead to a transformative financial planning experience.
During her transition from clinical psychology to financial planning, Carmen joined her father, John Grinkis, in his Worcester County, 30-year independent retirement planning practice. She is also an experienced entrepreneur as the Founder of Income Protection Partners. Carmen consults to provide insight and analysis of insurance portfolios (life, long-term care or disability insurance) to assist in proper alignment of insurance offerings with individual, family or business owner goals. She holds life and health insurance licenses in RI, MA, NY, CT, and FL., a Certification in Long-Term Care (CLTC®), as well as a Chartered Life Underwriter® (CLU®) advanced life insurance underwriting designation.
Carmen received her bachelor's degree from Clark University in Psychology and Philosophy, and a master's degree and PhD in Clinical Psychology from Duquesne University.
Carmen lives in Tiverton, RI with her wife, who is a fine artist. They are active members of their community and supporters of South Coast Artists, Inc. and the Tiverton Land Trust. Carmen is also a member of the Tiverton Yacht Club, the University Club of Providence, and the LPGA Amateur Golf Association. She is also a member of the Financial Planning Association. When not seeking attunement with her clients, Carmen is pursuing her passion for music, vintage turntables, golf, squash, travel, and outdoor adventure.
Job Titles:
- Client Service and Operations Manager
Cheryl Melendy is a detail oriented and responsive Client Service & Operations Manager. She is a familiar face and voice for AAF Wealth Management clients, creating processes to achieve the firm's collective purpose of helping clients thrive.
Cheryl is committed to building client relationships starting with onboarding and creating memorable "Wow" client experiences. She develops and oversees the implementation of client service protocols with the highest level of quality and care. Cheryl provides client service support addressing client inquiries regarding transfer of assets, new accounts, money movement, corporate actions, account maintenance, client mailings, scheduling, and other operational activities. Behind the scenes, she creates workflows and business processes, shares operational reporting, and elevates our custodian platform experience to increase the operational efficiency of AAF's Wealth Advisor team.
Cheryl came to AAF Wealth Management with over 25 years' experience in providing exceptional client service and operational management. She earned a bachelor's degree in business administration and Management from Assumption College, and a Paralegal Certificate from Boston University. She lives in Bellingham, MA and she happily shares her time and expertise serving as Secretary on the Board of Trustees for her condo association and as a volunteer for the Friends of the Bellingham Public Library.
Job Titles:
- Assistant Operations Specialist
Chris provides proactive, operational support to the AAF Wealth Management team. He works closely with our Client Service and Operations Manager to make sure all tasks and projects are completed in a timely and efficient manner, and he regularly audits and updates internal controls to make sure our systems remain in compliance.
Chris acts as a liaison between AAF Wealth Management and the AAFCPAs Tax Department to ensure Advisors can apply their insight into long-range planning with full consideration for tax implications. He communicates with AAFCPAs' lead partners as appropriate to ensure wealth advisory solutions are delivered seamlessly and in coordination with other key deliverables.
Chris earned a Bachelor of Science in Accounting from Northeastern University, graduating with Magna Cum Laude honors. He is a husband and proud dad of two high-energy children. He is a baseball coach for Hopedale Youth Baseball, which allows him to spend valuable, quality time with his son while teaching the youth of Hopedale the fundamentals of our great American past time.
Job Titles:
- Investment Operations Specialist
Emily provides operations and technology support, that contributes to AAF Wealth Management being a world-class Registered Investment Advisory (RIA) firm. She works closely with internal partners, including Wealth Advisors, to provide holistic solutions, with a focus on maximizing returns while minimizing risks.
As a member of the Investment Committee, Emily participates in the firm's regular and thoughtful process of investment selection, monitoring, and portfolio implementation. She is committed to ensure AAF Wealth Management maintains accountable for a disciplined approach to investing and credibility among client investors.
Emily enjoys building strong relationships, in addition to remaining fluent in the systems and processes of the organization. She regularly contributes ideas to support more efficient operations and to collaboratively resolve complex issues. This includes solutions to enhance and consistently deliver the firm's high standard of service.
Emily joined AAF Wealth Management in 2018 with more than 15 years of experience in the financial services industry. She earned a Bachelor of Science degree in business management and human resources from Florida State University. She serves on the Endowment Committee of Congregation B'nai Shalom in Westborough, MA and lives in Hopkinton, MA with her husband and two children.
Job Titles:
- Director & Senior Wealth Advisor
Jonathan is an experienced and passionate Investment Advisor and Financial Planner with a commitment to independent client-centric advice. He has proven success earning trust advising high-net-worth individuals and retirement plan clients. He provides objective, customized solutions and a comprehensive approach to wealth management, which includes investment management, estate, tax, retirement, insurance, charitable giving, and cash flow planning.
Jonathan appreciates that clients place trust in our team, and that each client is unique. In response, he works diligently to understand each client's individual needs, life circumstances, priorities, and goals and then sets clear financial objectives and a plan to achieve them. He blends objective investment advice, estate, insurance, financial planning and real-world goal setting to best meet clients' short and long-term goals, with a keen eye to mitigating risk. He proactively suggests adjustments as appropriate to help clients stay on track and reach their life long goals.
Jonathan earned a bachelor's degree in finance from Bentley University and fulfilled his education requirement to sit for the rigorous CFP® Certification Examination at New York University. He is a licensed investment advisor, a CERTIFIED FINANCIAL PLANNER™ (CFP®) PROFESSIONAL, and an Accredited Investment Fiduciary (AIF®). Jonathan serves on the Board of Directors for The Whole Child, Inc., a nonprofit based in Upton, MA. He lives in Marlborough, MA with his wife, and two young daughters. He enjoys golf, travel, 3D printing, and monitoring the evolution of cryptocurrency. Jon is an active member of the Marlborough Country Club and Vice President of his Homeowners Association.
Kevin is a Wealth Advisor at AAF Wealth Management, providing comprehensive solutions for family offices, high-net-worth individuals, as well as for-profit and not-for-profit organizations
Kevin's expertise strengthens each client's financial situation by delivering a full range of solutions, identified based on need and uncovered through on-going consultative meetings and interactions. These solutions include personal financial planning, investment management, tax advisory, insurance, estate & philanthropic planning, and business succession planning.
Kevin has a long history of advising clients with significant wealth and managing conventional as well as complex investment strategies. He customizes portfolios and personalizes strategies to meet each client's individual investment goals and risk tolerances.
Kevin brings more than 22 years of experience in financial services to the AAF Wealth Management team, as well as 6 years of service as an active-duty officer in the United States Marine Corps.
Kevin earned a bachelor's degree from Providence College, graduating cum laude. He holds both the Chartered Market Technician (CMT®) and Accredited Investment Fiduciary (AIF®) designations and is enrolled and studying for the Chartered Alternative Investment Analyst (CAIA®) certification credential.
Kevin maintains an active membership in the Boston Semper Fidelity Society which serves the needs of current and past Marines located in the greater Boston community. He is an avid supporter of both the Marine Corps Scholarship Foundation which provides financial scholarship assistance to the children of Marines injured and killed in the line of service, as well as the Semper Fi & America's fund organization.
He lives in Marlborough, MA with his wife, two children and Olde English Bulldogge, Harley.
Job Titles:
- Associate
- CERTIFIED FINANCIAL PLANNER
- Financial Planning Associate
Kyle is a Financial Planning Associate at AAF Wealth Management, responsible for providing valuable financial planning and investment advisory support under the direction of the firm's senior Wealth Advisors.
Kyle performs several of the necessary tasks needed to develop a meaningful personal financial plan for our clients. He assists in gathering and analyzing financial reports and records from individuals and families, and initiates modeling of financial scenarios. He helps determine how assets should be allocated and makes preliminary recommendations to senior Wealth Advisors on a course of action.
Kyle also assists senior Wealth Advisors in preparing visual aids for the client, including customized charts, graphs, and histograms to help clients make informed financial decisions. He is proactive and responsive in answering questions that may arise to help ensure excellence in client service and peace of mind. He is detail oriented and accountable for ensuring plans are followed and helps make changes over time as appropriate.
Kyle is earning his CERTIFIED FINANCIAL PLANNER™ (CFP®) professional credential, expected in 2024. Prior to joining AAF Wealth Management, Kyle gained 3 years' experience as an auditor with AAFCPAs. For years, he has been engrossed in his interest in personal financial planning and investing and is excited to lend his passion, as well as his financial and operational expertise, to helping clients gain confidence in managing every aspect of their financial life. He currently lives in Orlando, Florida.
"Money is a top cause of stress for many Americans, and I'm delighted to be a resource for eliminating financial anxiety. The ability to offer meaningful advice and clarity is the aspect of my job that is most rewarding."
Job Titles:
- for Press & Media Inquiries