Strategy. Tactics.
Execution.

Develop and execute on a plan with support from a trained and focused team.

“Coming together is a beginning; keeping together is progress; working together is success.”

-Henry Ford

Working With Nvest

We want driven. We want integrity. We want humility. We want talented people on our team. If that sounds like you, send us a note.


The Team

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Nichole D. Raftopoulos
CFP®, CDFA, AIF®, MPAS

CEO, Nvest Financial, LLC
Principal, The Nvest Group, LLC

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George Raftopoulos
CM&AA, CFP®, CEP®, MBA

President, Nvest Financial, LLC
President, ROI-Cubed, LLC
Principal, The Nvest Group, LLC

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Daphne L. Lafazan, CEP®, AIF®

Financial Consultant

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Meagan E. MacKinnon, AIF®

Financial Consultant

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Justin M. Happ

Compliance Manager, Research Analyst

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Joseph E. Alger

Research Analyst

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Mina C. Sullivan

Client Administrator and Marketing Coordinator

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Ashley A. White

Client Administrator

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Jordan C. Formichelli

Client Administrator

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David A. Capotosto

Senior Consultant

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Dinon Hughes

Intern


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Nichole D. Raftopoulos
CFP®, CDFA, AIF®, MPAS

CEO; Nvest Financial, LLC
Principal; The Nvest Group, LLC
President; Operation Love...from home

Nichole is CEO and founder of Nvest Financial, LLC. She began her career in the financial services industry in 1995, having previously worked as an advisor with two large brokerage firms before founding Nvest.

"Nvest was created to be the kind of place where we, ourselves, would want to be clients—an independent firm so we could focus 100 percent of our time and effort on the needs and objectives of our clientele," explains Nichole as one reason for having founded the firm in 2003. Above all else, Nichole values her clients, their relationships, and working for them and not for a big Wall Street conglomerate.

She leads the team tirelessly and precisely regarding working with all aspects of a client's financial life, helping to educate along the way so clients feel they are making informed decisions about their personal financial matters.

Nichole is often tapped as a guest speaker at various events and conferences given her ability to make complicated topics easy to understand.

Nichole is a CERTIFIED FINANCIAL PLANNER practitioner and obtained her Master of Science in Financial Planning from the College for Financial Planning with course work completed at Northeastern University. She is also an Accredited Investment Fiduciary® designee, Certified Divorce Financial Analyst, and has the Master Planner in Advanced Studies designation.

Nichole D. Raftopoulos is proud to have been recognized as a Chairman’s Level advisor for 2020—a distinction based on annual production attained by just 4 percent of advisors affiliated with Commonwealth Financial Network.

Each year, Commonwealth, the broker/dealer–RIA that helps us process investment transactions on your behalf, recognizes Chairman’s Level advisors by inviting them to an exclusive gathering of their peers, leading industry experts, and Commonwealth home office staff. Chairman’s Level advisors benefit from an intensive learning and networking experience designed to help them hone their expertise, share best practices, and provide ever-higher levels of service, education, and leadership to their clients.

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George Raftopoulos
CM&AA, CFP®, CEP®, MBA

President; Nvest Financial, LLC
President; ROI-Cubed, LLC*
Principal; The Nvest Group, LLC
Treasurer; Operation Love...from home

George is President of Nvest Financial along with his role as President of ROI Cubed. Prior to his positions at Nvest and ROI Cubed, George was CEO of Pinnacle Capital Management which he had founded in 2000 and eventually sold in 2010.

George entered the financial industry in 1986 while still in college at Tufts University. Upon graduating from college in 1987, he worked for a planning and investment firm as financial planning was still in its infancy. By his 4th year in the industry, he found himself one of the top producers in the country for his broker/dealer, eventually taking the top five spot in the nation.

As President of Nvest Financial, his responsibilities include the overall successful and efficient operations of all aspects of the firm.

George is also a lecturer at Bentley University where he teaches the CFP Board-Certified CFP program to undergraduate and graduate students. His love for teaching comes from the desire to guide young minds as they enter the industry, assuring successful financial careers.

George is a CERTIFIED FINANCIAL PLANNER Practitioner (CFP®) and received his MBA with tax concentration from Bentley University in 1996. He also serves or has served on a number of Boards of Director for private and non-profit organizations and is Executive Director at Operation Love...from home.

*Business consulting services offered through ROI Cubed are separate and unrelated to Commonwealth.

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Daphne L. Lafazan
CEP®, AIF®

Financial Consultant; Nvest Financial

As a Financial Consultant, Daphne fosters the relationships Nvest establishes with all of its clients. She works closely with our clients and the team with their financial plans, portfolio monitoring and account trading. She conducts client reviews and addresses planning and portfolio related inquiries. In addition, Daphne conducts 401(k) plan review meetings with business clients whose retirement plans Nvest manages.

Daphne has the Certified Estate Planner (CEP®) certification, Accredited Investment Fiduciary® (AIF®) designation along with other securities licenses held thru Commonwealth Financial Network.

She graduated from George Washington University with a degree in finance. Soon after graduating, she took a job in New York as an equity trader. After 15 years in NYC, she moved to New England to start something new.

What she loves the most is spending time with her fiancé and daughter exploring the beach near where she lives. She also enjoys a good book and running by the sea.

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Meagan E. MacKinnon

Financial Consultant; Nvest Financial

Meagan joins Nvest as a Financial Consultant, having worked in the industry since 2014. As a valuable member of the Nvest Financial team, her role is to help in the client’s financial planning and investment process.

When asked, Meagan stated, “The best part of my job is helping people in a meaningful way; empowering individuals to secure their financial futures. The unknown is scary; our goal at Nvest is to eliminate some of that uncertainty. We’ll work together to establish where you are now, what your goals are, and create a strategy to help get you there.”

Meagan graduated from the University of New Hampshire as a double business major. After several years working in the energy field in Boston, she found her calling the day she started her career in the investment industry in 2014. She holds various securities licenses through Commonwealth Financial Network.

Meagan lives in beautiful coastal Maine with her husband and two children. As a mom of small boys, she’s learned that life can be chaotic and unpredictable, which is why a good plan is so important. Her family has taught her to enjoy the little things and maintain her focus on the things that matter.

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Justin M. Happ

Compliance Manager, Research Analyst; Nvest Financial

As Nvest’s Compliance Manager and Research Analyst, Justin works to keep our team abreast of the current regulatory environment. He also supports the team with research, analysis, monitoring, and helping in the design of our portfolios.

After graduating from the University of New Hampshire, Justin rose through the ranks at Fidelity Investments to become a fixed income trader. He then joined Commonwealth Financial Network’s trading department before coming to join the Nvest team.

Justin completed the Investment Advisor Core Compliance Program which provides essential training on the Investment Advisors Act of 1940 and is a stepping stone to the IACCP® Program and designation.

When not in the office, you will find Justin biking and running along the ocean near his home on New Hampshire's seacoast or possibly participating in half-marathons across the world!

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Joseph E. Alger

Research Analyst; Nvest Financial

Joe is a Research Analyst supporting Nvest’s investment department with extensive market research, quantitative and qualitative stock, bond, mutual fund and alternative investment analysis as well as the design and monitoring of Nvest’s client portfolios and client investment policy statements.

After graduating from the University of Rhode Island, Joe spent time at Fidelity Investments before joining Commonwealth Financial Network’s service center and eventually transitioning to a role as a trader on the company’s operations team.

Joe is a Level III CFA candidate through the CFA® Institute. The CFA Program is a three-part exam that tests the fundamentals of investment tools, valuing assets, portfolio management and wealth planning. Joe also holds his FINRA Series 7 and 66 securities registrations, held through Commonwealth Financial Network.

In his free time Joe enjoys running, hiking and attempting to lower his golf handicap.

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Mina C. Sullivan

Client Administrator and Marketing Coordinator; Nvest Financial

In Mina's role as a Client Administrator, she is focused on providing first-class service to each of our relationships.

From our Portsmouth office, Mina prepares the team for various meetings, handles our account opening process as well as a number of other important administrative functions. Mina works diligently to keep the Nvest offices functioning smoothly. In addition, Mina coordinates our various marketing endeavors.

Mina graduated from Keene State College and moved to the New Hampshire seacoast shortly thereafter. When not hard at work, Mina enjoys spending time with her husband and two dogs. As a diehard Red Sox fan, she loves watching games at Fenway Park during the baseball season!

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Ashley A. White

Client Administrator; Nvest Financial
Board Member; Operation Love...from home

Ashley is the Client Administrator for our Kennebunk office, warmly providing the caring service our clients have come to expect.

Ashley is responsible for making sure the team is properly prepared for meetings, handles the process of opening accounts, and assists in coordinating schedules and preparations for our retirement plans. In addition, Ashley works on a multitude of administrative tasks and makes sure the Kennebunk office is running smoothly.

Ashley graduated from Regent University in Virginia then decided to return back home to coastal Maine. Fun fact: Ashley is a published author! She also enjoys bringing her puppy to the beach and spending time with family and friends.

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Jordan C. Formichelli

Client Administrator; Nvest Financial

Jordan Formichelli is a Client Administrator based out of the Portsmouth, NH office and is dedicated to making sure our clients feel secure and supported during their experience at Nvest.

In this role, Jordan assists with answering general inquiries, prepping for meetings, helping maintain strong relationships as well as numerous other administrative duties that help support our team and provides a superior client experience.

Jordan is a graduate of Clark University with a double major in Communications and Theatre Arts, and has a Masters in Professional Communications. Since moving back to her hometown of Portsmouth in 2015 she has done work within the local theatre community as a producer, director, stage manager, and performer. Jordan is also the Artistic Director of Dive In Productions, an independent theatre production company based out of the NH seacoast area. At home, she loves to hang out with her two dogs, Winnie and Clark.

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David A. Capotosto

Senior Consultant; ROI Cubed*

David Capotosto is an entrepreneur and seasoned business executive. His extensive experience in business comes from over 35 years of active involvement with start-up, growing, and mature businesses. His experience in design, engineering, manufacturing and operations is wide and deep. David is unique in his ability to drive a project from an idea to a smooth-running operation.

He began his career as a foreman of a third shift injection molding facility. Since then David has held nearly every position in a manufacturing company - Process Engineer, Project Engineer, Engineering Manager, Customer Service Manager, Operations Manager, Engineering Manager, Director of Design and Development, Director of Quality, Director of Business Development, General Manager, Executive VP and President.

Since 2000, David has been a design and business consultant. He has assisted in the startup of numerous new ventures, as well as working with mature operations to grow their teams and operations. Additionally, David sits on Boards of Directors for a number of manufacturing companies.

*Business consulting services offered through ROI Cubed are separate and unrelated to Commonwealth.

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Dinon Hughes

Intern; Nvest Financial

Dinon joins Nvest Financial during his final semester of undergraduate studies at Bentley University, where he has spent the past four years studying Economics and Finance. He has narrowed his scope of studies to financial planning and upon graduation will have completed the CFP® Board-Certified education program.

Dinon’s prior experiences at other financial firms has led him to Nvest, where he feels he can craft the closest connections and help provide financial confidence with the relationships he builds. Previously, Dinon worked as a bank teller, honing his customer service skills in a professional capacity. In his role as an intern with Nvest, he provides support to the investment and planning teams while learning from their extensive experience.

Dinon is a Southern Maine native, having lived in York, Maine his whole life. He has a strange obsession with a lawn game called Spikeball, traveling throughout New England to compete in tournaments.