Michael Collins, CFA
Michael Collins, CFA has worked in Wealth Management since 2012 with roles at Northern Trust and CAPTRUST. Prior to that Michael worked in various roles in Institutional Investment Management since starting his career at State Street in 2005. He has a depth of expertise in financial planning and investment management which he leverages to enhance client outcomes.
Michael is a Chartered Financial Analyst (CFA) and a Fiduciary, which requires him to always act in the best interest of his clients. Michael also has his Masters Degree in Finance from Suffolk University
Michael currently teaches at Endicott College and Bunker Hill Community College where he educates students about the intricacies of the market and the basic fundamentals used by professionals to evaluate the economy.
Want to speak with Mike?
Email: Mcollins@wincapfinancial.com
Phone: (617)-590-3250
Book an online meeting: Calendly Link
Zach Ciampa brings 10 years of comprehensive experience in the financial services industry. His journey started at Fidelity Investments, where his focus was on investment planning. Subsequently, he enriched his skills during his time at Charles Schwab before contributing his insights as a financial planner at John Hancock. Through these experiences, Zach has honed his expertise to guide clients toward their financial goals.
Zach is a CERTIFIED FINANCIAL PLANNER™ professional, Retirement Income Certified Professional®, Chartered Financial Consultant®, and Behavioral Finance Advisor™ . These certifications underscore his commitment to upholding the highest standards of professionalism and ethics. As a fiduciary, he ensures that clients receive advice which aligns with their best interests. Zach also earned his Bachelor's degree in Communications, with a minor in business, from Arizona State University.
Want to speak with Zach?
Email: ZCiampa@wincapfinancial.com
Phone: (978)-729-5904
Book an online meeting: Calendly Link
Luke Pavlatos is a CERTIFIED FINANCIAL PLANNER™ practitioner and has been in the financial services industry since 2016. Prior to bringing his services to WinCap Financial, Luke worked for John Hancock, where he wore a couple different hats. In his first stint with John Hancock, he specialized in employer qualified plans and tax-advantaged accounts. He later took on a more comprehensive position as a Senior Financial Consultant. It was in this role that Luke and Zach first teamed up to help clients meet their goals. Luke focused on the investment planning, executed transactions, and managed the relationship with clients, while Zach performed the financial planning and retirement projections.
As a CFP®, Luke is also bound by his fiduciary duty to put the clients’ interests above all else. In addition, as someone who is originally from a small town in the Midwest, Luke learned at a young age that trust and relationships are of utmost importance, and carries this with him into the business world. Luke has a Bachelor’s degree in Economics from Denison University.
Want to speak with Luke?
Email: LPavlatos@wincapfinancial.com
Phone: (937)-631-9206
Book an online meeting: Calendly Link
Joe started his career over twenty years ago in the finance industry at Fidelity Investments. He has experience in the Mortgage and Real Estate industry where he spent 5 years working with families to make their biggest purchase of their lives. Joe also spent 11 years in Public Education teaching Math in an urban district where he grew up. He is able to specialize in helping teachers prepare for retirement. He understands how a long rewarding career in teaching is capped off with a well-deserved valuable teacher’s pension. Joe helps teachers plan to maximize pension benefits while making sure clients are supplementing and planning for a long retirement and fighting inflation.
Joe’s experience in business, Finance, and Teaching allowed him to be given an opportunity to teach as an Adjunct Professor at the Gerrish School of Business at Endicott College. Here, Joe enjoys working with young adults in the business school prepare for their careers and acts as a mentor to his students. Joe is active in the community of Peabody, MA where he lives with his wife and three children. His joy in working with the youth shows when he volunteers to coach Youth Football, Hockey, Baseball, Basketball, Lacrosse, and Soccer. He is an active member of the business community and spent time on the Peabody Chamber of Commerce Board of Directors.
All that being said, Joe’s main focus is building long-lasting relationships and partnering with individuals and families to create comprehensive and realistic financial plans.
Want to speak with Joe?
Email: JLepore@wincapfinancial.com
Phone: (617)-967-0558
Book an online meeting: Calendly Link
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