What is an independent financial advisor?  An independent broker/dealer allows financial professionals to offer non-proprietary products, such as mutual funds or ETFs, from a wide variety of companies. We have chosen to work with an independent broker/dealer in order to offer you objective investment advice. We offer both commission or fee based services. This flexibility allows us to create a personalized investment plan catered to YOUR specific needs and preferences.


You may feel that financial planning for your future can seem scary and complicated, especially in today's economy. But, rest assured that we've helped clients with all types of backgrounds.  We want to help make your dreams become a reality for you and your family.

independence & Flexibility

        Licenses & Certifications

  • Certified Financial Planner (CFP®.)
  • Certificate of Advanced Study of Financial Planning.
  • Series 7 - General Securities License.
  • Series 9 - General Securities Sales Supervisor (Options).
  • Series 10 - General Securities Sales Supervisor (General).
  • Series 24 - General Securities Principal.
  • Series 66 - Uniform Combined Registered Investment Advisor.

The Tony and dana Story

Anthony r. luzzi - Founder (retired)

Financial serv​ices

Dana E. Gilpatrick, CFP®

Dana and Tony on Tony's sailboat 1986 


Prior to his career in financial services, Tony spent 13 years at Digital Equipment Corp.  There he met many lifelong friends, including Dana's father, Ed Gilpatrick.  


"Tony likes to say that he knew me before I was born" Dana reflects.  "From a very young age I can remember Tony coming by the house to meet with my parents.  As I grew older and prepared for college, my parents began pushing me towards professionals to explore different careers, and Tony was no exception."

 

Dana instantly took an interest in finance.  After studying business management and economics at Clark University he was eager to begin a career in financial services and turned to Tony for guidance.


"I have always considered Tony a mentor.  Early on, he helped guide me through difficult career development decisions, and more recently I would turn to him for advice on complex financial planning cases."

Anthony R. Luzzi

 

Tony dedicated 34 years to the financial services industry before his formal retirement in 2024.


Throughout his career, he distinguished himself through an unwavering commitment to his clients by expertly crafting meticulous, cost-effective, tax-efficient strategies aimed at achieving long-term financial objectives. His guiding philosophies remains deeply ingrained in the business ethos to this day, and will leave a lasting legacy for years to come.


Tony has a Bachelor's ('74) and Master's ('76) degree in Civil Engineering from M.I.T. with a concentration in finance, economics, and applied mathematical modeling.


In his retirement, Tony enjoys spending time with family and friends, and playing hockey.

Dana E. Gilpatrick, CFP®

 

Dana began his career in financial services at Fidelity Investments in 2006.  During his time there he worked in various roles within the organization. He quickly realized that his passion was helping individuals meet their financial goals, and began working at a Fidelity Investor Center helping clients with their financial plans. 


Dana earned a Certificate of Advanced Study of Financial Planning from Merrimack College, as well as his Certified Financial Planner (CFP®) designation.


Dana graduated from Clark University ('06) with Bachelor's degree in business management and economics minor.