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
Nichole D. Raftopoulos
CFP®, CDFA™, AIF®, MPAS℠
CEO, Nvest Financial, LLC
Principal, The Nvest Group, LLC
George Raftopoulos
CM&AA, CFP®, CEP®, MBA
President, Nvest Financial, LLC
President, ROI-Cubed, LLC
Principal, The Nvest Group, LLC
Daphne L. Lafazan, CEP®, AIF®
Financial Consultant
Meagan E. MacKinnon, AIF®
Financial Consultant
Dinon Hughes
Associate Financial Consultant
Justin M. Happ
Compliance Manager, Research Analyst
Joseph E. Alger, CFA®
Research Analyst
Mina C. Sullivan
Team Lead, Senior Client Administrator and Marketing Coordinator
Jordan Formichelli
Client Relations Manager
Stacey DeBartolo
Senior Client Administrator
Phoebe Coburn
Client Administrator
David A. Capotosto
Senior Consultant
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 coursework 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 2022—a distinction based on annual production that places her among the top 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.
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 fourth 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 directors 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.
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, and other securities licenses held through 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 New York City, 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.
Meagan E. MacKinnon, AIF®
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 holds the Accredited Investment Fiduciary® (AIF®) designation and 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.
Dinon Hughes
Associate Financial Consultant, Nvest Financial
Dinon is passionate about assisting clients with developing and helping to implement their financial goals and aspirations. His prior experiences at other financial firms have led him to Nvest, where he feels he can craft the closest connections and help provide financial confidence with the relationships he builds. He is an integral part of the Nvest planning team.
Dinon joined Nvest Financial as an intern during his final semester of undergraduate studies at Bentley University. There he spent his time studying economics and finance. He narrowed his scope of studies to financial planning and, upon graduation, completed the CFP® Board-certified education program.
Dinon is a Southern Maine native and takes advantage of all that the seacoast has to offer. He has a strange obsession with a lawn game called Spikeball, traveling throughout New England to compete in tournaments.
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!
Joseph E. Alger, CFA®
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 holds the CFA® designation (Chartered Financial Analyst®) 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.
The CFA® credential is the most respected and recognized investment designation in the world as it demonstrates superior competency in advanced portfolio management, financial expertise, and technical skills, underpinned by ethical conduct and the highest standards of practice. Successful CFA Program candidates report that they spend an average of 1,000 hours, in aggregate, studying for all three levels.
In his free time, Joe enjoys running, hiking, and attempting to lower his golf handicap.
Mina C. Sullivan
Team Lead, Senior Client Administrator and Marketing Coordinator, Nvest Financial
In Mina's role as Team Lead, 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 and 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 son, husband, and two dogs. As a diehard Red Sox fan, she loves watching games at Fenway Park during the baseball season!
Jordan C. Formichelli
Client Relations Manager, Nvest Financial
Jordan Formichelli is the Client Relations Manager based out of the Portsmouth, New Hampshire, office and is dedicated to making sure our clients feel secure and supported during their experience at Nvest.
Her focus is on guiding clients through everyday requests and helping to resolve issues in a timely manner, providing a friendly face and warm voice no matter what type of assistance is needed: funding accounts, technology troubleshooting, providing documents, and more. She also takes on several tasks within the office to make sure operations run smoothly for both locations. Jordan is here to 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 a Master's 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 New Hampshire seacoast area. When at home, she loves to hang out with her two dogs, Winnie and Clark.
Stacey DeBartolo
Senior Client Administrator, Nvest Financial
Stacey joins Nvest Financial with the merger of Safe Harbor Retirement Planning and Nvest. Stacey originally joined Safe Harbor in 1997 and served as Director of Operations and Client Service. With the Nvest merger, she will continue to serve in a similar capacity as it pertains to Safe Harbor clients.
Stacey coordinates and maintains client accounts, responding to client inquiries and following up on outstanding issues while making the transition between the two firms go smoothly. Her role includes helping the Nvest advisors, most notably Nichole, help to understand the clients and their personal needs.
Stacey is passionate about her commitment to clients and this passion comes through in everything she does each day. Stacey acts on the belief, “Treat people the way you want to be treated, with respect, kindness, honesty and patience,” which fits in nicely with the way Nvest approaches things.
Stacey is a graduate of Emerson College in Boston, MA and is a native of the North Shore where she still resides with her husband, son and two dogs.
Phoebe A. Coburn
Client Administrator, Nvest Financial
Having been born and raised in the State of Maine, Phoebe serves as Client Administrator out of the Kennebunk office. She’s hardworking and ambitious and eager to take on multiple tasks. Her prior roles include an administrative support role for two VPs of a low-income housing management company in Maine. With her love for helping people figure out their problems in order to come to a great solution that can work for everyone, Phoebe is a natural fit with the Nvest team.
Phoebe graduated with a bachelor’s degree in Spanish at Roanoke College and continues her education, something that is highly regarded within the Nvest culture, with a Master’s degree at Saint Joseph’s College of Maine. Her passion for learning other cultures and languages are part of her desire to be able to help out many different people.
Maine brings out her love for being outside in all the different seasons that New England offers. Whether it’s snowboarding in the winter, hiking with her two dogs or floating down the Saco river, you can always find Phoebe doing an outdoor activity.
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 start-up of numerous new ventures, as well as working with mature operations to grow their teams and operations. Additionally, David sits on the boards of directors for a number of manufacturing companies.
*Business consulting services offered through ROI Cubed are separate and unrelated to Commonwealth.
