Five Star award winner Melissa Gallant, CFP®, AWMA®, CRPC®

PROFESSIONAL PROFILE

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Melissa Gallant, CFP^®, AWMA^®, CRPC^®

Investment Advisor Representative

CA Insurance License # 4212872

Winchester Financial Group

91 Montvale Ave

Stoneham, MA 2180

Office: 781-438-0110

mgallant@winchesterfinancial.us

Professional Approach

Melissa has close to 20 years of experience in the financial services industry and partnered with Winchester Financial Group in 2020 to continue her passion for helping individuals accomplish their financial goals and dreams. She focuses on helping her clients through the financial planning process and enjoys forming long term, personal relationships with those she works with. She believes that working with the right financial planner who can help educate and advise you on all your options, will allow you to make better-informed decisions and understand how each decision can affect another area of your financial picture.

Born and raised in Massachusetts, Melissa knew from an early age that she was interested in the financial industry. She began her career in 2003 working for a local broker dealer. Melissa learned quickly what it took to build a successful practice and the importance of helping individuals pursue their financial goals. She has networked with some of the best in the field and learned valuable lessons that she has carried into her own practice.

Melissa holds a Bachelor of Science in Business Administration from Bryant College and received a Certification of Advance Study in Financial Planning from Merrimack College. She holds Series 6, 7, 63 and 65 securities registrations and has taken additional exams to become a Certified Financial Planner™ (CFP®) professional, Accredited Wealth Management Advisor designee (AWMA®) and Chartered Retirement Planning Counselor designee (CRPC®).

Melissa currently resides in Salem, NH with her husband Greg. She has a love for country music and enjoys traveling, spoiling her nieces and nephew, and spending time with family and friends.

See Accomplishments

This award was issued on 02/01/2024 by Five Star Professional (FSP) for the time period 04/10/2023 through 10/31/2023. Fee paid for use of marketing materials. Self-completed questionnaire was used for rating. This rating is not related to the quality of the investment advice and based solely on the disclosed criteria. 4,421 Boston-area wealth managers were considered for the award; 580 (13% of candidates) were named 2024 Five Star Wealth Managers. The following prior year statistics use this format: YEAR: # Considered, # Winners, % of candidates, Issued Date, Research Period. 2023: 3,923, 578, 15%, 2/1/23, 5/23/22 - 1/6/23; 2022: 4090, 513, 13%, 2/1/22, 5/24/21 - 11/19/21; 2021: 4069, 480, 12%, 2/1/21, 5/25/20 - 11/30/20; 2020: 3580, 463, 13%, 2/1/20, 4/1/19 - 12/13/19; 2019: 3619, 566, 16%, 1/1/19, 4/18/18 - 11/6/18; 2018: 2819, 532, 19%, 1/1/18, 3/23/17 - 11/10/17; 2017: 2467, 623, 25%, 12/1/16, 3/26/16 - 11/23/16; 2016: 2530, 632, 25%, 12/1/15, 5/18/15 - 11/6/15; 2015: 3542, 801, 23%, 1/1/15, 5/18/14 - 11/6/14; 2014: 1707, 655, 38%, 1/1/14, 5/18/13 - 11/6/13; 2013: 2362, 713, 30%, 1/1/13, 5/18/12 - 11/6/12; 2012: 2591, 454, 18%, 1/1/12, 5/18/11 - 11/6/11.

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Securities and investment advisory services offered through Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC-Insurance license # 0644976), member FINRA/SIPC , a broker/dealer and a Registered Investment Advisor. Cetera is under separate ownership from any other named entity.

Registered branch located at 91 Montvale Ave, Stoneham, MA 02180

Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The award is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser (RIA) or a registered investment adviser representative; 2. Actively licensed as a RIA or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by FSP, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or FSP’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through FSP’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. FSP does not evaluate quality of services provided to clients. The award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients’ assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by FSP or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by FSP in the future. Visit www.fivestarprofessional.com.