About Great Bay Financial Group
Who We Are
A Planning Firm Built on Education
Great Bay Financial Group is a registered investment advisory firm serving pre-retirees and retirees through every phase of their financial lives, building wealth, transitioning out of full-time work, and drawing dependable income for decades to come.
We believe the people we serve should understand every recommendation before acting on it. That's why education sits at the center of everything we do, from our first conversation to every annual review after it.
Our Philosophy
Risk First. Always.
Markets can't be predicted — but they can be planned for. Our proprietary RiskFirst® approach looks at risk before return, asking one question before any other: what happens to your plan if the market has a bad year at the wrong time?
From there, we build a coordinated retirement system that goes well beyond a portfolio — because true financial well-being touches your income, your taxes, your insurance, and the legacy you leave behind.
Our Process
How We Work
Every relationship follows a defined process: a discovery conversation about your goals and concerns; a full review of income, investments, taxes, insurance, and estate documents; a written plan in plain English; and ongoing reviews as life and markets change.
No product pitches. No pressure. A process you can see, understand, and question at every step.
Meet The
Great Bay Financial Group Team
Jennifer Farrington, Ph.D
Investment Advisor Representative
Jen joined Cutter Financial Group, LLC with over 27 years of professional experience. Prior to joining Cutter Financial Group, she worked in a variety of companies, including the accounting offices of Brown Rudnick, Freed & Gesmer, companies such as Pfizer and Altana Pharmaceuticals, and most recently at Associates of Cape Cod, Inc.
Bonnie J. Nowik-Cohen
Office Administrator
Bonnie grew up in a family that valued entrepreneurship, natural curiosity, and a strong belief in the golden rule: treat others as you wish to be treated. Those values have guided Bonnie throughout her professional and personal life — values she brings to bear for every Cutter Financial Group client.
Sheri Kulis
Director of Operations
She graduated from the University of Massachusetts with a Bachelor of Science in accounting and has worked in the financial community for over 30 years in a variety of accounting, operations, and business management roles.
Ethan Kapsambelis
Investment Advisor Representative
Ethan has joined Cutter Financial Group as an Investment Advisor Representative. His most recent experience as a Financial Services Professional with another firm headquartered in Charlestown, MA has equipped him for a successful transition into the Cutter Financial Group family.
Allison Oberton
Marketing Manager