Our Team



Ed Ronan, CFP®

Lead advisor

The qualities that make Ed Ronan a successful and sought after financial consultant were learned long before he became a CERTIFIED FINANCIAL PLANNER™ Practitioner. As a child Ed loved the game of ice hockey and was driven to become the very best he could be. Unbeknownst to him at the time, his dedication and commitment to the sport would lead to a career as a professional, NHL hockey player. The characteristics that Ed either already possessed or acquired – discipline, mental toughness, teamwork, perseverance, work ethic and focus – rewarded him with an athletic scholarship to Boston University and ultimately a Stanley Cup Championship in 1993 while playing for the fabled Montreal Canadiens.
It is these same characteristics that have served his clients so well in the 24 years he has worked as a financial advisor. He began his job search interviewing at such widely known firms as American Express and Merrill Lynch. However, it was the independent and objective approach of Bay Financial Associates, LLC and the independent broker dealer, LPL Financial, which best suited Ed’s personal philosophy. He also felt a smaller, more efficient, less rigid firm like Bay Financial Associates could be more responsive to the needs of his target audience. He accepted an advisory position with the 50 member firm in the summer of 1998.  In 2016 Ed started 1st Line Financial, LLC while maintaining his professional relationship with Bay Financial Associates, LLC.   Ed continues to operate his practice and 1st Line Financial in the same manner he did in becoming an elite athlete. That is, with complete preparation, focus, teamwork, and the motivation to succeed.  
Ed and his wife Leah have been married for 29 years and live in Wolfeboro, New Hampshire and Millis, Massachusetts. They have three wonderful children: Corey, Aubree and Cassi.
In his leisure time, Ed enjoys most outdoor activities such as boating and swimming, skiing and tubing, hockey, hiking and golfing.  He is also an avid “crossfitter” and enjoys competing in local charity hockey events and CrossFit competitions.

To learn more about Ed go to: In the Locker Room

Financial Planning offered through Bay Financial Advisors, A Registered Investment Advisor and separate entity from LPL Financial. Securities and advisory services offered through LPL Financial, a registered investment advisory, Member FINRA/SIPC.

Judy Moran

Administrative Assistant

After graduating from Suffolk University with a degree in Business Management, Judy started her career in retail banking in the Foreign Exchange department at the Bank of Boston.  Several years later she found herself in the fixed income sales/service department and realized very quickly that what she enjoyed the most about her work within the bank was her interactions with clients.

In Sept 1993 Judy married her husband Dave, and 4 years later they were blessed with their first daughter, Sarah.  It was at this point that Judy decided to put her career on a temporary ‘hold’.  Judy has always placed her priorities as a wife, mom, daughter, sister, and friend above all else.

As is so often the case for many moms, once Judy was ready to re-enter the workforce, she found herself “lacking the necessary experience”.   Judy was confident that her education and financial industry experience gained earlier in her career, along with the added skills gained from managing a family (patience, attention to detail and flexibility) would be an asset for the right business.  One that truly prioritizes the customer experience.   That opportunity presented itself in 2013 when a relative introduced Judy to Ed.  

Judy and Dave have been married for over 30 years and reside in Framingham. They enjoy being “empty nesters” but still enjoy any family time they get.  After completing her master’s degree in industrial engineering in 2020, Sarah took a job with BAE Systems. In May of 2023 Colleen finished her master’s degree in English Literature and will be traveling for a bit before she settles on her next journey.

Judy enjoys camping, hiking, and traveling, and cherishes her time spent with family and friends.  Her life has always been about her relationships and that includes those established with her clients at 1st Line Financial over the past 10 years.

To learn more about Judy go to: In the Locker Room


Our Partnership with Bay Financial Associates, LLC

Bay Financial Associates has been providing financial advice and services since 1951.  Our Partnership with Bay Financial Associates allows us, when needed, to bring together a team of top professional advisors on your behalf that have knowledge outside of 1st Line’s area of expertise, such as specialists in Elder Care planning, Special Needs planning, and sophisticated life insurance strategies. Working collaboratively, these experts help us develop an integrated strategy that considers your unique financial planning objectives, your priorities, and your values.

John S. Kerr, CLU, ChFC

John is a Principal of Bay Financial Associates, LLC and consults with all advisors across the branch in a mentorship role.

Joseph Donovan JD, LL.M

Joe is the Managing Principal of Bay Financial Associates, LLC and has spent his career implementing wealth transfer, charitable and business succession planning strategies for high net worth families.

John J. McCarthy, III, CLU, CFP®

As the Chief Financial Officer of Bay Financial, Jack oversees key aspects of the firm's investment policies and strategies.

Susan P. McGuire

Chief Compliance Officer

Susan is the Chief Compliance Officer, overseeing the account servicing, compliance and investment operations.

Thomas P. Loonie, CPA, MSFP

Tom is the Director of Financial Planning and Insurance Associates, specializing in providing financial planning analysis and wealth management strategies to advisors and clients alike.