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 23 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 28 years and split their time between homes in Wolfeboro, NH and Franklin, 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, 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.

Brandon White

Financial Consultant

Brandon built characteristics of success long before he chose to embark on a profession as a financial consultant.  He grew up in the Midwest where he enjoyed everything outdoors (fishing, camping, hiking), organized sports, and spending time in his community helping others.  Through organized sports, Brandon earned his way onto a Division III football program in Wisconsin and studied to become a secondary educator.  From Wisconsin he went on to receive a master’s degree and a doctorate before settling down in New England and starting a financial services business.  His previous experience and studies as an educator have served him very well in his current career as a financial professional. 
Brandon began his career with a fortune 500 company before affiliating with a smaller firm both focused on protection planning (insurances), retirement, and investments.  In 2020, after a two-year personal family relationship between the Ronan and White families, Ed initiated a conversation with Brandon about his interest in joining 1st Line Financial.  Brandon had always intended on making a move to an “independent” relationship with clients and this appeared a great opportunity to do so.  After further discussion, ‘sole searching’, and simply coming to the realization that he and Ed had a similar vision, Brandon made the move to 1st Line Financial in early 2021.  Brandon is excited at the opportunity to work in a team environment focused solely on high level, personalized service for successful individuals, families, and business owners, helping them find financial prosperity as it pertains to all their personal goals.
Brandon and his wife, Kristen, live in Franklin, Massachusetts. They have three children, Addison (5) and Mason (3), and Cameron 6 months. They can be seen throughout Franklin at nearby playgrounds, the common, or leisurely strolls through the neighborhood.  Kristen is an academic coach at Dean College and enjoys everything that has to with helping students succeed in their higher education pursuits. 
Brandon is involved with a number of local recreational sport leagues, the chapter leader of a Franklin-based networking group and enjoys golfing in a local league out of Holliston.   

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


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 clientele.

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 mom’s, once just 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 a valuable 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 now been married for 28 years and reside in Framingham on the verge of becoming “empty nesters”.  Sarah recently completed her master’s degree in industrial engineering and is working for BAE Systems, while their second daughter, Colleen, is completing her Masters degree in English.

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 eight 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.