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Your Team

We’re Investment Advisory Group, a team of dedicated professionals ready to put the pieces of your financial puzzle in place.



Together, we have over 90 years of cumulative financial planning experience that we’re proud to put toward achieving your picture on the box. In doing so, our team is dedicated to listening and understanding every client’s unique needs, goals and concerns.

Outside of the office, we believe in the importance of giving back to the community. That’s why we are honored to help and support the following organizations and charities:



Learn More About Our Team Members


Jay Richards - CFP®

Jay Richards - CFP®


Jay Richards is the managing partner and Chief Compliance Officer of Investment Advisory Group. He has over 30 years of experience. Jay is a CERTIFIED FINANCIAL PLANNER™ (CFP®) certificant dedicated to fulfilling his clients’ needs and objectives by looking at their whole life picture.

After years of working with clients at a large institutional investment firm, Jay discovered a passion for putting the client first. He began dedicating his time to helping clients make good financial decisions independent from specific products or services.

Bringing a multifaceted view to the table, Jay is the holder of a Massachusetts Individual Insurance Broker’s license, giving him the direct experience and knowledge to advise clients with insurance needs. In addition, Jay holds several registrations including Series 7, 63 and 65.

Jay graduated from Hofstra University with a Bachelor of Science degree in finance.

Community Involvement


In his free time, Jay gives back to the community by offering his services to patients and their families through the financial coaching program at the Dana-Farber Cancer Institute.

George McCall - CFP®

George McCall - CFP®


George McCall is a managing partner of Investment Advisory Group. A real wealth of knowledge to the team, George’s extensive experience in the financial field started with a teaching degree in business education from the University of Massachusetts and continued on through his work with the IRS and Massachusetts Department of Revenue.

George has also attended the Master's program in Finance at the University of Western New England and graduated from the College of Financial Planning in Denver, Colorado.

George’s designations and registrations include:

  • Certified Financial Planner (CFP®)
  • Series 6, 7, 22, 24, 51, 63 and 65
  • Massachusetts Individual Insurance Broker's license

Paul Reardon - CFP®

Paul Reardon - CFP®


Paul Reardon is an associate of Investment Advisory Group. Spanning more than 30 years, Paul’s financial planning career began in 1991 as an advanced advisor and training manager for American Express Financial Advisors. Prior to this, he obtained a Bachelor of Science degree in Business Administration from Providence College. Paul is also a graduate of the College of Financial Planning in Denver, Colorado.

Paul’s designations and registrations include:

  • Certified Financial Planner (CFP®) practitioner
  • Series 7 and 63
  • Massachusetts Individual Insurance Broker's license

Community Involvement


Paul volunteers his time by serving as a board member and Vice President of a local Boys & Girls Club of America.

Ted Ciolkosz - CLTC™

Ted Ciolkosz - CLTC™


Ted Ciolkosz is a registered principal and associate of Investment Advisory Group. Following graduation from Providence College, Ted began a long-spanning career at Fidelity Investments in Boston. After years in the business, Ted chose to become an independent advisor. Considering himself an outdoorsman with strong ties to community service, Ted currently serves on the board of directors and finance committee for the non-profit Old Colony Hospice in Randolph, Massachusetts.

Ted’s designations and registrations include:

  • Certification for Long-Term Care (CLTC™)
  • Series 6, 7, 24, 51, 63, and 65
  • Massachusetts Individual Insurance Broker's license

Gail Hickey

Gail Hickey


Gail Hickey is a financial planning assistant for Investment Advisory Group. Her areas of specialty include client support, compliance, licensing and data gathering research.

Gail’s 20 years in the financial service industry began with a degree in business administration. During her three years working as a planning assistant at American Express Financial Advisors, she was recognized as a premier performer for her demonstration of high values and ability to achieve business results.

Cindy McClay

Cindy McClay


Cindy McClay is a financial planning assistant for Investment Advisory Group. Since joining Investment Advisory Group in 2004, Cindy has become Paul Reardon’s go-to for handling client services, financial planning, document preparation, marketing, and compliance.

During her 16 years in the financial services industry, Cindy has been recognized by her colleagues for demonstrating high business standards and practicing professional ethics on a daily basis.

Before joining Investment Advisory Group, Cindy worked as an office manager and senior financial planning assistant to multiple advisors at American Express Financial Advisors.

Karen Gilmour

Karen Gilmour


Karen Gilmour is a financial planning assistant for Investment Advisory Group with over a decade of experience in the financial services industry. She provides support in areas such as client services, financial planning, scheduling and administrative assistance for Jay Richards.

Rosemary Willow

Rosemary Willow


Rosemary Willow is a financial planning assistant for Investment Advisory Group. With an impressive 18 years of experience in the financial services industry, Rosemary is a useful resource for supporting Ted Ciolkosz in areas including client services, financial planning, document preparation, and compliance.

Check the background of this advisor on FINRA’s BrokerCheck.