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Get Busy Living

We are Unapologetically Honest About Your Financial Future Because You Deserve to Know the Truth

Meet The Team

It’s all about time. We believe it’s your most valuable asset. And we want you using your time where it’s best spent: On your passions. With the people you love. On the important things in life. Leave the rest to us. Our team will outline a clear and honest path to get you on track for living your best life. We’re going to challenge you. We’re going to hold you accountable. As the world and your life changes, we’ll be in your corner to support you every step of the way.

Let’s get started today. 

Click below to meet the Arcadia Financial team & to learn more about their Ideal Saturday.

Our Strategic Partners

We partner with…


Liz Nolin Law


Because You Deserve to BE HEARD

This is the part where we should make bold proclamations about various investment strategies. But can we be honest? None of that matters if it’s not exactly right for you. Why take investment advice from anyone who hasn’t taken the time to get to know you?

This section was supposed to be about us, but that’s not our style. This isn’t about our story.

It’s about your story.

What matters the most to you is what’s most valuable to us. Many people think their only option is to entrust their life savings to a cold, indifferent financial institution. We know you deserve better.

And we’re not afraid to tell you the truth. Even when it’s hard to hear. Life’s too short to waste time on mistakes. For the right kind of person, maybe even yourself, this approach is like a breath of fresh air. Because we’ll let you know exactly where you stand and what it’ll take to get where you want to be in the future.

It’s the driving DNA of why we started our firm in the first place. It’s what’s helped grow our firm to where we are today with a dynamic team of financial professionals who want to help every day feel like Saturday for you.

Life’s too short to get hazy answers or jargon-packed financial advice. It’s also too short to not know if you’re on the right track. With Arcadia, you’ll never have to guess where you stand. We’ll tell you what you need to hear, no exceptions, and we’ll work with you to create a plan that’s best for your future.

If you’re okay with honest financial advice built with your best interests in mind, welcome to Arcadia: where every day can feel like Saturday.

See What’s Possible With Arcadia

If you’re ready to take total control of your financial future…

If you’re seeing what’s possible and want to lean into this opportunity…

If you know you need greater clarity, better momentum, and an honest perspective to eliminate regret in your financial future…

…you’re in the right place. And we’re here to take the next step with you. Start a conversation with our team today to see what’s possible through The Arcadia Way.

Michael Panico


Mike believes you deserve a plan for life that allows you to fearlessly live like every day is Saturday. That means living your best life as often as possible, creating memories with the people you care about most, and doing the things that inspire and define your story. 

What Arcadia does is help clients build a rock-solid financial foundation. It’s a plan with a three-fold focus: maximum lifetime retirement income, tax minimization, and legacy building. Once you’re confident that your money has been optimized and protected you can shift your own focus to matters most – living life! What’s stopping you?

Mike’s 21 years of financial planning experience has shaped him into a true leader and coach, helping clients find their path toward life fulfillment.  Mike founded Arcadia Financial with Jessica Panico, his wife and best friend.  Together they’re raising two amazing boys in Derry, NH. They love the big outdoors, being with family, and making frequent escapes to Cape Cod.  Mike holds a Bachelor of Science in finance from Babson College and became a CERTIFIED FINANCIAL PLANNER™ professional in 2008.

Jessica Panico

Chief Operating Officer

Jessica Panico is the Chief Operating Officer and Co-Founder of Arcadia Financial Group. She has been serving clients for over 18 years. Her primary focus is managing operations and marketing initiatives.

Prior to co-founding Arcadia Financial, Jess worked in various areas of the healthcare industry, most recently as a healthcare finance consultant. Her previous position was a perfect conduit to bring her from healthcare to the finance industry.

Jess has a Bachelor of Science in health psychology from Massachusetts College of Pharmacy and Health Sciences. She holds life insurance licenses in New Hampshire and Massachusetts.

Jess resides in New Hampshire with her husband and two adventurous sons. In her spare time, she enjoys being outdoors with the family, boating, and traveling.

Justin Champlain, CFP®

Financial Planner, EA, CFP®

Justin Champlain joined Arcadia Financial Group in September 2018. Prior to joining the firm, Justin worked at Goldman Sachs and Brown Brothers Harriman. He holds a Bachelor of Arts in economics from St. Lawrence University and received his CERTIFIED FINANCIAL PLANNER (CFP®) designation through Boston University.

Justin lives in Merrimac, Massachusetts, with his wife and dog. He enjoys boating, skiing and watching New England sports teams

Christopher Dube

Director of Planning Operations

Chris Dube joined Arcadia Financial Group in June 2021. Prior to joining the firm, Chris started his career in the financial industry as an agent with New York Life. Chris holds a Bachelor of Arts in Biology from Saint Anselm College. He also holds licenses in Life and Health, as well as Securities licenses 6, 63, and 65, in both New Hampshire and Massachusetts.

Chris, born and raised in Manchester, currently resides in Southern NH with his wife, son, and daughter. Chris enjoys spending time with friends and family, watching sports, and hacking up the golf course in his spare time.

Ryan Raphael

Service Advisor

Ryan Raphael joined Arcadia Financial in May of 2023. Prior to joining the team, he worked as a financial advisor for Bankers Life, Edward Jones, and LPL Financial in Roanoke, Virginia. He has 7 years of experience in the financial services industry.

Ryan holds a Bachelor of Business Administration from Roanoke College. He currently lives in Boxford, MA and is happy to be back home surrounded by family and friends!

Alex Bull


Alex joined the team here at Arcadia in August of 2021. Prior to joining the firm, Alex began his career working at the local Disney Store as a Lead Cast Member. There he strived to make every guest interaction feel personalized and memorable. He then stepped into the world of financial planning at Fidelity Investments as a Workplace Planning Consultant. Bringing his client experience with him, Alex found his passion for helping people live their best lives by guiding them through their 401k plan and coaching them to make the best choices.

Alex graduated from Wheaton College in Norton Massachusetts with a Bachelor of Art in both Political Science and Religious studies. In his spare time, Alex enjoys spending time with his family, traveling to gaming conventions with his friends, and competing in tournaments.

Will Esslinger

Client Onboarding Specialist

Will Esslinger joined Arcadia Financial Group in March 2018. He holds licenses for life, accident, and health insurance in New Hampshire.

Will’s background includes a decade of experience at Fidelity Investments, where he supported retirement planning and brokerage services as a client service representative. Immediately prior to joining Arcadia Financial, he worked with another independent advisory firm as a client service specialist.

Originally from Wisconsin, Will attended college at the University of Wisconsin-Madison. During his college years, he had the opportunity to study abroad in Kathmandu, Nepal. Will came out to the coast to join his family after getting his degree. He enjoys spending his free time watching movies, hosting barbecues, and playing board games with friends.

Carol Davis

Client Service Specialist

Carol Davis joined Arcadia Financial Group in November 2019. She holds licenses for life, accident and health insurance in the state of Massachusetts.

Carol’s background includes many years of experience in the financial services field working for a firm in Boston as the Director of Client Services where she supported brokerage services and insurance processing. Immediately prior to joining Arcadia she worked for a small local firm assisting with enrolling and educating retirement plan participants. She has a Bachelor of Science degree in health care administration from the University of Lowell.

Carol enjoys spending time outdoors, especially hiking in the White Mountains, cross-country skiing and kayaking. She has 2 grown sons and lives in East Wakefield, NH with her husband.

Kyle Kopaczynski

Client Onboarding Specialist

Kyle joined the Arcadia team in early 2022. Prior to this role he worked at Lincoln Financial Group on the life insurance side of the business where he gained a lot of background knowledge in retirement planning.

Kyle graduated from the University of New Hampshire in 2019 with a bachelor’s degree in Communication with a business focus. He currently resides in Litchfield, NH with his family and two cats.

He enjoys snowboarding in the winter and going to Hampton Beach in the summer. In the fall, his family hosts Patriots football game day parties for their friends and neighbors. Come on by!

Jonathan Jarvis

Client Service Specialist
Jonathan joined the Arcadia team in December 2022. Previously he worked as a Business Relationship Banker with Citizens Bank where he serviced local entrepreneurs in navigating uncertain times through the covid pandemic for their businesses and households alike. From retail banking, Jonathan brought his knowledge of personal and business finances into the insurance market and later revisit the finance industry by joining Arcadia Financial Group. Jonathan currently lives in Hudson, New Hampshire with his family and their adorable two cats and one corgi spending as much time as possible either cooking, trying new foods, or learning new things.

Cheri Georpe

Client Service Associate

Although Cheri Georpe began her career as a licensed secondary teacher, she joined the finance and insurance industry in 2006 as a customer service representative for a financial firm. In that role she assisted clients and brokers with questions regarding retirement products. She has had a wide range of industry experience over the last 17 years, from processing withdrawals and investment changes to making policy changes and managing commercial lines business. She is excited to enter this new chapter of her career with Arcadia Family.

Georpe is married to a seafarer and has one child. Their family grew bigger when they adopted five Siberian huskies and two green turtles.

Roxanne Morrison

Administrative Services Manager

Roxanne Morrison joined Arcadia Financial Group in August 2015. She graduated from Marian Court College where she studied Business Administration. She previously worked as a trust investment administrator to the senior trust investment officers at Eastern Bank. Bringing with her experience from both the corporate and investment worlds. Roxanne is a notary public in the state of New Hampshire, where she lives with her husband, son, daughter, and their dog Buddy. She enjoys spending time outdoors at the beach, skiing, and hiking with her dog.

Kaley Davio

Director of Marketing

Kaley Davio joined Arcadia Financial Group in February 2020. Prior to joining the team, Kaley worked at the NH Training Institute of Addictive Disorders as a Training Coordinator. She also has over 9 years of experience in Higher Education where she worked to transform the faculty and student experience and always strived to provide exceptional service. Kaley is bringing her passion for helping others and hopes to help transform the retirement process for everyone she comes across.

Kaley holds a Master of Science degree in Justice Studies from Southern NH University and a Bachelor of Arts degree in Forensic Psychology from Thomas College. Kaley currently lives in Laconia, New Hampshire with her Husband and two sons. When not at work, Kaley enjoys spending time with her family and friends, trying new restaurants, and going to the movies!

Antonio Baladad

Compliance Officer

Ton graduated with a bachelor’s degree in Political Science originally in preparation for studying law, but eventually opted to build a career in financial services. Ton has around 9 years of experience in the US securities industry with various roles in customer service, trading, and quality assurance. He was previously associated with E*TRADE and Wells Fargo before joining Arcadia Financial Group in 2023. Ton lives with his fiancée and their two cats.

Michelle Azulay

Executive Assistant

Michelle Azulay joined Arcadia Financial Group in March of 2022. She graduated from the Burdett School of Business in Boston. Her chosen career path of Executive Assistant has taken her from law firms to a school system and now on to financial services where she will assist AFG in operations and anywhere else she is needed! Michelle is a notary public in both Massachusetts and New Hampshire. Michelle and her husband, Mark, live in Litchfield, NH, where they enjoy socializing with family and friends in their three perennial gardens, swimming, cooking, fire pitting, and spending as much time as possible outdoors.

Taylor Maliska

Financial Planning Intern

Taylor joined Arcadia in May 2023 as a planning intern. He is from Keene, NH. Currently, Taylor is a senior Finance and Business double major at Saint Anselm college. His favorite sport is baseball, with wrestling and football being a close tie for second. Outside of Arcadia Taylor is the Vice President of a society at Saint Anselm where he makes charitable donations of time and finances on and off-campus on a regular basis and ensures the same of his peers. He is also an umpire for the greater Keene community. Taylor is excited to be a part of the Arcadia team to gain technical and soft skills along with connections that he will apply to his work at Arcadia.

Rose Guilas

Tax Administrator

Rose Guilas is the tax administrator for the Arcadia tax team. She has been in this position for several years now and assists other tax practices with workflow management. Her primary focus is managing task workflow, assisting internal teams, and ensuring that work is delivered to clients in a timely manner. Prior to joining Arcadia, Rose worked at the Sadovnick Morgan accounting firm.

Rose loves to travel, to do outdoor activities with her family, and to play different kinds of sports.

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