What We Do
A Partner On
Your Life Journey
Knowledge is power. It’s also the foundation for intelligent, well-considered decisions. When you have retirement in sight, sound decisions are vital in helping you pursue your goals and avoid costly mistakes that can affect your future.
Our firm is committed to helping people just like you create solutions for their retirement assets. We want to understand your risk tolerance, time horizon and goals, and then will work diligently to develop and manage a program that carefully balances investment strategies with preserving principal.
About Us
A Team That
Understands You
Today’s economic environment brings challenges. But along with challenges come opportunities and potential rewards. Together, we will evaluate these opportunities and position you to reap the rewards. Helping people build a solid financial foundation for the future is the core mission of our firm.
Matthew Carbray
CFP® ChFC® CLU® CExP®
Managing Member/CERTIFIED FINANCIAL PLANNER™
Matthew Carbray offers comprehensive financial planning advice to individuals, families, and small business owners. Partnering with clients to define their financial priorities, short-term goals, and long-term aspirations, Matthew designs comprehensive, customized, and flexible financial plans to help them achieve their desired financial futures. A core focus of Matt's practice is helping business owners and entrepreneurs to figure out how to successfully exit their business. Recently Matt obtained the Certified Exit Planner (CExP™) designation from the Business Enterprise Institute, Inc.
Prior to founding Ridgeline Financial Partners, Matthew began his career as a financial planner with New England Financial in 2002 and co-founded Carbray Staunton Financial Planners, LLC, in 2006. Matthew earned a BS in financial services with a dual minor concentration in law and taxation from Bryant University in 2002 and holds the CERTIFIED FINANCIAL PLANNER™ certification, and the Chartered Financial Consultant® and Chartered Life Underwriter® designations.
Christopher Connelly
Managing Partner
Chris Connelly is president and co-founder of Foley/Connelly Financial Partners, LLC. along with being a managing partner here at Ridgeline Financial Partners North LLC. Chris is a graduate of the University of Massachusetts Amherst with a degree in Economics.
Chris has been in the financial services field since 1998 and co-founded Foley/Connelly Financial Partners in 2004 with Brian Foley. Chris specializes in Wealth and risk management for high net worth individuals and closely held businesses. His primary focus is in the areas of investments, retirement, and executive benefit planning.
Owen Freeman-Daniels
CFA®, ChFC®, CASL®, CFP®
CERTIFIED FINANCIAL PLANNER™
Owen Freeman-Daniels, CFA, ChFC®, CASL®, CFP® is a planner for Ridgeline Financial North. Owen grew up in Northampton, MA and graduated from Northampton High School in 1997. He graduated Magna Cum Laude from Amherst College with a degree in Special Studies (ethics).
Owen started in the financial services industry in 2001 with New England Financial a MetLife affiliate. He worked on financial strategies, investments, and insurance for retirees, farmers, young families, and eventually found an affinity with public employees. In 2005, Owen started his own practice called Public Employees' Retirement Insurance Services (PERIS) in order to focus on the financial needs of public employees, especially in Massachusetts. Since then, Owen has done scores of trainings and workshops throughout Western Mass on the subjects of MA pension projections, retirement & benefits planning, and insurance during retirement.
Kathryn Blake
CFP®
DIRECTOR OF FINANCIAL PLANNING
Kathryn came to Ridgeline Financial Partners as a Financial Planning Specialist, changing careers after over 20 years in healthcare. Prior to starting her role here, she completed the CFP® curriculum and passed the exam in 2023. In alignment with her core value of helping people, she also volunteered as a tax preparer and quality reviewer for the Volunteer Income Tax Assistance program through the IRS.
Under Matt’s guidance and mentorship, she continued to develop her skills as a financial planner, satisfying her experience requirement and becoming a CFP® professional in June 2025. Starting September 1st, 2025, she will oversee the financial planning team as Director of Financial Planning, leveraging the collective experience of the team and her own experience to streamline and improve our process. She will continue to be very involved with client meetings and create customized financial plans for client families, working closely with the other advisors. In addition to being a CFP® certificant, she holds the Series 65 license and is an Investment Advisor Representative for Kestra Advisory Services, LLC.
Kathryn lives in Canton with her husband, Bob, and her son, Max. She enjoys hiking, cross-country skiing (whenever there is enough snow!), reading, and spending time with family.
