Who We Are

We Believe...

in taking the time to have unrushed conversations with our clients.

in getting to know them, what they care about, what they fear, and what they hope to achieve.

in educating people so they’re empowered to make the right financial decisions for themselves and their families.

in working hard at something you love and feeling good every day about the value you’re bringing to peoples’ lives.

in giving back to the community and sowing into organizations that matter.

in the power of setting goals, and helping others set and achieve them, too.

in helping people get their financial affairs in order so they can achieve true peace of mind.

in having positive energy, a warm and open spirit, and lifting people up.

in being approachable and making sure people are comfortable asking anything.

in ongoing education to stay in the know about the ever-changing financial landscape.

in being aligned with strong resources and partners to benefit our clients and their families.

that no matter where you are in life, and no matter how much financial preparation you have or haven’t done, the time to start is now.

Our Team

Elisa Chan

Co-Owner/Financial Advisor

Elisa started her practice in 2009 with the goal of bringing simplicity and understanding to the complex financial world. What this means to you is she takes the time to explain things clearly so you feel in control of your decision-making.

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Julianne Hertel Dahrooge, CLTC

Co-Owner/Financial Advisor

Julianne began her financial practice in 2007 to bring compassion, patience and understanding to the planning process. What this means to you is she will take the time to listen and educate you.

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Bianca Vareschi

Client Services Coordinator

Bianca began her career in the financial services industry in 2000 working in the mutual fund industry. In 2007, she took time off to focus on her family.

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Elisa Chan

Co-Owner/Financial Advisor

Elisa started her practice in 2009 with the goal of bringing simplicity and understanding to the complex financial world. What this means to you is she takes the time to explain things clearly so you feel in control of your decision-making. Born in Brazil, Elisa emigrated with her family to Massachusetts in 1994. A Framingham State graduate, Elisa’s roots are very much placed in New England where she continues to grow her business. Elisa is a former Board Member of the National Association of Financial Advisers (NAIFA) Massachusetts, and under NAIFA, she had personally lobbied in Washington D.C on issues that directly affect her clients. She was the Worcester District President for the Massachusetts Medical Alliance in 2017 & 2018. Elisa is also a qualifying member of The Million Dollar Roundtable1 (MDRT) since 2017.

Elisa is also a strong proponent of health and fitness. Her interests include cooking, running, and hiking. She lives with her husband, Alex, their baby Max, and their dog Toby in Shrewsbury, MA.

*The Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals, is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry.

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Julianne Hertel Dahrooge, CLTC

Co-Owner/Financial Advisor

Julianne began her financial practice in 2007 to bring compassion, patience and understanding to the planning process. What this means to you is she will take the time to listen and educate you. Prior to this business, Julianne worked in higher education and counseling at area colleges. She served two years on the Board of Directors for the National Association of Insurance and Financial Advisers (NAIFA) Massachusetts and also served as its Federal Political Involvement Chair. Through NAIFA, she frequently travels to Washington, DC to meet with legislators on issues that impact her clients. Julianne serves as the Political Involvement Leader for the Boston General Office of New York Life. In 2015, Julianne provided testimony at the Massachusetts Statehouse to the Financial Services Committee about how a proposed bill could impact a client’s ability to purchase disability insurance.

Julianne is a qualifying member of The Million Dollar Roundtable* (MDRT) since 2015. In 2018, she achieved Court of the Table status with MDRT. She also is a member on the MDRT Foundation’s Gives Day Committee, helping to raise money for global charities.

Julianne is also passionate about traveling and rescuing dogs. She serves as a foster parent for several animal rescues and shelters, with a certain fondness for elderly and disabled dogs. Julianne lives in Worcester.

*The Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals, is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry.

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Bianca Vareschi

Client Services Coordinator

Bianca began her career in the financial services industry in 2000 working in the mutual fund industry. In 2007, she took time off to focus on her family. Returning to the workforce in 2016, she joined Dream Big Financial as the Client Service Coordinator. Bianca lives in Millbury with her husband Jim, 3 children Olivia, Liam, Emerson and her dog Rocky. She enjoys spending time with family and friends and taking her dog on walks in the woods.

Alliances

Effective financial planning can sometimes require a team of experts working together to serve your best interests. In such situations, we are the quarterback who makes sure everyone is working together to achieve the best possible results. If you have existing team members you trust, such as your CPA or attorney, we are happy to work with them, and we can also bring in our subject-matter experts as needed. Some of our strategic alliances are detailed below.

Eagle Strategies LLC Logo

Through Eagle Strategies, Elisa Chan and Julianne Dahrooge provide fee-based financial planning, investment advisory services and access to investment management programs. Eagle Strategies LLC is registered with the Securities and Exchange Commission as an "Investment Adviser" and is an indirect, wholly-owned subsidiary of New York Life Insurance Company.

The Advanced Planning Group Logo

The Advanced Planning Group collectively leverages years of practical experience and disciplines in law, accounting and financial service, in order to provide New York Life agents with unparalleled assistance in estate, business, and life insurance planning. Because the Advanced Planning Group supports agents who have a nationwide clientele, the group has insight consulting on estate and business plans at all levels of wealth across all 50 states. The Advanced Planning Group is called to action to advise on hundreds of business and estate plans each year; and that means Elisa Chan and Julianne Dahrooge can bring experience, value and insight to your planning situation. The Advanced Planning Group does not provide specific legal, tax or accounting advice.

      Proud to Offer
New York Life Logo

Elisa Chan and Julianne Dahrooge are proud to be affiliated with New York Life Insurance Company. New York Life and its wholly-owned subsidiaries provide life insurance, fixed annuities, and long-term care insurance. A mutual insurance company, New York Life is one of the largest mutual life insurance company in the United States and holds the highest financial strength ratings currently awarded to any U.S. life insurer from all four of the major credit rating agencies: A.M. Best (A++), Fitch (AAA), Moody’s Investor Service (Aaa), Standard & Poor’s (AA+). (Source: Individual independent rating agency commentary as of 7/30/18.)

 

Our Process

One thing our clients appreciate about working with us is that we don’t believe in cookie-cutter financial services or a one-size-fits-all approach.

Instead, we follow a meticulous process designed to help get to know each client’s situation, goals and level of risk tolerance so that we can make appropriate recommendations to meet their needs.

Our first meeting is complimentary. We will get to know you better and can explain more about the different planning processes we offer.

Comprehensive Fee Based Financial Planning

We look at the many different components that may impact you reaching your goals, including exploring the obstacles you face, and playing out different scenarios to help you reach those dreams.

A comprehensive plan includes

  • A thorough review of your current financial situation
  • A discussion and understanding of your short and long term financial goals
  • The development of a plan to take you from where you are today to where you want to be in the future

A solid financial strategy includes, among other topics specific to your life situation and goals:

  • Retirement planning
  • College planning
  • Estate planning
  • Insurance

There is a charge for the comprehensive plan, and it typically involves 3-5 in-depth meetings.

Basic Financial Planning

Sometimes clients have an immediate need to address, or there will be a significant change in their life that could make completing a comprehensive plan unnecessary at this moment. We help clients in such areas as retirement planning, college funding, and insurance planning.

There is no charge for this process, and it typically entails 1-3 meetings.