Our Team

Daniel Girard Jr., LUTCF

Managing Partner, *Wealth Manager

Daniel F. Girard Jr. is the President and Founder of Girard Financial Group. He was born and raised in Worcester, MA and is a 1996 graduate of Worcester State College, with a Bachelor's Degree in business administration. He began his career in the insurance and financial services industry in 1999 and several of his industry accomplishments are:

  • Qualifying member of the prestigious Million Dollar Round Table since 2003 ( www.mdrt.org ). Daniel is also a Top of the Table qualifier which is the highest level of membership and three time Court of the Table Qualifier. Achieving membership in MDRT's Top of the Table is a career milestone attained only by those who have demonstrated exceptional professional knowledge, client service and ethical conduct.
  • Attaining the prominent Life Underwriting Training Council Fellowship (LUTCF) industry designation from the American College in Bryn Mawr, PA.
  • Registered Representative of Cambridge Investment Research, Inc. and Investment Advisor Representative with Cambridge Investment Research Advisors, Inc.
  • Member of the National Association of Insurance and Financial Advisors (NAIFA) since 2002 ( www.naifa.org ). Also a Board Member of NAIFA Northeast.
  • 2006-08 President of the NAIFA's Central Massachusetts Chapter and current NAIFA Massachusetts Executive Board Member.
  • Daniel is an active member with the Estate & Business Planning Council of Worcester County ( www.ebpcworcester.org ), the Blackstone Valley Chamber of Commerce, and the Worcester Chamber of Commerce.
  • 2014 Worcester Business Journal 40 Under 40 Recipient .
  • Board Member of the Assumption School in Millbury, MA.
  • A Town of Millbury Finance Committee Member.
  • Board of Director Member and Finance Committee Member of Alternatives Unlimited Inc., which offers a unique Community Life for People with Disabilities.
  • Board of Director for Blackstone Chamber of Commerce.

Daniel and his wife Rebecca reside in Millbury, MA with their three children Louisa, Gabriella and Daniel III.

Schedule an Office Visit with Dan Girard

Michael R.Crotty, CFP®

Partner, Wealth Manager

Michael R. Crotty is a Partner of Girard Financial Group. Michael graduated from Bentley College in 2001 with a Bachelors Degree in Finance. He began his career in Financial Services in 2003 while working in a CPA firm and started his own practice in 2005 with Commonwealth Financial Group. Michael joined Girard Financial Group because he was looking for a partner to help better service his existing clients as well as build a well-rounded financial services practice for years to come.

Michael enjoys working with his clients to take the complicated aspects of personal finance and making them simple for his clients to make educated decisions to attain their personal goals.

Several of Michaels industry accomplishments are:

  • Attained the prominent Certified Financial Planner designation in 2007.
  • Registered Representative of Cambridge Investment Research, Inc. and Investment Advisor Representative with Cambridge Investment Research Advisors, Inc.
  • 2015 to 2016 President of NAIFAs Massachusetts Chapter and current NAIFA Massachusetts Board Member.
  • Member of the National Association of Insurance and Financial Advisors (NAIFA) since 2008 (www.naifa.org).
  • Board Member of NAIFA Northeast from 2013 to 2015.
  • Board Member of the Oak Hill Preserve Trust.

He currently lives in Wrentham, MA with his wife Julie and two boys Matthew and Braeden. Michael is an active coach for his boys in the King Phillip Walpole Youth Hockey Program. While not coaching Michael enjoys playing hockey, skiing, golfing and staying active.

Mary Girard

Director of Operations, Registered Representative

Mary Girard was born and raised in Worcester, MA. She has 20 years of experience in the banking industry. Currently Mary holds both her Series 6/63 and is also a Notary.

She currently resides in West Boylston, MA and loves to travel.

George Goulas

Registered Representative Financial Advisor

George Goulas was born and raised in Lowell, MA. He has a BS degree from Suffolk University in Boston, MA and earned his MBA at WPI in Worcester.

He comes to GFG after five years with New England Financial/Baystate Financial in Worcester, MA. Prior to his financial services career, he served in project management capacities for large medical technology companies as well as training companies in operational efficiencies.

George's goal is to provide families and business owners with assistance in building their financial freedom. He is committed to each of his client's individual financial success. He has the skills, knowledge, and experience required to help his clients meet their established goals. His personal goal is to become a lifetime resource for each and every client.

George lives in Oxford, MA with his wife Elaine.

Karen Norrman

Financial Consultant

Karen M. Norrman (nee Knapik) was born and raised in Grafton, MA. She graduated from Clark University with a degree in Economic and Business Administration, and went on to earn her Masters Degree there. She has over fifteen years of experience in financial services.

Karen joined Girard Financial Group in 2016 as an independent Financial Consultant. Her mission is to help her clients simplify their financial lives and maximize the effectiveness of their assets at every life stage. She is passionate about enabling each client to clearly see their current financial picture, and helping them develop and follow their personal roadmap to financial success.

Karen lives in Charlton, MA. When she is not in the office, she is active in her community and parish. She enjoys spending time with her two growing sons, travelling, and refinishing furniture.

Kara Secino

Director of Client Services Marketing

Kara Secino was born and raised in Rhode Island. She is a graduate of Bryant University with a Bachelor of Science in Business Administration. She currently holds her life, health, and accident insurance license.

She currently resides in Portsmouth, RI with her husband Stephen. They are activewith the Newport Yacht Club.