Matt Carpenter

Founder, Managing Partner

Matt started CFS in 2005 after realizing both he and his parents had made some major mistakes in navigating the college admissions and financial aid processes. It became Matt's mission to show other families how to avoid making similar mistakes in one of the biggest investments of their life. Today, Matt is recognized as one of the nation's leading authorities within the College Funding niche. Together, with CFS, Matt has successfully guided thousands of families through the college financial aid maze.

Matt grew up in the Birthplace of American Independence, otherwise known as Ipswich, MA. He graduated from Stonehill College in 2004 after enjoying a great career in the classroom, much less so on the football field.

When he's not busy saving families from the college loan crisis, Matt enjoys hanging out with his wife Rosey, their daughter Emma, and their lab Tommy. They reside in Beverly, MA.

When the Carpenters aren't passionately supporting one of their favorite Boston teams, you might catch them at the beach, traveling, or attending a concert from any of these life-enhancing bands: My Morning Jacket, Band of Horses, Bruce Springsteen, Bon Iver or The War on Drugs.

    Bill Rabbitt

    Chief Operations Officer (COO), Managing Partner

    Bill started working with CFS in 2007 by helping found the NY/NJ office and is currently COO and Managing Partner. Bill's passion for the college funding space came from personal experience. Being 1 of 4 children of a blue-collar family, he witnessed his parents struggle to put 4 kids through college. He saw first hand the fear, anxiety, and stress that the process brought with it. His personal mission is to help families navigate this process in a strategic and fully educated way so as to limit the stress and cost as much as possible.

    Today, Bill is recognized as one of the nation's leading authorities within the College Funding space. Bill has worked with a countless number of families from every demographic, as well as, dozens of organizations throughout the country.

    Growing up in Bayonne, NJ Bill graduated from St. Peter's Prep High School. He went on to play football at Stonehill College and graduated in 2005. He now resides in Westfield, NJ with his lovely wife Danielle and two children Liam (5) and Claire (3).


      Matt Fratto

      Regional Director, College Funding Specialist

      After a standout football career at Harvard University Matt graduated in 2004 and found continued success on Wall Street.  After 8 years in NYC, he was fortunate enough to take a year off from his professional life and travel the world, with his now wife, Mary. 

      In 2014, Matt came back to his roots in Boston to pursue his passions in academia, athletics and entrepreneurialism.  As 1 of 4 children from a working class-family in Waltham Matt learned first-hand the challenges of college affordability.  College Funding Services has been the perfect match for all his pursuits.  

        Matt Mulhern

        Regional Director, College Funding Specialist

        Matt started working with CFS in 2012. After graduating from Rutgers University with a degree in Economics, Matt enjoyed a successful career in both the real estate financial services sectors with multiple New York City firms.

        Matt unexpectedly stumbled across the CFS website and liked what he saw. He decided to attend one of our live financial aid presentations. By the end of the workshop, Matt knew CFS was the perfect company for him.  The feeling was mutual.

        One of four children, Matt watched as his parents, both public school teachers, struggled to send four kids to college. Matt realized that his parents would have benefited greatly from the expertise of a professional. Helping families decrease their financial burdens while greatly reducing the stress and anxiety of the college process became Matt’s passion.

        Matt currently lives in Jersey City, NJ.

          John Galvin Bio Pic

          John Galvin

          Regional Director, College Funding Specialist

          John grew up in Oceanport, NJ and attended Shore Regional High school. John went on to attend the University of Delaware graduating Magna Cum Laude in 2008. After graduation, John pursued careers in the real estate and investment advisory fields. Despite John's success, he yearned for more. He found his passion in helping families navigate the financial aid process as his family struggled so much in this undertaking.

          John is still active in developing real estate and currently resides in Jersey City, NJ.

            Lisa Patella

            Executive Assistant

            Lisa has been a team member of CFS for since the summer of 2016. Lisa has been active in the Cranford community volunteering her time as a CBSL softball coach, PTA President and then later as a Board of Education member. She was born and raised in Bayonne, NJ. Lisa and her husband, Mike, moved to Cranford in 1991 and have been blessed with three wonderful children.

            Lisa is a lifelong Mets fan and has met most of the 1986 Championship NY Mets team.  Lisa enjoys spending her free time at the beach with her family.

              Jera Barrett

              Account Executive

              Jera has 5 years of experience in the financial aid field.  Before earning a full-time position, Jera had an internship with CFS while attending Endicott College.  Jera graduated Magna Cum Laude while earning a degree in Finance.  In addition to guiding herself and her brother through the college financial aid maze she has worked with hundreds of families struggling to do the same.  Originally from Northampton, MA Jera currently resides in Salem, MA.

                Joe Messinger

                Advisory Board Chairman

                16 years of financial services experience
                B.S. from Penn State in 2000
                Certified Financial Planner (CFP®) in 2014
                Chartered Financial Consultant (ChFC®) in 2011
                Member of FPA (Financial Planning Association)
                Columbus Business First "Forty Under 40" Class of 2013

                Joe is leading authority on late-state college funding and frequently speaks to organizations and parent groups, such as the OSCPA, FPA, XY Planning Network, BMI Credit Union, Westerville City Schools, At The Core, and CollegeWise, among many others.

                He was on the PSU football team for one season under Coach Paterno, but didn't see any game time. Joe actually went to college to become a chef. He loved the craft, but hated the grueling hours. His financial career was a total accident, spurred on by a friend's suggestion while in Atlanta. When he's not in the office, Joe is most likely at "a show" with his fellow jam band junkies. He is proud Victorian Village resident along with his dog, Bobby Weir. He recently joined a bowling league.


                  Bill Kelly, CFP, CPA

                  Advisory Board Member

                  Bill is the Founder and President of Verity Capital Management, LLC.   Bill received a B.S. in Accounting from Providence College and both a Master in Taxation and a Master in Financial Planning from Bentley University. Bill is also licensed as a CPA in Massachusetts. Prior to founding Verity Capital Management, LLC, Bill was a partner at a large local CPA firm and a CFO for a prominent distributor in the graphic arts industry.

                  Bill is a scratch golfer and avid sports fan. He and his wife live in Hull, MA and enjoy spending time with their 2 sons and grandchildren.

                    John Hupalo

                    Advisory Board Member

                    John Hupalo is the founder and CEO of Invite Education. John is a nationally recognized expert in education loan finance and college planning. He grew up in Bethpage and is a graduate of New York University (MBA) and Boston University (BA).

                    He is the author of Amazon’s Best New Release in June 2016, Plan and Finance Your Family’s College Dreams: A Parent’s Step-by-Step Guide from Pre-K to Senior Year. John has talked about college planning on more than 50 radio and TV shows, including Sirius XM, NPR and CBS Radio, and The Street with Gregg Greenberg. He has also been published or quoted in the New York Times, the Fiscal Times, the Wall Street Journal, Fox Business, and U.S. News and World Report.


                      David C. Bowman

                      Advisory Board Member

                      David C. Bowman, CFP® is our Director of Advisor Success for Capstone College Partners. Dave was an Associate Financial Advisor at a large fee-only RIA before starting Outsourced Planning, an outsourced financial planning solution for RIAs, and eventually co-founding Capstone College Partners.
                      He has a passion for helping planners run smarter, more intentional practices so they attract, retain and wow clients while focusing on what inspires them personally and professionally.

                      Dave is the go-to point of contact for our existing clients and loves helping them incorporate our tools, education, resources, and vision so they thrive throughout this process.


                        Brian Scanlon

                        Student-Athlete Coordinator

                        Brian is the Founder of The Recruiting Coaches. The Recruiting Coaches help families navigate the tricky waters of the college recruiting process by giving them the most truthful information and hands on guidance.  Their Coaches all have college playing and coaching experience, giving them an unparalleled viewpoint on the college recruiting process.  Brian's coaching experience comes in the form of being the Recruiting Coordinator for Babson College from 2010-2015, along with coaching for the Falmouth Commodores of the Cape Cod Baseball League.   Along with The Recruiting Coaches, Brian is a Partner at O'Hare Management, LLC, a boutique Merger & Acquisition Advisory Firm.  O'Hare Management provides sell-side and buy-side advisory services to companies with revenues of $5-$100 million.

                        Brian received his Bachelors and MBA from Babson College where he was a Captain of the Baseball Team. He has been a guest lecturer at Babson College and Johnson & Wales University.