1776 Financial ServicesAn Independent Firm
1776 Financial Services
443 East Central St.
FranklinMA 02038
Phone: 508-520-0176
Fax: 508-520-7176
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About Us

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Mark Dittrich
Financial Advisor, RJFS
Founder, 1776 Financial

Since beginning his career in the financial services industry in 1992, Mark has spent the past 23 years devoted to helping clients meet their financial needs. He is able to provide a wide array of financial services including investment planning and portfolio development, retirement planning, wealth management, and college planning.

Mark graduated from New Hampshire College with a Bachelor's degree in business administration and finance. Mark enjoys donating his time and resources to local charities such as The Santa Foundation and Random Smile Project.

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Scott Dittrich
Financial Advisor, RJFS
Founder, 1776 Financial

Scott has lengthy experience in the financial services industry since having begun his career in 1982. Over 30 years of skill and knowledge have shown that the client can trust that their financial needs will be satisfied. Scott is proficient in attending to retirement planning strategies and helping clients focus on estate planning issues while he works with their legal and accounting advisers in developing their estate plan.

He graduated with a Bachelor's degree in Liberal Arts from Doane College and received a Master's degree in Education from Hofstra University. Scott is as dedicated to his community as he is his career. He is an active member of the Norfolk Lions Club, the Hockomock YMCA Board of Managers, and the Community Preservation Commission of Norfolk. Scott also donates time to local charities such as The Santa Foundation.

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Janet H. Frye
Financial Advisor, RJFS
Sr. Vice President, 1776 Financial

Janet is passionate about designing strategies designed to help clients reach retirement, educate their children, financially survive a premature death or catastrophic illness, and allow their estate to pass efficiently and according to their specifications.

That passion drives every decision she makes. With careful planning, measured action and sound techniques Janet helps her clients answer the question "am I going to make it?"

Janet's commitment to helping others is not limited to the clients she serves. Janet is a Notary Public* and an active supporter of her church as well as, King Phillip Football and is a proud sponsor of Wrentham youth baseball River Cats.  As a foster parent her family has welcomed into their home some of the community's neediest children.

A 1984 graduate of Trinity College in Washington, D.C., Janet holds a Bachelor of Arts degree in Economics and Business Administration with a minor in Philosophy. Her commitment to education continued with the completion of the Series 7, 63, 24 and 65 licensing, and she has 28 years of industry experience.

Originally from Walpole, Janet now resides with her family in Wrentham, MA. Her interests outside of finance include reading, skiing and biking. She especially enjoys travelling throughout New England with her husband, Dave and their son, Jackson. She has completed 5 marathons and the 173 mile Pan Mass Challenge to benefit the Jimmy Fund.

*Notary Services are not provided by Raymond James.

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Michael Constantine
Financial Advisor, RJFS
CTO, 1776 Financial

Michael is a "local guy" helping "local people" and "local businesses" reach their financial goals and objectives.

Michael was born and raised in Norfolk, MA. He attended King Philip Regional High School in Wrentham, MA and received a bachelor of Business Administration from the University of Massachusetts at Amherst. Michael also holds a Certificate of Advanced Study in Financial Planning from Merrimack College in North Andover, MA.

His process is simple:  Build the plan.  Work the plan.

When Michael is not at the field or at the rink with his wife and two boys, he is an avid hockey player, snowmobiler and motorcycle rider.

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Sally B. Wilkins
Financial Advisor, RJFS

Sally B. Wilkins, CFP®, has an extensive background in personal financial planning and investment advisory services.

With over 25 years’ experience, she has been in private practice in Sherborn, Massachusetts since 1987. She is a CERTIFIED FINANCIAL PLANNERTM professional, a Registered Representative, and a General Securities Principal with Raymond James Financial Services, Inc., member FINRA/SIPC.

Sally received a BA in Economics from Wellesley College and an MBA in Accounting from Babson College.

Her philosophy is that clients are best served if investment decisions are made in accordance with a carefully conceived financial plan. Her approach is to integrate the planning and investment processes on a continuing basis.

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Judy Ebsary
Financial Advisor, RJFS

Judy has been in the financial services industry for over 20 years.  Judy is able to offer comprehensive retirement, estate, financial and college planning.  She focuses on personalized solutions based upon client's risk tolerance, time horizon and liquidity needs so she may help clients achieve their overall financial goals.  Judy holds a series 7, 31 and 63 FINRA registrations. 

Judy resides in Northborough and her interests include golf, swimming and cooking. 

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Thomas Carlow
AMP Candidate

Tom graduated from Franklin High School in 2011. He resides in beautiful Franklin, MA as well. Tom received his bachelor’s degree in Business Management and his associates in Criminal Law, from Fitchburg State University and graduated in 2015. Tom is very fortunate to be mentoring  under the extremely experienced Scott Dittrich, one of the Founders of 1776 Financial. In addition to on-the-job schooling with Scott, Tom also deals with day to day client interactions.

Tom is dedicated to reaching out to prospects all while looking to expand his knowledge of the finance industry one client at a time. Tom’s approach of identifying client comfort levels and determining each client’s  own personal objectives to help create their financial plans is his primary goal. This will only enhance his relationships and his ability to help clients reach their own goals.

In Tom’s free time he loves playing hockey, golf, and really any other extra-curricular competitive sport. His experience in athletics and his coaching roles will help him deal with prospects and clients and work as a team to prepare the best overall plan. 

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Christine Montville
Branch Professional
Office Manager

Chris has been in the financial services industry since 2008.  She spent 6 ½ years at a large firm in Providence, RI before happily joining 1776 Financial / Raymond James in March of 2015. Previously, she spent 20 years at a major U.S. retailer in customer service management and trainer for new store openings in Eastern Massachusetts.
In addition to the role as office manager, Chris is responsible for all client communications, new/existing accounts and all their transactional needs and compliance requirements. A skilled problem solver, Chris seeks out to set a standard of excellence in client service.

When not at work, Chris is the captain of (newly named) The 1776 Financial & Friends Team for the annual Hyannis-Port Best Buddies Challenge since 2011. Chris also donates time to a local Jimmy Fund golf scramble each Labor Day weekend. Chris also enjoys spending time with her family, watching her daughter play soccer and perform in musical theatre and educate Jenny through travel experiences (less the Wi-Fi). 

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Wendy Loewen
Branch Professional

Wendy graduated from UMass Boston in 1990 and received a bachelor of Business Administration with a major in Finance and minor in Economics.  After graduating from college, Wendy went to work for Fidelity Investments at the World Trade Center in Boston and while there, earned her MBA from Bentley University.  After seven years at Fidelity and a brief two year stint at Stream International in Canton, MA, Wendy decided to stay at home with her 2 year old son Kyle, and infant daughter Amanda.   

After 10 years at home with her kids and helping her husband run his business, Mark and Scott asked Wendy to join them in opening the doors to 1776 Financial Services (her birthday) on May 1, 2009.  Currently Wendy is responsible for assisting Janet, Mike and Judy in managing their client relationships and is also responsible for managing the company books, accounts payable and receivable, company payroll, website management and new technology.

Wendy owns a vacation home in Moultonborough, New Hampshire with her husband Mark where they enjoy all the outdoors has to offer, on beautiful Lake Winnipesaukee.  Her son Kyle will be a freshman this year at UNH and Amanda is entering her junior year at King Philip High School in Wrentham, MA.

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Beth Carloni
Branch Professional

About Raymond James

In 1962, Bob James set out to build a different kind of financial services firm – one that put people, planning and principles first. And now, more than 50 years later, Bob's different kind of firm is one of the leading independent financial services companies in the United States.

Raymond James has grown to become a well-respected, widely recognized multinational firm with distinct business units that serve a variety of clients, from individuals and small business owners to municipalities and major corporations.

Milestone spotlight

October 19, 1987: Black Monday. While other firms closed their trading desks to minimize internal losses, Raymond James kept its desks open to meet clients’ needs. Because of Raymond James’ agency-based business model and commitment to client service, this was our first, last and only unprofitable quarter since the firm went public.

We can be sure the markets will change over the next 25 years, and that our industry and firm will continue to evolve. What won’t change is our commitment to the values that have driven our success.

By the numbers*

  • Approximately 6,700 financial advisors
  • More than 2.7 million client accounts
  • Over 2,700 locations throughout the United States, Canada and overseas
  • Approximately $500 billion in total client assets

It’s been our privilege for more than 50 years to support the goals of our clients and to give back to the communities in which we live and work – and we look forward to continuing to do so for many, many years to come. To take a “scroll” down memory lane, explore our history at RAYMONDJAMES.COM.

*As of 12/31/2015

1Past performance is not indicative of future results. The information provided is for informational purposes only and is not a solicitation to buy or sell Raymond James Financial stock.


Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

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