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 Philip 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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Mark Lehoullier
Financial Advisor, RJFS

Mark has a passion for helping his clients build, manage, and preserve their wealth with unbiased advice, so that they can feel comfortable and confident.  As a trusted advisor, Mark is committed to using every available resource to help ensure their financial success. Our independent business model is structured in a way which allows him to put his client’s interests first.  Mark is a Chartered Retirement Planning Counselor® and Chartered Mutual Fund Counselor® with focused training in retirement and investment planning.

 Mark was born and raised and educated in Southeastern Massachusetts, and now resides in Plainville MA. He is married to his beautiful wife Susan and they have two wonderful teenagers- Matthew and Madeline. Outside of work, Mark coached various baseball, softball, and basketball programs for his children and was a volunteer member of the King Philip Basketball Association. He enjoys playing basketball and outdoor activities with his wife Susan.

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Thomas Carlow
Financial Advisor

Tom became a financial advisor at 1776 Financial/Raymond James in 2015.  He received his bachelor's degree in Business Management and his associates in Criminal Law from Fitchburg State University, graduating in 2015.  Tom also holds the series 7 and 66 securities licenses.  Tom is very fortunate to be mentoring under Scott Dittrich, Co-Founder of 1776 Financial and Financial Advisor whom has 30+ years experience in the industry.  In addition to on-the-job training with Scott, Tom also deals with day-to-day client interactions.

Tom is dedicated to reaching out to prospects and 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 ultimately enhance his relationships and his ability to help clients reach their financial goals.

Tom grew up, graduated high school and currently resides in Franklin, MA.  In Tom's free time he loves playing hockey and golf.  Tom also spends his time coaching varsity hockey at King Philip High School in Wrentham, MA.  His experience in athletics and his coaching roles help him interact with prospects and clients to work as a team, and prepare an appropriate 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.
Chris assists Scott Dittrich, Mark Dittrich and Thomas Carlow with all their clients. She 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 the 1776 Financial & Friends Team for the annual Hyannis-Port Best Buddies Challenge since 2011. Her daughter Jenny is the Junior Captain and rides along with her friends too. Chris also donates time to a local Dana Farber / Jimmy Fund golf scramble each Labor Day weekend. Chris also enjoys spending time with her family, watching Jenny play soccer, perform in musical theatre and educate her 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 on May 1, 2009.  

 Wendy assists Mike Constantine, Janet Frye and Mark Lehoullier with all their clients. In addition, Wendy is also responsible for managing the company books, accounts payable and receivable, payroll, and insurance.

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Beth Carloni
Branch Professional

Beth was hired as our receptionist in July of 2009.  She is the first person to greet you on your way in, grab you your coffee the way you like it and direct your calls (after she checks in on your well being and possible latest vacation news). 

Beth assists Sally Wilkins with all her clients. In addition, Beth is in charge of sending out distributions, all check deposits, updating addresses and any other supportive duties when needed.  Beth has recently taken on an operational supportive role to the office manager as well.  Beth also takes care of our office supplies, copier needs, plant revivals and the overall cleanliness of the office.

Beth's career as a business assistant began after graduating Fisher Junior College with an associate's degree.  Eight years later, she married and was a stay at home Mother for her four children for 18 years.  When her last child left the nest, going back to work was her plan.  In her free time, Beth enjoys music, tennis, horseback riding and most recently traveling.

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Christina Campbell
Marketing Coordinator

Christina is a lifelong Norfolk resident.  She graduated from King Philip Regional High School in Wrentham and then graduated cum laude from Boston College with a Bachelor of Arts in Communications.  After college, Christina worked as an administrative assistant in the Massachusetts Governor's Office and later was the Assistant to the Deputy Director of the Massachusetts Port Authority.  More recently, she has worked as an administrative assistant at the Norfolk Housing Authority and is delighted to join our team as our Marketing Coordinator.

Christina resides in Norfolk with her husband and three children.  Her free time is mainly spent with her family at theater and dance rehearsals and hockey and lacrosse practices.  She especially likes being in the rink again for her son's hockey games as she is former figure skater herself.  Christina won a silver medal in ice dancing at the 1984 World Junior Figure Skating Championships in Sapporo, Japan and also was the 1984 United States Junior Ice Dance Champion.

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 7,100 financial advisors
  • More than 2.9 million client accounts
  • Over 2,800 locations throughout the United States, Canada and overseas
  • Approximately $604 billion in total client assets
  • BBB1, positive outlook credit rating (S&P)

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 9/30/2016

1A credit rating of a security is not a recommendation to buy, sell or hold securities and may be subject to review, revisions, suspension, reduction or withdrawal at any time by the assigning rating agency.


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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