Sapphire Financial Group, LLC founders Mark W. Nichols and Douglas E. Howes share a common commitment to provide unprecedented levels of personalized service and integrity to every client, every day. With nearly 30 years of combined financial services experience, Mark and Doug are dedicated to building life-long relationships with their clients and will earn their trust over and over through sound financial guidance and wealth planning.

Mark W. Nichols
Independent Certified Public Accountant Since 2000
Previous experience: eight plus years of tax and accounting experience at PricewaterhouseCoopers
- Master of Science in Taxation - Bentley College
- Master in Business Administration; concentration in Accounting - Bentley College
- Bachelor of Science in Hotel/Restaurant Administration - University of New Hampshire
- Member of the American Institute of Certified Public Accountants (AICPA)
- Member of the Massachusetts Society of Certified Public Accountants (MSCPA)
- Serves on the MSCPA Federal Tax Committee
- Served on the Finance Committee for the Town of North Andover
- Adjunct faculty for accounting and finance at Becker College
- Advanced Certified QuickBooks Pro-Advisor™

Douglas E. Howes
Independent Financial Advisor Since 2000
Previous experience:
-Vice President at Putnam Investments
-Associate Financial Planner at MetLife
- Bachelor of Science in Business Administration - Merrimack College
- Associates Degree in Finance - Northern Essex Community College
- Series 6, 7, 24, 63 and 65 Licenses with Woodbury Financial Services, Inc.
- Life, Accident & Health Insurance Licensed
- CFP Enrolled - Merrimack College
- Former Member Business Networking International
- Former Board of Director - Andover Historical Society
Leslie Riley Senior Manager Tax & Accounting
Michele Ohlson Senior Manager Tax & Accounting
Cheryl Nelson Senior Associate Tax & Accounting
Kristina George Senior Associate Tax & Accounting
James Augustus Independent Financial Advisor
Lisa Cunnane Office Manager