Our Team

Gary F. Joyal

CEO; Managing Partner of affiliated companies

Gary is the founder of Joyal Capital Management LLC and has been a trusted advisor to clients and a leader in the financial advisory marketplace for nearly 30 years. The firm provides estate planning, retirement planning and business services and under Gary’s leadership has grown to provide a wide range of specialist services and an exceptional client service experience. Gary also founded Joyal Capital Management Foundation Inc., that has helped thousands of children nationally through its “$100 for 100” interactive giving program.   Gary began his career at MetLife State Street and for more than 20 years has been affiliated with Guardian Life Insurance Company of America, where he has served as President of the Executive Committee. Gary is a Registered Representative with Royal Alliance Associates Inc., FINRA/SIPC.  Registrations – Series 6, 63.

Daniel P. Connelly

Managing Director

Dan leads business development for the firm’s franchise development subsidiary. He was instrumental in the completion of more than 100 client consulting engagements, producing over $500 million in restaurant M&A related closings and $400 million of debt financing for the firm’s clients.

Prior to joining the firm, Dan held leadership positions on the business development and franchising teams at Dunkin’ Brands, facilitating purchase and sales activity of Dunkin’ restaurant in New England and upstate New York. Dan began his career in the audit and consulting divisions of Ernst & Young. He is a former CPA and holds a bachelor of arts degree, economics/accounting from the College of the Holly Cross and holds a masters degree in business administration from Babson College.

Jeffrey R. Richard

Senior Analyst

Jeff is involved in all facets of the firm’s franchise development division, with a particular focus on restaurant mergers & acquisitions, business valuations and debt placement. He works closely with affiliated advisory relationships throughout the transaction process and is a primary contact for potential buyers, coordinating the flow of information from initial bid, to transaction close. Prior to joining the firm, Jeff was an audit analyst with Brown Brothers Harriman & Co., compiling and recording audit packages for external auditors and financial reporting purposes. He holds a bachelor of science degree in business administration from the University of New Hampshire.

Susan A. Redsicker

Managing Director

Susan leads the banking and debt placement for JCM Finance, LLC. She is responsible for the management and thought leadership of the firm’s finance company. Susan oversees the credit and underwriting process for JCM clients from initiation to closing, and additionally reviews new banking clients within the Private Client Group Wealth Management System.

Prior to joining the firm, Susan was a Financial Consultant, not only providing personal investment advice, but also consulting with various start-up and small companies. She owned and operated an S-Corp for eight years. Susan began her career as a Corporate Finance Instructor at Syracuse University. She continued to tutor financial and accounting professionals due to a strong thirst for financial education. She also continues to volunteer her time encouraging youth to pursue careers and education in quantitative disciplines.

Susan holds a Bachelor of Science in Finance from Florida Gulf Coast University and an MS in Finance from Syracuse University.

Devin J. Guadagno

Junior Analyst

Devin is involved in many aspects of the firm’s franchise development division. His focus is working with the Senior Analyst closely on restaurant mergers & acquisitions, business valuations, and debt placement. He also assists throughout the transaction process and is a secondary contact for potential buyers, to help coordinate flow of information from the initial bid, to transaction close.

Prior to working for JCM, Devin was an Administrative Assistant to the Regional Manager of Asplundh Tree Experts Co. for Massachusetts and Vermont. There he worked closely with the Regional Manager reviewing company analytics. He also created reports for injury and vehicle incidents.

Devin holds a Bachelor of Arts in Finance and Economics from Saint Anselm College.

Lloyd Sugarman

Franchise Concept Consultant

A co-founder turned independent franchisee, Lloyd was one of the first to sign on when the restaurant chain Johnny Rockets began franchising 27 years ago. He currently owns 17 locations throughout seven states and consistently performs among the highest grossing stores in the roughly 300 unit chain. With 25 plus years of restaurant industry experience Lloyd brings a wealth of retail merchandising, restaurant operations and franchising experience to the JCM team.