Management Team

Robert Fine

BobCEO & Founder

Robert Fine had a dream to start his own financial services company 40 years ago. Now he is one of the most well respected leaders in the industry. Bob has a unique ability to teach, mentor, and lead others to be great at running their practice. His ability to network among his peers in the industry, and his creative mind have brought tremendous value and standards of excellence to his firm. His integrity and core values have led him to be sought after by clients and advisors alike for his expertise and experience. Bob created the Life Insurance Gifting Program for the Jimmy Fund, an organization that raises money for children with cancer. He has been a recipient of numerous industry achievement awards. His associates praise him for taking them from ordinary to extraordinary.

Bob and his wife, Suzanne, reside in Framingham, MA.


Randy S. Fine, LUTCF


Randy Fine is the President of Robert Fine & Associates, an insurance and financial services firm located in Framingham, Massachusetts.  His company specializes in wealth accumulation, life insurance planning, tax-deferred savings and business and estate planning for a diverse range of clients.

Mr. Fine is a sought-after speaker in the areas of insurance, financial services, marketing and business management.  Randy has been a recipient for the National Quality Award and the National Sales Achievement Award of the National Association of Insurance and Financial Advisors (NAIFA).  He was elected and served as President of NAIFA Boston in 2002.  Among other honors, he qualifies for the Disability Inner Circle and the Equity Achievers Club.  His charitable interests involve The Jimmy Fund, The Genesis Fund, and The Million Dollar Round Table Foundation.

Registered Principal of Park Avenue Securities, Financial Representative of Guardian



Matthew A. Fine , LUTCF

mattDirector of Sales and Marketing

Matthew A. Fine graduated Boston University’s Business School of Management with a degree in Marketing in 1995. He joined Robert Fine & Associates in December, 1997 and obtained The Life Underwriter Training Council Fellowship Designation. He is a qualifying member of The Million Dollar Round Table, the premiere Association of Financial Professionals worldwide.

Matthew specializes in meeting the diverse needs of medical & dental professionals, business owners, and key executives. His areas of concentration include insurance protection, investments, tax issues, and business and estate planning.

Matthew’s charitable interests include The Jimmy Fund and The MDRT Foundation. He lives in Framingham, MA and enjoys the game of golf.

Registered Representative of Park Avenue Securities, Financial Representative of Guardian



Compliance number: 2016-19071 exp. of 3/18

This Material is Intended For General Public Use. By providing this material, Guardian is not undertaking to provide investment advice for any specific individual or situation, or to otherwise act in a fiduciary capacity. Please contact your agent for guidance and information specific to your individual situation.

Robert Fine and Associates is an Agency of The Guardian Life Insurance Company of America (Guardian), New York, NY.
Securities products and services offered through Park Avenue Securities LLC (PAS), member FINRA, SIPC.  OSJ: 1101 Worcester Road Framingham, MA 01701, (508) 820-9939
PAS is an indirect, wholly-owned subsidiary of Guardian.  Robert Fine and Associates is not an affiliate or subsidiary of PAS or Guardian.
Important Disclosures