Jacob David Lavely

Kevin Obrien is the president and owner of Creative Financial Strategies, Inc. in Littleton, NH, where he has worked since 1993. He holds Series 63 and Series 65 licenses and has 46 years of industry experience. In addition to his advisory role, Obrien serves as treasurer and board member of Mountain Top Telecom, Inc., a wireless internet service provider. Creative Financial Strategies, Inc. provides financial planning, investment management, tax preparation, business advisory, and insurance product services to individuals, small businesses, retirement plans, trusts, estates, and charitable organizations. The firm offers a range of engagement types and delivers advice primarily on a non-discretionary basis, managing portfolios both directly and through third-party platforms.

Gerard Jones is the principal of Gerard Asset Management, L.L.C. in Waterford, Vermont, with 30 years of industry experience. He has led his independent firm since 1994. In addition to his advisory role, he maintains a part-time law practice specializing in estate planning, elder and disabled persons law, and financial planning. Gerard Asset Management provides discretionary investment management and supervisory services to individuals, trusts, estates, business entities, and charitable organizations. The firm tailors investment programs to clients’ financial goals and risk tolerance, using a combination of fundamental, charting, and technical analysis, and conducts quarterly account reviews.

Harper Phillips is a financial advisor at Btv Capital LLC in Burlington, VT, holding a Series 65 designation with nine years of industry experience. He has been with Btv Capital LLC since 2015 and previously operated Vennor Group LLC as a self-employed advisor from 2002 to 2017. Btv Capital LLC is a single-advisor registered investment adviser providing discretionary investment management and advisory services to a limited number of clients, including individuals, institutions, and pooled vehicles. The firm employs a volatility-based trading strategy focused on equity and index options, futures, and options on futures, using derivatives and leverage with an emphasis on growth and speculation rather than broad diversification.

James Milne is the sole advisor at Milne Financial Planning, Inc. in West Danville, VT. He holds the CFP® and Series 63 designations and has 31 years of industry experience, including 30 years at his current firm. Outside his advisory work, he owns residential and commercial real estate properties that generate rental income. Milne Financial Planning serves individual and high-net-worth clients as well as businesses, trusts, estates, and charities, offering discretionary asset management and comprehensive financial planning services. The firm uses a combination of fundamental and technical analysis with various investment products, incorporates periodic portfolio reviews and tax-loss harvesting, and conducts client account reviews at least every 15 months.

Patrick Howell is a financial advisor with SPC, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. His prior roles include positions at Eagle Strategies, New York Life, and MassMutual. Outside of finance, he co-owns Dynamic Cycling Adventures, a business focused on mountain bike clinics and coaching. SPC provides investment management, financial planning, and retirement-plan advisory services to a diverse client base, including individual investors, retirement plans, charitable organizations, and corporate clients. The firm supports a large network of advisors and delivers tailored, discretionary advice through various account programs, maintaining close affiliations with broker-dealers and insurance agencies.

Robert Thompson is a financial advisor at OSAIC Institutions, Inc. in St. Johnsbury, Vermont, holding Series 63 and Series 65 licenses with seven years of industry experience. His prior roles include positions at Passumpsic Financial Advisors, Passumpsic Bank, LPL Financial, CETERA Advisor Networks LLC, Community Financial Service Group, and Northern Lights Credit Union. Thompson's background includes working within both broker-dealer and investment advisory environments. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, retirement plans, trusts, estates, and corporate clients through a large network of investment adviser representatives. The firm offers customized advisory services, financial planning, and access to alternative investments, operating with a hybrid adviser/broker-dealer structure that combines discretionary and non-discretionary account management.