Melissa Holmes is a CFP® professional with eight years of experience in financial advising. She is the principal of Black Harbor Financial and also operates Whitt Law, a sole proprietorship providing estate planning, elder law, and business law legal services. Prior to founding Whitt Law in 2016, she worked at Griffin Law Offices from 2012 to 2016. Black Harbor Financial offers customized financial planning, discretionary asset management, and pension plan advisory services to individuals and small-business retirement plans. The firm emphasizes asset allocation and diversification through low-cost funds, provides ongoing plan reviews, and serves as a Section 3(21) co-fiduciary for 401(k) plans.

William Goldenberg is the sole advisor at Shoreline Capital Corporation in Boothbay Harbor, ME, holding Series 63 and Series 65 licenses with 24 years of industry experience. He has been with Shoreline Capital since 2001. Shoreline Capital Corporation provides personalized, discretionary portfolio management primarily to high-net-worth individuals and associated trusts. The firm employs a fundamental, value-based equity selection process and manages concentrated portfolios, maintaining a small client base to allow for focused oversight by its principal advisor.

Wayne Schaab is a financial advisor at Gilbert Investment Management in Portland, ME, with 42 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Kovack Securities, Inc. and Delta Equity Services Corporation. Gilbert Investment Management provides personalized, fee-only investment management and financial planning to individuals, high net worth clients, trusts, estates, charitable organizations, municipalities, and small businesses. The firm employs a core–satellite investment strategy using passive index funds and ETFs supplemented by actively managed funds, offering globally diversified portfolios while managing both discretionary and non-discretionary accounts.

Donald Gilbert is a financial advisor at Gilbert Investment Management in Boston, MA, with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Delta Global Asset Management and Delta Equity Services Corporation. Gilbert Investment Management provides personalized, fee-only investment management and financial planning services to individuals, high net worth clients, trusts, estates, charitable organizations, municipalities, and small businesses. The firm employs a core–satellite investment approach combining passive index funds and ETFs with actively managed funds, offering globally diversified portfolios and both discretionary and non-discretionary account management.

Paul Suyama is the sole advisor at Capital Wealth Planning Services in Brunswick, ME, holding Series 63 and Series 66 licenses with 39 years of industry experience. He has worked at Capital Wealth Planning Services since 2016 and at StoneX Securities Inc. since 2012. Capital Wealth Planning Services is an independent registered investment adviser serving individual clients, trusts, estates, and business entities with comprehensive financial planning, hourly consultations, and portfolio management. The firm employs a needs-based approach incorporating fundamental, technical, and cyclical analysis, managing portfolios primarily on a non-discretionary basis with an emphasis on long-term holdings.

David Kenkel is a financial advisor at Outfitter Financial LLC with 24 years of industry experience. He holds Series 63 and Series 65 designations and has held roles at various organizations, including serving as men's rugby head coach at the University of Montana since 2025. Outside of financial advising, he is a founding director and president of the Backstoppers Foundation and serves on the board of Springworks Farm Maine, an aquaponics organic farm. Outfitter Financial LLC is a fee-only registered investment adviser that primarily serves individual clients and families, including high-net-worth households, through discretionary portfolio management and consulting services. The firm employs customized asset-allocation strategies incorporating equities, fixed income, mutual funds, ETFs, and third-party sub-advisors, using both fundamental and technical analysis.

Brandon Clark is a financial advisor at Rossby Financial, LLC with seven years of industry experience. He holds a Series 66 designation and has previously worked at Cambridge Investment Research Advisors and Ameriprise. Outside of his advisory role, he is the owner of Reexamine Wealth LLC, where he provides leadership and mindset coaching. Rossby Financial is a Registered Investment Adviser serving individuals, trusts, charitable organizations, pension/profit-sharing plans, and corporate entities. The firm manages approximately $358.6 million across 800 client relationships, offering portfolio management, financial planning, and retirement consulting with a range of investment approaches tailored to client risk tolerance and objectives.

Jeremy Barnard is a financial advisor with Foundations Investment Advisors LLC, holding a Series 65 credential and eight years of industry experience. He has been with Foundations Investment Advisors since 2017 and also operates as an independent insurance agent through his own firm. Foundations Investment Advisors provides investment advisory and financial planning services to a wide range of clients, including individuals, trusts, estates, retirement plans, registered investment companies, and businesses. The firm manages portfolios using model allocations and third-party sub-advisers, offering both discretionary and non-discretionary management through a large network of affiliated offices.

Jeffrey Haller is a financial advisor with Equity Services, Inc. and holds Series 63 and Series 65 designations. He has 19 years of industry experience, including over 20 years at Equity Services, Inc. and more than 21 years with NL Financial Alliance, where he also works as an insurance sales agent. Equity Services, Inc. serves individuals, corporations, trusts, estates, charitable organizations, and retirement plans with financial planning, consulting, and asset management services. The firm combines advisory services with broker-dealer product distribution and employs a range of proprietary and third-party investment platforms to deliver customized asset allocation models.

Andrew Burns is a financial advisor with Key Investment Services LLC, holding a Series 66 designation and 19 years of industry experience. He has been with Key Investment Services since 2012. Outside of advising, he owns and manages a long-term residential rental business in Portland, Maine. Key Investment Services LLC provides wrap-fee advisory programs and model-driven investment options to a diverse client base, including individuals, trusts, estates, charities, corporations, and small businesses. The firm primarily offers non-discretionary, model-based wrap programs supported by third-party managers and operates within a bank-affiliated group that develops proprietary model portfolios.

Edmund Broomhead is a financial advisor at Janney Montgomery Scott with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Janney Montgomery Scott since 2016, with prior experience at Merrill and Bank of America. Outside of his advisory role, he serves as an assistant coach for the girls’ lacrosse teams at Barrington High School in Rhode Island. Janney Montgomery Scott is an SEC-registered investment adviser and broker-dealer managing approximately $100.8 billion in client assets. The firm serves individuals, high-net-worth clients, corporations, charities, and institutional accounts through a multi-channel investment platform that includes third-party manager strategies, model-based solutions, and in-house portfolio management via Janney Capital Management.

Joseph Cote is a CFP® professional with 13 years of industry experience. He is currently affiliated with Commonwealth Financial Network and Casco Bay Wealth Advisors. His prior experience includes roles at Charles Schwab Bank, Charles Schwab, and Fidelity Investments. Commonwealth Financial Network serves a national network of approximately 2,950 advisors, providing a range of advisory programs and back-office support including operations, trading, technology, compliance, and practice management. The firm offers discretionary model portfolios and customizable investment solutions across various program structures.

Jonathan Theberge is a financial advisor with Key Investment Services LLC and holds a Series 66 credential. He has two years of industry experience and has worked at KeyBank NA since 2013. Outside of his advisory role, he is involved in managing several real estate properties and owns a construction and remodeling company focused on maintaining rental properties. Key Investment Services LLC offers wrap-fee advisory programs and model-driven investment options to a diverse client base, including individuals, trusts, estates, charities, corporations, and small businesses. The firm primarily operates through non-discretionary, model-based wrap programs with third-party managers implementing trades within selected investment models.

Peter Coopersmith is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 66 licenses and bringing 41 years of industry experience. He has been with Commonwealth Equity Services, Inc. since 1996. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and back-office support, including investment management, compliance, and practice-management services, while allowing advisors discretion to construct client portfolios from a broad selection of securities and insurance products.

Daniel House is a CFP® professional with 14 years of industry experience, currently serving as a financial advisor at Equity Services, Inc. since 2014. He previously served on the Essex Junction Town Board from 2010 to 2017. Outside of his advisory role, he assists in the management of property sales with his father. Equity Services, Inc. (ESI Financial Advisors) provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and retirement plans. The firm employs a combination of proprietary and third-party investment platforms and offers both discretionary and non-discretionary trading strategies tailored to client profiles.

Danielle Klimash is a financial advisor at UBS Financial Services with 27 years of industry experience. She has been with UBS since 1998 and holds the Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides proprietary research, custody, underwriting, and capital markets solutions.

Zachary Perigo is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2021. In this capacity, he partners with individuals and families to develop customized financial plans that assess both present and future needs. His approach involves analyzing and addressing multiple goals based on clients' preferences and unique priorities to help them grow, preserve, and distribute their wealth efficiently. Zachary began his financial services career as a Financial Representative at Northwestern Mutual from 2015 to 2016. He joined Fidelity Investments in 2017, where he has held various positions including Premium Relationship Associate, Investment Solutions Representative, Investment Consultant, and Financial Consultant before advancing to his current role. He holds an insurance license in Arkansas. Outside of his professional work, Zachary enjoys activities such as fitness, football, hiking, lake outings, snowboarding, and traveling.

Steven English is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 designations and 29 years of industry experience. He has worked with Raymond James since 2017 and is also associated with Androscoggin Bank as Director of Financial Services and Program Manager. English is based in Lewiston, Maine, and has experience with Androscoggin Financial Services as well. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm provides financial planning and non-discretionary investment consulting through Wealth Advisory Services and institutional consulting supported by outside managers.

David Beemer is a financial advisor at OSAIC with over 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Securities America Advisors and SECURITIES AMERICA, inc. Prior to joining OSAIC, he held roles spanning more than a decade at these firms. Outside of his advisory work, he serves as Vice President of the Experimental Aircraft Association Chapter 87, builds experimental aircraft, acts as a notary public, and officiates marriages. OSAIC is a large SEC-registered investment adviser and broker-dealer serving a wide range of clients including individual investors, pension plans, corporations, and nonprofits. The firm offers diversified advisory programs and employs a technology-driven investment process incorporating risk tolerance, asset allocation, and portfolio optimization, supporting thousands of advisors and managing approximately $200 billion in assets.

Kelsie West is a financial advisor with Edward Jones in Topsham, ME, holding a Series 66 designation and 17 years of industry experience. She has been with Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of discretionary and non-discretionary investment strategies, alongside affiliated mutual funds and proprietary money market funds.

Jeffrey Guenther is a financial advisor at Edward Jones with nine years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2016. Prior to his current role, he worked at H.E. Murdock DBA Day's Jewelers from 2015 to 2016. Edward Jones is a wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Elizabeth Farmer is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and 17 years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2008. In addition to her advisory work, she owns and operates Libby Farmer Tax Solutions, providing tax preparation services part-time. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, focusing on model-delivery strategies and a limited number of discretionary separately managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure, delegating trading to BNY Mellon Advisors and custody to Pershing and Primerica Brokerage Services.

April Caron is a financial advisor with Edward Jones in Brunswick, ME, holding a Series 66 credential and seven years of industry experience. She has been with Edward Jones since 2018 and previously worked in biomedical and humanitarian services at the American Red Cross. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment solutions, supported by a nationwide network of more than 23,000 financial advisors.

Amy Lacavera is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. She has worked at Avantax Advisory Services and currently owns Tax Wise Financial Services, LLC, where she performs tax preparation as an Enrolled Agent. Lacavera serves on the board of the Maine Association of Professional Accountants, assisting with continuing education seminars and acting as an IRS liaison. Cetera Investment Advisers serves a wide range of clients including individuals, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors. The firm offers discretionary and non-discretionary portfolio management, financial planning, and fiduciary solutions, combining retirement and trust capabilities with access to multiple program structures and third-party managed solutions.

Stephen St Jean is a financial advisor with Primerica Advisors in Bath, ME, holding Series 63 and Series 65 licenses and having 30 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1995. Outside of advisory work, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure rather than fixed fees.

Walter Weil III is a financial advisor with Morgan Stanley in Southport, ME, holding Series 63 and Series 66 designations and bringing 55 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including financial planning supported by structured processes and proprietary tools, managing approximately $2.74 trillion in client assets.

Thomas Carr is a CFP® with 13 years of industry experience, currently serving as a financial advisor at Edward Jones since 2012. He is based in Brunswick, ME. Outside of his advisory role, he is the owner of Carr Real Estate Investments LLC. Edward Jones is a wealth management firm that serves over four million individual and institutional clients, offering a range of investment advisory programs and affiliated financial services. The firm supports its clients through a nationwide network of advisors and branch offices and provides both discretionary and non-discretionary strategies under a fiduciary standard.

Jean Huber is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 23 years of industry experience. He has worked at Cetera Investment Advisers and Cetera Investment Services since 2018 and has been involved with First Federal Savings & Loan Association of Bath since 2011. Outside of his advisory role, he serves as a branch manager and is involved in consumer and mortgage lending at First Federal Savings & Loan, acts as a notary public for bank documents, works as a ballot clerk during elections, and sells quilt items. Cetera Investment Advisers serves a diverse client base including individual, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors. The firm offers discretionary and non-discretionary portfolio management, financial planning, retirement plan and fiduciary solutions, and access to third-party money managers and various program structures.

William Holly is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and possessing 41 years of industry experience. He has been with Merrill since 1984 and concurrently associated with Bank of America, N.A. since 2011. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, discretionary portfolio management, and brokerage services. The firm emphasizes tax-efficient strategies and benefits from integration with Bank of America affiliates and the broader capital-markets platform.

Zachary Dean is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America and American Income Life. Merrill serves a diverse client base ranging from individuals and retirement plans to corporations and institutional clients, offering services such as managed account programs, discretionary portfolio management, and brokerage execution, supported by a broad array of investment strategies and close integration with Bank of America affiliates.

Peter Mendall is a CFP® professional with 28 years of industry experience, currently serving at Raymond James Financial since 2009. He has been associated with Raymond James Financial Services, Inc. since 1997. Outside of his advisory role, he is a partner in SweetWater Farrm, a farming venture focused on sustainable practices and farm camping experiences. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm emphasizes non-discretionary investment consulting and financial planning, providing tailored recommendations supported by extensive research and a broad affiliate network.

James Cook is a financial advisor with Cetera based in Boothbay Harbor, ME. He holds Series 63 and Series 66 designations. Cetera Investment Advisers LLC serves individual, corporate, retirement plan, charitable, and institutional clients through a network of independent advisors. The firm offers discretionary and non-discretionary portfolio management, financial planning, retirement plan services, and access to third-party money managers across various platforms and managed account programs.

Robert Hilf Jr. is a CFP® professional affiliated with LPL Financial, with 26 years of industry experience. Prior to joining LPL Financial in 2021, he was involved with The Hilf Tirpak Group LLC and the R. Phillip Hilf and Colleen Tirpak Team. He has also worked with Waddell & Reed, Inc. and various insurance carriers. Hilf served on the board of Pittsburgh Action Against Rape (PAAR) from 2014 to 2021. LPL Financial provides advisory and brokerage services to a diverse client base including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm supports its advisors with in-house research, offering a range of portfolio models and investment strategies, and combines advisory operations with insurance and annuity product offerings.

Thomas Perkins is a financial advisor at Raymond James Financial with 33 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Raymond James and its affiliated entities since 2009. Perkins serves on the Boothbay Harbor CSD School Board. Raymond James Financial Services Advisors, Inc. provides financial planning and non-discretionary investment consulting to a diverse client base, including individual investors, high-net-worth clients, pension plans, and municipal entities. The firm emphasizes tailored financial plans and offers a mix of brokerage and advisory services, with a notable portion of its assets advised on a non-discretionary basis.

Jeffrey Labbe is a financial advisor with Edward Jones in Bath, ME, holding the Series 63 and Series 66 credentials and bringing 18 years of industry experience. He has been with Edward Jones since 2008. Outside of his advisory work, Labbe is a member of the Bath Rotary, where he participates in fundraising and attends weekly meetings. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of investment strategies and affiliated services. The firm manages over $1 trillion in assets and maintains a large network of advisors and branch offices nationwide.

Scott Lemieux is a financial advisor with Ameriprise, holding Series 63 and Series 66 designations and 28 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is involved in tax preparation through co-ownership of BPCP Tax Advisors, LLC, and owns several business entities related to office space leasing and property management. Ameriprise provides a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets, delivering detailed, research-driven recommendations that include income sources, Social Security options, and tax-efficient withdrawal strategies. As a large institutional firm, Ameriprise offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Matthew Crane is a financial advisor at Edward Jones with two years of industry experience. He holds a Series 66 designation and previously worked at Coastal Maine Botanical Gardens and Kents Hill School. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a broad range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Peter Lowell is a financial advisor at Edward Jones with a Series 66 designation and two years of industry experience. Prior to joining Edward Jones, he worked at Blackhawk Network Inc for six years and at CashStar for four years. He is based in Brunswick, ME. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of advisory programs and investment options, supported by a nationwide network of more than 23,700 financial advisors and 15,100 branch offices.