Jennifer Heintz is a financial advisor with Morgan Stanley in Colchester, VT, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2010 and spent the preceding decade at UBS Financial Services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial and estate planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and models to support its financial planning process.

Jonathan Barnes is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 42 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009. Outside of advisory work, he is involved with TEAM LIBBY, LLC and the Vermont Frost Heaves. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and research.

Robert Guthrie is a financial advisor with Wells Fargo Clearing in Burlington, VT, holding Series 63 and Series 65 licenses and 40 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services grounded in an IPS-driven approach and modern portfolio theory. The firm includes a broad range of investment options, such as insurance-related vehicles and bank deposit sweep programs, and serves clients with tailored advisory solutions that consider plan objectives and risk tolerances.

John Pion is a financial advisor with Morgan Stanley in Colchester, VT, holding a Series 66 credential and beginning his career in 2026. He previously worked at Social Finance, Inc. for seven years and Deloitte Consulting for two years. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs with a focus on tailored financial planning supported by firm-approved tools and analysis methods.

Sherrah Harrington is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. She holds the Series 66 designation and has worked at Wells Fargo Bank since 2002, including roles at Wells Fargo Advisors LLC and Wells Fargo Clearing. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, serving as an ERISA fiduciary and providing both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Barry Compton is a financial advisor at Stifel with 41 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Stifel since 2009, previously working at UBS Financial Services starting in 2001. Stifel serves a diverse client base including individuals, institutions, and municipal entities, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies. The firm provides both episodic fee-based financial planning and services related to private funds, pooled vehicles, and municipal market activities.

Morgan Adams is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. He holds the Series 66 designation and previously worked at Edward Jones for nine years before joining Wells Fargo in 2021. Outside of his advisory role, Adams has a 20% ownership interest in a retail wine sales business in Middlesex, Vermont, operated jointly with his spouse. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non‑qualified deferred compensation plans. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Michael Mathon is a financial advisor with Ameriprise in Burlington, VT, holding Series 63 and Series 65 licenses and having 27 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized retirement income service that provides detailed planning and ongoing advice focused on dependable income sources and tax-aware withdrawal strategies.

Carolyn Raftery is a financial advisor at Raymond James Financial Services Advisors, Inc. with 25 years of industry experience. She previously worked at Morgan Stanley Smith Barney for 16 years before joining Raymond James in 2026. She holds a Series 66 designation and is based in Burlington, VT. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual and high-net-worth clients, pension plans, corporations, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary advisory services using risk profiling and analytical tools, and supports a large network of advisors with specialized programs including municipal advisory and SIMPLE IRA consulting services.

Elliot Gray is a financial advisor at Morgan Stanley with 29 years of industry experience. He has been with Morgan Stanley since 2009 and holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and combines broad retail and institutional services with specialized offerings such as private funds and principal trading activities.

Timothy Sheehan is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and 29 years of industry experience. His career includes long-term roles at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of advising, he is co-owner of two real estate-related businesses. LPL Enterprise provides investment advisory and brokerage services to individual and institutional clients, offering financial planning, access to third-party asset managers, and model-driven investment implementation through a network of investment adviser representatives.

Sheryl Davis is a financial advisor with Wells Fargo Advisors in Williston, VT, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. She has worked within various Wells Fargo entities since 2009. In addition to her advisory role, she serves as a notary public. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm provides a broad range of investment and financial planning services, offering tailored recommendations supported by proprietary research and planning tools.

Timothy Candon is a Wealth Management Advisor at Merrill Lynch Wealth Management based in Burlington, Vermont. He serves clients by providing access to fiduciary services and delivering customized wealth management strategies. His approach involves understanding the individual needs and long-term goals of his clients. Tim utilizes the resources of Merrill and Bank of America to address various aspects of clients' financial lives. With 26 years of industry experience, Tim holds certifications as a CERTIFIED FINANCIAL PLANNER® professional and CERTIFIED PLAN FIDUCIARY ADVISOR®. He began his career after graduating from St. Lawrence University, spending the first 15 years at Fiduciary Trust Company in Boston. Since returning to Vermont, he has continued to advise clients on retirement planning, portfolio management, education funding, and estate planning. Outside of his professional work, Tim enjoys outdoor activities such as boating, fishing, golfing, hiking, skiing, and soccer. He resides in Vermont with his wife and daughters, spending time with family and engaging in local outdoor pursuits.

Alexander White is a Series 66-licensed financial advisor with Raymond James & Associates, bringing two years of industry experience. His background includes roles at Equity Services, Inc., The Vermont Agency, and Ruben James, along with experience in fitness retail and educational settings. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and nonprofit entities, offering financial planning, investment consulting, and specialized municipal advisory services.

Josephine Miller is a Series 66-licensed financial advisor with Ameriprise in Burlington, VT, where she has worked since 2013, totaling 12 years of industry experience. Outside of her advisory role, she owns a creative services business focused on sewing and teaching. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide personalized, non-discretionary recommendations through a centralized consulting team.

Amy Wolf is a CFP® and holds a Series 66 designation, with seven years of industry experience. She has been with Edward Jones since 2018 and previously worked at Globalfoundries from 2015 to 2018. Amy is based in Essex Junction, VT. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and proprietary mutual funds, operating under a fiduciary standard.

Gregory Lemieux is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 21 years of industry experience. He worked at Edward Jones for 13 years before joining LPL Financial in 2018. Outside of his advisory practice, he owns and operates Maple Ridge Ranch, a business focused on raising cattle and producing maple sugar products. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, utilizing various investment approaches and technology tools, and oversees more than $819 billion in discretionary assets through a network of over 22,800 advisors.

Jonathan Whitehouse is a financial advisor with LPL Financial in Williston, Vermont. He holds Series 63, Series 65, and Series 66 licenses and has 28 years of industry experience. Prior to joining LPL Financial, he spent 12 years with Cuso Financial Services and has been with VSECU since 2024. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, delivering advice primarily through a large network of investment adviser representatives.

Marcy Smith is a financial advisor at Ameriprise with 24 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at People's United Bank for 13 years. Outside of her advisory role, she is involved as a stylist selling beauty products through Color Street LLC. Ameriprise is a large institutional firm offering a retirement-income planning service aimed at individuals nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendations focused on income sources and withdrawal strategies.

Gregory Mclenithan is a financial advisor with LPL Financial who holds the CFP® and ChFC® designations and has 33 years of industry experience. He has worked at LPL Financial since 2009, with prior roles at Mutual Service Corporation, OSAIC Services, Inc., and American General Securities Incorporated. In addition to his advisory work, he operates a fixed insurance practice under the name Mclenithan Financial, dedicating about 20% of his time to this sole proprietorship. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm employs a variety of investment approaches through a large network of advisors and utilizes advanced tools for research and operational support while providing a broad platform that includes insurance, credit services, and institutional partnerships.