Lucinda Bain is a financial advisor at Morgan Stanley with 42 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including her current role at Morgan Stanley Private Bank since 2015. Bain serves as a board member of the Vermont Community Foundation. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes firm-approved planning tools, including scenario modeling by its Global Investment Committee.

Luc Le Blanc is a financial advisor at Morgan Stanley in Colchester, VT, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley in 2026, he worked at Northfield Savings Bank and has been involved in various roles including self-employed positions as a hockey official and lacrosse coach. He also has experience with several regional organizations including Rectrac LLC and the Roman Catholic Diocese of Burlington. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, delivering tailored financial planning supported by firm-approved tools and investment estimates. The firm manages approximately $2.74 trillion in client assets and offers a range of investment programs and planning strategies.

William Edwards is a financial advisor with Morgan Stanley in Colchester, VT, holding Series 63 and Series 65 licenses and having 32 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations to support financial planning.

Adam King is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at NBT Bank and LPL. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Christopher Wilson is a financial advisor at LPL Enterprise with 35 years of industry experience. He holds the Series 63, Series 65, and Series 66 designations. His prior work includes roles at Prudential Insurance Company of America, Pruco Securities, LLC, Mass Mutual Life Insurance Company, NYLife Securities LLC, and Commodities Market. LPL Enterprise serves a wide range of clients including individuals, retirement plans, charitable organizations, and institutional clients. The firm offers financial planning, advisory services, and access to various investment programs and insurance products through its integrated platform.

April Bingel is a financial advisor with Wells Fargo Clearing, holding Series 63, Series 65, and Series 66 licenses and 28 years of industry experience. She has worked at Wells Fargo affiliates since 2009, including Wells Fargo Advisors LLC prior to her current role. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm provides investment advisory services, financial planning, and retirement plan consulting, utilizing research from the Wells Fargo Investment Institute and applying diversification principles and modern portfolio theory.

Amanda Justice is a CFP®-certified financial advisor with seven years of industry experience. She currently practices at Ameriprise in South Burlington, VT, where she has worked since 2018. Prior to Ameriprise, she spent nine years at JP Morgan. Outside of her advisory role, she is involved with TrueGuidance Holdings, LLC, managing advisory business activities. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, notable for its Premier Retirement Income service, which provides in-depth retirement-income planning through a written Recommendation Report and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Lucille Halvorson is a financial advisor at Morgan Stanley with five years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2020. Outside of finance, she is involved with Halvorson's, a restaurant in Burlington, Vermont, and Shelburne Field House LLC, a recreation business in Shelburne, Vermont. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and approved modeling tools, serving clients in both advisory and brokerage capacities.

Jennifer Heintz is a financial advisor with Morgan Stanley in Colchester, VT, holding Series 63 and Series 65 licenses and 30 years of industry experience. She has been with Morgan Stanley Smith Barney since 2010. 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 tailored financial planning, leveraging structured discovery processes and advanced modeling tools to support client decision-making.

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.

Nathan Cloutier is a financial advisor at LPL Financial with five years of industry experience. He previously worked at SilverLake Wealth Management and spent six years with Vermont Expos, Inc. DBA Vermont Lake Monsters. Outside of advising, he is involved in reselling household items through an online marketplace. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, and institutions. The firm offers various advisory programs, financial planning services, and utilizes model portfolios and research from multiple sources to support diversified investment strategies.

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 bringing 29 years of industry experience. He has worked with Prudential Insurance Company of America for over 30 years and Pruco Securities, LLC for 28 years before joining LPL Enterprise. Outside of his advisory role, he is co-owner of WDB, LLC and owner of Sheehan Holdings, LLC, both real estate-related businesses. LPL Enterprise serves a diverse client base including individuals, high-net-worth clients, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory services, and brokerage products, leveraging both internal research and third-party portfolio management on an integrated platform.