William Whiting is a financial advisor at OSAIC with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with firms including Securities America Advisors and Signator Investors. He is also the owner of Whiting Financial Services, providing tax planning and accounting services, and advises clients on insurance products through Innova Financial Services. OSAIC serves a diverse range of clients, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing advanced asset-allocation tools and multiple third-party platforms to construct and manage portfolios across various investment types.

Jacob Descheneaux is a financial advisor with J.P. Morgan Securities who holds the ChFC® designation and Series 63 and 66 licenses. He has 10 years of industry experience, having previously worked at firms including Prudential Insurance Company of America and Fidelity Investments. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Stephanie Bornstein is a financial advisor with UBS Financial Services in Scarborough, Maine, holding a Series 66 designation and 25 years of industry experience. She has been with UBS since 2000. Outside of her advisory work, she assists Ketcha Outdoors, a nature-based preschool and day camp, by contributing to curriculum development and fundraising strategies. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Caroline Cote is a financial advisor at Fidelity with 12 years of industry experience and holds a Series 66 designation. She has worked with Fidelity Investments and Fidelity Personal and Workplace Advisors since 2013. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, employing systematic methodologies and long-term asset allocation benchmarks.

Derek Simkowitz is a financial advisor with Raymond James Financial and holds Series 63 and Series 65 licenses. He has 19 years of experience and has worked with firms including Androscoggin Bank and INVEST Financial Corporation. He is also a vice president of Androscoggin Financial Services, a support company affiliated with Raymond James. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations. The firm emphasizes tailored, non-discretionary advice supported by analytical tools and offers specialized municipal advisory services uncommon among large institutional firms.

Eric Gilman is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and 18 years of industry experience. He has been with Primerica Advisors since 2007 and with Primerica Financial Services since 2006. Outside of his advisory role, he is involved in selling home security and automation products through a Primerica affiliate. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with a range of model-delivery strategies and separately managed account options under a wrap-fee structure. The firm curates third-party asset managers and utilizes independent due diligence and delegated trading through BNY Mellon Advisors.

Christopher Perry is a financial advisor with Mass Mutual Investors Services in Falmouth, ME, holding Series 63 and Series 65 licenses and having 15 years of industry experience. He previously worked at MetLife Securities Inc. and has also served as an insurance agent specializing in individual life, health, group life, and group disability insurance. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes annual, collaborative financial planning engagements supported by firm-approved analytical tools and offers specialized programs such as divorce planning and estate-settlement services.

Steven Blanchard is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and over 44 years of industry experience. He has been working with Cetera since 2016 and operates his own insurance business offering life, health, disability, annuities, and long-term care products. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager investment platform with access to various portfolio management options, financial planning, and consulting services.

James Flagg is a financial advisor at Edward Jones in Gorham, ME, holding a Series 66 designation with nine years of industry experience. Prior to joining Edward Jones in 2017, he worked at Solenis LLC for 11 years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including a broad range of households and organizations. The firm offers a variety of advisory programs and investment strategies, managing approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

Samuel Kany is a financial advisor with Cetera holding a Series 66 designation and four years of industry experience. He has worked at Cetera since 2021 and has prior experience at Maine Community Bank and Saco and Biddeford Savings Institution. Outside of his advisory role, he coaches youth and adult hockey and volunteers as a goaltender coach at Chevrus High School. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers, supporting a wide range of investment strategies and program structures.

Kristina Grant is a financial advisor at Cetera with 25 years of industry experience. She holds Series 63 and Series 66 designations and has been with Cetera since 2010. In addition to her advisory role, she serves as vice president, operations manager, and designated supervisor for Jackson Brokerage. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, employer-sponsored retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and consulting services with multiple program options and a multi-manager platform.

Carl Hanson is a CFP®-certified financial advisor with 19 years of industry experience. He is currently affiliated with Cetera and Pine Harbor Advisors and serves as owner and manager of IIS Financial Services. In addition, he is the owner and operator of Stroudwater Capital, LLC, a real estate business. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individual, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers across various program structures.

Diana London is a financial advisor with Primerica Advisors in Windham, ME, holding Series 65 and Series 63 licenses and four years of industry experience. Her prior work includes roles at Maine Recon and Primerica Financial Services. She receives non-investment compensation through referrals for home security, automation products, and related services. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-driven strategies managed by unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Fadi Khoury is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. He has held roles at multiple firms including Avantax and Citizens Securities and manages his own financial advisory practice under the Mainsail Advisor Group brand. Outside of advisory work, Khoury is involved in property management through PROPERTY CARE, LLC and operates a bookkeeping and business consultancy firm, Star Sail. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, and institutional accounts. It offers diverse portfolio management options and financial planning services through a nationwide network of independent advisors.

Jerome Price is a financial advisor at Cetera with 43 years of industry experience. He holds the CFP® and ChFC® designations, along with a Series 63 license. In addition to his work in financial services, he owns and operates a tax preparation business and is an associate broker in real estate. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm provides a range of portfolio management and financial planning services through a multi-manager platform with access to various third-party managers and customized investment strategies.

Christopher Chouinard is a CFP® and holds a Series 66 license with 20 years of industry experience. He has worked at LPL Financial since 2009 and was with Bay Financial Advisors, Inc. from 2010 to 2021. In addition to his advisory role, he is involved in tax preparation and accounting services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services, including model portfolios, third-party asset management, and institutional platforms, supported by various operational and research tools.

Andrew Stickney is a financial advisor with LPL Financial in South Portland, Maine, holding the ChFC® and Series 63 designations and bringing 28 years of industry experience. He has worked at LPL Financial since 2003 and previously held a position at Ameriprise. In addition to his advisory role, he is involved in selling various types of insurance products, including long-term care, disability, fixed life insurance, and fixed annuities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services, including financial planning, wrap and model portfolio programs, third-party asset management access, and institutional platforms, utilizing a broad network of investment adviser representatives.

Benjamin Hughes is a financial advisor at Ameriprise with a Series 66 credential and three years of industry experience. His background includes roles at Hughes Wealth Advisors and an internship with Representative Sophia Warren. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service, which provides written recommendation reports and ongoing annual advice focused on dependable income sources and tax-aware withdrawal strategies.

Jennifer Arsenault is a financial advisor with Edward Jones in Portland, ME, holding a Series 66 designation and eight years of industry experience. She has worked at Edward Jones since 2017 and previously spent eleven years at Seafax, Inc. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Nathan Aldrich is a financial advisor at Cetera with three years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms including Wells Fargo, KeyBank, LPL Financial, and Lighthouse Wealth Advisors. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of investment solutions through a multi-manager platform, providing access to model portfolios, third-party managers, and customized strategies.