Retirement Planning is what we do best. We develop custom strategies for retirement income planning, investment management, and tax planning opportunities to support your retirement. We started North Haven Financial because we see a great need to help people in achieve financial security so they can live a life that supports their values and their goals in retirement. If you are approaching retirement or have recently retired, we want to simplify the important decisions you need to make so you can feel confident in a plan that focuses on the priorities and values that are most important to you. We do not sell products or make commissions. We offer retirement planning, tax planning, and investment management, with a focus on retirement income. - Tax Planning - Health Insurance Planning (Medicare, ACA) - Social Security Claiming Strategies - Proactive Aging & Long-Term Care Planning - Estate Planning - Withdrawal Strategies / Pension Payout Options - Guaranteed Income Strategies - Charitable Giving Take a look at our services page for more details on how we can help you.

Michael Perna is a CFA® charterholder and holds a Series 66 license, with eight years of industry experience. He is the Managing Member of Flying Point Advisors and provides business consulting, accounting, and tax planning services alongside investment management. Prior to founding Flying Point Advisors, he worked at The Wanderlust Group for seven years. Flying Point Advisors offers financial planning and discretionary portfolio management primarily to individual and high-net-worth clients. The firm uses long-term, tax-aware investment strategies centered on broad diversification and low-cost index funds and ETFs, and uniquely combines advisory services with accounting and tax planning.

Melissa Holmes is a CFP® professional with eight years of experience in financial planning. She is the sole advisor at Black Harbor Financial, an independent firm based in Boothbay Harbor, Maine. In addition to her financial advisory role, she owns Whitt Law, a sole proprietorship providing legal services in estate planning, elder law, and business law. 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, often using low-cost index funds, mutual funds, and ETFs, and also serves as an ERISA 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 with 42 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Kovack Securities, Inc. and Delta Equity Services Corporation. Outside of his advisory role, he holds a life, health, and disability insurance license through Dow Investment Group. Gilbert Investment Management provides investment supervisory services and financial planning for individuals, trusts, municipalities, and other entities. The firm uses a core-satellite asset allocation strategy combining passive and active managers, offers both discretionary and non-discretionary portfolio management, and emphasizes client asset custody.

Donald Gilbert III is a financial advisor with Gilbert Investment Management in Brunswick, ME, holding Series 63 and Series 65 licenses and having 21 years of industry experience. He has worked at Gilbert Investment Management since 2018 and previously held roles at Delta Global Asset Management and Delta Equity Services Corporation from 2006 to 2017. Gilbert Investment Management provides investment supervisory services and financial planning for individuals, trusts, municipalities, small businesses, pension and profit-sharing plans, estates, and charitable organizations. The firm uses a core-satellite strategic asset allocation combining passive index and ETF exposures with selective active management and maintains client custody of assets without accepting proxy-voting authority.

David Kenkel is the sole advisor at Outfitter Financial and holds Series 63 and Series 65 licenses with 25 years of industry experience. His work history includes roles at Outfitter Financial LLC since 2017, Springworks Farm Maine, Inc., and coaching men's rugby at the University of Montana. He serves as a founding director and president of the Backstoppers Foundation and is involved in aquaponics organic farming through Springworks Farm Maine, Inc. Outfitter Financial LLC is a fee-only registered investment adviser managing approximately $158 million in discretionary assets primarily for individual and high-net-worth clients, as well as trusts and foundations. The firm uses a discretionary, asset-allocation approach focusing on equities, fixed income, mutual funds, and ETFs, combining fundamental and technical analysis to guide portfolio decisions.

Bruce Macomber is a financial advisor with Altitude Capital Management LLC, holding Series 63 and Series 65 licenses and five years of industry experience. He has worked at Altitude Capital Management since 2024 and previously spent four years at Brookstone Wealth Advisors, LLC. Macomber is also the owner of Campbell Asset Management, where he devotes time to insurance sales. Altitude Capital Management provides investment advisory and financial planning services to individuals and high net worth clients. The firm offers tailored portfolio management and consulting services with an investment approach that aligns with client goals, risk tolerance, and time horizon, primarily managing accounts on a discretionary basis.

Damian Smith is a financial advisor with Creative Financial Designs, Inc. in Richmond, ME, holding Series 63 and Series 65 credentials and four years of industry experience. Prior to joining Creative Financial Designs, he worked at Primerica Advisors and Primerica Financial Services. Outside of his financial advisory role, he is involved in biblical counseling through an initiative called Light Restored, providing discipleship and coaching support using scripture. Creative Financial Designs serves individual, corporate, institutional, and retirement plan clients, offering discretionary and non-discretionary investment management alongside financial planning and consulting services. The firm uses asset-class model allocations with varying risk objectives and publishes Biblically Responsible Investing strategies based on independent third-party screening.

Kathie Gallagher is a financial advisor with GWN Securities Inc. and holds Series 63 and Series 65 licenses. She has 21 years of industry experience, including previous roles at Ameritas Investment Corp. and Capital Choice firms. Gallagher also co-hosts a podcast that discusses business challenges and personal growth, partnering with coaches and yoga instructors. GWN Securities provides investment advisory services to individual and corporate clients through managed account programs and financial planning, using a combination of affiliated and unaffiliated sub-advisers and model-based allocations. The firm employs both traditional and tactical investment strategies, including market-timing and momentum-based approaches.

Jeffrey Haller is a financial advisor with Equity Services, Inc. and holds Series 63 and Series 65 licenses. He has 20 years of industry experience, including a concurrent role at NL Financial Alliance where he is an agent selling life, disability, annuities, and health insurance products. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms that combine long-term strategies with options for shorter-term trading, utilizing third-party asset managers and model portfolios.

Daniel Lay is a financial advisor with Corient, holding a Series 65 designation and 19 years of industry experience. He worked at H.M. Payson & Co for 20 years before joining Corient in 2026. Corient provides investment advisory and financial planning services to a wide range of clients, including individuals, high-net-worth clients, trusts, pension and profit-sharing plans, charitable organizations, and corporate entities. The firm uses a goals-based, team investment approach that integrates in-house strategies with third-party managers, continuous portfolio monitoring, and risk management tools.

Connor Scofield is a financial advisor with Commonwealth Financial Network and holds a Series 66 designation. He has one year of industry experience and has worked at Back Cove Financial alongside his current role. Before entering finance, he spent ten years with Acadia Lobster & BBQ Company and one year with Maine Beer Company. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of nearly 2,900 advisors and managing approximately $213 billion in client assets. The firm provides a broad platform including managed-account programs, access to third-party asset managers, retirement and plan consulting, and custody services.

David Shaughnessy is a CFA® charterholder with 11 years of industry experience, currently serving as an advisor at Corient. His prior work includes seven years at H.M. Payson and Co and eleven years at F.L. Putnam Investment Management Co. Corient provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, pension plans, charitable organizations, and corporations. The firm uses a goals-based, team investment approach that integrates in-house strategies with third-party managers and employs risk management tools and stress testing to align portfolios with client objectives.

Patrick Carrigan is a CFP®-certified financial advisor with three years of industry experience. He is currently affiliated with Principal Financial Services and has prior work experience in the building and construction sectors. Carrigan also engages in the sale of various insurance products including life, disability, annuities, health, and Medicare-related insurance. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty U.S. military personnel abroad. The firm’s advisory services focus on financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Linus Nygard is a financial advisor at EP Wealth Advisors with three years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining EP Wealth Advisors, he worked at GRP Retirement Planning and Bank of America N.A., among other roles. EP Wealth Advisors is a registered investment adviser serving individuals, corporate clients, and retirement plans. The firm offers wealth management, discretionary portfolio management, and financial planning, using customized model portfolios and a combination of fundamental, technical, and cyclical analysis.

Andrew Burns is a financial advisor at Key Investment Services LLC with 20 years of industry experience. He has held positions at Key Investment Services since 2012 and previously worked at Ameriprise from 2006 to 2012. Outside of advising, he owns and manages a long-term residential rental business in Portland, Maine. Key Investment Services LLC is an SEC-registered investment adviser that provides portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional plans. The firm offers multiple wrap fee programs and utilizes a multi-provider platform, integrating services from KeyCorp affiliates for investment and risk management solutions.

Jeremy Barnard is a financial advisor at Foundations Investment Advisors LLC with nine years of industry experience. He holds a Series 65 designation and has been with Foundations since 2017. In addition to his advisory role, Barnard operates an independent insurance agency. Foundations Investment Advisors provides financial planning and portfolio management to a diverse client base, including individuals, high-net-worth clients, and employer-sponsored retirement plans, using model portfolios and a combination of fundamental, technical, and cyclical analysis.

Jonathan Theberge is a financial advisor with Key Investment Services LLC, holding a Series 66 credential and three years of industry experience. He has been affiliated with KeyBank NA since 2013. Outside of advising, he owns and operates a general construction and remodeling company. Key Investment Services LLC is an SEC-registered investment adviser that provides portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional clients through a broad network of financial professionals. The firm utilizes a multi-provider model with discretionary and non-discretionary portfolios, integrating services from KeyCorp affiliates and offering multiple wrap-fee programs.

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.