Gerard Jones is the principal of Gerard Asset Management, L.L.C. in Waterford, Vermont, with 30 years of industry experience. He has led his independent firm since 1994. In addition to his advisory role, he maintains a part-time law practice specializing in estate planning, elder and disabled persons law, and financial planning. Gerard Asset Management provides discretionary investment management and supervisory services to individuals, trusts, estates, business entities, and charitable organizations. The firm tailors investment programs to clients’ financial goals and risk tolerance, using a combination of fundamental, charting, and technical analysis, and conducts quarterly account reviews.

Harper Phillips is a financial advisor at Btv Capital LLC in Burlington, VT, holding a Series 65 designation with nine years of industry experience. He has been with Btv Capital LLC since 2015 and previously operated Vennor Group LLC as a self-employed advisor from 2002 to 2017. Btv Capital LLC is a single-advisor registered investment adviser providing discretionary investment management and advisory services to a limited number of clients, including individuals, institutions, and pooled vehicles. The firm employs a volatility-based trading strategy focused on equity and index options, futures, and options on futures, using derivatives and leverage with an emphasis on growth and speculation rather than broad diversification.

James Milne is the sole advisor at Milne Financial Planning, Inc. in West Danville, VT. He holds the CFP® and Series 63 designations and has 31 years of industry experience, including 30 years at his current firm. Outside his advisory work, he owns residential and commercial real estate properties that generate rental income. Milne Financial Planning serves individual and high-net-worth clients as well as businesses, trusts, estates, and charities, offering discretionary asset management and comprehensive financial planning services. The firm uses a combination of fundamental and technical analysis with various investment products, incorporates periodic portfolio reviews and tax-loss harvesting, and conducts client account reviews at least every 15 months.

Patrick Howell is a financial advisor with SPC, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. His prior roles include positions at Eagle Strategies, New York Life, and MassMutual. Outside of finance, he co-owns Dynamic Cycling Adventures, a business focused on mountain bike clinics and coaching. SPC provides investment management, financial planning, and retirement-plan advisory services to a diverse client base, including individual investors, retirement plans, charitable organizations, and corporate clients. The firm supports a large network of advisors and delivers tailored, discretionary advice through various account programs, maintaining close affiliations with broker-dealers and insurance agencies.

Robert Thompson is a financial advisor at OSAIC Institutions, Inc. in St. Johnsbury, Vermont, holding Series 63 and Series 65 licenses with seven years of industry experience. His prior roles include positions at Passumpsic Financial Advisors, Passumpsic Bank, LPL Financial, CETERA Advisor Networks LLC, Community Financial Service Group, and Northern Lights Credit Union. Thompson's background includes working within both broker-dealer and investment advisory environments. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, retirement plans, trusts, estates, and corporate clients through a large network of investment adviser representatives. The firm offers customized advisory services, financial planning, and access to alternative investments, operating with a hybrid adviser/broker-dealer structure that combines discretionary and non-discretionary account management.

Ronald Sanville Jr. is a financial advisor at Empower Advisory Group with 30 years of industry experience. He holds the Series 63 and Series 65 designations and has worked previously at Prudential Investment Management Services LLC, Prudential Insurance Company of America, and Benefitscorp, Inc. Empower Advisory Group provides financial planning and investment management primarily for employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage account holders. The firm’s integrated services emphasize long-term portfolio returns, annual rebalancing, and clients’ savings rates within plan lineups selected by plan sponsors.

Teo Ufford Chase is a financial advisor at OSAIC Institutions, Inc. with a Series 66 credential and one year of industry experience. His prior roles include positions at Passumpsic Financial Advisors, Passumpsic Bank, Momentum Solar, and the Providence School District. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, wrap programs, and access to alternative investments, operating a hybrid adviser/broker-dealer structure with notable third-party promoter affiliations.

Staci Smith Lantagne is a financial advisor with Stifel, holding Series 63 and Series 66 licenses and 26 years of industry experience. She has been with Stifel Niclaus & Co Inc since 2009. Outside of her advisory role, she serves on the Development Committee and Board of the St. Johnsbury History and Heritage Center and is a member of the Pension Committee for the Town of St. Johnsbury. Stifel serves a wide range of clients, including individuals, institutions, charitable organizations, and municipal entities, offering brokerage and advisory services based on a proprietary investment methodology developed by its Investment Strategy Group.

David Gwatkin is a financial advisor with Edward Jones in Lyndonville, VT, holding a Series 66 designation and 13 years of industry experience. He has been with Edward Jones since 2013. 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 under management and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Deborah Williams is a financial advisor at Stifel with 44 years of industry experience. She has been with Stifel Nicolaus & Co. Inc. since 2009. Outside of her advisory role, she serves as a board member of the Waterford Springs Homeowners' Association and is also a Vermont notary public. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach is based on proprietary analysis from its Investment Strategy Group, providing guidance that clients may use to make informed decisions.

Stacey Randall is a Series 66 licensed financial advisor with LPL Financial, based in Saint Johnsbury, VT. She has four years of industry experience, including eight years at Wells Fargo Advisors Financial Network prior to joining LPL Financial. Outside her advisory work, she is employed part-time with North Country Vending. 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 services including financial planning, wrap and model portfolio programs, and access to third-party asset management, supported by both discretionary and non-discretionary investment strategies.

Thomas O'Reilly is a financial advisor at Edward Jones with one year of industry experience. He holds a Series 66 designation and previously worked as a consultant and at YBA Kanoo Group and Dell Technologies. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices across the country.

Jacob Lavely is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. His prior roles include positions at Wells Fargo Advisors, Wells Fargo Clearing, and A. G. Edwards & Sons, Inc. He operates under the DBA Ridgeline Wealth Management LLC. 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 financial planning and investment management services through a large network of advisors and utilizes model portfolios, third-party subadvisors, and customized strategies.

Barbara Howard is a financial advisor at Stifel with 17 years of industry experience. She holds the Series 66 designation and has been with Stifel since 2009. Outside of her advisory work, she is involved with The Justin R Howard Memorial Fund, which provides micro grants to youth and young adults in sports and academics. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies.

Travis Grosse is a financial advisor with LPL Financial in Saint Johnsbury, VT, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Fidelity Investments and Danville School. Outside of his advisory work, he has experience in lawn care services and education. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management solutions supported by advanced research tools and a large network of over 22,800 advisors.

Lawrence Cipollone is a financial advisor with Edward Jones in St Johnsbury, VT, holding Series 63 and Series 66 credentials and possessing 30 years of industry experience. He has been with Edward Jones since 1995. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and maintains a large national network of advisors and branch offices.

Shaina Calhoun is a financial advisor at Edward Jones with eight years of industry experience. She previously worked at TD Bank for five years before joining Edward Jones in 2018. Calhoun serves as a board member of the St. Johnsbury Chamber of Commerce, where she participates in promoting the downtown area. 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 services, including discretionary and non-discretionary strategies, and operates a nationwide network of financial advisors and branches.

Elizabeth Gwatkin is a financial advisor at Edward Jones with a Series 66 designation. She joined the firm in 2025 after a 26-year career at Northeastern Vermont Regional Hospital. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment strategies through a large nationwide network of advisors and branch offices.

Eric Wilson is a financial advisor at Edward Jones with 24 years of industry experience. He holds the CFP® designation and has been with Edward Jones since 2009. Outside of his advisory role, he has royalty income from a documentary related to East Burke LLC. 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 under management and offers a range of advisory programs and investment solutions supported by a nationwide network of over 23,700 financial advisors.

Lauren Stinehour is a Series 66 licensed financial advisor with Edward Jones, based in St. Johnsbury, VT. She has three years of industry experience, all with Edward Jones. Prior to her advisory career, she spent four years at J. Sargeant Reynolds Community College. Edward Jones is a full-service 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 and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Elysia Daigneault is a Series 66 licensed financial advisor with seven years of industry experience. She is currently with LPL Financial, where she has worked for six years. Prior to joining LPL, she was employed at Wells Fargo Advisors and Passumpsic Savings Bank. 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, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Tyler Cahoon is a Series 66-licensed financial advisor with LPL Financial in Saint Johnsbury, Vermont, bringing 12 years of industry experience. He previously worked at Wells Fargo Advisors for six years before joining LPL Financial in 2020. Outside of his advisory role, Cahoon serves as a board member of Cahoon Motorsports, a nonprofit organization. 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 advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers.

Brian Cussimanio is a financial advisor with LPL Financial in Lyndonville, VT, holding Series 63 and Series 66 registrations and 19 years of industry experience. His prior roles include positions at Edward Jones, The Vermont Agency/Equity Services, Morgan Stanley, and Citigroup Global Markets. He is also involved as a Trust Officer and Investment Advisor with Community Financial Services Group, LLC. 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, including financial planning and access to model portfolios, and supports advisors with research tools and a broad platform that includes insurance and credit products.

Joseph Le Clair II is a financial advisor with Edward Jones in Lyndonville, VT, holding a Series 66 designation and 18 years of industry experience. He has been with Edward Jones since 2007. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a wide range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm has approximately $1.01 trillion in assets under management and operates through a large network of financial advisors and branch offices nationwide.

Michael Newell is a Series 66-registered financial advisor with Cambridge Investment Research Advisors, where he has worked since 2015. He has 28 years of industry experience. In addition to his advisory role, Newell is an independent insurance agent operating through Curis RIS, LLC. Cambridge Investment Research Advisors serves a broad range of clients, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing both proprietary and third-party model strategies tailored to client objectives.