Peter Lowell

Frank Maltais is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2015. He has worked with Fidelity since 2005, progressing through various roles including Senior Account Executive, Account Executive, Financial Planning Consultant, Investments Representative, and Financial Representative. Prior to joining Fidelity, he was an Investment Advisor Representative at John Hancock Financial Services. With more than 20 years of experience, Frank has partnered with families, individuals, and institutions specializing in comprehensive investment and wealth planning. He emphasizes building planning relationships through listening, keeping clients well informed, and providing proactive guidance. Outside of work, Frank and his family spend summers lobstering around Penobscot Bay. His personal interests include boating, family activities, fishing, fitness, reading, and skiing.

Carlo Zanoni is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management. He is a CERTIFIED FINANCIAL PLANNER® professional and a qualified Portfolio Manager, bringing over 20 years of experience in financial services. Carlo focuses on clients' life priorities through a goals-based wealth management process, leveraging global resources and advanced web technology to help clients pursue their most meaningful financial lifestyles. His areas of expertise include family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Carlo earned his Bachelor of Science degree in Economics from the University of Southern Maine. In addition to providing traditional advice and guidance, he builds and manages personalized investment strategies that may incorporate individual stocks and bonds, Merrill Lynch model portfolios, and third-party investment strategies, including discretionary management through the firm’s Investment Advisory Program. Residing in Lewiston, Maine, Carlo and his wife are recent empty nesters with two adult daughters. He is committed to community involvement, volunteering with organizations such as the Appalachian Mountain Club and Preble Street Resource Center, and participates in the Lewiston/Auburn Chamber of Commerce. Outside of work, Carlo enjoys baseball, basketball, camping, football, hiking, music, and spending time with his family.

Vance Johnson is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in retirement income planning and portfolio management services. He has over 24 years of experience as a financial advisor and has been with Merrill Lynch Wealth Management since 2006. Vance holds the Accredited Asset Management Specialist (AAMS) certification and is designated as a Portfolio Manager, enabling him to manage personalized investment strategies on a discretionary basis tailored to individual client goals. Vance focuses on assisting individuals, families, and small businesses with a range of financial planning areas including retirement income, college education planning, tax minimization, and family wealth management. He emphasizes understanding each client's unique financial situation to develop personalized strategies without financial incentives that might bias his recommendations. His approach includes educating clients to make informed decisions and working closely with them to pursue long-term objectives. He earned an Associate's Degree from New Hampshire Technical Institute. Outside of his professional role, Vance enjoys boating, camping, and music. He plays guitar and has performed in a band with friends for the past decade. He also values community involvement and dedicates time to volunteering with local organizations.

Jonathan Singer is a Wealth Management Advisor with Merrill Lynch Wealth Management. He provides customized financial and investment management strategies to individuals, families, and organizations, focusing on wealth accumulation, preservation, and transfer. Jonathan employs a comprehensive wealth management process that includes portfolio development, liability management, asset preservation, and creating lifetime retirement income streams. He collaborates closely with clients’ attorneys and accountants to address tax, trust, philanthropic, and estate planning matters. With more than 30 years of industry experience, Jonathan joined Bank of America Merrill Lynch Wealth Management in 2003. He holds a Bachelor of Arts degree in Economics from Hobart and William Smith Colleges and maintains professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is a member of the Maine Estate Planning Council and serves on the Advisory Board for the Salvation Army. A lifelong Maine resident, Jonathan lives in Cumberland with his wife and two children. His personal interests include biking, boating, ice hockey, music, and spending time with family. He is also involved with the Campaign Cabinet for the United Way of Greater Portland, reflecting his commitment to community participation.