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.

Emily Getchell is Vice President and Branch Leader at Fidelity Investments, where she leads a team of financial professionals dedicated to delivering comprehensive planning experiences that strengthen client relationships and enhance guidance standards. In her leadership role, she focuses on supporting advisors in achieving meaningful outcomes for clients and fostering career fulfillment through clarity and confidence. Emily's career in the financial services industry spans over a decade, with progressive roles at Fidelity Investments since 2019, including Vice President, Regional Planning Consultant, and Financial Consultant. Prior to joining Fidelity, she held positions such as Retirement Investment Counselor at Lebel & Harriman, LLP, Financial Consultant at Norton Financial Services, Assistant Portfolio Manager at Ram Trust Services, and various roles at Vanguard, including Relationship Manager and Client Relationship Associate. Outside of her professional work, Emily engages in activities such as music, running, skiing, theater, volunteering, and yoga.

Jeffrey Dunkle is a Financial Consultant at Fidelity Investments, a position he has held since 2020. In this role, he works closely with clients to develop personalized financial plans that address their individual needs and priorities, utilizing the resources available at Fidelity. His professional experience spans over a decade in the financial services industry. Prior to his current role, he served as a Financial Advisor and Wealth Planning Associate at UBS Financial Services Inc. from 2017 to 2020. Before that, he was a Regional Investment Consultant at MFS Investment Management from 2013 to 2017, and he began his career as an Investment Operations Analyst at Fidelity Investments from 2011 to 2013.

Richard Clough serves as an Associate Resident Director and Wealth Management Advisor at Merrill. In this role, he partners with clients to develop personalized wealth management strategies that reflect their life priorities, goals, and aspirations. He integrates insights from Merrill’s investment expertise with banking and lending solutions from Bank of America to create flexible financial plans responsive to changing market conditions. With nearly a decade of experience, Richard specializes in working with education, healthcare, and non-profit professionals, helping them design customized financial strategies focused on retiring well and achieving a work-optional lifestyle. His areas of expertise include legacy planning, personal retirement planning, portfolio management, socially responsible and values-based investing, and retirement income. He holds several professional designations including Certified Exit Planning Advisor (CEPA), CERTIFIED FINANCIAL PLANNER (CFP), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Richard earned a Bachelor's Degree from Baker College and a Master's Degree from the College for Financial Planning. Committed to community involvement, he follows Merrill’s tradition of volunteering with organizations where he serves. Outside of work, he enjoys activities such as boating, camping, football, gymnastics, hunting, rock climbing, skiing, spending time with family, and traveling.