"The best time to plant a tree was 20 years ago, but the second-best time is today." These words and the lessons my father taught me over the years instilled in me a planner's mindset and a passion for educating others. The old saying "an ounce of prevention is worth a pound of cure" is true in financial planning as well. My clients want a coach who can help them sort through the abundance of information available today while teaching them how to achieve their goals. As a father, I think a lot about the future of my two sons and want our financial resources to be a positive influence. As a husband, I want the security of knowing that my wife will be financially secure if the unexpected ever happens to me. My clients feel the same way. That's why I help families to save more, identify growth opportunities, protect what they've grown, and efficiently transfer their wealth to the next generation. I want my clients to live the life they love. Over the last several years, building my practice, I have felt the struggles and the pride of creating something of value, which is why I help business owners with strategies to get the most out of their business while managing their risk. When you decide to work with our practice, we start by understanding what is most important to you. Then our established process is used to build personalized strategies that fit your needs to help you achieve your financial goals. Lastly, we partner with you for the rest of your life to keep you on track. When I meet with clients, I want them to leave feeling understood, informed, in control and secure - with confidence in their future so they can focus their time enjoying what is important to them today. Outside of this important work, you can find me playing drums, reading a good spy book, playing fetch with our dog Seamus, or enjoying the Maine outdoors. Most often though, I'm with my family: at the playground, at a hockey rink or ball field, or at the beach and being the best father and husband I can be.
Objective Financial Planning for the Future You Envision
Our commitment to every relationship is why we believe our clients entrust us to guide their financial lives and recommend us to their families and friends to do the same for them.
Christian Bishop
CFP®, EA
Christian is a financial advisor at Casco Bay Wealth Advisors and an Investment Adviser Representative of Commonwealth Financial Network®, member FINRA/SIPC, a Registered Investment Adviser. Christian entered the financial services industry in 1993 as a tax accountant. In 1997, he expanded his practice to include investment, retirement, college, and financial planning. Christian is a founding shareholder of Casco Bay Wealth Advisors, where he continues to use his tax expertise and planning strategies to pursue the financial needs of his clients.
Kevin Carbin Jr.
CFP®
Kevin is a financial advisor at Casco Bay Wealth Advisors and an Investment Adviser Representative of Commonwealth Financial Network®, member FINRA/SIPC, a Registered Investment Adviser. He has worked in the financial services industry since 1986 and is a founding shareholder of Casco Bay Wealth Advisors. He focuses on creating and nurturing mutually beneficial, long-term relationships with his clients.
Kevin designs and implements financial planning strategies for retirees, high-net-worth families, and business owners.
Normand Poulin Jr.
Norm is a financial consultant at Casco Bay Wealth Advisors and an Investment Adviser Representative of Commonwealth Financial Network®, member FINRA/SIPC, a Registered Investment Adviser. He graduated with high honors from the University of Maine with a bachelor's degree in educational sciences and entered the financial services industry in 1994. In 1998, he joined the investment professional team that now makes up Casco Bay Wealth Advisors.
Norm specializes in designing strategies that provide guidance to his individual and corporate clients, with strategies to pursue wealth, minimize risk, minimize taxes, and protect their estates.
Leslie Couper
CFP®
Leslie is the principal supervisor at Casco Bay Wealth Advisors and an Investment Adviser Representative of Commonwealth Financial Network®, member FINRA/SIPC, a Registered Investment Adviser. Leslie brings to the financial field a determination to help people pursue their financial goals and objectives and a desire to make it an educational process. She graduated from Bates College with a degree in biology and chemistry. Prior to pursuing a career in the financial industry, she was a research associate in the vascular biology department at Maine Medical Center Research Institute. Her desire to help people, combined with an interest in finances and enthusiasm for teaching, led her down the path of financial planning and attaining the CERTIFIED FINANCIAL PLANNER® professional certification.
Leslie specializes in providing financial guidance and planning services, including estate, retirement, college, and general investment planning, for individual clients and small business owners.
Stephen Goldsmith
CRPS®
Steve is a financial advisor at Casco Bay Wealth Advisors and an Investment Adviser Representative of Commonwealth Financial Network®, member FINRA/SIPC, a Registered Investment Adviser. Steve entered the investment industry in 1988 and is a principal at Casco Bay Wealth Advisors. He graduated from the University of Denver with a BA in psychology. He then went on to earn a teaching degree from Western Washington State University. In 1979, he earned a master's degree in education from the University of Vermont. He enjoys using his experience and educational background to teach people about finances, help them understand the investment world, and set goals for their personal situations.
Steve specializes in providing guidance and financial planning services, including retirement and estate planning, as well as insurance, for individuals and small business owners.
Joseph Cote
CFP®
Joe is a financial advisor at Casco Bay Wealth Advisors and an Investment Adviser Representative of Commonwealth Financial Network®, member FINRA/SIPC, a Registered Investment Adviser. He has worked in the financial services industry since 2012 and is a CERTIFIED FINANCIAL PLANNER® professional. He focuses on developing a deep understanding of the client's family, investment mindset, and long-term goals to tailor the financial strategy to their unique needs.
Joe designs and implements financial planning strategies for retirees, high-net-worth families, and is passionate about helping educate the children of the clients he works with.
General Information |
| Firm Start Year: | 2013 | |
| No. of Employees: | 10-19 | |
| Number of Years with Current Firm: | 2 |
| Work with the following types of clients: | Businesses, Non-Profit Organizations, Individual Investors |
| Advisory Services Provided: | Estate Planning & Trusts, Financial Advice & Consulting, Insurance Products & Annuities, Financial Planning, Portfolio Management, Retirement Planning, 401K Rollovers, Money Management, Risk Management, Education Funding and Planning, Financial Planning for Individuals, Financial Planning for Businesses, Wealth Management |
Services |
| Investment Types: | Insurance, Annuities, Stocks, Bonds, Mutual Funds, Exchange Traded Funds (ETFs), Alternative Investments, Socially Responsible Investments (SRI) |
| Can meet clients in the following ways: | Phone, Our Offices, Video Conference |
Qualifications & Memberships |
| Insurance and Annuity Licenses: | Health, Life, Variable Annuity, Long Term Care, Variable Life, Annuity, Casualty, Disability |
Compensation and Fees |
| Fee Structure: | Fee-Based |
| Minimum Portfolio Size for New Managed Accounts: | $250,000 |
| Compensation Methods: | Based on Assets, Flat Fee |
| Fee % Based on Assets: | 0.6 - 1.25 |
| Hourly Rate: | $250+ |
| Minimum Fee Charged for Managed Accounts: | $3,500 |
| Minimum Fee Charged for Hourly Planning Accounts: | $2,500 |
Disclosures |
|
Commonwealth Financial Network ADV 2A Additional Detailed Disclosures |
Disclaimer |
| Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. The Commonwealth Advisor(s) associated with this profile may discuss and/or transact business only with residents of states in which they are registered. You may review a list of Advisor's registrations and other information by visiting BrokerCheck. Fixed insurance products and services are separate from and not offered through Commonwealth. Alex Mills is dually registered as a registered representative and investment adviser representative of Commonwealth Financial Network®. In these roles, Alex is able to offer two types of accounts: brokerage accounts and asset management accounts. When serving as your advisor on a brokerage account, Alex is required to act in accordance with the requirements of Regulation Best Interest (Reg BI). When serving as your advisor on an asset management account, Alex is required to act in a fiduciary capacity. In addition to the annual management fee, clients may pay transaction charges (for PPS Custom) or program fees (for PPS Select) and administrative charges, and miscellaneous account fees and charges, as described in the Master Services Agreement (MSA) or PPS Client Agreement (as applicable) and Commonwealth's ADV Part 2A Brochure." |
Registered Representative:
Yes
Investment Advisor Representative:
Yes
Acknowledged fiduciary:
Yes
Compliance Disclosures in Last 5 years:
I have a clean record
Criminal Disclosures in Last 5 years:
I have a clean record
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