Jac

Jac M. Arbour, CERTIFIED FINANCIAL PLANNER™ professional, Chartered Financial Consultant®, is the founder and CEO of J.M. Arbour, a comprehensive financial planning firm offering investment advisory solutions, headquartered in Maine.

Jac immediately began his career in the financial services industry after graduating from Bowdoin College. In time, he has developed a passion and an expertise in the areas of life, retirement, and estate planning, as well as fee-based investment advisory services.

Jac leads a team of fiduciaries and private wealth advisers who enrich the lives of those they serve. The mission of the team is to create retirement, estate, and financial plans that generate the greatest wealth in its forms.

Jac is the author of four books and financial guides, including: May You Drink from the Saucer (2013), This Little Piggy, a financial literacy book for children and families (2021), The Art of the Rollover (a financial guide for those in career transition, 2020), and The Ultimate Guide to Retirement Income (2021).

Jac serves as a consultant to startups and serves as an executive to PacBak, Inc., a leader in the outdoor equipment and mobile preservation industry. As a consultant and investor, Jac’s area of focus is with companies in the fintech and outdoor equipment industries.

Jac graduated from Cony High School and attained his BA degree from Bowdoin College, Brunswick, Maine. Jac earned his ChFC® designation from The American College, Bryn Mawr, Pennsylvania and his CFP® certification from the CFP Board of Standards. 

Licenses and Professional Designations:
Licensed Producer: Maine Life and Health Insurance
Investment Adviser Representative (Series 65)
Chartered Financial Consultant®
CERTIFIED FINANCIAL PLANNER™ professional

Community Involvement:
Personal Development and Financial Literacy Speaker
Founder of 1% to F.E.E.D. KIDS™

To purchase a copy of one of Jac’s books, please Click here

MILES

Miles T. Whitlock, CERTIFIED FINANCIAL PLANNER™ professional, Chartered Financial Consultant® is a Vice President of Private Wealth Services and fiduciary at J.M. Arbour, where he demonstrates a strong ability to help his clients in the areas of retirement, income, and insurance planning. Miles utilizes various strategies to assist his clients, enhance their investment experience, reduce their financial risks, and help preserve the assets they have spent a lifetime accumulating.

Miles’ approach to working with clients is one that is both relaxed and confident. He particularly enjoys working with fellow Mainers who seek advice pertaining to conservative strategies and those that will ensure financial peace of mind.

Specifically, Miles’ has a focus on helping people:

• Explore safe money alternatives

• Maintain financial independence throughout retirement

• Protect and preserve hard-earned assets from chronic illness

• Understand options that could maximize their Social Security benefits

• Efficiently pass assets to beneficiaries

• Align their investment portfolios with their goals, timelines, and expectations, all of which is done on a customized basis

Miles’ consultations are no-fee and include collaboration with accountants, attorneys, and other insurance professionals to ensure that a comprehensive approach is taken with his clients.

Miles is a native of Maine and grew up in Manchester. He graduated from Cony High School and attained his BA degree in Economics from Clark University. He considers coaching and playing sports among his greatest passions.

Licenses and Professional Designations:
Licensed Producer: Maine Life and Health Insurance
Investment Adviser Representative (Series 65) Chartered Financial Consultant®

Professional Memberships:
National Association of Insurance and Financial Advisors

Community Involvement:
Volunteer Coach with Youth and High School Baseball
Manchester Historical Society
Manchester Grange Member (Officer)
Kennebec Valley YMCA Annual Fund Committee

Will

Will S. Cummings is an Investment Adviser Representative focused on helping his clients realize their financial goals through an education first approach.

Will began his career in the financial services industry after graduating from Rochester Institute of Technology, Rochester, New York. It was at RIT that Will attained a degree in Finance and dual minored in Economics and Accounting.

Prior to graduation, Will interned as an Economic Analyst with Mechanics Savings Bank and as a Treasury Analyst for the Rochester Institute of Technology. Upon graduation, Will began his career as an advisor and joined Axa Equitable Advisors as a Registered Representative.

Will brings experience and a strong skill set to the JMA team. He has a passion for helping families grow into the positions they desire, and does so by sharing his analytical insights and conceptual thoughts, making the seemingly complex, easy to understand.

Will is a Maine native and grew up in Monmouth, a small town located between Augusta and Lewiston-Auburn. Will enjoys being outdoors and near the ocean, which fuels his passion for fishing the Atlantic Ocean. Will is an avid fan of sports and is a former semi-professional football player, having played in upstate New York.

Licenses:
Licensed Producer: Maine Life and Health Insurance
Investment Adviser Representative (Series 7, 63, and 66)

Community Involvement:
Friends of Cumston Hall Board Member

JACK

Jack B. Fitzpatrick is an Investment Adviser Representative at J.M. Arbour, servicing the Scottsdale, Arizona region.

Jack had a successful and rewarding career of twenty-three years with Morgan Stanley and was headquartered at the home office in New York City. After Morgan Stanley, Jack managed currency and fixed income portfolios for Gelber Group and Fitzco.

Jack is a relationship-centric person, excelling in client communications and relationship management. His humble nature and ability to clearly communicate complex strategies to those he sits with is a skill set that serves his clients and the JMA team well.

Jack is a native New Yorker and attained both his BA degree and his MBA in Finance from Fordham University. He relocated to Arizona in 2014 with his family and almost considers himself a true Arizonian. Jack enjoys hiking, skiing, golfing (sometimes more than one of these in the same day) and spending time with his wife and four daughters.

Licenses and Professional Designations:
Licensed Producer: Arizona's Life, Accident, and Health
Investment Adviser Representative (Series 65)

Community Involvement:
Active volunteer at Feed My Starving Children
Active volunteer at Scottsdale Youth Soccer
Member of Financial Executive Networking Group

JIM

James C. Lowell is an Investment Adviser Representative at  J.M. Arbour. 

Jim is a graduate of the University Of Maine Orono and the School of Economics. It was here that Jim’s passion for Finance and Markets began.  This led to an astute understanding of derivatives, equities, and investment strategies.

Jim has spent the last ten years with a nationally ranked insurance agency; his focus has been property-casualty and life insurance case design. This experience is one that led to a strong skill set in the areas of risk analysis and management, asset protection, and property valuation.

After ten years of service with outstanding client retention, Jim leads with an empathetic approach to meet the needs of his clients. His understanding of systematic risk and broad market conditions allows Jim to lead his clients to investments that are both appropriate as well as impactful for their future financial needs.

Jim’s consultations are no-fee and include collaboration with accountants, attorneys, and other insurance professionals to ensure that a comprehensive approach is achieved.

Jim is a native of Maine, grew up in Augusta, and graduated from Cony High School. He furthered his education in Colorado, graduating from Colorado Mountain College in Steamboat Springs, and then once more from the School of Economics at the University of Maine, Orono. He was a registered Maine Guide, an avid fly fisherman, and a lifetime outdoor enthusiast.  He lives in Sabattus with his wife and daughter.

Licenses and Professional Designations:
Licensed Producer: Maine Life and Health Insurance
Investment Adviser Representative (Series 65)
Associate in General Insurance
Associate in Personal Insurance

Community Involvement:
Town of Sabattus, Maine: Planning Board Vice-Chair
Town of Sabattus, Maine: Budget Committee

TERESA

Teresa M. Jaquith is a Portfolio Administrator at J.M. Arbour. She has extensive experience providing administrative support in the fields of industry, marketing, health care, and finance. Her aim is client satisfaction via creativity and operational efficiencies that improve processes, streamline activities, and ensure consistent and accurate workflows.

Teresa was born and raised in Michigan and graduated from Lake Superior State University.  She moved to Maine in 2011 and currently lives in Gardiner with her husband, a native of Maine.  Teresa is active in her local church and enjoys gardening, crafting, reading, and exploring Maine and the surrounding areas.

AIYANA

Aiyana J. Lauderman is a Private Wealth Adviser at J.M. Arbour. She has a passion to educate others about the far-reaching impact of financial decisions on businesses, families, and communities. She operates as a connector, uniting her clients with the appropriate networks of investment, insurance, legal, tax, and luxury lifestyle professionals.

Aiyana places immense value on relationships, acknowledging that trust and personalized attention are the cornerstones of successful friendships and business relationships. She recognizes the inherent urgency in her clients' financial matters, demanding meticulous attention to detail and a steadfast commitment to confidentiality.

Beyond career, Aiyana is committed to philanthropy and driving positive societal change. She actively participates in initiatives geared towards enhancing educational access, promoting financial literacy, and empowering underprivileged communities. Furthermore, she leverages her voice as a contributor to athlete panels, fostering self-expression beyond the confines of the sports arena.

Aiyana earned her BA from West Virginia University, Morgantown, West Virginia. She resides in Scottsdale, Arizona and is an active member in the hyper-car community, while finding solace in activities such as hiking, golfing, snowboarding, and tactical shooting.

Community Engagement:

• Success Beyond Game Day

• The Women's 360

SHELLIE

Michelle "Shellie" Black is a Retirement Plan Adviser at J.M. Arbour and works directly with Plan Sponsors and Plan participants. Shellie has over a decade of financial experience rooted in banking customer service, making her a strong fit for client facing roles. With a focus on delivering exceptional personalized service, Shellie employs humor, compassion, and superior problem-solving skills to cater to her clients' needs.

In addition to her banking career, Shellie has been deeply committed to enhancing financial literacy, particularly among young audiences. Her latest endeavor includes authoring the children's book "Pocket Change and Dollar Bills," aimed at instilling the importance of saving money and growing wealth in toddlers and early readers.

Shellie was born and raised in Ithaca, NY, and embodies a true adventurous spirit. In 2016, she embarked on a journey to Maine and has never looked back. Today, she finds immense joy in raising her vibrant three-year-old son, Wilder, amidst the scenic landscapes of Maine.

Beyond her professional pursuits, Shellie finds fulfillment in an array of interests. As a former college cheerleader, she cherishes the opportunity to impart invaluable life lessons to her teams through coaching and empowerment. Seeking solace in nature, she spends her leisure time harvesting homegrown vegetables in her garden, hiking with her dogs, casting a fishing line in local serene lakes, or indulging in a good book on the beach.