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For Ledyard shareholders planning on attending our Annual Meeting of Shareholders on May 26th at 9:00 a.m., the meeting will go on as planned at the Hanover Inn, Hanover, NH. For everyone’s safety, we plan to hold the meeting in a socially distanced manner and all attendees will be asked to wear face masks. Thank you.

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Celebrating 25 years

Team

Michael Hakoun

Executive Vice President & Managing Director
Ledyard Financial Advisors

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Michael Hakoun is the Executive Vice President & Managing Director of Ledyard Financial Advisors, with nearly two decades of experience in the investment management and banking industry. Michael’s extensive wealth management and retail banking experience perfectly complements Ledyard’s strategic goals and passion for developing long-term client relationships.
 
Prior to joining Ledyard, Michael led a five-state team located in New Hampshire, Vermont, Maine, Massachusetts and Rhode Island supporting 230 branches for TD Bank. The comprehensive team included Wealth Strategists, Investment Advisors, Trust Advisors, Wealth Lending Specialists, Private Client Relationship Managers and Client Services. Prior to leading that team, Michael worked in Canada where he led a Call Center for TD Ameritrade in London, Ontario.  He also worked in Toronto, Ontario, leading the Customer & Employee Experience Strategy groups across the North American Call Centers, which included Wealth Direct Investing & the Wealth Advice Center. Additionally, Michael has Retail Banking experience with TD, as a prior Retail Regional Manager in the Greater Concord - Lakes area of NH. Prior to joining TD, he worked with Citibank & Guardian Life Insurance.
 
Michael graduated from McMaster University’s DeGroote School of Business in Ontario, Canada with a Master of Business Administration. Michael has a Bachelor of Science degree in Business Economics from the State University of New York at Oneonta and also holds FINRA Series 7, 63, 65, 24 licenses.  
 
He serves on the board of Mt. Zion Christian Schools, coaches recreational softball teams for his daughters, and teaches students at his local church.
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John W. O’Dowd, CTFA

Senior Vice President, Director of Client Relations

Office Phone: 603.640.2690

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John O’Dowd is a Senior Vice President, Director of Client Relations. John's responsibilities include resolution of client service issues, focusing on client satisfaction. Additional responsibilities include management of the Financial Advisor team with overall responsibility for business development for Ledyard Financial Advisors.  John also has direct client responsibilities as well.

John has over 20 years of fiduciary, investment and wealth management experience in New England and the New York metropolitan region. Prior to joining Ledyard National Bank he served as Senior Portfolio Manager at TD Wealth Management where he was responsible for maintaining strong business relationships with clients to determine financial goals and objectives, provide economic and market information while setting equity and fixed income strategies according to the clients objectives and risk tolerance.

John is a Certified Trust & Financial Advisor and a graduate of the American Bankers National Trust and Graduate Trust schools. He earned his Bachelor's degree from New School University and completed the Paralegal Program at New York University's Institute of Paralegal Studies.

John’s professional associations include membership with the New Hampshire Estate Planning Council, New Hampshire Bankers Trust Committee, past Chairman of the Development Committee of Riverbend Community Mental Health, Inc. and Past Trustee of Canterbury Shaker Village, current Trustee Ausbon Sargent Land Preservation Trust and member of the Advisory Council for Osher at Dartmouth.
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Douglas B. Phillips, CFA

Senior Vice President
Chief Investment Officer

Office Phone: 603.640.2726

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Doug Phillips joined Ledyard Financial Advisors in 2017 after spending 30 years in the investment management industry serving affluent individuals and families, foundations and endowments.

As Chief Investment Officer, he is responsible for leading the investment team and managing Ledyard's investment process, research activities and the development of portfolio strategy.  He also enjoys working directly with clients to help them meet their financial objectives. 

Prior to joining Ledyard, Doug was the Chief Investment Officer of Foster Dykema Cabot, a registered investment management firm in Boston.  He was also a Portfolio Manager at Choate Investment Advisors, a subsidiary of Choate Hall & Stewart in Boston.  While at Choate, he worked closely with many of the firm's clients and was a member of the Investment Policy Committee, which was responsible for formulating investment strategy and selecting investments.

He earned a BA in Economics from St. Lawrence University in 1986 and holds the Chartered Financial Analyst designation. He is also a member of the CFA Institute and the Boston Security Analysts Society.

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Fred Wainwright

Senior Vice President
Senior Investment Strategist and Head of U.S. Equities

Office Phone: 603.640.2698

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Fred Wainwright joined Ledyard in 2012 as a Senior Vice President and Senior Investment Strategist.  He offers over 20 years of experience in investment decision making, strategic consulting and business development in New England and Silicon Valley.  Fred leads our Dynamic Allocation and Socially Responsible investment strategies and co-manages our Total Return and Dividend Growth strategies.  Fred's clients include business owners, executives, entrepreneurs, family offices, retired individuals and community organizations.  Fred is passionate about helping his clients navigate the future.

Prior to joining our team, Fred was the executive director of an investment and entrepreneurship research center and taught MBAs and business owners at the Tuck School of Business at Dartmouth. He has written, co-authored and edited numerous reports, cases, and a book on various financial and strategy topics. Fred has been a guest author and has been quoted in various publications including Financial Times, The Wall Street Journal and New Hampshire Business Review.  His experience includes investing in early stage companies and serving on the board of a venture firm.  Fred advises clients from business and personal perspectives on topics such as valuation, succession planning, asset allocation and long term financial planning.  As a strategist he conducts due diligence of new investments and macroeconomic trends as well as public and private companies and funds.

Fred is a graduate of Stanford University and earned his MBA at the Tuck School of Business at Dartmouth. He completed executive education courses at Harvard and MIT and received a Certificate of Director Education from the National Association of Corporate Directors. Fred is a member of the CFA Institute.

Fred is active in the community and completed the Leadership Upper Valley program.  He has led and served on boards and committees of educational, economic development and arts organizations.  Fred has completed several marathons (Prague was his favorite) and reached the summit of Mt. Kilimanjaro.  He has lived in Latin America and is fluent in Spanish and Portuguese.  He and his family enjoy skiing, meditation, yoga, cycling and hiking.

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Jon E. Molesworth, AIF®

Director of Investment Services and Senior Portfolio Manager

Office Phone: 603.640.2684

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Jon E. Molesworth joined Ledyard in 2000, initially as a portfolio manager and equity analyst.  He currently holds multiple responsibilities as Director of Investment Services, Senior Portfolio Manager and a member of Ledyard's investment strategy team.

Prior to joining Ledyard, Jon spent ten years as a Risk Management Consultant and Team Manager for the Risk Management practice of Watson Wyatt Worldwide in Boston.

Jon received a B.A degree, Highest Honors, in Business and Mathematics from Skidmore College in 1987, and received his M.B.A., Summa Cum Laude, from the F. W. Olin Graduate School of Business at Babson College in 1998. Jon also graduated from the Cabinet and Furniture Making program at the North Bennet Street School in Boston in 1999. Jon has earned the Associate in Risk Management (ARM) designation from the Insurance Institute of America in 1995, the Accredited Investment Fiduciary® (AIF®) designation awarded by The Center for Fiduciary Studies in 2008 and the Global Financial Steward (GFS®) designation issued by the Leadership Center for Investment Stewards in 2012.  Jon has served as Auditor for the Town of West Fairlee, a member of the West Fairlee Budget Committee, and has served on the Rivendell Interstate School District Technology Committee.
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Jeff Gendron, CAIA, Chartered SRI Counselor™

Senior Vice President, Senior Portfolio Manager and Investment Strategist

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Jeff Gendron joined Ledyard Financial Advisors in 2022. As a Senior Portfolio Manager and Investment Strategist, Jeff is responsible for investing client portfolios, conducting research, and providing client service.

Over his career spanning more than 25 years, Jeff has built broad-based experience in many segments of the financial services industry. Prior to joining Ledyard Financial Advisors, Jeff researched investments and managed portfolios at The Colony Group and Harvest Capital Management. Previously, Jeff conducted manager due diligence research for the broker-dealer division of Lincoln Financial Group. He served in various roles at the New Hampshire Retirement System where he researched investment strategies, managed projects, and provided plan administration for the $7.4 billion defined benefit pension fund. Jeff began his career managing 401(k) plan administration for the defined contribution divisions of Scudder Trust Company and Putnam Investments.

Jeff earned his Master of Business Administration degree with a concentration in Finance from Southern New Hampshire University. He graduated from the University of New Hampshire with a bachelor’s degree in Business Administration. Jeff holds the FINRA Series 65 Uniform Investment Adviser Law license. He earned the right to use the Chartered Alternative Investment Analyst designation. As a Chartered SRI Counselor™, Jeff developed foundational knowledge and expertise in sustainable, responsible, and impact investing strategies.

Outside the office, Jeff enjoys spending time with family and friends, attending concerts, reading, and learning about geopolitics. In 1995, Jeff married Kathy. They have known each other since attending first-grade together in Hudson, NH.
 
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Donna L. Batchelder, ATOP

Senior Vice President and Director of Client Services

Office Phone: 603.640.2681

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Donna Batchelder joined Ledyard Financial Advisors in 1996 and has over 18 years of experience in securities operations and trust accounting. She has supervised our client services area for 8 years and was coordinator of Ledyard’s conversion to the Northern Trust TrustRite accounting system. Prior to joining Ledyard Financial Advisors she was employed at Fleet Bank NH as a member of the retail banking group.

Donna completed Cannon Financial Institute’s first year securities operations program and the Accredited Trust Operations Professional program offered in conjunction with Campbell University.

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Portfolio Managers

Karen Crump

Senior Portfolio Manager

Office Phone: 603.640.2741

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Karen Crump joined Ledyard Financial Advisors in Concord, New Hampshire in 2016, is a graduate of Champlain College in Vermont, and has over 25 years of experience in the financial industry.

As a Senior Portfolio Manager, Karen manages portfolios for individuals, families, institutions, and charitable organizations.  She also works with the investment strategy team on projects and seeks ways to help us communicate about investments clearly and effectively to clients.

Her expertise ranges across the investment landscape, including extensive work with companies in the healthcare sector and industrial domestic companies.  Karen served as the Investment Chair for weekly investment team meetings, was published quarterly for in house Understanding Investments journal and hosted a live radio show for many years on Money basics.  She is on the Board of Directors for Red River Theatre in Concord, NH.  Karen also served on the Board of Directors for The GoodLife of Centennial Senior Center in Concord, NH for six years.

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Christopher C. Ng, CTFA

Senior Portfolio Manager

Office Phone: 603.640.2685

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Christopher Ng joined Ledyard National Bank’s Investment and Trust Services Division in October of 2003 and has over 25 years of experience within the investment and trust industry. In 1987, Chris began his financial career with the Dartmouth National Bank in Hanover, New Hampshire and moved into Fleet Boston's Private Clients Group when Fleet Boston acquired Dartmouth National Bank in 1989. Prior to joining Ledyard, Chris was Vice President and Relationship Manager with Fleet Boston.

Chris holds a Bachelor of Science degree in Business Management from Green Mountain College in Poultney, Vermont and is both a Certified Trust and Financial Advisor (CTFA) and a licensed investment representative with the NASD (Series 7 & 63). He is also a graduate of the National Graduate Trust School at Northwestern University and the New England School of Banking at Williams College. In 2006, Chris graduated with Honors from the Cannon Financial Institute's Fiduciary Investment Management School, with a designation of Accredited Fiduciary Investment Manager (AFIM). He also completed the CFP certification program of the College of Financial Planning.

During his career, Chris has served on the boards of many local organizations, including the Friends of the Children's Hospital at Dartmouth, The Maynard House, the Lebanon Senior Center and the Upper Valley United Way.
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Jeffrey Trombly

Senior Portfolio Manager

Office Phone: 603.640.2733

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Jeffrey Trombly joined Ledyard Financial Advisors in Concord, New Hampshire in 2016 and now is based in the New London office.  As a Senior Portfolio Manager, he works closely with clients to help them plan and meet their objectives.  He also works with the Investment Strategy team on various projects including fixed income analysis.

Jeff has over 30 years of experience in the financial services industry.  His background includes positions as a Financial Advisor with Merrill Lynch in Portland, Maine and Morgan Stanley in Manchester, New Hampshire.  His area of specialty has been personalized asset management for individuals and institutions.  Jeff places a strong emphasis on the financial planning process in order to best position his clients' portfolio management requirements within their overall financial strategy.  He has also held positions with Chase Manhattan Bank and MassMutual Financial Group, giving him a broad exposure to all segments of the financial services industry.

He holds a Bachelor of Arts in Economics from Bates College.  Outside interests include serving on several Concord area boards, currently the Greater Concord Chamber of Commerce, the Concord Historical Society and the Friends of White Park.
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Financial Advisors

Margie Arbuckle-Morrill, CTFA, CISP

Senior Financial Advisor
Technical Services

Office Phone: 603.640.2692

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Margie Arbuckle-Morrill joined Ledyard Financial Advisors in August of 2000. She has over 25 years of trust administrative, tax, IRA, charitable gifting and wealth management experience. Prior to joining Ledyard, she was the Life Income Trust Administrator for Dartmouth College for 16 years.

Margie’s professional associations include terms as a member of the Connecticut Valley Estate Planning Council and the Upper Valley Planned Giving Council.

Margie holds a Bachelor’s degree in Business Management from the University of New Hampshire System where she graduated with honors. In January 2002, Margie completed the Cannon Financial Institute’s Trust School with honors. In March 2004, she successfully completed her IRA Professional School training with Cannon Financial Institute. In August 2011, Margie completed all of the Certified Financial Planning course work at Boston University. Margie has also obtained her Certified Trust and Financial Advisor (CTFA) and her Certified IRA Services Professional (CISP) designations.

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Monique Brown

Senior Financial Advisor

Office Phone: 603.513.4082

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Monique Brown joined Ledyard Financial Advisors in April of 2017, and has 30 years of experience in trust administration, IRAs, charitable trusts, compliance and wealth management. Prior to joining Ledyard, she was vice president and trust advisor at TD Bank, N.A. – TD Wealth. She began her banking career in 1992 at First NH Bank in the Investment Services division, and remained with the Trust and Investment Services group after the bank was acquired by Citizens Bank in 1996.

Monique received her associate’s degree from Hesser College in Manchester, New Hampshire. She is an active member of the New Hampshire Estate Planning Council, and previously served as the chair of the Manchester City Library Foundation, as well as a trustee for the Manchester City Library.  Monique is a member of the Board of Trustees for the Capitol Center for the Arts and serves on the Finance Committee.

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Diane J. DeStefano CFP®, CTFA

Senior Financial Advisor

Office Phone: 603.640.2708

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Diane DeStefano joined Ledyard Financial Advisors in Concord, New Hampshire in 2016 and has over 31 years of senior level experience in investments and financial planning.

Diane received her Associate’s Degree from Rivier College in Nashua, NH, her Bachelor’s Degree from the University System of New Hampshire, Durham, NH and obtained a Certificate in Financial Planning from Merrimack College in North Andover, MA.

She received the designation of Certified Financial Planner from the Certified Financial Planner Board of Standards, as well as the Certified Trust and Financial Advisor designation from the Institute of Certified Bankers.

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Grady L.M. George, JD

Senior Financial Advisor

Office Phone: 603.640.2714

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Grady George joined Ledyard Financial Advisors in April, 2006 and has worked in the wealth management industry since 2001. Grady earned his BA degree from the University of California, Davis and graduated from Vermont Law School in 2000 with a Juris Doctorate.

He has completed programs on Retirement Accounts and Personal Trusts in addition to graduating from the ABA National Trust School at Northwestern University. He has also attended the Cannon Financial Institute and completed an advanced course on Trust Administration in New Hampshire.

Grady is a current or past member of the Montshire Museum of Science, Mystic Seaport Museum, Mystic Aquarium and Institute, National Aquarium in Baltimore, and the New York State Historical Association.

Except for a one-year hiatus, he and his family have lived in the Upper Valley of Vermont since 1996.

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Valerie J. Nevel, Esq.

Senior Financial Advisor

Office Phone: 603.640.2694

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Valerie Nevel joined Ledyard Financial Advisors in September of 1998 and has more than 30 years of experience in taxation, banking and wealth management services. Valerie has worked in the area of taxation for the MA Department of Revenue and Coopers and Lybrand. She was in-house legal counsel to the Trust Division of State Street Bank and Trust Company. Prior to joining Ledyard, Valerie had a legal practice in which she focused on estate planning, taxation, trusts and charitable organizations.

Valerie grew up in the Upper Valley and returned to raise her family here.  She is very involved in the local community, serving on the boards of many local non-profit organizations.  She is currently a member of the Board of Directors for the Upper Valley Humane Society and WISE, a domestic violence organization.

Valerie graduated from Boston University Magna Cum Laude with a Bachelors of Science Degree in Economics in 1986. In 1991, she graduated from Boston College Law School with a Juris Doctor Degree, and in 1992, she graduated from Boston College Carrol School of Management with a degree in Business Administration. Valerie is an active member of the New Hampshire Bar Association and is currently the Immediate Past President of the New Hampshire Estate Planning Council.

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Susan Renaud, CFP®

Senior Financial Advisor

Office Phone: 603.640.2691

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Susan Renaud joined Ledyard Financial Advisors in June of 2015 and has 25 years of finance, operations and consulting experience in New England and Europe. Prior to joining Ledyard, she was an independent CFO consultant working with small businesses. Susan has enjoyed a wide and varied career having previously served as Director of Strategic Integration with Dartmouth-Hitchcock, CFO at King Arthur Flour, Mergers and Acquisitions consultant with PwC London and held various roles at Ben & Jerry’s in Vermont, London and Paris.

Susan holds a Bachelor of Arts degree in Accounting from The University of Texas and is a Sloan Fellow, having completed the Sloan Masters Program at London Business School. She currently serves as Vice Chair of the Board of the Upper Valley Land Trust.
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Susan A. Winchester, ChFC, CRPS

Senior Financial Advisor

Office Phone: 603-790-2729

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Susan Winchester, joined Ledyard Financial Advisors in June of 2020 as a Senior Financial Advisor, with 22 years of experience in personal investment accounts, trust administration, IRAs, compliance and wealth management. Prior to joining Ledyard, she was vice president at WEA Financial Advisors. She began her financial career at Great West Retirement.

Susan received her Bachelor’s Degree from Bridgeport University in Bridgeport CT and her Master’s Degree from Southern New Hampshire University, Manchester, NH.

She received her Chartered Financial Consultant and Chartered Advisor for Senior Living professional designations from American College. Susan also received her Certified Retirement Plan Specialist Designation from College of financial planning.
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Jennifer Fowler

Associate Financial Advisor

Office Phone: 603.640.2696

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Jennifer Fowler joined Ledyard National Bank in June of 2008 as a Customer Service Representative in the Main Street Hanover location. In March of 2009, Jennifer joined Ledyard Financial Advisors as an Account Administrator working with many of Ledyard’s Financial Advisors in the Maple Street Hanover location and was promoted to Associate Financial Advisor in April of 2018. Prior to joining Ledyard, Jennifer worked for Wells River Savings Bank as a Customer Service Representative and IRA Manager.

Jennifer received her Bachelor of Science degree in Business Administration with a minor in Marketing and Advertising from Lyndon State College. She has also completed the Cannon Financial Institutes Trust Fundamentals Trust I course.
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Victoria L. Peiffer

Associate Financial Advisor

Office Phone: 603.526.5620

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Victoria joined Ledyard Financial Advisors in September of 2001 in its Hanover location, where she held various positions including Office Manager and Marketing Coordinator until 2009. From 2009 through 2013, she was an Assistant Director in the Office of Gift Planning for Dartmouth-Hitchcock and the Geisel School of Medicine at Dartmouth. In February of 2013, she returned to Ledyard Financial Advisors in the New London location as an Administrative Associate and was promoted to Associate Financial Advisor in 2017.

Vicki received her Bachelor of Arts degree from the University of Massachusetts at Amherst. She also completed Cannon Financial Institute’s Trust Fundamentals, Trust I and Trust II courses.
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