FINANCIAL MATTERS: Finding the right financial advisor

by Lance Gilman

With so many people marketing themselves to the public as financial advisors, it is clear why some consumers are confused about who to select, and more importantly, why to select a certain person or firm. In this month’s column, I’m sharing thirteen questions you should ask any person you are considering as a potential financial advisor.

If you already have a financial services professional, use the following as a quiz to see how well you know your advisor.

  • Are you a fiduciary?
  • What are all of the services that your firm offers?
  • What are all the costs and fees associated with investing/working with your firm?
  • Specifically, how are you compensated as an advisor?
  • Who does your firm use as a custodian?
  • How long have you been a financial advisor? Please tell me about your experience so far.
  • What is your educational background? Do you have designations or are you credentialed in the financial planning industry?
  • Can you please share a copy of your disclosures with me?
  • How do you communicate with your clients and what is the frequency?
  • What type of access will I have to track my accounts?
  • What is your firm’s investment philosophy?
  • How quickly can I access my money should I need it?
  • What are the most important concepts that you want me to remember about you and your firm?

As always, I hope this helps you and your family to make better financial decisions. See you next month.

Jac M. Arbour, CFP®, ChFC®, President
J.M. Arbour Wealth Management
77 Water Street | Hallowell, ME 04347
phone: 207-248-6767 | cell: 207-431-3376 | fax: 207-620-7264
www.jmarbour.com
www.facebook.com/jmawealth

Trivia Question:

What is the maximum Social Security wage limit for 2018? A. 108,750 B. 128,700, C. 132,570, or D. 142,250?

Answer can be found here.

Obituaries, Week of September 6, 2018

ROBERTA B. CAMERA

FAIRFIELD – Roberta Camera, 59, of Fairfield, died Dec. 11, 2017, at home from complications of a brain aneurysm and pancreatic cancer. She was born in Connecticut, the daughter of Robert and Jane (McCourt) House, and granddaughter of Philip and Frances McCourt and Robert and Glenora House.

Roberta spent her life caring most and foremost to family. She was a CNA for the elderly. For the past 23 years she devoted her life at home, caring for two physically disabled women, keeping them safe, happy and loved.

She is survived by her husband of 38 years, Robert Camera Sr.; her grandmother Frances McCourt; daughters Marie Bellows and husband Edward, Amanda Douglass and husband William; stepson Robert Camera Jr. and wife Susan; stepdaughter Dawn Camera; 24 grandchildren; and six great-grandchildren; siblings Kirk House, Cindy Haley, and Kim Cameron.

DOROTHY A. BELANGER

FAIRFIELD – Dorothy Alice (Gwazdosky) Belanger passed away Wed­nesday August 15, 2018, at her home in Fairfield. She was born in Winslow on either January 30 or January 31, 1926. The ongoing debate over which day stems from the desire to have a different birthday than her twin, Doris. (Neither of whom ‘came over on the boat’ regardless of what they told you.) They were two of the 10 children born to Russian and Polish immigrants, Stephen and Olga (Kachnovich) Gwazdosky.

Dorothy graduated from Winslow High School in 1945, where her yearbook recognizes she and Doris’ penchant for confusing their teachers by trading places. Dorothy and Doris moved to Washington, DC, later that year to work as clerks for the federal government. Together they stood in front of the White House with thousands of others following the announcement that Japan had surrendered.

Dorothy moved back to Maine, met, fell in love with, and married Harold Belanger in 1951. The Winslow Black Raider had fallen for a Lawrence Bulldog who would not stray far from home. Dorothy and Harold raised five children and two businesses in Fairfield. They trademarked “Belanger’s Famous Tortiere Pies” in 1951. The pies were originally sold at Belanger’s Market which was run by Harold and his brother, Fred. Dorothy and Harold ran Belanger’s Drive-In and Dairy Bar from 1974 until their retirement in 1986. Not content to retire, Dorothy worked for several more years at Sounds Easy Video where she was once recognized as Employee of the Year. Dorothy also enjoyed participating in her Monday night bowling league winning several titles in the early 1990s.

Dorothy was predeceased her husband, Harold; her parents; six brothers, Nicolas, Alec, Joseph, William, Julius and John Gwazdosky, and three sisters, Doris Gwazdosky DeAngelis, Nellie McMahon and Luba Gwazdosky.

Dorothy is survived by her five children, Diane Veilleux, of Fairfield, Beckie Seeley and her husband Calvin, of Winslow, Linda Brown and her husband Gordon, of Rome, Russell Belanger and his wife Tina, of Fairfield, and Ruth Leigh and her husband Randy, of Fairfield; six grandchildren, Jenny Boyden and her husband Matt, of Clinton, Amy Foss and her husband Gerald, of Winslow, Tracy Leigh, of Windsor, Chelsea Brown, of Rochester, New York, Chace Belanger, of Portland, and Paige Belanger, of Fairfield; three great-grandchildren, Storer and Jillian Boyden, of Clinton and Cassidy Foss, of Winslow; and many nieces and nephews.

An online guestbook may be signed, and memories shared at www.lawrybrothers.com

Arrangements are by Lawry Brothers Funeral & Cremation Care, 107 Main St., Fairfield.

DENISE M. PELLETIER

WINDSOR – Denise M. Pelletier, 59, of Windsor, passed away on Friday, August 10, 2018. Denise was born February 8, 1959, to parents Armand and Bertha Pelletier.

She grew up in Gardiner with eight siblings. She often spoke of helping her mom cook delicious homemade donuts and helping her dad with his horses. She attended Gardiner High School and worked for the State of Maine Bureau of Motor Vehicle. Denise loved dearly her “girls” from work and her close friends who did so much for her while she battled breast cancer for nine years. Denise loved taking trips with her family and significant other. She enjoyed sewing quilts, doing crafts, woodworking, her flower garden, and could do anything she set her mind to.

Denise is described by so many as the strongest woman they will ever know. She was a great mother but also a best friend and confidant to her children. Her most precious love was her eight “grandbabies.”

She was predeceased by her sister, Sheila Jackson; her parents, Bertha and Armand Pelletier; and her grandmother, Alice Cote.

Denise is survived by her four children; Amy French and husband, Chris, with granddaughters, Ryleigh and Norah; Michelle Haskell and husband, Rodney, with granddaughter, Christina, and grandson, Codey; Penny Wilson with granddaughter, Elizabeth Dugas, and grandson, Teddy Walen; a son, Scott Wilson and wife, Deidra, with granddaughter, Mayla, and grandson, Matthew; her significant other, Paul Temple; two sisters, Sandra Lambert, Brenda Owens; five brothers, Norman, Dana, Larry and David Pelletier and Ricky Hume; along with many sisters- and brothers in-law, nieces and nephews.

Flowers, memories, condolences, photos and videos may be shared with the family on the obituary page of our website at
www.staplesfuneralhome.com.

NETTIE M. ALBAIR

OAKLAND – Nettie Mae (Hartsgrove) Albair, 62, passed away on Saturday, August 25, 2018, at Massachusetts General Hospital, in Boston. She was born March 1, 1956, in Hartland, the daughter of Edmund H and Tildy E. (Grondin) Hartsgrove.

She graduated from Skowhegan High School in 1975. On May 17, 1986, she married Ronald Albair, in Skowhegan. She was employed as a ward secretary and medical records clerk at Redington-Fairview General Hospital, in Skowhegan, for over 40 years. She enjoyed reading, camping, and cooking.

Nettie is survived by her husband of 32 years, Ronald Albair, of Oakland; daughter, Sara Borelli and husband James, of Oakland; three brothers, Ronald Hartgrove, of Augusta, Ralph Hartsgrove, of Skowehgan, Allen Hartsgrove, of Norridgewock; three sisters, Diana Demmons and husband Carlton, of Skowhegan, Deborah Trucotte, of Canaan, Brenda Hei and husband Peter, of Waterville; Aunt Regina Hartsgrove, of Norridgewock; sisters-in-law, Constance Hartsgrove, of Oakland, Martha Hartsgrove, of Canaan, Deborah Albai,r of Newport, Trudy Albair, of Oakland; brother-in-law, Levi Albair, Jr. and wife Lorraine, of Corinna, Bruce Albair, of Oakland; Aunt Ina Hartsgrove, of Corinna; many nieces and nephews.

She was predeceased by her parents, Tildy and Edmund Hartsgrove; mother and father-in-law, Levi and Mona Albair; sisters, Norma Libby, Joan Cayford, Linda Robinson; brothers, Edmund Hartsgrove, Jr., George Hartsgrove, Terry Hartsgrove, and Larry Hartsgrove.

In lieu of flowers, friends wishing may make donations in Nettie’s memory to the American Heart Association, Maine Affiliate, 51 US Route 1, Suite M, Scarborough, Maine 04074.

Arrangements under the direction and care of Dan & Scott’s Cremation & Funeral Service, 445 Waterville Road, Skowhegan, Maine 04976.

RAYMOND J. MORRISSETTE

SOUTH CHINA – Raymond J. Morrissette, 91, of South China, passed away on Tuesday, August 28, 2018, at Togus Springs Hospice Unit at VA Maine Health Care System, at Togus, following an extended illness. He was born in Augusta on June 20, 1927, the son of Ernest Morrissette and Maria (Jacques) Morrissette.

He left an indelible mark for his children to follow in his footsteps to be good American citizens, fine and honest human beings, imparting work ethics for all to live successful and accomplished lives.

Prior to his retirement, he distinguished himself as a hard working contractor/builder by trade, notably building 37 houses (without the assistance of pneumatic tools nor the convenience of a delivery from a cement truck) in the Augusta area. When building became less than profitable, he turned to farming, building his first 15,000 square foot hen house in the late ‘50s on Church Hill Road; and, when this wasn’t large enough in which to make his living and raise his family, he built a 24,000 square foot hen house and a three bedroom cape on Spring Road, raising 32,000 chickens, beef cattle and other farm animals. He experienced many hardships, i.e., losing his farmhouse and barn to a fire in 1958, and yet again by fire, another hen house in 1980 on the Spring Road, facing each devastating loss with resolve, an enduring spirit and with faith guiding his way.

He was very proud to have served honorably in the Army Air Corps during World War II. He married the love of his life when he returned, in 1947, to Germaine (Poulin) Morrissette, and was immediately and lovingly embroiled in her 16 siblings and their spouses. They were married for 60 years before she passed in 2007. Together they shared a loving and companionable life, raised four children and shared a mutual love of fishing. Many remark fondly on how, in the 1950s, Dad hitching up his team of work horses (Dick and Goldie), tapping over 75 sugar maple trees, making the most delicious thick, deep amber maple syrup in his Sugar Shack.

He was a member of the American Legion Post #205, and a former member of the Calumet Club.

Surviving are two daughters, Louise S. Bean and her husband Bill of Augusta, Marie L. Keys and her husband Russ of Tijeras, N.M., two sons, Philip R Morrissette, and Anthony R. Morrissette and his spouse Beryl of Augusta; eight grandchildren; and 12 great-grandchildren. He leaves behind a special cousin; and many beloved nieces and nephews. He was predeceased by a brother, Wilfred Morrissette and his wife Yvette, two sisters, Simone Michaud and her husband Jerry, and Jeannette Dowling and her husband Jak.
There are no public visiting hours scheduled. A Memorial Mass of Christian Burial will be celebrated 11:30 a.m. on Thursday Sept. 6, 2018 at St. Augustine Catholic Church, Augusta. Committal with military honors will follow in the chapel at Maine Veterans Memorial Cemetery, 163 Mt. Vernon, Rd., Augusta.

Arrangements have been entrusted to Plummer Funeral Home, 16 Pleasant St., Augusta. Condolences, stories and photos may be shared at www.plummerfh.com.

AREA NOTABLE

EARL R. RANCOURT, 85, of Waterville, passed away on Tuesday, August 21, 2018. He was born in Waterville on January 29, 1933, one of seven children of Evelyn (Mathieu) and E. Albert Rancourt. He was educated in local schools and graduated from Waterville High School. Earl was Treasurer/Manager of the Notre Dame Federal Credit Union, in Waterville, serving in many leadership positions. Locally, he is survived by his wife of 63 years, Annette (Giguere) Rancourt; his son, Gerry Rancourt and his wife, Karen and their children: Ryan Rancourt, John Rancourt, Todd Rancourt and his wife, Jenn, Jill Merckens and her husband, Jefferey; his daughter, Denise LaFrance and her husband, Dan and their children: Crystal Colello and her husband, Josh, Jeff LaFrance and his fiancé, Amber Costigan, Kelley LaFrance and her companion, Drew Glasheen; six great-grandchildren: Rylee, Bridgette and Alex Rancourt, Owen and Olivia Colello, Rory Costigan; one brother, David Rancourt and his wife, Pat; three sisters, Joyce Purnell and her husband, Francis, Arlene Jones and her husband, Gordon, Celeste Harris and her husband, David, his sister-in-law, Muriel Rancourt, his brother-in-law Robert Lachance, as well as quite a few nieces and nephews. Earl was predeceased by his brother, Carl Rancourt and his sister, Shirley Lachance.

LOCAL TIES:
JOSEPH H. VEILLEUX

Joseph Veilleux, 68, of Oceanside, California, passed away at home on Monday, July 23, 2018. Joe was born on April 26, 1950, in Waterville, to Edward and Anna (Hebert) Veilleux.

Joe married Karen Zitka in 1972, in Kittery. He retired in 1998 as a Master Gunnery Sergeant after serving 29-1/2 years in the U.S. Marine Corps, and then worked as a Broker Associate/Realtor until his death.

Joe is survived by his wife Karen, his daughter Rhonda Veilleux and grandson Vincent, of Nantucket , Massachusetts; sisters Alice Lachance and husband Pearley, of Winslow, Theresa Lankford and husband Winfred, of Melfa, Virginia, and Julie Northrop, of Florida; brother, Edward Veilleux and wife Idella Veilleux, of Windsor Lock, Connecticut.

Kennebec Historical Society’s September public presentation: “Maine in World War I”

With the same patriotic fervor as Maine’s response to a call for troops in the Civil War, more than 35,000 men and women across the state joined the armed forces in 1917-18 to fight in aid of America’s European allies against the Germans as well as to redress German destruction of American vessels in the North Atlantic. Mainers also provided vital support to the United States and the Allies through war-related industries, like shipbuilding, munitions, textiles, and agriculture, while purchasing more than $100 million in war bonds and donating bandages, books, and other comforts of home to the troops. This illustrated lecture presents many newly discovered historic photographs, including real photo post cards of the period, to tell the story of recruitment, bond drives, shipbuilding, war-related industries, and knitting socks for the soldiers. This chapter in Maine’s past comes alive in these century old pictures.

A native of Portland, Earle G. Shettleworth, Jr., attended Deering High School, Colby College, in Waterville, and Boston University, and was the recipient of honorary doctorates from Bowdoin College, in Brunswick, and the Maine College of Art. At the age of 13, Shettleworth became interested in historic preservation through the destruction of Portland’s Union Station in 1961. In 1971 he was appointed by Governor Curtis to serve on the first board of the Maine Historic Preservation Commission, for which he became architectural historian in 1973 and director in 1976. He retired from that position in 2015. Mr. Shettleworth has lectured and written extensively on Maine history and architecture and served as State Historian since 2004.

The Kennebec Historical Society September Presentation is free to the public (donations gladly accepted). The presentation will take place on Wednesday, September 19, at 6:30 p.m., at the South Parish Congregational Church, located at 9 Church Street, in Augusta. The program will be preceded at 4:30 p.m. by a potluck supper and at 6 p.m. by the society’s annual meeting and election of officers and directors

Three arrested in China car burglaries

From right-to-left, Manuel O’Shea, Ashlee Suzor, Willie Golston

State Police charged three people from Massachusetts in connection with a number of car burglaries off the Neck Road, in China, over the weekend. Taken from the vehicles were a credit card, change and sunglasses. At least six vehicles, all unlocked, were entered late Saturday night and early Sunday morning along fire roads 15, 16 and 17.

Arrested Sunday were Manuel O’Shea, 25, of Methuen, Willie Golston, 21, of South Boston, and 25-year-old Ashlee Suzor, of Methuen. All were taken to the Kennebec County Jail, in Augusta.

O’Shea is charged with burglary, forgery and theft. Suzor was charged with forgery and Golston was charged with conspiracy. Troopers found the group had used the stolen credit card at the China Dinah and at the Circle K store, both in China. The trio was in the area over the weekend visiting a friend, who was not identified

Erskine announces calendar change 2018

(photo credit: Erskine Academy)

Parents and students should be advised that Friday, September 14, will now be a teacher and staff workshop day with an early dismissal for all Erskine Academy students. Students will be dismissed at 11:30 a.m. Please contact the school with any questions.

Notice of Webber Pond draw down

Webber Pond

Photo courtesy of Frank Richards, president of Webber Pond Association.

Frank Richards, president of the Webber Pond Association, has announced that as a result of the unanimous vote at the Webber Pond Association annual meeting on August 18, the 2018 drawdown is set to begin on Monday, September 17, at 8 a.m.

“It is advised to pull docks and boats on the weekend of September 15-16. The pool may go down faster than usual because of the drought conditions,” said Richards

Vassalboro planners approve lone applicant

by Mary Grow

Vassalboro Planning Board members took about 10 minutes to approve the only application on their Sept. 4 agenda, commend the applicant for well-done paperwork and congratulate themselves on a record short meeting.

David Tyrol has permission to tear down a two-story barn in the shoreland zone on his Dore Road property and use the material to build a one-story barn. The present barn, which Tyrol said is leaning enough so he fears it will collapse, is 24-by-24 feet and about 120 feet from Seven Mile Stream. The new one will be 24-by-36 feet and about 224 feet from the stream.

Tyrol plans a pole barn on concrete footings with a crushed-stone floor, to be used for storage. He does not intend to install plumbing or electricity or create a new driveway, he said.

SOLON & BEYOND: Apologies for a short column this week

Marilyn Rogers-Bull & Percyby Marilyn Rogers-Bull & Percy
grams29@tds.net
Solon, Maine 04979

Good morning, dear friends. Don’t worry, be happy!

The next supper at the Embden Community Center will be September 8, at 5 p.m. This is a really fun supper to attend, and with great food also, I think you would enjoy it.

The Embden Thrift Shop will be closed for cleaning and seasonal turn­over from Sep­tember 5 to September 11. They will re-open on Wed­nesday, Sep­tember 12.

One day this week when I was talking with a friend that I don’t see very often, (he has been driving a big truck for years.) I asked him if he had kept track of all the states he had passed through. He said it is quite different on the roads these days, with so much more traffic. He said he doesn’t worry about himself, but so many of the other drivers are involved with their phones and not paying attention, and he does worry about them.

My apologies for such a short column this week. Lief received sad news that one of his nephews had been killed in a motorcycle accident. He was only 28 years old. Very disturbing.

Percy’s memoir is entitled: The Gift of Living in a Way That is Rewarding to You: One of the secrets of happiness is to take time to accomplish what you have to do, then to make time to achieve what you want to do.

Remember that life is short. Its golden moments need hopes and memories and dreams. When it seems like those things are lost in the shuffle, you owe it to yourself to find them again. The days are too precious to let them slip away. If you’re working too hard, make sure it’s because it’s a sacrifice for a time when you’re going to pay yourself back with something more important than money could ever be. If you’re losing the battle do what it takes to win the war over who is in control of your destiny. Find time, make time, take time… to love, to smile, to do something rewarding and deeply personal and completely worthwhile. Time is your fortune, and you can spend it to bring more joy to yourself and to others your whole life through. Time is your treasure. And instead of working so hard for it, do what it takes to make it work… for you. (words by Douglas Pagels. I used these words back on September 4, 2008.)

Marie Deeb invested to Order of St. Gregory

Marie Fefa Deeb, center, of Waterville, is bestowed into the Order of St. Gregory the Great by Maronite Bishop Gregory, bishop of the Archdiocese of Brooklyn. (Contributed photo)

Dame Marie Fefa Deeb, of St. Joseph Maronite Church, in Waterville, was recently invested into the Order of St. Gregory the Great by Maronite Bishop Gregory of the Archdiocese of Brooklyn. This Papal Honor was bestowed upon the nomination of the Apostolic See. The order of St. Gregory the Great is one of five Pontifical Orders of Knighthood in the Catholic Church. It is bestowed on Catholic men and women in recognition of their service to the church, their community and country. A celebratory luncheon will be held on Sun., Sept. 16, following the 10 a.m. Liturgy at St. Joseph Parish Hall, 3 Appleton St., Waterville.

Road Warriors

Tom Lefferts (left) and Richard Dillenbeck (right)

China native and currently summer resident Richard Dillenbeck, has been spearheading an effort to clean up the roadside along Lakeview Drive, in China, along with side roads.

He and Tom Lefferts, Killdeer Point resident, were out along the road on August 26, picking up trash. Dillenbeck also wants to recognize and thank all who are already picking up trash in front of their respective homes. This will allow the volunteer teams to focus on the areas in between where most of the litter is tossed. He is still recruiting teams of people who are interested in helping where they can focus on the open distances between where most of the litter is found. His goal is to have teams on most of the roads in China.

Teams will be heading out again on Saturday, September 15. Those interested in taking part in the project can reach Dillenbeck at 445-8345. Also, with adult supervision, the school has offered to support the program along school property.

Photo by Roland Hallee