*Insurance Agents are not affiliated with The Lincoln Investment Companies
Andrew Hayward is a Licensed Insurance agent. Andrew joined Gateway Retirement Solutions in 2021, but has been working with retirees and clients since 2007. Andrew enjoys helping his clients work through the process of retirement, and helping choose the right options that work best for each client. Andrew is licensed in New York, Vermont, and New Hampshire.
Andrew graduated from Castleton University with a Bachelors Degree in Athletic Training and a minor in Health. After college Andrew worked for Killington/Pico as a heath club manager from 1999 to 2007.
Andrew was born and raised in Rutland, Vermont were he still resides with his wife of 21 years and two daughters. When not working with clients Andrew loves to travel with his wife and family and spend as much time in the outdoors as possible, playing golf, fly fishing, hunting, snowboarding and hiking.
Bayard is a lifelong resident of New Hampshire and started his career in the insurance industry in 2005. He enjoys building long term relationships with his clients. He makes sure to review their coverage annually so he can provide proper solutions to their changing needs and keep them up to date with changes in the industry. Being available to them throughout the year if they have a question or concern and may need to contact a carrier is also important to him. Bayard always tells his clients to call him first. He’ll work with his clients to get answers to their questions and help explain them in plain English. Alleviating stress for a client is the most rewarding part of his job.
After working for another insurance agency that did not allow him to contract with multiple companies for over 10 years, he decided he had to make a change for the benefit of his clients and joined Gateway in 2016.
"The days of choosing a policy and staying with it forever are gone" he says "there are just too many variables, age, medications, and provider networks just to name a few. Being at Gateway allows me to shop multiple carriers so I can find a plan that fits."
Bayard grew up in Hancock New Hampshire and worked for the family Landscaping business until he was done with school. After obtaining a degree in marketing from NHTI in Concord, he decided to move to the lakes region. Fishing has always been a passion for him and when he joined a club and started competing in tournaments he was "hooked." Billiards is another interest that is more than just a hobby for him, he plays in tournaments and leagues which is where he met his wife, Diana. They married in 2018 and welcomed their first child Luke into the world in March of 2020, although their dog Maddie may claim to be their first child. Bayard is Licensed for health and life insurance in New Hampshire and Maine.
Ben grew up in northern Vermont. After graduating high school in 2002, Ben enlisted in the United States Air Force, where he spent several years active duty and has spent the last nine years in the National Guard, with his retirement planned for 2022 from the United States Air Force.
In 2021 Ben earned his degree in Business Administration with a focus in Marketing from Southern New Hampshire University.
Ben’s primary focus is helping people and has a strong passion for assisting fellow veterans. He strives to ensure that his clients and potential clients are protected with quality health insurance and a secure financial future. He holds a New Hampshire and Vermont Insurance License for Life, Health & Accident. His favorite part of working at Gateway Retirement Solutions is helping clients achieve a safer and more affordable future. In his free time he enjoys spending time with his wife Ashley and his daughter Delaney, as well as fishing, hunting, traveling, skiing, and cooking.
Brooks Johnson is a Unit Sales Manager and Licensed Insurance Agent in our Augusta, Maine office. He joined the Gateway team back in 2016 but has been serving his community of retirees with and helping them create retirement solutions for the past 8 years. Brooks previously had a career in hospitality working as a General Manager for Ocean Properties and Marriott. He has a true spirit to serve and believes that knowledge is power. By explaining options in a clear, concise fashion, he empowers his clients to select the solutions that will work hand in hand with their wants, needs and budget. He prides himself on developing long-lasting working relationships with his clients, so that he can serve their needs as well as the needs of friends and family. As Brooks always says, "If they're important to you, then they're important to me."
Brooks was born and raised in Waterville, Maine and currently resides in the Androscoggin area with his wife of ten years and son, Christopher. He attended Franklin Pierce College and graduated in 2003 with a Business Management degree. In his spare time, Brooks is a fun-loving guy who enjoys playing golf, traveling with his family, attending New England sporting events and coaching his son Christopher in little league.
*Candace is not affiliated with Lincoln Investment or Capital Analysts.
David was born and raised in New Hampshire and has a large network of friends and family that are retired and need his expertise. This great service has led David to expand his circle with referrals of new friends and family.
David’s motto is: “You can never have enough friends and family”.
David has over six years of experience in the insurance industry and is one of the founding agents of Gateway Retirement Solutions in 2015. He holds his life and health Insurance licenses in NH, MA, ME, and FL. David uses a comprehensive, informative approach when helping clients navigate into and through their retirement years. David understands the importance of listening to his client's needs and concerns. Once he has completed a comprehensive needs analysis, he, with the help of a team of insurance specialists, financial advisors, elder law attorneys and accountants, will help design a personalized plan and make recommendations to help his clients meet their goals.
David and his father previously owned and operated Al's Seafood in North Hampton, NH, a very successful seafood restaurant and retail seafood market for twenty years.
Elizabeth grew up on her family’s farm in Rochester, NH. She enjoyed riding horses and working around the farm, which rewarded her with a work ethic that she is grateful for today. Elizabeth graduated from Southern New Hampshire University in 2017 with a bachelor’s in forensic psychology. While attending SNHU she worked in the Student Financial Services office. This is where she discovered her passion for helping people understand their specific financial situations, while also helping them work towards a steady financial future.
She carries her New Hampshire and Maine Insurance licenses for both Life & Health, and Property & Casualty. Her favorite part of this career is finding the unique solution that works best for each client.
Garrett enjoys working with people of all ages in pre and post retirement planning. Working with clients to find the most affordable and appropriate plan for themselves, whether it be a group plan, medicare, or private insurance, he looks at all options available. Making sure families are protected with the proper life insurance plan for the goals of the family and individuals. Garrett also makes sure that retirement accounts are meeting the needs of each person he works with.
Garrett joined Gateway Retirement Solutions in 2015, as one of the founding insurance agents. Currently, he spends his days sitting down with clients and reviewing what they may currently have in place or need to put in place, right in the comfort of their homes. He spends days in the office running trainings for new agents and going over new products that have become available to ensure his team is providing their clients with the most up to date and accurate information.
As a graduate from the University of Maine Orono, Garrett started as a teacher, before transitioning into a career with insurance. He has a bachelor's in kinesiology and physical education. He holds his life and health insurances licenses in Maine and New Hampshire.
Garrett resides in Livermore, Maine where he spends time outdoors on the water or in the woods. Much of his summer weekends are spent at his camp on Aziscohos Lake.
Gavin wants to make a difference in his community and improve the quality of life for others.
Gavin makes sure his clients understand exactly what their rights and options are with medicare, preventing financial hardships due to the uncertainty of the future, and being an agent that clients can rely in hard times.
Gavin graduated from Edward Little High School and has done various labor-intensive jobs, prior to joining Gateway Retirement Solutions in 2018.
Gavin has is Life and Health Insurance License in Maine
In his spare time, Gavin likes to travel and learn more about the world. He stays active by hiking, skateboarding, and snowboarding. He spends most of my time with his girlfriend, their two cats, and assorted reptiles. Together, they enjoy cooking new foods, watching movies, and playing board games.
Isaac graduated from the University of Maine at Farmington with a degree in Business Economics. During his time at the University he was able to play basketball for four years and in doing so, accomplished the thousand point milestone.
Working on a family farm during the summers, along with his athletic career, Isaac has planned to use the same principles such as work ethic and discipline to drive his career at Gateway.
Jane enjoys using different products and concepts to explain to clients how to protect their assets and plan for the future. She does this with daily interactions, including taking the time to understand client’s needs, explaining products and how they can help the client meet their goals and implementing different strategies for their insurance and financial needs.
Jane has a BA in Business Administration, and a background in small business management and accounting, with over 20 years sales experience.
Jane has been with Gateway Retirement Solutions since 2018 and is a licensed insurance agent in New Hampshire and Maine.
In her spare time, Jane enjoys sports, being outside, gardening and spending time with her pets.
Jennifer is passionate about helping others and has always wanted to ‘make a difference’ in this world. She is constantly being reminded that she is doing just that with the gratitude that is expressed to her by her clients and their families. She feels very fortunate to have a career that affords her the opportunity to help so many people and often, at pivotal times in their lives. Her belief has always been, that as an Insurance Agent, your primary focus should be to educate prospective clients and existing clients so that they can make a well informed decision; therefore, she takes whatever amount of time is necessary to make sure they understand the insurance solutions available to them. Providing her clients with a high level of service is very important to her. Jennifer’s goal is to not only meet their expectations but to exceed them and to be there for them whenever they need her help or assistance.
Her duties can vary from day to day; such as scheduling appointments, meeting with clients/prospective clients, answering client’s questions, helping to resolve claims, following up on applications submitted, continuing her education on new companies and the products they offer and researching new ways to help her clients. She interacts with both clients and prospective clients daily whether by a phone call, email, face to face meeting or video conference.
Jennifer has an Associate’s Degree in Business Management from New Hampshire College (now Southern NH University). After graduating, she was employed at Chubb LifeAmerica/Jefferson Pilot (now Lincoln Financial) and worked there for over 17 years. She held a variety of positions over that time period, which included: Policy Change Specialist, Team Leader, Trainer and Business Analyst. She left the Insurance Industry for 7 years and during that time she worked at a Software Company and managed a Day Spa. In 2006 she went back into the Insurance Industry, but this time as a Licensed Insurance Agent with Bankers Life & Casualty, and then joined Gateway Retirement Solutions in 2016.
She has two grown children who now have families of their own. When Jennifer isn’t working, she enjoys spending time with family & friends, reading a good book, hiking, or exploring her life-long interest in decorating and upcycling/refinishing furniture. But above all else you will most likely find her spending precious time with her four grandchildren.
Jennifer Kehr is a Licensed Insurance Agent in State of New Hampshire and the State of Maine for Life, Accident & Health or Sickness.
*Not affiliated with The Lincoln Investment Companies.
Jessica is passionate about helping people. Through insurance planning, she can help people understand and plan for their retirement. This is the stage we all work towards our whole life and once it is reached people feel confused and overwhelmed by all the different options and information. She prides herself in being able to simplify the process, which results in a peace of mind for my clients. By being able to offer products through countless companies she can be sure that what she is recommending is in the best interest of the client and their retirement needs and goals.
Jessica meets with clients in their home and in the office and is able to answer questions that may arise throughout the process. She also makes herself available to client’s friends or families to help them. Jessica treats her clients like family and prides herself in the quality of her work.
Jessica is currently attending UMA for her Health and Human Services bachelor’s degree. Prior to joining Gateway Retirement Solutions in 2018, Jessica had worked at Bankers Life & Casualty, Combined Insurance, Time Warner Cable, and at Central Maine Toyota.
Jessica holds a life and health insurance license in ME and FL.
In her spare time, Jessica loves the outdoors, especially camping, kayaking, snowmobiling, hiking, and traveling. She enjoys painting, drawing, reading, and writing. She also loves spending time with her children, going on adventures and relaxing.
Jon appreciates the diverse array of the companies and plans he represents as part of the Gateway Retirement Solutions team. This diversity enables Jon to tailor a retirement plan to fit each client’s specific and unique needs.
Jon was a funeral Director for over 15 years before embarking on a career in the Insurance industry. Jon also served as a Medic and Training NCO in the United States Army.
Jon holds his Life and Health Insurance licenses in Vermont, New Hampshire, and New York.
Jon resides in Sunderland, Vermont with his wife Heidi and their two sons, William and Benjamin. He is an avid reader as well as a sports and outdoor enthusiast.
Joseph is passionate about helping families plan for their retirement properly, by providing education on their options and helping them find the best plans available that best meet their needs and achieve their retirement goals.
Joseph has been working with retirees for 20 years prior to joining Gateway Retirement Solutions in 2019.
Joseph hold his life and health insurance licenses in NH and MA
Joseph loves to service his church and community. Joseph has been a Christian for over 20 years and attends Granite United Church, where he serves on the security team, and his wife has been singing on the worship team for over 10 years. He is an avid supporter of animal rescue leagues. He and his wife also purchase and serve breakfast once a month at Lazarus House to help homeless families enjoy a hot meal.
Joseph and his family love the outdoors and spending time in northern New Hampshire- camping, hiking and exploring. He also coaches and plays for his church softball team.
Joshua loves to help others in any way possible and leave someone in a better position than when he met them. He specializes in all aspects of Medicare planning, Long Term Care, Life Insurance, Annuities, Disability Insurance, Cancer Insurance and Workplace Benefits. This includes helping with pre-and post-Retirement Planning. His top priority is meeting his clients' retirement and insurance needs.
Prior to joining Gateway Retirement Solutions in 2017, Joshua worked with Banker's Life & Casualty, where he was an Insurance agent in Maine for over 4 years. When he and his family moved to Asheville, NC he continued on with Banker’s Life and Casualty where he was both an Agent and Unit Field Trainer for over 5 years.
Joshua has is life and health licenses in Maine, North Carolina, South Carolina, Colorado, Florida, Virginia and West Virginia.
In his spare time, Josh enjoys spending time with his wife, Megan and their four children; ages 4 through 8. He enjoys volunteering in his local community of Hendersonville, NC; as well as getting outside, hiking, biking, playing disc golf, swimming, and camping.
Joshua is passionate about insurance planning as it is a very important aspect of life, yet it seems to the be the area where people spend the least amount of time planning. He wants to ensure his clients are covered for their needs and are able to avoid the pitfalls that poor planning leads to.
Josh interacts with his clients via phone, text messages, emails, video chat and in person. His day-to-day activities include: scheduling meetings with prospective clients, scheduling policy and coverage reviews with his clients, researching policies and coverages for people, developing marketing strategies, handling client service requests, researching new products and companies that come to the market, and continuing to learn through additional coursework.
Josh graduated in 2004 from the University of New England with a degree in Sports Management. Prior to joining Gateway Retirement Solutions in 2015, Josh was an insurance agent and Unit Field Trainer at Bankers Life and Casualty.
Josh holds his Life and Health licenses in Maine, New Hampshire and Florida. Currently he is working towards his Chartered Life Underwriter (CLU) designation and studying for his Property and Casualty license.
Josh is a member of NAIFA (National Association of Insurance and Financial Advisors) and of CAB (Cornish Association of Businesses)
In the summer and fall Josh enjoys kayaking and paddle boarding down the Saco River with his wife Michelle. He loves reading and is challenging himself to read a book a week in 2020. He and his wife enjoy hiking in Maine and New Hampshire and taking in new experiences and vacationing in Costa Rica. Pura Vida!
Kathleen has been helping people with their insurance needs since 2005, and with Gateway Retirement Solutions since 2017. In those 14+ years, she was and is constantly rewarded with the satisfaction and joy growing those relationships and knowing she is making a difference. One of her philosophies is: "Making a Living is the by-product of doing the right thing". She considers herself blessed to have the opportunity to help people be in the best position possible with their retirement needs.
Kathleen reaches out to people, as well as them reaching out to her, to review their personal situation and make sure all their needs are met. She sits down 'at the kitchen table' in people's home to conduct a personal and confidential full analysis.
Kathleen has been in the insurance business since 1972, being employed at 2 major insurance companies. She was the Director of Operations at a non-profit dental agency with 5 clinics in the state of Maine – serving children and low income families.
Kathleen is an independent broker representing many insurance carriers and is licensed in Maine and New Hampshire.
Kathleen is affiliated with and volunteers at the American Legion in Old Orchard Beach and the Wells/Ogunquit Senior Center in Wells, Maine.
In her spare time, Kathleen loves to garden, ride her bike, walk on the beach, host neighborhood parties, and spend time with family.
Patrick graduated from Edward Little in 2010 and went on to earn his Associates degree in Business Administration and Management from Central Maine Community College. While putting himself through college Patrick worked full time at Hannaford’s and after gaining his degree he was promoted to Night Crew Manager. Patrick, along side his father, owns and operates a collectable and memorabilia store in the Auburn mall.
Patrick currently resides in the Androscoggin county area with his Fiancée Felicia. In September they will be getting married and honeymooning in Jamaica. They have known each other for more then 4 years and have two cats Morgan and Moxie. In Patrick’s free time he enjoys relaxing with family and friends and supporting local restaurants and small businesses.
Ron believes strongly in protecting yourself, and your loved ones. He knows that unfortunately most people don’t have a plan in place to do so. Ron enjoys face to face meetings with his clients and treating them as if they were family.
Ron graduated from the University of Maine in 1985 with a degree in Psychology, and a minor in Business. Ron has been in the insurance industry for over 33 years. Prior to joining Gateway Retirement Solutions in 2017, Ron worked for Bankers Life.
Ron holds his life and health licenses in North Carolina, South Carolina, Georgia, and Tennessee.
In his spare time, Ron enjoys sports, reading and traveling. He likes spending time traveling back to Maine to see family, and spend time at his cottage.
Sean graduated from Londonderry High School in 1999 and went on to earn a BS in Marketing from Southern New Hampshire University in 2003. He joined Gateway Retirement Solutions in 2019 as a Unit Sales Manager and Trainer and brought with him a plethora of knowledge and skill in the world of insurance. He is a longtime Licensed Insurance Agent, earning his Life and Health Licenses in 2004 and his Property and Casualty Insurance Licenses in 2019. In his free time, Sean enjoys playing golf, cooking, fishing, spending time with his nieces and nephew and is an avid car enthusiast.
Terry sees her role as an insurance agent as the ability to provide excellent customer service. She likes helping families to find the best and most affordable insurance plan available. As an insurance broker, she has the liberty to represent numerous Insurance companies offered in State of Maine. This assures her clients an array of health care options.
30+ years in the Health and Fitness Industry has provided Terry with excellent customer service skills and interpersonal skills to provide knowledgeable information to help individual’s reach personal goals for healthcare and financial resources.
Terry is the former Membership Director at Champion’s Fitness Club in Waterville, Maine
She was part of an amazing team that helped pass legislation to provide the Silver Sneakers exercise program to the Insurance Industry, and Senior Advisor for Silver Sneakers providing a healthy lifestyle for all seniors. She is a committee member at the Alfond Center in Waterville, Maine, where she helps with the development and design of the new, “Wellness Center”, providing health and fitness that is available to individuals of all ages.
Terry is enthusiastic mother of two and grandmother of one. She believes healthy living is an important part of our lives.
Tyler grew up in Somersworth, New Hampshire. After graduating from Somersworth High School, he went on to earn a bachelor’s degree in Athletic Training from the University of New Hampshire in 2017, as well as a master’s degree in education from Bowling Green State University in 2020.
Tyler’s primary focus is on helping people. He strives to ensure that his clients and potential clients are protected with quality health insurance and a secure financial future. He holds a New Hampshire Insurance License for Life, Health & Accident. His favorite part of working at Gateway Retirement Solutions is helping his clients achieve a safer and more affordable future. In his free time, he enjoys golfing, fishing, running, hunting, and skiing.