Getting to Know Gateway Retirement Solutions

Andrew Hayward

INSURANCE AGENT

Andrew Hayward is a Licensed Insurance agent. Andrew joined Gateway Retirement Solutions in 2021. He has also 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 Bachelor's 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 where he still resides with his wife and two daughters. When not working with clients, Andrew loves to travel with his wife and family and spend as much time outdoors as possible. Playing golf, fly fishing, hunting, snowboarding and hiking are some of Andrew's hobbies.  

EMAIL: ahayward@gatewayrs.com

DIRECT LINE: 802-236-4156

Christopher Cappuccilli

INSURANCE AGENT

Christopher grew up in Syracuse, NY and graduated from St. Leo University with his Bachelors in Sports Business Management. He found his way up to New Hampshire where he developed a passion for helping people recover from mental health and substance abuse.  After spending 8 years in the recovery field, he turned his passion to assisting others with the process of retirement. 

 During Chris’ spare time, he enjoys spending time with his family, golfing and traveling.

EMAIL: ccappuccilli@gatewayrs.com

DIRECT LINE: 315-657-8469

DeQuan Frost

INSURANCE AGENT

DeQuan Frost is an independent broker with Gateway Retirement Solutions. He helps individuals daily with their retirement benefits and health insurance options while guiding them to ensure their needs are met. 

Before his career began at Gateway, he grew up in Smithfield, Maine, graduated from Skowhegan Area High School, and then attended the University of Maine at Farmington.

DeQuan takes pride in helping individuals, problem-solving, and planning for those he crosses paths with.

EMAIL: dfrost@gatewayrs.com

DIRECT LINE: 207-779-6419

Ellyn Robare

INSURANCE AGENT

Ellyn was born and raised in a small city in western MA and appreciates the joys that simplicity can bring. Her passion for helping and caring for others has always been a part of her. Ellyn's passion for insurance, specifically health and life, came from her undergraduate studies at UMASS Amherst where she graduated with a BS in Public Health. Being able to help clients plan and improve so many areas of their retirement is something she finds immense pride in. Ellyn is licensed in ME, NH and MA and is excited to continue expanding. 

When not working, Ellyn enjoys time with her fiance, Dan, and their 15 year old dog, Noodle. She cherishes time with her nephew, Grant and niece, Grace. Afterall, they are the reason she moved to Maine.

EMAIL: erobare@gatewayrs.com

DIRECT LINE: 207-956-3887

Ann Ricker

INSURANCE AGENT

EMAIL: aricker@gatewayrs.com

DIRECT LINE:978-996-0531

Scott Vlcek

INSURANCE AGENT

EMAIL: svlcek@gatewayrs.com

DIRECT LINE: 207-475-8482

Benjamin Smith-Trevail

INSURANCE AGENT

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. He 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 children. He also enjoys fishing, hunting, traveling, skiing, and cooking.  

EMAIL: bsmithtrevail@gatewayrs.com

DIRECT LINE: 802-999-9691

Brooks Johnson

Sales Manager

Insurance Agent

Brooks is a Unit Sales Manager and Licensed Insurance Agent in our Augusta, Maine office.  He joined the Gateway team in 2016 but has been serving his community of retirees by helping them create retirement solutions for many 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.    

EMAIL: bjohnson@gatewayrs.com

DIRECT LINE: 207-740-8164

Candace Arnold, Insurance Agent

Phone: 317-378-2022

E-mail: carnold@gatewayrs.com

*Candace is not affiliated with Lincoln Investment or Capital Analysts.

David Courchene

Insurance Agent

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 since 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.

EMAIL: dcourchene@gatewayrs.com

DIRECT LINE: 603-765-8446

David Weaver

INSURANCE AGENT

EMAIL: dweaver@gatewayrs.com

DIRECT LINE: 727-744-4770

Elizabeth Meader

INSURANCE AGENT, Sales manager, RSSA®

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.

After becoming licensed for Life, Health, Property & Casualty, she continued pursuing her education and became a Registered Social Security Analysis® . This specialization makes her qualified to help you in your journey to retiring confidently. 

She is licensed in 16 states and counting. er favorite part of this career is finding the specific solution that works best for each client and she loves a challenge, so no matter how unique your circumstances are she looks forward to helping you. 

EMAIL: emeader@gatewayrs.com

DIRECT LINE: 603-842-2543

Garrett Young

Sales Manager

Insurance agent

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.

EMAIL: gyoung@gatewayrs.com

DIRECT LINE: 207-320-0016

Isaac Witham

INSURANCE AGENT

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.

EMAIL: iwitham@gatewayrs.com

DIRECT LINE: 207-509-6329

Jennifer Kehr

Insurance Agent

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.

EMAIL: jkehr@gatewayrs.com

DIRECT LINE: 603-491-2155

*Not affiliated with The Lincoln Investment Companies.

Jessica Cole

Insurance Agent

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.

EMAIL: jcole@gatewayrs.com

DIRECT LINE: 207-877-4505

*Not affiliated with The Lincoln Investment Companies.

Joseph Saucier

Insurance Agent

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.

EMAIL: jsaucier@gatewayrs.com

DIRECT LINE: 603-505-7826

Kathleen Chicoine

Insurance Agent

Kathleen has been helping people with their insurance needs since 2005, and with Gateway Retirement Solutions since 2017.  In those 18+ 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 homes 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.

EMAIL: kchicoine@gatewayrs.com

DIRECT LINE: 207-233-9274

Ron Pollard

Sales Manager

Insurance Agent

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 35 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.

EMAIL: rpollard@gatewayrs.com

DIRECT LINE: 828-707-8626

Sean Kelley

Sales Manager

Insurance Agent

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.

EMAIL: skelley@gatewayrs.com

DIRECT LINE: 603-494-4606

*Not affiliated with The Lincoln Investment Companies.

Terry A Witham 

Insurance Agent 

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. 

EMAIL: twitham@gatewayrs.com

DIRECT LINE: 207-509-1412

Tyler Kretschmar

INSURANCE AGENT

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.

EMAIL: tkretschmar@gatewayrs.com

DIRECT LINE: 603-817-4252

William Dubois, Insurance Agent

Phone: 207-221-6229

Fax: 207-248-6640

Mobile Phone: 207-754-1245

E-mail: wdubois@gatewayrs.com