Clifford G. Dow, Sr., CFA, CFP®, ChFC
Investment Broker & Chief Investment Officer207.878.1142

207.878.1572
800.578.9017
207.221.1170 fax
[email protected]

Chartered Financial Analyst
Certified Financial Planner™
Chartered Financial Consultant


Clifford Dow is a native of, and grew up in, New England. He graduated in 1957 with a Bachelor’s degree in physics from Harvard College, and in 1960 with a Master of Business Administration degree in finance from the Harvard Business School. He is a Chartered Financial Analyst, a Chartered Financial Consultant, a Certified Financial Planner, and a graduate of the College for Financial Planning.

Clifford started his career in the investment business in 1962 as a securities analyst on Wall Street, and has been in the investment business continuously for over five decades. He is the Chief Investment Officer for Dow Group companies.

For a number of years, as a member of the faculty of the Continuing Education Division of the University of Maine, he taught courses in business management and organization, accounting, business mathematics and statistics, financial management, and policy formulation and administration.

CFP® and Certified Financial Planner™ are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board’s initial and ongoing certification requirements.

Richard P. Benoit
V.P. of Finance & Corporate Development

207.523.8043
800.724.1153 toll free
603.205.2145 cell
207.221.1170 fax
[email protected]

Richard (Rick) Benoit brings to Dow Wealth Management over 20 years of experience as a financial and management professional, including CFO positions with several multinational corporations.

He earned an International MBA from the Thunderbird School of Global Management in 1989, and received his AB from Colgate University in 1984. He passed the Uniform CPA exam, and holds various Securities licenses.

Rick’s business experience includes sales, finance, treasury and investments, strategic planning, currency management, HR benefits administration, and insurance and risk management. He is currently focused on the development of a strong financial advisor team, along with identifying and implementing best practices with regard to web-centric productivity initiatives for the firm.

Rick lives in Rye, New Hampshire.

Clifford G. Dow, Jr.
Financial Advisor

207.878.1575
800.578.9015 toll free
207.221.1170 fax
207.329.9468 cell
[email protected]

Clifford Dow, Jr. attended Colby College and the University of Maine, from which he graduated in 1988 with a Bachelor of Arts degree in economics. He has over 25 years of experience with assisting clients in the securities markets and has been an investment broker since 1989.

Cliff lives in New Gloucester with his family. He is an avid outdoorsman and pilot, maintaining his own aircraft and landing strip (54ME) at his farm.

Avard M. Dow, Jr.
Senior Financial Advisor/Portfolio Manager

207.878.1581
800.578.9901 toll free
[email protected]

Avard Dow, Jr. is a financial advisor and options strategist with over 40 years of investment experience. Avard did his undergraduate studies in psychology and premed at the University of Maine, Orono. He is a graduate of the New York Institute of Finance and the Goethe Institute, Germany. Avard lives in Naples, Maine on Long Lake, where he pursues his interest in gemstone mining and high performance boats.

Gerald A. Guild
Chief Fixed Income Strategist

908.277.4207
[email protected]

Gerry Guild is recognized nationally as an authority on bonds and portfolio strategy. He has been featured in numerous publications, including The New York Times, the Wall Street Journal, Financial World, Money, and Business Week. His TV appearances include Bloomberg, CNBC, CNN, CNNfn, NBC, and Reuters.

A graduate of Brown University with a degree in economics, Gerry began his career on Wall Street in 1961. He served as the Chief Fixed Income Strategist and Director at Advest from 1984 to 2002.

Gerry is a Senior Analyst with the New York Society of Security Analysts covering fixed income analysis, microeconomics, portfolio strategy, and asset allocation. He has served as an Arbitrator for FINRA and the New York Stock Exchange since 1996 is an Adjunct Instructor for Fixed Income Securities at the New York University Finance Law and Taxation School of Continuing and Professional Studies. As well, Gerry is a contributing author for the book, “Expert Financial Planning,” by Robert C. Arffa, M.D. and a Life Member of Fixed Income Analysts Society, Inc.

Kristina Petit
Account Executive

207.523.8044
[email protected]

Kristina Petit is a graduate from the College of William and Mary with a Bachelors of Business Administration in Process Management & Consulting and a double major in Environmental Policy. Kristina oversees all the essential details necessary for the efficient management of client accounts.

As a Maine native away for six years at college and post-graduate time spent in Seattle, Kristina is pleased to be back in the area working for a company with such a rich Maine history.

Kristina, her husband Ryan, and their Boston Terrier Ernie reside in Scarborough, Maine.

Eric Lusk
Financial Advisor
Falmouth, Maine

207.618.9399
[email protected]

Eric Lusk has worked in the financial industry for over twenty years. He began in 1988 as an account assistant to a pair of portfolio managers who managed $350 million in assets at the trust and estate bank, U.S. Trust. Then he spent two years as a financial analyst at the investment survey company Value Line Publishing, Inc. There he wrote analyst reports and earnings projections for forty public-traded corporations in seven different industries.

Eric started as a financial advisor with Dean Witter in 1997 and has been in the independent advisory channel since 2003. His clients include institutional money managers, retirement plans, and individual investors.

Eric graduated from Georgetown University with a Bachelor of Arts degree in Economics with a concentration in Latin American Economic Development.

His civic activities include the last ten years as a Rotarian, a member of the Cape Elizabeth Water Extrication Team, and the Yarmouth Economic Development Advisory Committee.

Eric and his wife Holly live with their two children in Harpswell, Maine.

Madeline Rheaume
Administrative Assistant

Madeline Rheaume is an administrative assistant providing support to Dow Wealth Management’s financial advisors and their clients. She is enthusiastic about being in the industry and is working toward getting her Series 65 license.

Madeline is a graduate of Southern Maine Community College with degrees in Liberal Arts as well as Communications and New Media. Her studies focused on photography and the graphic arts.

She was born and raised in Maine, and currently lives in Kennebunk. On the weekends when she’s not at the beach, you’ll find Madeline hiking in the White Mountains with her camera or driving her old Miata around the scenic backroads.