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53 B U S I N E S S P RO F I L E S S P O N S O R E D C O N T E N T B U S I N E S S P R O F I L E Above: Personal Financial Services Team Left: EFS Analysts Ryan Bossie and Josh Medeiros Lebel & Harriman Retirement Advisors 366 U.S. Route One, Falmouth, ME 04105 Sector: Financial Services Jennifer Breton, CPFA, AIFA, Partner Laurie Reed, Partner Matt Arey, Esq., Partner Nate Moody, CPFA, Partner Founded: 1978 Maine employees: 25 lebelharriman.com e needs of employers keep expanding, and our services have expanded with them. We build executive benefit and nonquali- fied deferred compensation programs that help companies attract and keep the leaders they depend on. We guide owners through business transition and succession, from valuation through the sale or internal transfer, so the company and its people are pro- tected on the way out. Personal Financial Services Our Personal Financial Services team works with individuals, families, employees, and executives. We handle financial plan- ning, investment management, insurance and risk management, and legacy planning. Our clients often are an employee approaching retirement, an executive weighing a deferred compensation or stock option election, an owner who has just sold the business: each reaches a point where the employer side and the personal side become one. Our relationship with them grows organically, the way relation- ships tend to when they're built on trust. Our planning team picks it up from there, often working alongside a client's CPA and estate attorney so the pieces hold together across taxes, investments, insurance, and estate documents. For senior executives, we coordinate the personal plan with their employer's benefit programs so nothing falls between the two. Our investment approach is long-term and goals based. We build portfolios around what a client is working toward, rebal- ance and monitor them actively, and invest with an eye toward tax efficiency across accounts. e insurance and risk work cov- ers life insurance, long-term care, annuities, and irrevocable life insurance trusts, each matched to a client's actual situation. For clients who give, donor advised funds bring the same planning discipline to their charitable goals. Every client has a dedicated service team and a financial plan we review on a regular cadence. We manage the trading, distri- butions, and rollovers, keep the plan current as life changes, and make sure a real person answers when they call. Many of the families we work with might have first found us through their workplace plan and now have stayed for multiple generations. Why specialization matters now When a client's life runs across both sides, our teams handle it together. An owner we have supported for years decides to sell the company, and the people who ran their retirement plan stay in the room while our planning team builds what comes next. Same firm, same faces, no handoff to a stranger. at structure matters more every year. Retirement plan rules keep shifting under SECURE 2.0. Executive compensation, business transitions, and personal tax planning are all growing more technical. Employers and the people inside them need an advisor who can go deep on each of these and keep the connec- tions between them in view. Few Maine firms are staffed to do all of it under one roof. A firm built for the long run e reason we can promise continuity is that we have built for it. Ownership already includes the next generation of the firm: Partners Matt Arey and Nate Moody, alongside Laurie Reed and Jennifer Breton. We hire early in careers and promote from within, so no client depends on any one person being at their desk. e office does not look like your typical financial firm. People gather mid-room to recap a client meeting, celebrate a new relation- ship, and post the week's good news on a whiteboard for everyone to see. at culture is why people join us and stay, and part of why we keep landing on the Best Places to Work in Maine list. Our industry has taken notice too. Lebel & Harriman has been named a NAPA Top DC Advisory Firm (2022-2026), partner Nate Moody was named PLANADVISER's 2026 Retirement Plan Adviser of the Year, and our clients have earned PLANSPONSOR Plan Sponsor of the Year honors. Where we come from, and where we are going Mike Lebel and Phil Harriman founded the firm in 1978 on a then-unusual idea: give clients advice in their best interest and do what's right. e idea they started with still runs the place. Most of what we care about now sits ahead of us. We have built a young, independent, Maine-owned firm with two spe- cialized teams and an ownership group that intends to be here for decades. For a business or an executive choosing an advisor for the next 20 years, we plan to still be here when it matters. Independent, local, and still us. l P H O T O C O U R T E S Y O F L E B E L & H A R R I M A N Securities offered through Valmark Securities, Inc. Member FINRA, SIPC. Investment Advisory Services offered through Valmark Advisers, Inc. a SEC Registered Investment Advisor. | 130 Springside Drive, Suite 300, Akron, OH 44333-2431 | Telephone: (800) 765-5201 | Lebel & Harriman, LLP and Lebel & Harriman Retirement Advisors are separate entities from Valmark Securities, Inc. and Valmark Advisers, Inc. / Statistics as of 12/31/25. Recognitions reference awards received by Lebel & Harriman, its team members, or a plan sponsor the firm advises. PLANADVISER named partner Nate Moody its 2026 Retirement Plan Adviser of the Year (Closing the Coverage Gap category), a national editorial recognition selected from nominations and finalist judging. A nonprofit plan sponsor advised by the firm received a PLANSPONSOR Plan Sponsor of the Year award (2023). Award criteria and full methodology available on request. The firm pays a fee to be a NAPA Firm Partner but did not pay a fee for inclusion in the NAPA recognition, and no fee was paid for the PLANADVISER recognition. Awards are not indicative of future performance and are not a guarantee of any client's future experience. Per-award disclosure language to be confirmed with compliance before publication. / We offer both fee-based advisory services and commission-based products. Financial professionals may act as Investment Adviser Representatives when providing advisory services for a fee, or as Registered Representatives when recommending or selling commission-based products. The role in which the financial professional is acting and how they are compensated will be disclosed at the time of the recommendation or transaction.