Two Paths Depending on
Your Investable Assets

Have $1MM in Assets 

  • Have $1MM+ in investable assets  
  • Want a more coordinated and strategic approach to wealth
  • We take an individual approach to look at your complete financial picture in order to identify areas of risk and prioritize opportunities for planning.  
  • Are thinking seriously about retirement, taxes, and legacy planning 
  • Thinking about social security & Medicare planning and long-term care 
  • Value guidance, structure, and clarity  
Start Your Retirement Clarification Call with Scott

Not Yet at $1MM?

  • Have less than $1MM in investable assets and are focused on building wealth over time 
  • In their asset accumulation years, balancing saving, investing, and competing financial priorities 
  • Beginning to think seriously about retirement readiness, tax efficiency, and long‑term goals
  • Looking for a collaborative relationship to help stay on track as their financial picture evolves 


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Start Your Retirement Clarification Call with Michelle

For workshop attendees with over $1MM we have our Private Wealth Experience.

A Clear, Guided Path Forward

  • 45-minute private Retirement Clarity Call with Scott Coulter, Chief Wealth Planning Officer or Michelle Huffman, Wealth Advisor
  • A physical copy of Ledyard’s book, Navigate Retirement with Confidence  
  • Invitation to an exclusive 75-minute workshop with David Conti, CBDA, CPRC (Date TBD)  
  • Opportunity to attend an invite-only dinner with Doug Phillips, CFA, and Karissa McDonough, CFA (Date TBD)  

Here’s How It Works

Schedule Your Consultation
​Choose a time that works for you with Scott Coulter.

Receive Your Book
​We’ll send you a copy of Ledyard’s book as a resource to guide your thinking.

Join the Workshop
​Attend a 75-minute session with David Conti, CBDA, CPRC (Date TBD).

Exclusive Invitation
​Qualified attendees will be invited to a private dinner with Karissa & Doug.

Meet Your Private Wealth Planning Team

Scott Coulter, CFP® leads the firm’s advisors and client teams, partnering across the bank to deliver a comprehensive client experience.

Previously, Scott led Strategy and Distribution at Citizens Wealth Management, driving growth and enhancing client and colleague experiences. He also served as National Sales Manager, overseeing teams across all client segments.

Scott began his career as a Financial Advisor and remains passionate about comprehensive planning that helps clients reach their full potential. He holds a CFP® designation and FINRA Series 7, 24, and 65 licenses.eads the firm’s advisors and client teams, partnering across the bank to deliver a comprehensive client experience.
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Meet Your Wealth Advisor

Michelle Huffman, CPFA®, AIF® has advised individuals, families, and plan sponsors, with expertise in retirement strategy. Michelle holds CPFA® and AIF® designations and FINRA licenses, and previously worked at Cambridge Investment Research, Lincoln Financial Group, and Fidelity Investments.

Chief Wealth Planning Officer Scott Coulter said her experience strengthens the firm’s client-first approach. Michelle is a member of the Concord Chamber of Commerce and the National Association of Plan Advisors.

Choose the Path That Fits Your Financial Position

Have $1MM in Assets 

  •  Have $1MM+ in investable assets  
  • Want a more coordinated and strategic approach to wealth
  • We take an individual approach to look at your complete financial picture in order to identify areas of risk and prioritize opportunities for planning.  
  • Are thinking seriously about retirement, taxes, and legacy planning 
  • Thinking about social security & Medicare planning and long-term care 
  • Value guidance, structure, and clarity  
Start Your Retirement Clarification Call with Scott

Not Yet at $1MM?

  •  Have less than $1MM in investable assets and are focused on building wealth over time 
  • In their asset accumulation years, balancing saving, investing, and competing financial priorities 
  • Beginning to think seriously about retirement readiness, tax efficiency, and long‑term goals
  • Looking for a collaborative relationship to help stay on track as their financial picture evolves 
Start Your Retirement Clarification Call with Michelle

Featured Speakers 

Michael Hakoun, CEPA
​Executive Vice President, Chief Wealth Management Officer

Susan Renaud, CFP®, CEPA
​Senior Vice President, Senior Financial Advisor & Business Transition Planning Specialist

Karissa McDonough, CFA
​Chief Investment Officer

Doug Phillips, CFA
​Chief Investment Officer Emeritus

David Conti, CBDA, CPRC, Financial writer, Retirement Coach

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​ For informational purposes only. Ledyard Wealth Management offers non-deposit investment products that are not insured by the FDIC, are not deposits or other obligations of, or guaranteed by the Bank or any affiliate, and are subject to investment risk including the possible loss of principal amount invested.