Our Team

Peter Fendler, AIF^®

Principal & Managing Partner

Peter joined Norton Financial Services in 1989, became a partner in 1997, and was named President of the firm in 2005. In 2016, Norton Financial sold to HUB International New England where Peter serves as Principal and Managing Director and continues his advocacy on behalf of his clientele.

Peter’s areas of discipline are employee benefits and retirement plan consulting. Peter holds his Accredited Investment Fiduciary (AIF®) certification. He is a member of the Profit Sharing Council of America (PSCA) as well as the American Society of Pension Professionals and Actuaries (ASPPA)

Peter has served on the key broker councils for each Anthem, Aetna, and Harvard Pilgrim Healthcare. He was one of the founding members of the Maine Health Purchasing Collaborative, the predecessor to the Maine Health Purchasing Alliance. He has also served as the state Legislative Chair for the Maine Association of Insurance and Financial Advisors (MAIFA). He is also a member of the Commonwealth Financial Network’s Retirement Advisory Council.

Peter holds both a broker and consulting license from the Maine Bureau of Insurance. He is appointed with more than 30 insurance carriers and is licensed in multiple states. Additionally, he holds his FINRA series 6, 7, 24, 63, and 65 securities licenses and his AIF® (Accredited Investment Fiduciary) certification. He is registered as a Securities Principal and offers securities as a Registered Representative and Investment Advisor Representative of Commonwealth Financial Network®, member FINRA/SIPC, a Registered Investment Advisor.

Peter previously served on the boards of The Mitchell Institute, the Maine College of Art and the Pine Tree Council of the Boy Scouts of America, Maine Central Institute, and is an alumnus of the Iota class of the Institute for Civic Leadership.

Ray Emery, CRPS^®, ChFC^®, CLU^®

SVP, Financial Consultant

Ray is a Chartered Retirement Plan Specialist and a Chartered Financial Consultant. He started his financial services career in 1988 after a successful career in real estate sales and mortgage lending. He held positions at both Key Bank and Morgan Stanley before joining HUB International in 2001. Ray has completed his 20th successful year in his current role. Ray brings significant experience and understanding in the areas of both personal and business financial services.

His work is now primarily focused on individual wealth management and employer‐sponsored retirement plans working as a fiduciary in both areas. Ray holds FINRA Series 7, 24, 31, and 66 securities registrations, as well as his Life, Accident and Health, Property and Casualty Insurance licenses. Registered Representative and an Investment Advisor Representative of Commonwealth Financial Network®, member FINRA/SIPC, a Registered Investment Adviser. Fixed Insurance products and services are offered through HUB International. He attained a bachelor’s degree from Northeastern University.

Ray and his wife, Marie, live in Naples, Florida. and Yarmouth, Maine. with their Golden Retriever Brody. Outside of the office, Ray enjoys golfing, skiing, riding his Harley, and traveling to new places.

James Kos, CRPS^®, CPFA

Vice President, Retirement & Private Wealth

James has worked in the financial services industry for more than 17 years, joining HUB International in 2011.

James is passionate about helping clients achieve a level of comfort and understanding around their financial situation. He strives to provide outstanding service and be a strong advocate for every client of the company.

As the Director of Financial Services, James provides asset management, financial planning, estate planning, and retirement plan investment advisory services. He is responsible for oversight of day-to-day operations and serves as the head of the investment committee for the group.

James attended the University of Massachusetts, graduating with a degree in resource economics. He holds the FINRA series 4, 6, 7, 24, 53, 63, and 65 securities registrations. Previously James worked at Investors Capital in Lynnfield, Massachusetts, where he was in various roles including operations, trading, and compliance.

James lives in Freeport, Maine with his wife, Molly. In his free time, he enjoys sailing, playing golf, cooking, and reading.

Pam Kramer

Investment Operations Account Manager

Pam Kramer joined the Financial Services team at HUB International in the Spring of 2018. Formerly, she helped in the management and operation of a managing general agency, which was a family-run business for more than 35 years.  Pam has more than 30 years of experience in the life insurance industry, including 11 years in variable universal life and is a former member of the Financial Services Institute.  She has held various positions throughout her career with a strong suit in customer service and administration. Her background and passion to serve others helps Pam provide support and assistance to our clients, colleagues, and advisors.

She has held her Life and Health Insurance license since 1992 and passed her Securities Industry Essentials (SIE) in 2020.

Pam is originally from Maryland, but she has lived in Maine most of her life. Outside of work, she enjoys many activities including scenic walks, creative projects, reading, music, and just spending time with family, friends, and Kansas, her 11-year-old English Black Lab.

Todd Gibson

Retirement Plan Client Relationship Executive

Todd joined the TPA department at HUB International in 2012. In the TPA Division, Todd was a TPA Service Representative with responsibility for more than 15 Retirement Plans. He is also assisting with various other plan sponsors 401(k) administrative functions on 20 other 401(k) plans.

As a Retirement Plan Services Account Manager, Todd will assist with the quarterly and annual investment commentary process, as well as working with TPA and recordkeepers to ensure compliance within various 401(k) plans. He attends meetings with financial advisors to draft Fiduciary Plan Review Summaries. Todd will also give daily support to HUB retirement plan clients and their employees. Todd will work on responding and generating requests for proposals while assisting the financial division with various annual deadlines.

Before coming to HUB International, Todd worked within the Retirement Plan Group as a 401(k) Administrator for TD Bank Wealth Management Group in Portland, Maine. Todd worked for 12 years in the Recordkeeping Department and worked with clients on day-to-day functions with plan sponsors, as well as working on each plans quarterly statement processing. Todd also worked as a Plan Administrator in the Retail 401(k) Division at Putnam Investments in Andover, Massachusetts. In this position, Todd worked with plan sponsors of mid-market 401(k) plans with the daily administration and compliance procedures within each plan sector.

Mark Gosselin, CPFA

Retirement Plan Consultant

Mark Gosselin has more than 40 years of retirement planning experience working with both private and government retirement plans throughout the Northeast. His responsibilities have included marketing, key client relationship management, education, retirement planning, and training, which has been an ideal foundation for his work with the HUB Maine Retirement Team.

Prior to starting with HUB International in 2020, Mark was a Director, Client Relations & Retirement Consulting for a large financial firm responsible for four teams working in eight states across the Northeast. Prior experience includes a nearly 20-year role in client relations and participant education working exclusively with nearly 200 government plans in Northern New England. Mark enjoys working with participants the most, helping individuals develop long-term strategies which will better position them for success in replacing income in retirement.

Outside of financial services, Mark has also had experience working as a Communications Operator, fire/rescue, and police officer. Mark stays active walking, hiking, being on the water, traveling locally, and spending time with his family.

Zach Wielgoszinski

Retirement Plan Education Specialist

Zach Wielgoszinski joins us as a Retirement Plan Education Specialists. He has 9 years of industry experience with firms such as Fidelity Investments, E*Trade, and Morgan Stanley where he obtained his Series 7, 63, and 66 securities registrations. Throughout his career, he has worked in roles that specialize in personal investing, workplace retirement plans, executive services/ultra-high-net-worth, and equity compensation plans or stock plan services. These allowed him to work with people who were only just starting to invest and were seeking fundamental guidance, to consultative sales-based positions, to client relationship management, and even coordinating and presenting education seminars. Zach likes to focus on the relationship with his clients. He does so by making sure to pay attention to what is most important to them and their future while providing a white-glove service experience to ensure the utmost satisfaction.

Zach graduated Cum Laude from Franklin Pierce University with a bachelor’s degree in business management. He was also an inductee into the Sigma Beta Delta International Honors Society and Chi Alpha Sigma National Honors Society. Zach also passed the Level 1 exam for the CEP (Certified Equity Professional).

Outside of finance, Zach enjoys spending time with his family. He is married to his lovely wife, Jordan, since November 2020. Zach and Jordan welcomed their first child, Everly Reign Wielgoszinski, into the world in December 2021. And we cannot forget about Ruby, his golden retriever, as she completes the family picture. He also enjoys staying active, playing golf and lacrosse, is an avid Boston sports fan, and car enthusiast. He is also an experienced lacrosse coach who stepped away from the game to focus on his family and career but hopes to someday return to the sidelines to help grow the game!