Raymond Vallee, Jr.
Raymond L. Vallee Jr. is the President of Combined Benefits United, a graduate of Hall Dale High School, and attended Merrimack College.
Ray started in the insurance business in January of 1984 with Prudential Insurance Company as a Debit Agent. While at Prudential, he was a NEMO Rookie and Sophomore of the Year Contender, and won a number of company distinguished awards, along with an Academy of Honor. Ray was part of an office that finished as the 4th highest-producing staff in the country, right out of central Maine.
Ray became Employee Benefits Coordinator for a large PEO located in Lewiston, Maine, insuring over 1,400 employees with a comprehensive employee benefits program. It was there that he began his segue into the field marketing arena by developing strong relationships with many nationally known carriers.
Ray founded CBU as a field marketing organization representing a short list of insurance carriers. Over the past 15 years, CBU has grown to represent over 150 insurance carriers, doing business in 35 states with contracted insurance professionals across the country. During this time, Ray has become recognized on a national level for his commitment to detail, and for providing top investment products to advisors and consumers. With increasing, record-level sales each year, CBU has become a major player in the field marketing industry. Ray has attended multiple annual reward conventions and he says, “The greatest joy for me professionally is to see individuals and companies exceed their own lofty expectations for creating a balanced life of personal and professional successes."
Ray's values encompass the way he does business. He comments, "When an indivdual comes to us for guidance, we will inspire them to reach personal and professional goals they have never dreamed possible. The bottom line is, at CBU we inspire people to greatness. With the use of our systems, processes, and support, we answer the one question that holds us all back - 'What keeps you up at night?' "
Ray resides in Hallowell, Maine and is a member of the local YMCA. He is a former Board Member of the Augusta Little League and Augusta Babe Ruth League, along with having coached at the Jr. Varsity and Varsity Levels at Cony High School. Ray is an annual qualifier of the prestigious Million Dollar Round Table, a current member of the National Association of Fixed Annuities, National Association of Insurance Advisors, and a Member of the Advisory Board for Washington National Insurance Company.
Jac M. Arbour, Chartered Financial Consultant®, is the founder and President of J.M. Arbour Wealth Management, a comprehensive financial planning and investment advisory firm.
Jac began his career with Combined Benefits United in 2007, directly after graduating from Bowdoin College. During his time with CBU, Jac developed an expertise in the insurance industry, specifically with life insurance case design, income planning, social security planning, and protecting assets from both long term care costs and stock market volatility.
Because of his integrity and his no pressure approach, Jac has earned the opportunity to work with people across the country in the areas of retirement planning, investment advisory, and insurance.
Jac graduated from Cony High School and attained his BA degree from Bowdoin College, Brunswick, Maine. Jac attained his ChFC® designation from The American College, Bryn Mawr, Pennsylvania.
- Million Dollar Round Table
- National Association for Fixed Annuities
- National Association of Insurance and Financial Advisors
- Published Author - "May You Drink From the Saucer" (2013) and "This Little Piggy" (2018)
- KVYMCA – VP Board of Directors
- Kennebec Historical Society
- Kennebec Valley United Way
- Personal Development Speaker
Kevin Frisbie is the Founder and President of Frisbie & Associates, a financial services firm with locations in Lewiston and Brewer, Maine. As an experienced financial professional, Kevin focuses his practice on developing financial programs and strategies that address the unique financial needs and circumstances of our country’s growing mature population and their adult children.
Kevin has a personality that naturally meshes well with whomever he meets. He is an individual who is enthusiastic and passionate about his career and strives only for the highest level of success.
- Certified in Long Term Care
- Medicare Licensed
- Five Consecutive Years as Million Dollar Round Table Qualifier
- Two Consecutive Years as Million Dollar Round Table Court of Table Qualifier
- Owner of Frisbie Enterprises, a Million Dollar Real Estate Company
- Happily Married and Proud Father
- Resides in Lewiston, Maine
- Motivational Speaker and Business Trainer
- Board of Directors – Elliot Avenue Little League
- Board of Directors - Greater Bangor Brewer Property Owners Association
- Active community members donating time and money to local organizations
Brian P. Heath
Brian P. Heath is a native of Maine and a graduate of Cony High School. He has been an active member in the community with the Augusta Kiwanis Chapter, Hope Group in Hallowell, and is co-founder of the Augusta's KVBC Networking Group. Brian is also a former varsity basketball coach for the Oak Grove Coburn School as well as at Cony High School. As a member of the Cynergy Mentoring program, Brian works regularly with students at the local High School to expand their horizons and provide them a link to the world of business.
For thirty years, Brian has worked as a sales consultant with business owners throughout Maine. Having come from a major account rep position in the business equipment industry, he is now a Licensed Insurance producer, specializing in Employee Benefits. Brian brings his consultative approach and years of experience with doing business in Maine to CBU. His ability to listen to client objectives and goals and to provide the right solutions are apparent in his everyday business dealings. His success has led him to be a top producer, featured agent and advisory board member with Washington National Insurance Company. Click here to watch video
With his two daughters, Brian has lived in Hallowell for over 23 years. From schoolwork to family excursions, nights and weekend priorities revolve around his girls. In his free time, it's shooting hoops, boating on the lake or just hanging with friends.
Brian says, "My time at CBU has been the highlight of my career so far. The products we sell, the atmosphere we work in and the people I get to surround myself with are second to none. I am grateful for the opportunity I've found at CBU."
Stephanie is the Marketing Director at CBU, and she plays an instrumental role in developing marketing content and implementing sales strategies for agents. As the previous production manager for a Maine marketing company, she has extensive experience working with small businesses, government groups, and trade associations.
Stephanie graduated from the University of Nebraska-Lincoln with a degree in Cultural Anthropology and has traveled the world from Africa to Antarctica. She came to Maine in 1999 to become a Registered Maine Guide and quickly developed a passion for showing others the uniqueness of Maine. Additionally, she is a marketing consultant for Fieldstone Media, previous co-host for the TV program The Maine Show, and a graduate of the Kennebec Leadership Institute.
Stephanie likes to travel, ski, hike with her dog, practice yoga, and run rivers with her husband, Kyle, and their two children, Sam and Izzy.
Shannon Ferran is the Producer Relations Director for Combined Benefits United, and her incredible organizational skills keep our team running smoothly. She is responsible for the day-to-day operations and management of the Hallowell office, including coordination of agent seminars, contracting, and communication with the CBU management team.
Shannon has more than 17 years of professional experience in the customer service industry with an emphasis on employee management, personnel development, systems analysis and team building. She is a native of Millinocket, ME and received her B.S. in Psychology from the University of Maine Farmington in 1999.
In her spare time, Shannon enjoys spending time with her husband, Andrew, and their two children Alice and Liam. She also loves being in the outdoors, as well as entertaining friends and family.
Shelby assists agents through the sales process for Combined Benefits United. She is responsible for running Social Security reports, annuity comparisons, illustrations and providing support to our Medicare agents.
Shelby grew up in central Maine and graduated from Gardiner Area High School in 2008. She is currently pursuing her degree in accounting from the University of Southern Maine. In her spare time, she enjoys being at her camp on Tacoma Lake, skiing, running, and spending time with friends and family.
- Processing New Business
- Annuity, Life, DI and LTC illustrations
- Production/Commission Tracking
JR Donath is Combined Benefits United’s Senior Vice President of Business Development for Annuity and Life Business. In addition, he is also the Senior Vice President of Business Development with CBU's partner company, Magellan Financial & Insurance Services Inc.
Grounded in years of experience and a keen understanding, JR works to provide advisors with solutions that result from their client’s desired visions. JR’s mission is to utilize that vision as a guide, and in turn, develop the right plan for each situation.
JR spends his time at CBU in three areas: working with the marketing team to educate producers on new products and value-added programs offered by CBU, developing and maintaining carrier relationships so that producers who choose CBU as their FMO have the best partner carriers available to them, and talking to producers about their business ideas to ensure we are always sharing ideas that work around the country.
JR has been in the financial services profession since 2007. He began his career as an agent and then went on to work with carriers such as Aviva & Athene. JR found a passion for directly helping individual advisors, and he currently utilizes a more one-on-one approach to assist their unique situations. JR’s main operation is to forge relationships with advisors, which result in the best solutions for their clients.
Financial wealth management has allowed JR to fulfill his passion for helping people. He is dedicated to educating and preparing advisors to accomplish their end goals. He encourages and empowers by giving advisors a peace of mind in knowing that no matter what happens in life, he is there to support their business with the utmost care.
JR was born in Illinois, although raised in Missouri and Kansas. He enjoys spending time with his family and is a devoted coach of his son’s baseball team. Dedicated to life in the local area, JR and his family reside in Topeka, Kansas.
Bob Ferreira is the Marketing Assistant and Claims Specialist for Combined Benefits United. As the Claims Specialist, he assists CBU advisors that offer supplemental benefits by helping them and their clients manage claims, billing, newly added policies, terminations, and updates. In his role as the Marketing Assistant, Bob works on the coordination of CBU events, provides seminar and marketing support, website develeopment, and also manages the CBU social media pages.
A New England native, Bob grew up in New Hampshire where he worked in specialty retail and management. A published writer who is also the former Editor-in-Chief for an online satirical news website, Bob is an amateur filmmaker and avid movie collector. He lives in Augusta with his wife, Felisia, and their son, Gabriel.
Susan Hopp is a national Social Security speaker and an Investment Advisor Representative who develops financial programs and insurance strategies designed to address the unique circumstances of our country’s growing mature population and their adult children. Her belief is that conservative asset management, asset allocation, and patience can help clients pursue their financial goals. Susan is committed to maintaining the highest standards of integrity and professionalism in her relationships with her clients. Her ultimate goal is to provide direction that can result in financial peace of mind.
A native of New Hampshire, Susan lives in Amherst and is a proud parent of two amazing daughters. Traveling as a family is one of her favorite pastimes. Susan also enjoys snowshoeing, boating and hiking with their beloved Lab – Maggie.
- National Speaker on Social Security Maximization and Asset Preservation Strategies
- Investment Advisor Representative through Foundations Investment Advisors
- Licensed Producer in New Hampshire and Massachusetts
- Bachelor of Science Degree in Business Administration from San Diego State University
Lance Gilman is a national speaker on Social Security Issues and Asset Preservation as well as a Retirement Advisor with Combined Benefits United.
Drawing on an economics and business degree from the Virginia Military Institute, combined with excellent communication and strategy skills, Lance is committed to educating his clients and providing advice and direction on:
- Protecting and preserving hard-earned assets
- Creating opportunities for estate and income tax reduction
- Ensuring financial independence throughout retirement
- Maximizing and properly pinpointing the best time to draw Social Security benefits
Married for 25 years to his wife April, Lance enjoy sailing, tinkering with antique clocks, playing guitar and spending time with his two delightful daughters. He is an active member of the Lakeview OPC community church and supporter of Slam Diabetes – a non-profit whose mission is to improve the lives of people living with Type 1 Diabetes.
Corenna Howard, Esq.
Ms. Howard was raised in Augusta, Maine, graduated from Franklin Pierce College with a Bachelor of Science in Accounting, graduated from Suffolk University with a Masters in Taxation and received her law degree from American University Washington College of Law. Upon graduating law school Ms. Howard worked in the Estate and Gift division of the Office of Chief Counsel Internal Revenue Service. She later moved to Maine where she now represents clients regarding Estate Planning and Elder Law issues.
Ms. Howard regularly represents clients in the preparation of their Last Wills and Testaments, Durable Financial Powers of Attorney, Advanced Health Care Directives, Living Wills and Trusts. She provides counsel regarding how to avoid estate or death taxes, how to provide for a disabled child and how to protect assets for the next generation.
Attorney Howard also regularly counsels clients regarding Elder Law issues, including representation of clients when they are seeking financial assistance with long-term care expenses and providing counsel regarding asset protection strategies for the elderly.
- Active member of the Trusts, Estates and Elder Law Sections of the Maine State Bar Association
Drawing on 18 years of experience, Matt Dunn develops Financial programs and insurance strategies that address the unique circumstances of our country’s growing mature population and their adult children. His integrity and his no pressure approach have granted him the opportunity to work with individuals across the country in the areas of retirement planning, investment advisory, and insurance.
For the risk adverse investor, his strategy behind using insurance-based programs is: safety, growth and control. Matt’s commitment to this Financial planning process has allowed his clients to achieve:
- Competitive returns with no market risk
- Maximization and securitization of estate assets
- Reduction of taxes
- Protection against estate liquidation due to chronic illness
- Financial peace of mind
Additionally, Matt provides a fully transparent, targeted approach to fee only investment advisory. With the preservation of assets at the forefront of his investment methodology, he not only looks to grow his clients’ assets, but to help them retain the assets for which they have worked so hard to accumulate.
Matt’s goal is to provide an unbiased Financial service to his clients that combine the values of trust and expertise. Married since 1998 to his wife Rosie, the Dunn’s enjoy spending time with their two sons Tommy and Kevin and the beloved family dog, Henry. In his leisure time, Matt is often coaching basketball or catching the latest Sox, Patriots, or Celtics game.
PROFESSIONAL CREDENTIALS & COMMUNITY INVOLVEMENT
- Licensed Producer
- Investment Advisor Representative (Series 65)
- Public Speaker on topics covering: Retirement, Income Planning and Social Security
- Franchise Mortgage Acceptance Company Marketing Vice President
- Lehman Brothers Vice President
- CitiCapital Vice President
- MJ Dunn & Associates Managing Partner
- Youth Basketball Coach, St. Joseph’s Travel Basketball League
- Youth Basketball AAU; Worcester Sting and Central Mass Shamrocks
- Board Member of PIF Inc.; a nonprofit dedicated to helping inner city kids by using sports as a vehicle to help teach life skills.
Van Mueller, LUTCF, is a Registered Representative with Mass Mutual. January 23, 2016, marks Van’s 43rd year as an insurance agent. He is an active member of MDRT having qualified for Court of the Table in 1990 and Top of the Table for the last twenty five years.
Van has served as an LUTC moderator in the past and is looking forward to doing so again. He also served as President of the Milwaukee Association of Insurance & Financial Advisors for the 1998-99 year. In the past, Van has served as Membership Chairman for both Milwaukee and the State of Wisconsin. Van also served on the Annuity Advisory Panel, the Middle Income Task Force, the Sales Idea Committee, and the Program Development Committee for MDRT. Van has served two 2-year terms on the Top of the Table board. He is currently serving as an appointed NAIFA trustee.
Van was awarded the Milwaukee NAIFA Distinguished Service Award for 2003. And in 2010 Van was the proud recipient of the A. Jack Nussbaum Distinguished Service Award for NAIFA – Wisconsin. He has also qualified for the National Sales Achievement Award, the National Quality Award, the Health Insurance Quality Award, and has qualified many times for the National Association of Health Underwriters Leading Producers Round Table. Van was selected by Senior Market Advisor Magazine as the 2010 Advisor of the Year.
Van supports many industry organizations. In addition to membership in the National Association of Insurance & Financial Advisors and Million Dollar Round Table, he is also a member of the Society of Financial Service Professionals, an Emissary Contributor to IFAPAC and a Diamond Knight of the Million Dollar Round Table Foundation.
Van has spoken to groups around the world, including being a main-platform speaker at MDRT in 1998 in Chicago and the Main Platform Speaker at the 2001 Top of the Table Meeting in Maui, HI. Van was a Main Platform Speaker at the 2003, 2005, 2009, 2014 and 2015. NAIFA Conventions. He was a speaker at MDRT and at the NAIFA Convention for 2006, and again in 2007, 2010 and 2011. He was a main platform speaker for the MDRT Experience in Tokyo, Japan in April of 2008. He has also written many articles for various publications, including the “Close” for Senior Market Advisor magazine. Van also has a monthly newsletter available to subscribers and he believes that the next decade will be “The Greatest Time Ever” for Insurance and Financial Service Professionals!