Our Team

Michael A. Godin, ChFC, RICP
LPL Financial Advisor
As an LPL Financial Advisor, Mike helps individuals and business owners define their long term goals and works with them to develop a plan to help pursue those goals. This includes assisting them in making informed financial decisions and investment strategies. Mike understands that each client is unique in his or her financial circumstances and concerns, and delivers advice on a customized basis. With nearly 30 years of experience in the financial services industry, Mike has the experience to work with and relate to many different types of clients, and is equipped to handle the many needs of businesses, and personal financial strategies, as well as estate planning strategies.  Recommendations are presented only after determining the client's risk tolerance, financial needs and goals, and a time frame for those goals.  Mike consistently delivers the objective advice that will help serve each client in the most appropriate way.  In addition to his experience, Mike has a business degree with a concentration in accounting from St. Joseph's College in Windham Maine.  Active in his community, Mike has been involved in youth sports, served as president for the Oxford Hills Chamber of Commerce, as well as chaired the finance committee for his local church.  In addition, he is involved in multiple charity events throughout the state of Maine.



Austin R. Albert, CPFA, AIF
LPL Financial Advisor

As an LPL Financial Advisor, Austin helps individuals, businesses and nonprofits make informed financial decisions and build sound investment strategies.  By understanding that each client has a unique situation he is able to offer custom tailored advice.  Austin takes a personal approach to financial services beginning with educating his clients about the many aspects of wealth management and preservation, and building long lasting relationships.  Austin is able to offer objective advice that can serve each client in the most appropriate way. The professionals at Twin City Financial Group utilizes a team approach to financial advisory services.  Drawing upon the financial specialization of colleagues allows us to create value added solutions tailored specifically to our client’s needs.  In addition, Austin has participated in many volunteer positions and currently serves on the Board of Directors for Central Maine Healthcare, Chair of the Finance committee and Chair of the Investment and Retirement subcommittee for Central Maine Healthcare, and the Board of Directors for Community Credit Union.  Austin is a 2000 graduate of LHS and a 2004 graduate of Union College with a degree in Managerial economics.  He resides in Lewiston with his wife, Leigh, daughter Josephine and son Wren.  In his spare time he enjoys skiing, fishing, biking, snowmobiling and traveling with his family.



Marc N. Paquette, CPFA
LPL Financial Advisor
Marc began his career as a Financial Representative in 1994 making his start in New York City.  He earned his bachelor's degree in Business Administration from The University of Maine Orono in 1994.  Marc's Focus is on the 401(k) market as well as individual investors.  His role is to service existing clients and develop new business.  Marc is involved in the community serving on various boards and committees, and makes his home in Lewiston, Maine with his wife, Denise and two daughters, Emma & Julia.





John (Iain) Hamilton
LPL Financial Advisor
Iain started his career in 1976 and has been working to help families and businesses work toward pursuing their goals his entire career. Iain knows that each person or business has a unique set of circumstances and helps clients develop a plan that is suitable for their personal situation. Iain is an independent minded professional and joined the team at Twin City Financial Group to be affiliated with like minded professionals and utilize their resources to benefit his clients. Ian resides in Manchester, Maine with his wife of nearly 60 years, Dorothy. In his spare time Iain enjoys golfing, photography and travelling.




Christina L. Godin
Client Services Manager
Christina is the Client Services Manager for Twin City Financial Group.  She attended the University of Maryland where she majored in Psychology.

Before Christina joined the team in September 2009, she held various positions in the human services field for 14 years. She later went on to accept a quiet and less stressful job as a library assistant for Lewiston High School after her triplets entered school.  She worked there for 5 years.
It didn't take her long to realize that it was still possible to make a positive difference in a person's life while working in the world of finance.  Her interpersonal skills and her passion to help people, have assisted in developing strong relationships with the clients. 
Her role covers a variety of responsibilities which include client support to prospective and existing customers, and providing administrative support and assistance to the managing partners as needed.  
She is excited about her switch to a career in finance, and enjoys the variety of responsibilities that come and embraces the challenges the field represents.



Our Strategic Partners: Bay Financial Associates


John S. Kerr, CLU, ChFC

When clients need advice about their financial situation, John draws on more than 30 years of practical experience. He also works to put himself in his clients' shoes "I try very hard to explain things in understandable terms and to see things from my client's point of view. I want the advice my clients receive to be consistent with advice I would want to receive if I were the client."
John joined Bay Financial Associates in 1983. He is a past President of the Boston General Agents and Managers Association and has served on the Boards of the Boston Association of Financial Service Professionals and the Boston Chapter of the National Association of Insurance and Financial Advisors. He is currently an active member of the Association for Advanced Life Underwriting serving on the Membership Committee.
He is a Registered Principal with LPL Financial holding his FINRA Series 07, 24, 51 and 63 licenses. He is also one of a small number of individuals qualified as a Licensed Insurance Advisor in the Commonwealth of Massachusetts and has served as an expert witness in insurance related disputes.
John is a Trustee of Wilkes University where he serves on the Endowment and Finance Committees.
He enjoys golf, skiing and traveling. He and his wife, Renate, have two children.


Joseph Donovan JD, LL.M

He has spent his career implementing wealth transfer, charitable and business succession planning strategies for high net worth and ultra-high net worth families. Joe is a graduate of Boston College, received his JD from Case Western University Law School and his LL.M (Masters of Tax Laws) from Boston University School of Law with studies at New York University School of Law . He is a member of the American Bar Association's trust and estate section and a member of the Boston Estate Planning Council. He is also a former board member and past chairman of the Italian Home for Children's Planned Giving Committee and once served as an incorporator for the Rowell Foster Children Fund, Inc.
Joe's experience includes practicing with a Big Four accounting firm, a law firm, and managing a legal team at a major insurance company. His legal, accounting and insurance industry experiences make Joe adept in the sophisticated use and design of life insurance products. He has the key ability to connect with a client's advisory team. His team approach helps coordinate the planning process with our clients' CPAs, attorneys, family office and other trusted advisors.
He is also able to explain complicated estate, business, and tax planning concepts in understandable terms. Joe is a frequent speaker and writes on estate, business, and retirement planning issues. He has spoken at the national meeting of the Society of Financial Service Professionals (SFSP), regional estate and tax bar associations, and the national conferences of some of the largest broker dealers in the country. Joe was a member of Boston College's hockey team that reached the Final Four. He's married with two sons and a daughter. Joe is active in his community and enjoys coaching, playing golf, and skiing.


John J. McCarthy, III, CLU, CFP®

As Chief Investment Officer of Bay Financial, Jack oversees key aspects of the firm's investment policies and strategies. He assists advisors of the firm serve high net worth individuals and their families by developing a strategic asset-allocation plan and making recommendations on investments and outside money managers designed and implemented to help accumulate, protect and transfer wealth..
He is a second-generation financial advisor with over twenty-five years of experience consulting to executives, small business owners and providing wealth management services to high net worth individuals. He is a graduate of Babson College with a Bachelor of Science degree in Business Administration, he is a CERTIFIED FINANCIAL PLANNER™ professional, and has earned the Chartered Life Underwriter (CLU) professional designation. He is a registered representative with LPL Financial, and is one of the LPL Registered Principals with Bay Financial Associates, LLC.
Jack and his wife Kate live in North Attleboro, MA with their two children, Tess and John. When their daughter was young, Jack and his wife, along with three other families, founded a girl’s select soccer club that trained and supported hundreds of girls in the North Attleboro area. In his spare time, Jack serves on the boards of non-profit organizations, helps organize an annual charity golf tournament and enjoys spending time with his family.



Thomas P. Loonie, CPA, MSFS

He is a graduate of Stonehill College, where he earned an undergraduate degree in Accounting. Upon graduation in 1995 he went to work for the Commercial Audit Division of Arthur Andersen, specializing in audits of mutual funds and publicly traded companies. In 1999, he earned his Certified Public Accountant License. From there, he went to the Internal Audit Division of Fidelity Investments. During that time, he attended Bentley College part-time, earning a Masters in Financial Planning.
He is a member of the American Institute of Certified Public Accountants, the Massachusetts Society of Public Accountants, and the Financial Planning Association. He is a registered investment advisor offering services through LPL Financial, a registered invesment advisor, Member FINRA/SIPC.


Susan P. McGuire
LPL Registered Principal

Susan oversees the account servicing, compliance and investment operations, and serves as one of the firm's LPL Registered Principals. Prior to joining Bay Financial, Susan was with LPL Financial for eleven years, nine as a Compliance Examiner and two with the Operations Department. She has over 23 years of industry experience, also having worked for Fidelity Investments and PaineWebber Properties. Susan earned her Bachelor of Arts Degree from the University of Massachusetts.