Richard C. Cella, III	H. Clifford Watkin

Ipswich Bay Advisors is a culmination of close to three decades of experience and the development of expertise in the following areas:

We believe that the keys to a successful, long-term partnership with our
clients include:

Our Mission

Through our commitment to excellence, caring and the highest level of customer service, we continuously seek that which is in the best interest of each client respectively, providing innovative business and wealth management strategies and insight into the opportunities for financial growth.

Our People

Managing Partner, Financial Services

The founder of Ipswich Bay Advisors, Richard began his financial services career in 1983 as a life insurance agent for John Hancock. After achieving many of their highest professional awards in 1986 he directed his efforts towards employee benefits and retirement plans. In 1996 Richard earned a fellowship from the Life Underwriters Training Council, which included intensive training in retirement plans and employee benefits. Richard is a member of the Association of Independent Investors, The Financial Education Network, and a registered representative with Investors Capital Corp.

Richard has excelled in his professional growth as an investment advisor to complement his expertise in retirement plans such as 401(k)'s and IRA's.  Richard is an industry leader not only for his business growth, but for the breadth and quality of his client services.  He brings a combination of expertise to our clients offering an advanced customer service model.  This model provides technical and investment advisory services to plan sponsors and comprehensive financial education to their employees.

Richard holds a full complement of securities licenses under FINRA including series 6, 63, 7, 24 and 65, enabling him to offer his clients the complete universe of investment options including fee based investment advice and "alternative" investments.  Richard is licensed to do business in MA, NH, ME, and FL, and is co-founder of IBA Investment Advisors, a Registered Investment Advisor firm.

Managing Partner, Human Resources and Employee Benefits

Clifford comes to Ipswich Bay Advisors with over 20 years of employee benefits and human resources experience. Throughout his career, Clifford has built a reputation for effective leadership, communication and administrative skills with an emphasis on quality assurance and excellent client service. As a consultant with Watson Wyatt Worldwide for six years, Clifford provided employee benefits plan design consulting to both small and large employers. To expand his experience, he worked for two large employers as the Director of Employee Benefits managing benefits programs for 25,000 employees across the U.S. With a passion for problem solving and consulting to small to medium sized businesses, he moved to Sentinel Benefits, an employee benefits consulting firm. As Vice President of Health and Welfare Plan Services, Clifford oversaw business development and operations for more than 25,000 participants. In 2007, Clifford joined Ipswich Bay Advisors as a managing partner of the firm to manage the employee benefits consulting business for their clients.

Clifford has been a regular speaker Northeast Human Resources Association and New England Employee Benefits Council meetings on a variety of Human Resources and Employee Benefits Topics. Clifford has also been consulted by Employee Benefit News and the Boston Business Journal for his compliance commentary for various employee benefit legislation and is an adjunct instructor for North Shore Community College. Clifford holds a Bachelors Degree from Boston University and a Masters of Business Administration Degree from Northeastern University.

Account Associate

Michael recently graduated from Salem State College in 2009 with a major in psychology. His role at Ispwich Bay Advisors is to assist the group benefits and human resources side of the business.

Certified Financial Analyst and Investment Committee Chairperson

Dave's clients are primarily retired investors, business owners, and working professionals. In addition to being a financial advisor assisting clients, Dave is the lead analyst & Chief Investment Officer of The 401k Capital Advisory Group. He specializes in asset allocation and heads the investment research team and manages due diligence requirements. He was instrumental in developing our proprietary timing system and is responsible for implementing investment strategies. His ultimate goal is to help reduce market risk and help minimize the fluctuating value of other assets in times that we perceive as risky and increase stock market exposure in times that we perceive as less risky. Dave is co-authoring the release of Wealth in a Decade, McGraw-Hill/Irwin/Business 1\One 1996.

Dave attended Seattle Pacific University and graduated cum laude with his degree in Business Administration with a Finance concentration. Several years later, Dave decided to enroll as a CFA Candidate in 2005 through the CFA Institute. After several years of grueling work and exams, he was awarded the prestigious CFA designation in December, 2009.

ERISA Consultant

For Tom, helping people make the most of the financial assets has been his passion for almost 30 years. As a trusted advisor and founding partner, Tom uses his combined talents to create and manage his clients financial plans, minimize their taxes, help increase their savings, and reviewing their estate issues to address meeting their financial goals.

Tom attended The America College in Bryn Mawr, PA for professional development and received the Chartered Life Underwriter, Chartered Financial Consultant and a Masters Certificate in Income and Estate Taxation. He graduated from St. John's University in Collegeville, MN in 1972 with a Bachelor of Arts Degree in Classical Languages.

Senior Account Manager

Margo has a wide variety of professional experience in management and marketing for many industries, including the financial and insurance sectors. Her role at Ipswich Bay Advisors is to assist with the servicing, processing and account management of our personal investment clients. She holds a Bachelors Degree in Mass Communications and Public Relations with a minor in Organizational Management from Boston University.

Certified Financial Planner and Accredited Investment Fiduciary

For Brett, helping people make the most of their financial assets has been his passion for over 25 years. Brett enjoys guiding his clients as they implement strategies to meet their financial goals. As a trusted advisor, Brett uses the combined talents of our firm including six CPA's, two attorneys, one CFA, two CFP's and two investment advisors. He works together with the team to provide clients with fee-based asset management services, estate planning and tax planning.

Brett has written several books including Wealth In A Decade and The Corporate Guide to Profit and Wealth. These books describe Brett's personal and corporate insight into financial matters that have helped thousands of people who were concerned and confused about how to take financial control of their lives. Appearing on radio, television and featured speaking events include CNBC's "Your Money", PBS's "Financial Freedom", CNN's "Financial Update". Brett attended Fuqua School of Business, Duke University, MBA Candidate in 1983 and attended Mac Murray College, and received his BS in Accounting, Business, and Economics.

Retirement Plan Consultant

Andrée Thorne recently joined Ipswich Bay Advisors as a Retirement Plan Consultant. Her role focuses on client services, business development and plan coordination. She brings with her 15 years experience in the investment, and corporate risk management industries.

Andrée worked four and half years with Putnam Investments as an administrative assistant to the Chief Administrative Officer in the bond department. From there she advanced to a trading assistant position to the portfolio managers in that same department. The past 11 years she has worked in the commercial insurance industry with a large regional commercial insurance broker, Thomas Gregory Associates, now called TGA-Cross Insurance (TGA). Andree worked as an Account Executive where she worked closely with clients, providing consultative risk management services. She also created and negotiated customized insurance programs to meet the specific needs of clients from various industries. Andree holds a Massachusetts insurance brokers license in Property and Casualty and has earned the Certified Insurance Counselor designation (CIC). Andree attended the University of Massachusetts Lowell where she studied Management Information Systems.

Securities offered through Investors Capital Corporation, 800.949.1422, member FINRA / SIPC . Advisory services may be offered through Investors Capital Advisor or
Advisory services offered through Capital Advisory Group Advisory Services, LLC, an independent registered investment advisor not affiliated with Investors Capitol Corporation.