Richard C. Cella, III
Managing Partner

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 business insurance and employee benefits. Richard is a member of the National Association of Health Underwriters, the Association of Independent Investors and The Financial Education Network.

As a licensed investment advisor and retirement plan specialist, Richard brings a rare combination of expertise to our clients. He is a recognized leader in retirement plan management through his unique customer service model. This model provides technical and investment advisory services to plan sponsors and comprehensive financial education to their employees.

H. Clifford Watkin
Managing Partner

Clifford comes to Ipswich Bay Financial Resources 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, a national employee benefits consulting firm with over 2,000 clients. As Vice President of Health and Welfare Plan Services, Clifford oversaw the business development and operations for Flexible Spending Account, COBRA/Retiree and Form 5500 administration for over 25,000 participants nationally.  Clifford transitioned to Vice President of Business Development where his responsibilities included plan design and analysis for Health & Welfare and Retirement benefit programs for small to medium sized companies.  In 2007, Clifford joined Ipswich Bay Financial Resources as a managing partner of the firm to manage the employee benefits consulting business for their clients.

Clifford has life and health insurance licenses in several states, and has completed NASD exams Series 6 & 63.  He has been a been a speaker at various Northeast Human Resources Association and New England Employee Benefits Council meetings on various 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.  Clifford holds a Bachelors Degree from Boston University and a Masters of Business Administration from Northeastern University.

Dennis P. Lynch
Senior Investment Consultant

Dennis comes to Ipswich Bay Financial Resources with extensive experience in the pension and investment fields for over 25 years.  After serving in the U.S. Marine Corps, He started his career in the pension department at MONY Life Insurance Co.  From 1987 through 1995, Dennis was the Regional Pension Vice President for Provident Mutual Life.  In 1996, Dennis became President of a registered investment advisory firm, and in 1998 formed Oyster Capital Corp., an SEC registered investment advisory firm.  He was also the Vice President of Operations for CBIZ Retirement Services from 2000 to 2002.  Dennis relocated to Dover, NH in September 2003, and joined Advisors Capital Resource, a registered investment advisory firm specializing in the development of ETF Collective Trust products for the defined contribution marketplace.  Since 2006, Dennis has successfully grown his individual and 401(k) plan investment advisory business.

Dennis is an Accredited Asset Management Specialist (AAMS), a Certified Employee Benefits Specialist (CEBS), and a Fellow, Life Management Institute (FLMI).  He has life and health insurance licenses in several states, and has completed NASD exams Series 6, 63, & 65.  He has been a guest on the nationally syndicated radio show, MONEY MATTERS.  He has also been a speaker at various SHRM meetings on the topic of “Understanding the True Costs of a 401(k) Plan”.  The L.A. Times recently consulted with Dennis for an expose they prepared on excessive retirement plan fees.  He has also been an Assistant Adjunct Professor at the College of Insurance in New York, where he taught pension planning and investment courses.  Dennis holds an Associates Degree in Business Administration from City University of New York.

Jeannine Chiappini
Senior Account Manager, Employee Benefits
Human Resource Consultant

Jeannine brings to Ipswich Bay Financial Resources a wealth of knowledge in the area of Human Capital Management and Benefits Administration. It is this background, coupled with her natural ability to assist benefit plan sponsors that allow her to excel in her role as Senior Account Manager. Jeannine holds a Bachelors Degree in Human Resources Administration from Lasell College and has several H.R. certifications. In addition to human resource consulting, Jeannine has over 10 years experience in the health care industry as a client account specialist.

Margo Killoran
Senior Account Manager, Investments

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 Financial Resources is that of personal assistant to Richard Cella, helping with the 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.

Ryan Heidorn
Account Manager, Retirement Services

Ryan provides administration and service for 401(k) plans, including new plan implementation and setup. He also brings to the company a 4-year background in professional IT which enables us to provide our clients with a more efficient, advanced service delivery system. Ryan holds a Bachelor of Arts from Gordon College.

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