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      <image:caption>Jeremy is a native of Maine, born in Calais and raised in Houlton. As a fourth–generation Mainer, he understands the strong and independent nature of the people of Maine and the specific challenges that living in our great state may present. He lives in Lisbon Falls with his wife and children and their black Labrador, Pippi. He is a committed father and local businessman and enjoys working backstage in local theater productions, Nerf gun fights with his kids, and hiking and camping in northern Maine.</image:caption>
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      <image:caption>Maggie Barnard is the CEO and co-founder of Barnard Financial.  A native of Lisbon Falls, Maine, Maggie grew up surrounded by self-employed and spirited, independent businesspeople.  After attending university and receiving her BA in Philosophy, she married Jeremy and spent several years working part time and raising their five children.  In 2015, she and Jeremy founded Barnard Financial which is a full service, independent, financial advisory firm with a specific focus on education, partnership, and peace of mind.  Maggie believes strongly in the unique and beautiful identity of each person and that a company finds its strength first in the identity of its leadership and employees.  She works to create a culture of creativity, positivity, and encouragement where every person can thrive and succeed.  She also values the arts, community groups, and social connection and is a volunteer on several boards of directors and is involved in various business groups throughout the Lisbon/Brunswick/Lewiston area.  When she is not in the office researching, writing, or chatting with her team, you can probably find Maggie singing with friends, performing on stage at Lyric Music Theater, or snuggling up with one of her kids.</image:caption>
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      <image:caption>Felicia joined the Barnard Financial team in 2019 as Administrative Assistant. Her presence is essential to keep our office functioning smoothly. Felicia provides everything from scheduling to data management, to reminding other team members of appointments and requirements! Outside of the office, Felicia loves music, theater, and spending time with her husband Craig and their two sons.</image:caption>
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      <image:caption>As Marketing and Media Director, Kate grows relationships with business partners and the community, both local and virtual. She has been on the Barnard Financial team since 2017, and her passion is connecting the financial world with people (like herself) who are not naturally finance-minded. In her off-hours, Kate loves music, jiu-jitsu training, and making her home in Lisbon Falls with her husband, Christian, and five children.</image:caption>
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    <lastmod>2020-07-14</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ea97158630ac3299adbe914/1594747804472-X4ZV5J99R3CLAW4KM0ZQ/jeff%2Bharder.jpg</image:loc>
      <image:title>Our Affiliates - Jeffrey Harder, Medicare Specialist.</image:title>
      <image:caption>As a former advisor to major organizations such as First Investors, Jeff is also affiliated with a network of elder law attorneys and public accountants. Understanding that services and cultivating relationships were part of his personal calling, Jeff has established a client base of over 750 households in Maine, always striving for the utmost level of success. As a personal producer, he focuses on life insurance and estate planning, health insurance, and Medicare and Medicaid planning. Jeff and his wife Lynn have three children - Reese, Ryan, and Jordan. The family resides in Falmouth, Maine, but you can often find them skiing at Sugarloaf during the winter, or fishing and camping on Casco Bay during the summer months.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ea97158630ac3299adbe914/1594748614372-OXY77J9ZUU3OQMN6FUKK/Robert+Woodman.jpg</image:loc>
      <image:title>Our Affiliates - Robert Woodman, Voluntary Supplemental Benefits Specialist.</image:title>
      <image:caption>Tobias Keene, D.D.S. Hailing from Richmond, Virginia, Dr. Tobias Keene brings a bit of unabashed Southern hospitality to all his patients. He moved to Washington, D.C. over thirty years ago as a freshman at Ivy College. Right after graduation, he attended World University’s School of Dentistry. Before opening Keene Dental in 1994, he worked for free clinics and some of the finest practices in the District. He is part of the 123 Dental Association and stays up-to-date on the latest dental discoveries. When not striving to keep his patients happy and healthy, he’s enjoys hiking with his family in Rock Creek Park.</image:caption>
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  </url>
  <url>
    <loc>https://www.barnardfinancialplanning.com/local-resources</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-07-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ea97158630ac3299adbe914/1594742304647-0VLEYQTML79U67EP7T1X/sunshine+hill.PNG</image:loc>
      <image:title>Local Resources - Sunshine Hill Neighbor’s Center, Lisbon.</image:title>
      <image:caption>When people connect….. relationships form, ideas are shared and new events and activities are established.  MTM Community Center, 18 School Street, Lisbon Falls, ME. (207) 353-0646</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ea97158630ac3299adbe914/1594742372435-LRUZF8274I6D0D1ZIRJG/People+Plus+Vector.png</image:loc>
      <image:title>Local Resources - People Plus, Brunswick.</image:title>
      <image:caption>The mission of People Plus is to support an engaged, healthy, and independent life for older adults, while joining others to build community for all ages. 35 Union Street, Brunswick, ME 04011 (207) 729-0757</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.barnardfinancialplanning.com/bfhome</loc>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
    <lastmod>2023-07-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ea97158630ac3299adbe914/cb32d9b7-224c-4d1d-ac2f-1f2bb99625ac/WhiteMtns_HJM.jpg</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ea97158630ac3299adbe914/1600442782711-PZU1LNBOTTSDFRQAS229/Mary+Meserve+Purple+lighthouse.jpg</image:loc>
      <image:title>General 1 - Independent, Personal, Unique to you.</image:title>
      <image:caption>Without a large corporate conglomerate telling us how to help, we have the freedom to respond quickly and efficiently in situations of great transition and volatility. We can investigate hundreds of products and mix-and-match to find a combination that works for your life, your goals, and your peace of mind.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ea97158630ac3299adbe914/1592419662849-LXY1NKDC7Q48XMY67KYC/Jeremy+%26+Cos+Harpswell+2.jpg</image:loc>
      <image:title>General 1 - Fiduciary.</image:title>
      <image:caption>Fiduciary is a little-known word with a really important meaning. As a licensed fiduciary, and not a broker-dealer, we are legally bound to place our clients’ best interests ahead of ours in every way - there is never a product we want to push or agenda we want to sell; only our work together toward what will make your dreams achievable.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ea97158630ac3299adbe914/1592417635867-V5428P14KR1XE68E04Q8/Jeremy+Seminar+4+edit.jpg</image:loc>
      <image:title>General 1 - Educators.</image:title>
      <image:caption>There is a lot of shame, frustration, and bewilderment around finance. We consider our primary goal financial education, to make financial planning transparent and comprehensible to anyone who attends one of our workshops or calls our office. We are constantly researching, certifying, and specializing in all areas of finance to ensure our content is current, relevant, and illuminating.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ea97158630ac3299adbe914/1592417411314-WUBQO8TCV4X7AZHVQXEQ/bridge%2Bshot%2B2.jpg</image:loc>
      <image:title>General 1 - Comprehensive and Wholistic Advisory Services.</image:title>
      <image:caption>Before becoming a fiduciary financial advisor, Jeremy received his Masters’ degree in counseling and it is part of what makes our company unique. Jeremy’s expertise in the world of retirement, social security, and financial advising is paried with his capacity to listen and genuinely approach each individual he encounters with advice that is effective and relevant. We work to know our clients, their goals, and dreams, so that we can help them make decisions that will enable them to live fulfilled and authentic lives.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.barnardfinancialplanning.com/our-services</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-10-15</lastmod>
  </url>
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