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Stephen D. Avery

Stephen D. Avery, CRPC®
Investment Advisory Representative,
Lincoln Financial Securities

Having been in the financial services industry since 1979, Steve is the principal member and owner of Lennox Insurance and Financial, LLC and through his affiliation with Lincoln Financial Securities Corporation in Concord, NH - member SIPC - he is a registered branch manager, registered representative and investment advisory representative serving clients throughout New England, the east and west coasts.

Steve holds a Bachelor of Science degree in Business from Norwich University and has attained the professional designation of Chartered Retirement Planning Counselor® from the College for Financial Planning and the Certified Fund Specialist® designation from the Institute of Business and Finance.

He enjoys cycling the roads and trails of New England and resides in New Hampshire.

Janet Rowley

Janet Rowley

Janet Rowley attended the University of Southern Maine and has worked in the insurance industry since 1997. She has Life & Health licenses and maintains a Series 6 securities registration. Janet specializes in employee benefits and assists Steve Avery with the administration of his securities clients.

Janet resides in Peru, Maine with her husband, Tim. In her spare time she is a backyard beekeeper, volunteers in her community and serves on the board of directors of the Choroideremia Research Foundation.

Email Janet at jrowley[at]

Tammi Lyons

Tammi Lyons

Tammi Lyons has been sales associate of Lennox Insurance and Financial since 2004, She is licensed in Life & Health and provides group and individual health insurance, Medicare Supplement insurance, Medicare Part D, Long Term Care and Fixed Annuities.

Tammi resides in Peru, Maine with her husband Shawn. She is involved in various fundraisers in her community and enjoys spending time with her family.

Email Tammi at tlyons[at]