Artemis Financial Advisors LLC (“Artemis”) is an independent, registered investment advisor based in
Boston, Massachusetts. The firm helps individuals and families realize their personal, investment and
retirement goals by working with them to develop and implement a comprehensive financial strategy.
Artemis was founded in 2007 and is owned by Leigh Bivings, Ph.D., CFP®, CDFA. The firm is fee-only and
is dedicated to the fiduciary principle that the client’s best interests are always paramount.
SERVICES a. Financial Plan Development Our financial planning assistance begins with a detailed review of our client’s financial situation, their
financial goals and retirement plans. Working closely with the client, we then develop a strategy to
achieve those objectives. Our process is highly tailored to meet each client’s specific needs, which may
include cash flow analysis, investment strategy development, tax planning, education planning,
retirement planning, insurance analysis and estate planning.
Our process for developing the investment strategy begins with a thorough review of our client’s current
portfolio, and an analysis of a questionnaire that helps us to understand their investment goals and
tolerance for risk. Based on this information, we will evaluate different asset allocation strategies with
our clients so that they understand the risks they are taking and the results that they might achieve.
b. Wealth Management Services Our flagship wealth management service is our most comprehensive service, integrating financial plan
development with ongoing portfolio management and financial plan implementation. This service
begins with the development of a financial plan. We then formalize the agreed investment strategy in
an Investment Policy Statement (IPS) and implement the strategy by managing the assets on a
discretionary basis. All assets are held at our custodian, Fidelity Investments, which provides regular
monthly account statements.
Quarterly, our wealth management clients receive a detailed performance report, which consolidates
and analyzes the performance of their investments across all of their accounts. Annually, we conduct a
comprehensive financial planning and investment portfolio review to evaluate and adapt the overall
strategy and address any new financial planning needs.
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c. Divorce Financial Analysis Our divorce financial planning service begins by gaining a clear understanding of our client’s key goals,
needs, and concerns during this highly sensitive time in their lives. Do they want to keep the house? Do
they know how much money they need to maintain their living standard? Are they entitled to any
support? After we have a clear picture, we tailor our work to his or her specific needs, which may
include:
• Analyzing the short- and long-term financial implications of a divorce settlement;
• Documenting a marital standard of living;
• Offering insight into the pros and cons of different settlement proposals; and
• Providing solutions to complicated settlement issues such as stock options and defined benefit
pensions.
Once a divorce settlement has been reached and the divorced is finalized, we can help clients transition
to a single life. We assist with post-divorce asset transfers, estate and insurance planning, long-term
financial planning, general financial education, and investment management.
d. Basics of Personal Finance Educational Curriculum This service is targeted to young professionals seeking to learn the basics of saving, budgeting, debt
management and investing. The course is taught by a member of the Artemis team in two two-hour
sessions either in person or remotely. At the end of the course, the student receives a copy of all course
materials, a budgeting template and a list of curated online resources to learn more. Private or group
sessions are available.
ASSETS UNDER MANAGEMENT As of December 31, 2019, Artemis managed $160,374,113 for 42 families. We also had an additional
$11,666,919 of assets under advisement. These are assets for which Artemis clients have sought the
firm’s advice, such as 401k accounts, 529 plans and certain alternative investments. All of Artemis’
assets under management are managed on a discretionary basis, as described below.
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a. Wealth and Investment Management Fees Artemis offers the above-described wealth and investment management services for an annual fee
based on a percent of the market value of the assets being managed by Artemis. For the purpose of
calculating the annual fee, assets under management typically include those managed on a discretionary
basis at the firm’s custodial agent, but may also include those located in company-sponsored (e.g., 401k)
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and state-sponsored (e.g., 529 college savings plans) plans. Artemis does not charge an advisory fee on
investments made directly by clients that Artemis is not overseeing. The current annual fee schedule for
wealth management services is as follows:
1.0% for the first $2,500,000
0.9% for the next $2,500,000
0.7% for the next $5,000,000
0.5% for amounts over $10,000,000.
Please note that certain pre-existing wealth management clients are subject to a different fee schedule.
Artemis imposes a minimum annual fee of $10,000 for its services, which equates to an AUM level of
$1,000,000 at the above fee schedule. Artemis, in its sole discretion, may waive its stated minimum
annual fee or charge a lesser management fee based upon certain criteria (i.e., anticipated future
earning capacity, anticipated future additional assets, pre-existing client,
pro bono activities, etc.).
b. Financial and Divorce Planning Fees Artemis may provide certain of its clients with financial planning, divorce planning and consulting
services. Artemis does not typically charge a separate fee to its wealth management clients for on-going
financial planning support but may charge a fee for any consulting services that fall outside of the
normal scope of providing ongoing financial planning support. Artemis’s financial planning and
consulting fees are $200-500 per hour but Artemis typically charges a fixed fee based upon an estimate
of the number of hours that a project will require. Typical financial planning engagements range
between $4,000-$6,000. Artemis will not initiate any billing without prior written agreement by the
client.
Artemis also offers a more focused financial planning service to younger individuals and couples who
have discrete planning needs. This package comprises approximately three two-hour planning sessions
with one of our financial planners and the scope of work and learning objectives are customized to each
client. This “next-gen” package is offered for a fixed fee of $2000.
Where Artemis charges a fee for financial planning and/or consulting services, the client will be required
to enter into a written agreement setting forth the terms and conditions of the engagement, the scope
of services to be provided, and the portion of the fee that is due from the client prior to Artemis
commencing services. Generally, Artemis requires one-half of the financial planning / consulting fee
(estimated hourly or fixed) to be paid upon entering the written agreement. The balance is generally
due upon delivery of the financial plan or completion of the agreed services. Either party may terminate
the agreement by written notice to the other. In the event the client terminates Artemis’s financial
planning and/or consulting services, the balance of Artemis’s unearned fees, (if any) shall be refunded to
the client. If termination occurs within five business days of entering into an agreement for such
services the client shall be entitled to a full refund.
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For All Investment Management Clients. Artemis’s annual AUM fee is charged quarterly, in arrears, and
is pro-rated in the initial and final quarters, if service was not provided for the full three months. The
fee is calculated based on the market value of the account(s) as of the last business day of the quarter.
The valuation of the assets will be derived using Artemis’s portfolio management software and may vary
slightly from the account statement from our custodial agent
Fidelity Investments due to the timing of
some dividend and interest payments made on the last day of the quarter. Artemis will instruct
Fidelity
as to the direct deduction of the advisory fee shortly after quarter end. Clients may, however, request
direct invoicing of the fee. Fees for the first quarter are calculated based on the value of the assets
transferred to
Fidelity as of the last day of the first quarter, pro-rated from the date the Client
Agreement was signed. Fees for the first quarter are refundable in full if the agreement is terminated in
the first five (5) business days from the date of inception. After the first five days, either Artemis or the
client may terminate the arrangement through written notice to the other, and any prepaid fees will be
pro-rated to the date of termination and refunded to the client.
Artemis’s advisory fees are separate and distinct from the fees and expenses charged by mutual funds
and exchange-traded funds (described in each fund’s prospectus) to their shareholders. These fees
generally include a management fee and other fund expenses. Further, there may be transaction
charges associated with the purchase or sale of securities. Artemis does not share in any portion of the
brokerage / transaction fees charged by the custodian that holds the client’s funds. It is part of Artemis’s
basic investment philosophy to minimize these fees through the extensive use of no-load, passively-
structured mutual funds, conventional index funds, ETFs and other low-cost options.
Artemis requests that all its clients move appropriate and transferable assets to
Fidelity Investments.
Fidelity does not charge a minimum annual aggregate commission to satisfy our advisory agreement, but
does assess transaction charges directly to each client account upon execution of trades.
Clients may also incur “account termination fees” upon the transfer of an account from one brokerage
firm (custodian) to another. Fees typically range between $0-200 at present. Clients should contact
their custodians to determine the amount of account termination fees that may be charged and
deducted from their accounts for any accounts which may be transferred.
Artemis may also provide advice about any type of investment held in a client’s portfolio at the
beginning of the advisory relationship. Clients have the option to purchase investment products that
Artemis recommends through other brokers that are not affiliated with the firm.
Virtually all of our clients pay Artemis fees based upon a percentage of the assets we manage for them.
This is a very common form of compensation for registered investment advisory firms and avoids the
multiple inherent conflicts of interest associated with commission-based compensation arrangements.
Artemis does not accept commission-based compensation of any nature, nor does it accept 12b-1 fees.
Asset-based fees can still at times lead to conflicts of interest between our firm and our client. For
example, conflicts of interest may arise relating to any financial decision which results in a net reduction
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in assets managed by the firm. We have adopted a code of conduct to properly manage these and other
potential conflicts of interest.
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Artemis does not accept any form of performance-based fees – that is, fees based on a share of capital
gains on or capital appreciation of the assets of a client. However, should our investment strategies
result in appreciation of our clients’ portfolios, Artemis will benefit. In this way, our interests are aligned
with those of our clients.
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While we work with individuals and families of all kinds, our services are particularly valuable to two
Clients in the process of saving for retirement—typically those who have at least $1,000,000 in
investable assets.
Clients approaching retirement—those planning to retire soon who need detailed retirement
planning assistance as well as those recently retired.
We can also be helpful to clients who are going through a life transition, such as divorce, loss of a
spouse, sale of a business, or an inheritance. We take into account the impact of major life changes on
our clients’ financial plans.
Our clients are successful people who either do not have enough time to devote to their financial affairs
or who recognize the benefits of ongoing professional guidance in this area.
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INVESTMENT PRINCIPLES At Artemis we focus our primary attention on achieving the optimal mix of assets for our clients,
reflecting their long-term investment goals and risk tolerance
. Our asset allocation strategies are built
upon a foundation of: clearly-defined investment goals, diversification of risk, dynamic asset allocation
and efficient execution.
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a. Clearly-defined Investment Goals It would be impossible for us to select the right assets for our clients without first gaining a clear
understanding of their aspirations, business plans and financial goals. To gain this clarity, we interview
our clients and ask them to complete one or more questionnaires that will enable us to further evaluate
their tolerance for risk. Based on this information, we develop and discuss alternative investment
strategies that will fulfill our clients’ objectives. The investment objectives, strategy and parameters are
codified in a personal Investment Policy Statement (IPS).
b. Diversification of Investment Risk We draw upon a wide investment opportunity set to achieve our clients’ objectives, including stocks,
bonds, real estate, and commodities. Within the equity portion of the portfolio, we seek diversification
across large and small capitalization stocks, U.S. and international stocks, and value and growth-oriented
stocks. For the fixed income portion of the portfolio, we utilize municipals bond funds and ladders,
mortgage-backed securities, emerging market bonds, inflation-protected bonds, international bonds,
and corporate credit funds.
We believe that one key to achieving good risk-adjusted returns is pursuing investment opportunities
throughout the world. The U.S. market represents only approximately 50% of global market
capitalization, and there are large and varied opportunities overseas.
c. Dynamic Asset Allocation We establish prudent ranges around our clients’ strategic allocation targets. This discretion allows us to
dynamically manage broad asset class exposures in order to protect the portfolio from valuation
extremes and/or take advantage of opportunities that offer exceptional appreciation potential. In doing
so, we take account of our clients’ tolerance for risk, the risk-reward profile of the investments under
consideration and the costs of executing.
d. Efficient Investment Execution Our investment philosophy is premised on the belief that capital markets are generally efficient,
meaning that individual security prices reflect all publicly available information. Though prices are not
always correct, markets are so competitive that it is unlikely any single investor—even a professional
one—can routinely profit at the expense of all other investors. As such, we believe that index- and
exchange-traded funds (ETFs) are the most efficient building blocks for well structured portfolios. We
make prudent allocations to actively-managed funds, where there is greater scope for excess returns, or
where there is no comparable passively-managed fund.
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METHODS OF ANALYSIS In designing investment plans for clients, we rely on information supplied by the client and the client’s
other professional advisors. Such information may pertain to the client’s financial situation, estate
planning, tax planning, risk management planning, short-term and long-term financial goals and
objectives, investment time horizon, and perceived tolerance for risk. This information becomes the
basis for the client’s strategic asset allocation, which we believe will best meet the client’s stated longer
term financial goals. The strategic asset allocation provides for investments in those asset classes that
Artemis believes possess attractive return, risk and correlation attributes over the longer term.
We undertake primary research to develop estimates of projected future long-term returns of assets
classes, and their current relative valuations. To develop these estimates, we utilize a wide variety of
sources including general economic and market data, financial newspapers and journals, academic white
papers and periodicals, and data aggregation services (e.g., Bloomberg, Morningstar, etc.). Artemis also
receives research from a variety of firms including Dimensional Fund Advisors (DFA), Alpine Macro, JP
Morgan, Fidelity and other firms.
The above-described analysis forms the basis for the shorter-term dynamic allocation targets we
establish for our clients. These fall within agreed ranges around a client’s strategic asset allocation and
allow us to protect the portfolio from markets tendency to overshoot fair value. For example, although
equities have historically outperformed bonds, valuation extremes such as occurred in 1999-2000
substantially reduced the likelihood of outperformance over the following years. In such circumstances,
holding a dynamic allocation to equities that is below the strategic weight (typically over a 1-3 year
horizon) will result in higher absolute returns. Conversely, when we believe that certain asset classes (or
individual markets) are undervalued, a larger allocation may be warranted. We establish dynamic
allocation ranges in consultation with each client based on their risk tolerance.
TYPES OF INVESTMENTS Each client typically receives an investment portfolio consisting mainly of no-load stock and bond mutual
funds and/or exchange-traded funds. For clients with a substantial municipal bond allocation, Artemis
generally purchases individual bonds with the assistance of a municipal bond broker. For equity
exposure, we rely heavily on mutual funds offered by Dimensional Funds Advisors (DFA). DFA mutual
funds offer broad diversification and most are structured for low turnover, so as to substantially lessen
the often substantial transaction costs incurred by mutual funds and ETFs. For select fixed income
classes (e.g., emerging market bonds, mortgage-backed securities), we rely on actively-managed funds.
Client portfolios will also typically include exposure to publically-traded domestic and international real
estate investment trusts (REITS). Artemis does not recommend any other alternative assets such as
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private equity or hedge funds, due primarily to the extreme difficulty small investors face in gaining
access to the very small minority of funds that have demonstrated a superior investment record.
RISK OF LOSS, GENERALLY Investing in securities involves a risk of loss that clients should be prepared to bear. Artemis’s
investment recommendations seek to limit risk through broad diversification across a range of asset
classes. Additionally, we allocate investment capital dynamically in response to valuation risks and
opportunities. Nevertheless, our investment methodology may still subject the client to potential
declines in the value of their portfolios, which could at times be dramatic. We believe there exists a high
probability, in most market environments, of long-term (i.e., 15 years or more) outperformance of
emerging market, small-capitalization and value-oriented stocks, relative to developed market, large-
capitalization and growth stocks. Hence, the equity portion of our client’s portfolios is tilted toward
these sectors. Accordingly, the normally greater expected return of the equity portion of our clients’
portfolios permits the overall allocation to equities to be smaller than is typical, while the allocation to
fixed income and real assets (i.e., inflation hedges) is larger. Artemis believes that this is the best way to
temper the shorter-term volatility of the stock market, especially for clients who derive income from
their portfolios.
Given fluctuations in the equity risk premium (i.e., the additional expected return for investing in the
broad equity market, relative to U.S. Treasury bills), as well as the value and small cap premiums,
Artemis’s investment approach is best suited for clients with an investment time horizon of a minimum
of ten years. While Artemis seeks to reduce non-compensated risks to which a client may be exposed,
other risks (including but not limited to the risk of a general stock market decline) must be assumed in
order to attain a client’s longer-term financial goals. Artemis cannot provide any guarantee that the
client’s goals and objectives will be achieved.
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Registered investment advisers are required to disclose all material facts regarding any legal or
disciplinary events that would be material to your evaluation of the firm or the integrity of the firm’s
management. The firm has no information applicable to this Item.
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None of Artemis’s management persons are registered, or have an application pending to register, as a
broker-dealer or a registered representative of a broker-dealer.
Further, none of Artemis’s management persons are registered, or have an application pending to
register, as a futures commission merchant, commodity pool operator, commodity trading advisor, or an
associated person of the foregoing entities.
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10. Code of Ethics, Interest in Client Transactions and Personal Trading
The Principal and employees of Artemis may buy or sell the same mutual funds, ETFs and other
investment vehicles that Artemis recommends to its clients consistent with Artemis’s policies and
procedures. In accordance with Section 204A of the Advisers Act, Artemis has adopted a code of ethics
that sets forth the standards of conduct expected of its associated personnel and requires compliance
with applicable securities laws (“Code of Ethics”).
Artemis’s Code of Ethics covers a range of topics including: general ethical principles, reporting personal
securities trading, exceptions to reporting securities trading, initial public offerings and private
placements, reporting ethical violations, distribution of the Code, review and enforcement processes,
amendments to Form ADV and supervisory procedures. Artemis will provide a copy of the Code to any
client or prospective client upon request.
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Artemis requires that its clients move transferable assets to
Fidelity Investments. This is necessary so
that Artemis can provide its clients with consolidated performance reporting and to closely and
effectively manage all client assets. Artemis has negotiated fair and reasonable transaction cost rates in
line with its best execution policies during its engagement with
Fidelity. As part of Artemis’s best
execution policy, Artemis periodically monitors and compares execution prices with those of other
brokers, to ensure that
Fidelity remains competitive.
As a result of Artemis’s advisory agreement with
Fidelity, Artemis receives the following at no charge:
• Online access to client accounts
• Trade order software
• Closing security prices
• Practice management and compliance updates
• Select market research and other publications
• Invitations to educational seminars
The availability of these supplementary products and services is not contingent upon Artemis’s
committing to its preferred custodian any specific amount of trading business.
Artemis does not receive any soft dollar benefits or use client brokerage commissions to obtain research
or other products or services. Furthermore, Artemis does not, and would not, direct client transactions
to a particular broker in return for client referrals or any other service or product.
Artemis has chosen not to aggregate (combine for purposes of securing reduced transaction fees) the
trades of its clients. This is due to the fact that all trade decisions are reviewed for near-term and longer-
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term tax efficiency, which requires individual analysis of most trading decisions. As a result, our clients
do not receive the benefits of reduced transaction fees that such aggregation of trades could provide to
them. However, Artemis’s clients may receive benefits from enhanced tax-efficient portfolio
management, which clients of other investment advisors may not be receiving.
Artemis will, on occasion, utilize brokers other than Fidelity (primarily Advisors Asset Management) to
help with the purchase and sale of fixed income securities. Artemis makes this choice because these
more specialized brokers provide a value-added service of helping the firm design and manage
municipal and corporate bond ladders for its clients.
Artemis periodically monitors these firms’ execution prices with those of other brokers, to ensure that
they are competitive.
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All client accounts are reviewed on a regular basis to determine if the current asset allocation for the
portfolio is out of tolerance with the desired allocation, which is based upon the client’s Investment
Policy Statement (IPS). When a portfolio is significantly out of range, the assets will be reallocated to
keep the portfolio allocation consistent with the IPS.
Every client receives a customized written investment performance report on a quarterly basis in
addition to monthly account statements and trade confirmations received directly from the firm’s
custodial agent,
Fidelity Investments. Clients also receive a written quarterly report, which provides
Artemis’s perspective on the markets and their implications the investment strategies the firm is
pursuing.
Clients can also expect a formal annual review meeting each year, in which the client’s investment
strategy and financial plan are reviewed and updated, as well as communications via email and phone
throughout the year. At the client request, the firm will have quarterly calls with clients.
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Artemis does not receive any compensation or economic benefit directly or indirectly from any advisors
we recommend or select for our clients. Further, Artemis does not pay referral fees or have fee-sharing
arrangements with any firm.
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Artemis establishes a discretionary investment relationship with most of its clients. This type of
relationship helps to facilitate the investment process. For example, it allows Artemis to rebalance
client portfolios when necessary and to request third-party checks for a client. Artemis also may render
non-discretionary investment managed services to clients relative to: (1) variable life/annuity products
that they may own, (2) their individual employer-sponsored retirement plans; and/or, (3) their state-
sponsored educational savings plans. In so doing, Artemis either directs or recommends the allocation of
client assets among the various mutual fund subdivisions that comprise the variable life/annuity product
or the retirement or educational savings plan. The client’s assets shall be maintained at either the
specific insurance company that issued the variable life/annuity product which is owned by the client, or
at the custodian designated by the sponsor of the client’s retirement or educational savings plan.
As previously mentioned, for the vast majority of the firm’s clients, Artemis has the authority to
determine, without specific client consent, funds to be bought or sold, and the amounts thereof.
Importantly, however, the firm’s discretionary authority is bounded by the written investment policy
statement developed for the client and signed by the client. In this same document, Artemis will
explicitly note any limitations clients may place on the firm’s discretionary authority. Artemis is
prohibited from withdrawing funds or securities from clients’ accounts, except for the deduction of
advisory fees.
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Artemis does not vote proxies for clients. Therefore, the firm’s clients retain responsibility for voting
proxies on securities held in all their accounts (including the accounts managed by Artemis). Clients are,
however, welcome to contact us with questions about a particular issue.
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Artemis does not require or solicit prepayment of more than $1,200 in fees per client, six months or
more in advance. Further, the firm is not aware of any financial condition that is reasonably likely to
impair its ability to meet contractual commitments to its clients.
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Form ADV Part 2B March 25, 2020
This brochure provides information about the following individuals: Leigh Bivings, Kathleen McQuiggan,
and Mark Haser and supplements the information provided in the firm’s ADV, Part 2a brochure. Please
contact us at 617-542-2420 if you did not receive our ADV, Part 2a or if you have any questions about
the contents of this supplement.
Additional information about Artemis Financial Advisors and the above-named advisors is also available
on the SEC’s website at
www.adviserinfo.sec.gov. The searchable IARD/CRD number for Artemis
Financial Advisors is 146203.
Artemis Financial Advisors, LLC
115 Newbury Street, Suite 302
Boston, MA 02116
617-542-2420
www.artemisadvisors.net
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Leigh Bivings Ph.D., CFP®, CDFA™
EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE Born: 1958
Education Background: Ph.D., M.A., Applied Economics, Food Research Institute, Stanford University, 1992
M.A., International Trade and Finance, University of Sussex, England, 1986
Post-Graduate Diploma, Economics, London School of Economics and Political Science, 1985
A.B., International Relations, Pomona College, 1980
Business Background: Artemis Financial Advisors (formerly ELB Advisors), Founder and CEO, 2008-present
Stax Inc., Managing Director, 2003-2006
The Monitor Group, Partner, 1992-2002
Affiliations: Boston YWCA: Finance Committee Member
National Association of Personal Financial Advisors (NAPFA), Member
Financial Planning Association (FPA), Member
Boston Estate Planning Council (BEPC), Member
Boston Economic Club, Member
Honors:
AAEA National Prize for Most Outstanding Doctoral Dissertation, 1993
LSE diploma awarded with Outstanding Merit, 1985
International Rotary Foundation Fellowship, 1985
Certifications:
Certified Financial Planner [CFP®]: Accredited by the National Commission for Certifying
Agencies (NCCA), this designation is issued by the Certified Financial Planner Board of
Standards, Inc. (CFPBS) and is granted to individuals who complete a CFP Certification
Examination and as well as to meet the following prerequisites: bachelor’s degree from an accredited
college of university and three years of full-time financial planning experience. In order to qualify, the
candidate must complete a CFP-board registered program or hold one of the following titles: CPA, ChFC,
Chartered Life Underwriter (CLU), CFA, Ph.D in business economics, Doctor of Business Administration or
Attorney’s License. Once issued, the candidate is required to complete 30 hours of continuing education
every two years and must continuously meet the standards administered by CFPBS.
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Certified Divorce Financial Analyst®(CDFA™): This designation is issued by the Institute for Divorce
Financial Analyst™ (IDFA) and is granted to individuals who complete a four-part educational curriculum
and certification exam that tests their understanding and knowledge of the financial aspects of divorce.
The candidate must also demonstrate the practical applications of this knowledge in the divorce process
by completing a comprehensive case study. CDFA practitioners must have a minimum of three years of
work experience in a financial or legal capacity prior to earning the right to use the CDFA certification
marks. Once certified, CDFA practitioners are required to maintain technical competence, fulfill ethical
obligations, and remain a member of IDFA in good standing. Every two years, CDFA practitioners must
complete a minimum of fifteen continuing education hours.
DISCIPLINARY INFORMATION
Artemis Financial Advisors is required to disclose the pertinent facts regarding any legal or disciplinary
events material to a client’s evaluation of Leigh Bivings. Artemis has no information to disclose in
relation to this item.
OTHER BUSINESS ACTIVITIES None
ADDITIONAL COMPENSATION None
SUPERVISION Leigh Bivings is not a supervised person.
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Kathleen McQuiggan
EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE Born: 1968
Education Background: B.S. Business Administration, Finance concentration, Towson University, 1990
Financial Planning Certificate Program, Bryant University, 2018
Business Background: Artemis Financial Advisors, Wealth Advisor, 2017 – present
Catalina Leadership, Founder and President, 2009 – present
Pax Ellevate Management, Managing Director, 2014 – 2017
Pax World Management, Senior VP, Global Women’s Strategies, 2014 – 1017
Goldman Sachs, Vice President, 1996 – 2009
Alex. Brown, Vice President, 1990- 1996
Honors:
Investment News Women to Watch, 2015
Affiliations / Other: Forte Foundation, Board of Directors
Women Working for Oceans, Board of Directors
New Hampshire Charitable Foundation, Investment Committee Member
Invest for Better, Advisory Council
National Association of Personal Financial Advisors (NAPFA), Member
Financial Planning Association (FPA), Member
SheEO, Member
Certifications:
Kathleen passed her Series 65 exam in June of 2017.
DISCIPLINARY INFORMATION Artemis Financial Advisors is required to disclose the pertinent facts regarding any legal or disciplinary
events material to a client’s evaluation of Kathleen McQuiggan. Artemis has no information to disclose
in relation to this item.
OTHER BUSINESS ACTIVITIES President, Catalina Leadership, 2009 - present
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ADDITIONAL COMPENSATION None
SUPERVISION Kathleen is supervised by Leigh Bivings, who can be reached at 617-542-2420. Leigh meets bi-weekly
with Kathleen and reviews all of her work.
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Mark Haser, M.B.A., CFP®
EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE
Born: 1983
Education Background: B.A., Economics, Wake Forest University, 2005
M.B.A., Boston College, 2013
Business Background: Artemis Financial Advisors, Financial Planner, 2018-present
Kyruus, Manager, 2017-2018
Athenahealth, Senior Associate, 2015-2017
iGATE, Sales Manager, 2013-2015
Dept. of Justice, Associate, 2009-2011
Dun & Bradstreet, Account Consultant, 2006-2009
The Vanguard Group, Client Relations Associate, 2005-2006
Honors:
Marketing Informatics, Boston College
Certifications:
Certified Financial Planner [CFP®]: Accredited by the National Commission for Certifying
Agencies (NCCA), this designation is issued by the Certified Financial Planner Board of
Standards, Inc. (CFPBS) and is granted to individuals who complete a CFP Certification
Examination and as well as to meet the following prerequisites: bachelor’s degree from an accredited
college of university and three years of full-time financial planning experience. In order to qualify, the
candidate must complete a CFP-board registered program or hold one of the following titles: CPA, ChFC,
Chartered Life Underwriter (CLU), CFA, Ph.D in business economics, Doctor of Business Administration or
Attorney’s License. Once issued, the candidate is required to complete 30 hours of continuing education
every two years and must continuously meet the standards administered by CFPBS.
Mark passed his Series 65 exam in August of 2018.
DISCIPLINARY INFORMATION Artemis Financial Advisors is required to disclose the pertinent facts regarding any legal or disciplinary
events material to a client’s evaluation of Mark Haser. Artemis has no information to disclose in relation
to this item.
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OTHER BUSINESS ACTIVITIES None
ADDITIONAL COMPENSATION None
SUPERVISION Mark Haser is supervised by Leigh Bivings, who can be reached at 617-542-2420. Leigh meets weekly
with Mark and reviews all of his work.
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