Financial Services Team

Investment advisory services are offered by Nate Nichols, an Investment Adviser Representative of Advisory Alpha, a Registered Investment Adviser. Jim Fairfield is not licensed to provide investment advisory services.

Nate Nichols

Nate Nichols is President of Gosline Retirement Planning and committed to helping hard-working people retire with confidence. He is an Investment Advisor Representative under Advisory Alpha, an SEC Registered Investment Advisor. He also has a life insurance license with the state of Maine. Nate is affiliated with the Ed Slott Elite IRA Advisor Group and has earned Top of the Table honors through the Million Dollar Round Table (MDRT). Nate is eager to continue his education to help retirees and employees understand the most up-to-date knowledge the industry has to offer. Family and community are very important to Nate. He actively coaches youth sports and volunteers within multiple organizations throughout the community. Nate is married with two children and a lifelong resident of central Maine.

Jim Fairfield
Senior Account Manager

Jim Fairfield is a Senior Account Manager with Gosline Retirement Planning and has spent the last 5 years working to help people retire comfortably and securely. He has his Life and Health Insurance license with the State of Maine. Jim is a certified Social Security Advisor with the NSSA and has helped many clients navigate the complexities of signing up for Social Security benefits. He also works with our clients to help them understand Medicare and the various options available to them. Prior to joining the company, he was a Senior Vice President for a local bank and worked extensively in finance and accounting. He obtained his BA and MBA from the University of Maine. He has been active in the community by serving as Treasurer of the local Little League and by serving on the local school board.

Brittany Harrington
Account Manager

Brittany Harrington is an Account Manager at Gosline Retirement Planning. Brittany understands the importance of details and progress when working with clients. She creates meaningful relationships with clients as they plan for retirement and, sometimes more importantly, throughout their retirement years. She is always working on continuing education in the industry to best serve our family of clients. She also functions as a key member of the team by managing office operations and compliance. Brittany obtained a BA and MS Degree from the University of Southern Maine. Brittany lives in Central Maine with her husband and two dogs. She spends her leisure time going to camp and exploring the Maine outdoors.

Michelle Russell
Senior Health Services

Michelle Russell is our Senior Health Services Account Manager, specializing in Medicare education and enrollment. A graduate of the University of Maine in Orono, she earned her BA in Psychology with a minor in Health Education. She holds a Maine State license in Life and Health Insurance. Prior to joining our team, Michelle spent over two decades working in crisis intervention and health prevention/education roles. She understands how overwhelming and confusing it can be to navigate the healthcare and insurance systems on your own. She looks forward to educating and assisting customers in making quality decisions regarding their various Medicare options. Michelle has strong community ties in Central Maine and is passionate about giving back. She lives in Farmingdale with her fun-loving daughter, Gabby. Outside of work, she loves running, baking, and enjoying the beautiful Maine outdoors.

Bio Coming Soon.

Gosline Retirement Planning

We Help Clients Retire Confidently


Our Investment Team

Members of the Investment Team are licensed with Advisory Alpha, LLC, a SEC Registered Investment Advisor.

Steve Osterink, Jr.

Steve Jr. is the driving force behind the development and innovation of our investment solutions and platform. He leads the investment team and brings more than a decade of experience to the firm as well as extensive knowledge of personal finance and asset management, as evidenced by his CFA®, CFP®, and AIF® designations.

Steve Osterink, Sr.
Investment Team

Steve Sr. began his career in the financial services industry nearly 40 years ago. He has vast experience working directly with clients and has built a thriving financial advisory practice of his own. Steve Sr. co-leads the Investment Team and is also instrumental in supporting financial advisors based on his extensive experience. Around our offices, he has an uncanny ability to focus in on practical solutions to complex problems, and his wisdom is a valuable resource for virtually every component of the firm. Further, his leadership and counsel are critically important as the Investment Team strives to navigate the ever-changing global economy and financial markets.

Jon Lohr

Jon manages the daily investment research and portfolio management responsibilities for the Investment Team. This includes a broad range of functions such as, asset allocation research, fund monitoring and due diligence, investment strategy evaluation and implementation, and performance monitoring. Jon has a diverse background in corporate finance and investment management, but also a strong passion for the industry which is demonstrated by his successful completion of the Chartered Financial Analyst (CFA®) program.

Nick Heinrich

Nick has an unwavering focus on helping clients achieve their financial goals and aspirations by serving as a dedicated financial planning consultant for our advisor partners. As a part of this process, he leads the development and implementation of the firm’s portfolio analysis and planning resources designed to improve the financial situation for clients. With his successful completion of the Certified Financial Planner (CFP®) program, Nick is positioned to craft comprehensive solutions to complex financial challenges that span across all components of the financial planning process.

Brian Kragt
Investment Team

Brian is responsible for the firm’s trade management processes which includes everything from implementing portfolio investment decisions, account rebalancing, cash management functions, and trade execution. With strong attention to detail and dedication to responsiveness and efficiency, Brian also manages our portfolio management system. This system is foundational to all back-office functions including transaction reconciliation, account billing, client reporting, and web access.

Mike Baker
Investment Team

Mike has a strong background in computer science and statistics which aids in his role as a key member of our operations team. He leads our technology initiatives as well as supports the trade management and portfolio accounting functions.

Janine Osterink
Investment Team

Janine manages our accounting and financial systems, human resource functions, and office operations. She is also a key member of our compliance team and supports various departments across our firm including trading, financial planning, performance reporting, and account billing.