Welcome to Prime Financial, Inc.
Smart Advice and Real Conversations
Who We Are
We’re a well established, service-driven financial firm based in Maine, providing solutions for more than 30 years to individuals, families, and business owners across the country. Whether you’re planning for retirement, managing investments, or organizing your financial life, we offer a high-touch experience rooted in responsiveness, transparency, and trust. When you reach out, you connect directly with our team. No call centers. No layers of complexity. Just thoughtful guidance, clear communication, and a relationship that grows with you. Together, we’ll protect your future with confidence.
Meet the Team
Our team brings decades of experience and a deep respect for the people we serve. We believe that good planning is personal. It’s about simplifying the complex, making space for clarity, and building relationships that last through every season of life.
CEO | Private Wealth Advisor
Michael Cleary
Mike has been helping clients achieve their financial goals since 2014, building a career on trust, collaboration, and personalized guidance. A graduate of the University of Maine with a degree in Finance, he holds Series 7, 66, and Life & Health licenses. After several successful years as an advisor, Mike proudly became the owner of Prime Financial in 2023.
Mike’s approach centers on creating clear, achievable strategies tailored to each client’s unique needs, ensuring they feel confident in their financial decisions. Outside the office, he enjoys hiking, camping, and exploring the outdoors with his wife, Christine, and their son, Declan. The family shares a love for adventure, from climbing Katahdin to visiting scenic peaks throughout New England.
Chief Wealth Advisor | Partner
Christopher Steiner
Chris began his financial services career in 2015, earning Series 7, 66, and Life & Health licenses along the way. A Virginia Wesleyan College graduate with a background in biology and chemistry, Chris brings a unique perspective and a diverse career history to his role. His true passion lies in helping clients understand their options and build plans that fit their lives.
Raised in Troy, Maine, Chris has deep roots in the local Maine community. When he’s not working with clients, you’ll find him enjoying the outdoors with his fiancée Terri and their five boys. Hunting, fishing, and connecting with nature are lifelong passions that keep him grounded and inspired.
Crystal Stone
Senior Client Relationship Manager & Wealth Administration Supervisor
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Crystal joined Prime Financial in 2018 with over a decade of financial industry experience. She holds multiple licenses and is known for her attention to detail and dedication to client service. Outside the office, she enjoys outdoor adventures and family time with her husband and kids.
Christine Cleary
Chief Operating Officer & Director of Business Development
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With 16+ years in banking and benefits, Christine helps business owners and individuals navigate group benefits and Medicare with clarity and care. She’s a strong advocate for local businesses and enjoys exploring Maine with her husband, son, and their dog, Waffles.
Molly Darling
Client Experience Coordinator
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Molly ensures every client feels welcome and cared for from the first interaction. With a background in administration and customer service, she brings efficiency, warmth, and attention to detail. She lives in Madison with her family and loves DIY projects, antiques, and interior design.
Denisha Campbellton
Client Solutions Coordinator
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Denisha helps clients find quick, thoughtful solutions with empathy and expertise. She’s expanding her financial knowledge with plans to earn her Life & Health license. Outside of work, she enjoys painting, card-making, and time outdoors with her family in Waterville.
Beth Nelson
Senior Client Relationship Manager
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Beth brings nearly 30 years of financial experience, including a strong background in banking and investment services. Licensed across several areas, she focuses on clear, client-centered support. A Waterville native, she enjoys spending time with family and life in Maine.
Tristan Emery
Client Services Associate
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Tristan joined Prime Financial in 2025, bringing accounting and tax expertise to the team. He’s working toward becoming a licensed advisor, with a focus on helping younger clients plan for the future. Outside of work, he enjoys skiing, golfing, and fishing in Maine.
Check the background of investment professionals on FINRA’s BrokerCheck.
What We Offer
We provide comprehensive financial services for individuals, families, and businesses. Our services are designed to make financial planning feel clear, accessible, and aligned with your life.
Investment Services
- Stocks, Bonds, Mutual Funds
- CDs, Money Market Accounts
- Education IRAs
Insurance Solutions
- Life, Health, Disability & Long-Term Care
- Group or Individual Coverage
Retirement Planning
- Traditional & Roth IRAs
- 401(k), 403(b), & SIMPLE Plans
- Rollovers, SEP & Profit Sharing Plans
- Pensions & Age-Weighted Plans
College Planning
- 529 Education Savings Plans
- Coverdell IRAs
Annuities
- Fixed & Variable Options
Client Resources
We provide secure, convenient access to the tools you rely on to stay connected, informed, and in control of your financial life. Below are direct links to our most commonly used client platforms:
Wealthscape Investor
CIRStatements
CLIC Client
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Let's Talk
Whether you’re planning ahead or feeling unsure where to begin, we’re here to help. Reach out today to schedule a no-pressure, no-obligation consultation. Full website coming soon!
- Office: 753 W River Rd, Waterville, ME 04901
- Phone: 207-877-9450
- Fax: 207-877-8876
- Email Mike
- Email Chris