ROB MALENFANT

Rob Malenfant's financial services career began in the collections department in the windowless basement of a Boston bank branch where he called on delinquent debtors and assisted on deals as he worked his way up to loan officer. "I learned about proper risk management, and I also became pretty efficient and effective on the phone as a prospector, which I later used in building my business as an advisor," he recalls. Malenfant's career as a loan officer was sidetracked by a fortuitous late-evening house call to a Smith Barney branch manager around 8:30 p.m. Noting how late Malenfant worked, the branch manager told him he should check out the investment side where the hours were better.

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