Dan Chartrand

Board Chair

Dan, after serving a 10-year apprenticeship in bookselling and publishing in both St. Paul, MN and Boston and Cambridge, MA, came up to Exeter, NH in the spring of 1991 to open Water Street Bookstore, Inc. The mission of Water Street Bookstore remains “to build a vibrant and diverse community around the written word.” Together with his bookselling staff, Dan accomplishes this mission by expertly weaving together the bookstore’s patrons with the work of authors that are renowned locally, nationally and internationally.

Dan has passionately and joyously served the beautiful town of Exeter as a volunteer on non-profits and in-town government. Board memberships include service with the Squamscott Community Commons and the First Unitarian Universalist Society of Exeter. Dan also served a six-year stint as an elected town official on Exeter’s Select Board in March of 2018.

Tom Donovan

Board Vice Chair

Tom is a New Hampshire-native lawyer who spent most of his career as a partner at McLane Middleton, the state’s largest law firm. His practice focused on commercial and intellectual property litigation. He was also engaged in the management of the firm. Outside of work, Tom has been actively engaged in community activities. He has served on the boards of directors of many nonprofit organizations, and has chaired the boards of Waypoint, Leadership New Hampshire, Norwin & Elizabeth Bean Foundation, Palace Theatre, and the Foundation for the Development of Democratic Rights (Hungary). As an elected member of the Manchester School Board, he chaired its finance committee. He chairs the finance council of St. Anne-St. Augustin parish.

In 2014, Tom and his wife joined the United States Peace Corps, serving for more than two years in Botswana. They were principally engaged in HIV prevention activities at rural secondary schools. Tom also taught math and coached softball and track. Upon his return from the Peace Corps, Tom spent seven years as the Director of Charitable Trusts in the New Hampshire Attorney General’s Office. Tom led a bureau responsible for the oversight of more than 10,000 charitable organizations. He instituted enforcement actions relating to management and governance failures within charities, reviewed merger transactions for health care organizations, and trained many boards of directors in their fiduciary responsibilities. He graduated from Phillips Exeter Academy, Harvard College, and the University of Pennsylvania Law School.

Heather Whitfield

Board Treasurer

Heather currently serves as Senior Vice President and Commercial Portfolio Manager at Bar Harbor Bank and Trust. She has over 40 years of banking experience, with a strong focus on commercial lending, credit underwriting, asset management, loan review, and business development. Prior to Bar Harbor, Heather was a Senior Vice President and Commercial Loan Officer at M&T Bank, where she managed a sizable loan portfolio of commercial clients in Southern New Hampshire over seeing all aspects of lending and client relationship management with a particular focus on the Senior Living Industry. Until recently, she was an active member of the Families in Transition’s Board of Directors for over seven years, serving terms as Chair and Vice Chair. Heather has also held board and committee roles for various organizations, including Housing Benefits, a subsidiary of Families in Transition; The Granite YMCA; Special Olympics New Hampshire; and Heritage United Way. She is a graduate of the Greater Manchester Chamber’s Leadership Manchester program. She is also a former member of The Manchester and Derry Rotary Clubs.

Heather graduated from Southern NH University with a Bachelor’s degree in Business Administration and a Minor in Accounting and is a lifelong resident of Manchester, NH.

Deborah Karmozyn

Resident Trustee, Clerk

Deborah brings over 45 years of experience in educational administration in non-profit and accredited international schools around the world, in New Hampshire public schools, and as an active participant on boards in non-profit organizations both in the United States and abroad. Deborah served as school principal of five prestigious K-12 international schools, all non-profit and accredited and offering the International Baccalaureate (IB) Program: American School of Milan, Italy; Copenhagen International School, Denmark; Shanghai American School, Pudong Campus, Shanghai, China; American School of Doha, Qatar; and the United Nations International School, New York City. She also served on the IB Primary Years Program Development Committee (Europe), on the EARCOS (East Asia Region Council of Overseas Schools) Conference Committee in Shanghai, and as co-chair of ECIS (European Council of International Schools) accreditation committees around the world. She also taught in and was a former principal in SAU 9 and SAU 13 (Mt. Washington Valley, NH). Deborah’s leadership included experience in strategic planning, educational program and curriculum development, budget development and management, accreditation standards and implementation, hiring and evaluation of staff, marketing, leadership and board training, school consultation, hiring and evaluation of staff, and school construction of and opening a new school campus in China.

She returned to the Mt. Washington Valley in 2010 to be a full-time caregiver for her father who had Alzheimer’s Dementia. She continued to be active in the community, serving on boards including the Rotary Club of North Conway (secretary and BOD), Mt. Washington Valley Dollars for Scholars, OLLI (Osher Lifelong Learning Institute) in Conway, and the Community Advisory Board for the Memorial Hospital. She is a lifetime member of the Girl Scouts of the USA and cherishes her past experiences as a scout and leader/trainer. Deborah and Michael moved to RWD in March 2020, where she serves on the UNH Committee and the Employee Appreciation Fund Committee. Deborah holds a Master’s Degree in Educational Administration from UNH, a Master’s Degree in Early Childhood Education from Wheelock College, and a Bachelor’s Degree in Elementary Education from Plymouth State College (summa cum laude).

Walter Burgin

Resident Trustee

Walter has spent most of his life learning and teaching mathematics, since he first began to see its wonderful simplicity and complexity early in his college years at Dartmouth. His other academic credentials include doctoral work in mathematics at Princeton and a Masters in Education at Harvard. He had early experience with research focused on artificial intelligence working at IBM. He taught briefly in a college but most of his teaching has been in independent secondary schools: his own (Mercersburg Academy in Pennsylvania), Philips Exeter, and finally Sidwell Friends School and Maret School after he had retired to Washington, DC. For 25 years, Walter worked at being successful in the classroom while also being Headmaster at Mercersburg. Since returning to Exeter seven years ago, he has tutored at Philips Exeter.

For four years he was Executive Director of the Edward E. Ford Foundation, which serves independent schools, and for 20 more years he served on its Board, fifteen of those as Chair. Other commitments have been tied to his work in independent schools or the places where he and his family have lived: for the former – the Boards of the Pennsylvania, Greater Washington, and National Associations of Independent Schools; and for the latter – the Boards of the Mercersburg Development Council, California Court Condo Association, Sheridan Kalorama Call Box Committee, and Electric Earth Concerts; and an assortment of committees at RWE.

Kirsten Corazzini

Trustee

Kirsten is Dean and Professor, College of Health and Human Services, University of New Hampshire. Prior to her appointment in 2022, Dean Corazzini served as the Associate Dean for the PhD Program at the University of Maryland School of Nursing. Her academic administration leadership positions build upon almost 20 years as a faculty member at the Duke University School of Nursing, where she retains an emeritus faculty appointment. Dean Corazzini earned her doctoral degree in Social Gerontology from the McCormack Graduate School of Policy Studies at the University of Massachusetts-Boston. The focus of her research is on improving care outcomes of chronically ill older adults in residential long-term care settings, with a particular focus on person-centered care. Her research has been funded by the National Institutes of Health, the John A. Hartford Foundation, and the National Council of State Boards of Nursing (NCSBN). Kirsten was awarded a Fulbright-Schuman Fellowship in 2015 for her cross-comparative research on professional nursing and nursing home care in the European Union. In recognition of her contributions to the field of gerontology, Dean Corazzini was appointed Fellow, Gerontological Society of America (GSA), in 2012, and currently serves as Vice Chair of the society’s Health Sciences section.

Dick Crosbie

Resident Trustee

Dick is the President of Crosbie Consulting Company, a firm that specializes in the chemical, materials, and assembly processes for athletic footwear. He founded the business in 2002 after retiring from Nike Inc. where he was the Global Director of Chemical Engineering Operations for 20 years. During his tenure he created several innovative processes in the manufacturing of Nike’s footwear. Several of these innovations reduced Nike Factories’ dependence on Volatile Organic Solvents (VOCs) by 90% resulting in a savings of 2,000,000 gallons/month. He also authored Nike’s first Lab Manual which is used throughout the footwear industry. During his tenure with Nike, Dick and his wife Sandy spent 14 years working in Asia. Prior to joining Nike, Dick worked for the Consumer Products Division of Uniroyal Inc. Starting his career there as a Research Chemist in the Footwear section eventually rising to the position of Technical Director and QC Manager of their Dublin GA Facility.

Dick is a graduate of the Kent School in Kent, CT and a graduate of Washington & Jefferson College in Washington, PA where he went through as a pre-med student, graduating with a BA in Philosophy. In 1965 he enlisted in the Army and became a Commissioned Officer after completing the Infantry Officer’s School (Officer Candidate School) in Fort Benning. He went through Parachute Training and was assigned to the 7th Special Forces Group in Fort Bragg, where he earned his “green beret” going through the Special Warfare School. In 1967, he was assigned to Vietnam and the 5th Special Forces Group. He served in a staff position and Company Commander of a Chinese Nung Security Company on a B Team in the III Corp Area. He was also the Executive Officer for A-Team 343 in Duc Phong where he was involved in several combat operations garnering a Purple Heart for wounds received in one of those operations. He has been a resident at the Ridge in RWE for 8 years and he served on the RWE Resident Council for 3 years, 2 years as Chair. He also has served on the RWE Charitable Funds Committee for 7 years, 4 years as Chair.

Dick Crosbie

Trustee at Large

Curt graduated from Mount Hermon School (1960) and Hobart College (1964). After several years in the Navy, and a short venture in banking, Curt spent the balance of his career in the U.S. jewelry manufacturing industry.

His first assignment was with the Armbrust Chain Company in Providence, RI, a family-owned multi divisional manufacturer of jewelry chain, leaving as VP/Treasurer. He joined the Howard H. Sweet Company, a struggling competitor chain manufacturer in Attleboro, MA., as President. Following a successful turnaround effort, he sold the company to Tiffany & Co. and relocated to NYC as Vice President of Manufacturing, responsible for Tiffany’s five manufacturing plants. Curt returned to NE assuming the leadership of B.A.Ballou in Providence, on whose Board of Directors he had served for a number of years, as President, CEO and Chairman of the Board. He retired in 2007 and subsequently accepted a one-year assignment as Interim President and CEO of MJSA, a national trade association on whose Board he had sat for over twenty years, with instructions to develop a strategic plan and hire the permanent leader.
Throughout his career, Curt was involved with not-for-profits, both industry and community-related, a source of pride. Most significantly, he served on the Board of an acute care hospital for over twenty years, five of which as its Chair. In retirement, he served on the Board of Blithewold, an historic Manor home and Arboretum in Bristol RI, the last three years as its Chair. Curt and his wife Pat have two daughters and one grandchild, all well and happily situated, perhaps the greatest source of pride.

Debby Miller

Trustee

Debby retired in 2023 after serving in the financial services field for over 40 years. She worked at Citizens Bank as Senior Vice President of Corporate Affairs for the New England region overseeing Community Relations, Public Affairs, Marketing Sponsorships, Government Relations and the Community Reinvestment Act (CRA). The last 10 years of her career was spent in nonprofit financial services at the New Hampshire Community Loan Fund as Executive Vice President of Philanthropy & Strategic Partnerships.

At the Community Loan Fund, Debby was a member of the senior management team where she developed and executed on strategies in fundraising, investors capital raising, marketing and communications and public policy. She currently serves on several boards including Bar Harbor Bank & Trust, Granite Edvance and Coastal Enterprises Inc (CEI) and is a member of committees such as risk management, governance, and compensation. Previous board experience include the University System of New Hampshire Board of Trustees (chair of external affairs committee), Whittier Street Health Center, Roxbury MA (board chair), Winston-Salem State University (board chair). In her volunteer experience, Debby led a successful merger of two housing organizations in Nashua and also led a successful chancellor search and leadership integration at WSSU.

Maria Mongan

Trustee

Maria, born in Manchester, NH, attended local schools and graduated from Wellesley College, Wellesley, MA in 1977 with a BA in Economics. Upon graduation, she was hired by New England Telephone under the management trainee program and started her career in the Boston area. She held a range of assignments in the premier, large and medium business sectors in customer service, sales, and network operations with New England Telephone, NYNEX, Bell Atlantic and on a national basis with Verizon. She has extensive leadership experience in both the retail and wholesale business markets, overseeing both IBEW and CWA union and management personnel across the nation. She retired as Area V.P. of Wholesale services overseeing national ordering, provisioning, and maintenance escalation of all local wholesale products and national Collocation.

Maria has volunteered on numerous non-profit boards, servings as Chairman of the Board of Trustees of Catholic Medical Center and on the board of GraniteOne Health System, the Norwin and Elizabeth Bean Foundation, President of the Board of Directors of the Manchester Boys and Girls Club, and board member of the Palace Theatre and Greater Manchester YMCA. Presently, she is Secretary of the Manchester Development Corporation and on the External Nominating Committee of Northeast Delta Dental.

Patrick Parisi

Trustee

Patrick is a Director at BMO Family Office, an integrated wealth management provider that serves ultra-affluent individuals, families and family offices across their tax, estate, investment, philanthropic, risk and family capital needs. Patrick’s primary responsibility is to assist clients with the management of their portfolios and is directly involved in developing and implementing long-term investment policies, analyzing client portfolios, recommending appropriate portfolio allocations and advising on traditional and alternative investment managers. Prior to joining BMO Family Office in 2004, Patrick was the director of manager research at a RIA, where he designed and implemented the manager research process. He has also worked as a senior research analyst where he supported consultants and evaluated traditional and alternative investment managers. Patrick has been in the investments industry since 1995.
Patrick lives with his wife and two daughters in the Seacoast of New Hampshire. In his time away from work Patrick enjoys playing hockey, hiking and spending time with the newest member of his family Lucy (chocolate Labrador retriever). Patrick is a member of Investments & Wealth Institute. He received a BS with honors in business administration from the Whittemore School of Business at the University of New Hampshire.

Ralph Ragucci

Resident Trustee

Ralph has been a part of the RWM community since July 2018. Ralph graduated from Harvard University and has held diverse roles in Manufacturing, Investing Institutions, Banking, and State government, both in technical and managerial capacities, culminating as Chief Operating Officer and, later, Chief Information Officer. During his tenure as CIO, one of his key responsibilities was defining the I.T. direction for the Commonwealth while devising a strategic plan to achieve objectives. Currently, he works as an Information Technology Consultant. In addition to professional endeavors, he is actively involved in various roles within the community, serving as Resident Council Vice-Chair and Chair of the Resident’s Finance Committee.

Ralph strives to welcome and assist new residents while promoting educational opportunities. He participates as a presenter in Downsizing and Financial seminars and speaks in Employee Onboarding and Orientation Programs. Participation in these committees allows Ralph to share knowledge and support the growth of our community.

Paul Young

Trustee

Paul, an entrepreneur, has founded six successful businesses including founding Novus Public Affairs where he currently is a strategic advisor to the company. He has built winning coalitions and positive public images for both the public and private sectors. His achievements include creative public relations campaigns for Fortune 500 companies, leading business and trade organizations, and not-for-profit organizations. Paul began his career in 1980 working in the United States Senate where he founded the Congressional Task Force on Afghanistan, helping the resistance movement defeat the Soviet empire. He has served as a strategic advisor to seven presidential campaigns and numerous congressional, state and local candidates. Paul’s work in the public arena includes media NBC, CBS, ABC News, CNN, National Public Radio, The Wall Street Journal, The New York Times, the Washington Post, The LA Times, Time Magazine, and foreign publications. He has publicly presented to institutions such as the Kennedy School of Government, Harvard University, UNH and the United Nations.

Paul has been actively involved with New Hampshire non-profits including six-years as Chair of Dismas Home of New Hampshire, a residential program for justice-involved women providing a unique two-phase approach that supports recover and restores physical, emotional, and mental health through extensive therapy, as well as workforce education for up to 15 months in a home environment. He recently served as the Capital Campaign Chair raising funds for Dismas’ newly opened second home in Rochester, NH. Paul is a native of New Hampshire and currently lives with his wife Anne in Portsmouth. He is a graduate of The American University in Washington, DC with a degree in government.

Justine Vogel

CEO, Trustee

Justine, a graduate of Rutgers University School of Business with a B.S. in Accounting, began work at RiverWoods as part of the pre-opening team in June 1994. Her tenure at RiverWoods began as the Director of Accounting, with growth into the role of CFO in 1997, COO in 2005 and President/CEO in 2007. Ms. Vogel’s prior experience includes several years in auditing and financial analysis with Arthur Andersen & Co., Ernst & Young, and Chubb Life Insurance Company. Ms. Vogel is a certified public accountant in the state of New Jersey and serves as a Trustee of the Unitil Board of Directors. Ms. Vogel has lectured at the University of New Hampshire and is a frequent speaker at local, regional and national industry conferences on topics including strategic management, growth planning, culture development and financial oversight.