Welcome to the North Shore Business Forum

Upcoming ProgramNSBF Meeting


March 15, 2019

Lifecycle Financing:  Anatomy of the American Dream

The stages of our lives create different challenges and opportunities for which we generally seek financing to supplement our savings and income. Let’s examine three:

  • Buying a first home

  • Starting a new business

  • Retirement

What are the traditional approaches to these challenges, and what are some non-traditional approaches that might present new opportunities?

Kim Carpentier is a mortgage loan officer with Cross Country Mortgage. His business career spans 35 years of business ownership and business consulting.  His last company, Valley Credit Builders (est. 2010), helped many individuals and small business owners to repair and rebuild their credit. Many of his clients were referred by the mortgage industry which led to his appreciation of the complexities of the mortgage industry – and eventually to a successful transition into licensed Mortgage Loan Officer (NMLS #122345).  O: 978-267-1473  Kim.Carpentier@myccmortgage.com

Brett Kirkpatrick (NMLS #38612) plumbed the complexities of the mortgage industry while buying a first home in 1989. In 1993, he originated his first professional mortgage, and since 2001 has specialized in helping senior homeowners with the FHA home equity conversion mortgage (HECM), the only federally insured reverse mortgage program. O: 800-599-8700  bkirkpatrick@harbormortgage.com

7:30 – 8:30 am.  Come early and stay late.

  Hope you can put it on your Calendar.

  The North Shore Business Forum, Inc. (NSBF) is a group of small business owners from Boston’s North Shore who meet on the first and third Friday of each month for informal lectures given by business owners on a wide variety of topics. Members give a 30-second introduction of their business at each meeting. All business owners are welcome: future, past, profitable, experienced or beginning. Meetings are from 7:30 to 8:30 a.m. (registration starts at 7:15 –  includes a hot breakfast) at Acapulcos, 900 Cummings Center, Beverly, MA.

Contact: Mark Beckley, NSBF President, (781) 454-9612, Email: events@nsbforum.org



  • The Forum welcomes hearing your suggestions for dynamic speakers you may know or have heard, as well as topics you are interested in learning more about. 

The North Shore Business Forum is re-instituting the concept of having members share their expertise with other members on an informal basis, in brief, no-cost sessions after its Friday morning networking meetings.

If you are an NSBF member with an interest in offering your own “Meeting After the Meeting” session in the future, please see NSBF President Brett Kirkpatrick at one of our meetings, or email him at events@nsbforum.org .

If the Beverly, MA public school system announces a “no school” snow day on one of our scheduled Fridays, then the NSBF meeting for that day will be cancelled. Check the NSBF Facebook page for updates as well. (See our “About NSBF” page for more information.)