Tom O'Dowd, CFO A native of Manchester NH, Tom married Mary Avery in 1958. Tom took over operations of Avery Insurance from the late Howard Avery in 1967. Tom is a graduate of Saint Anselm College and holds CPCU, CIC and ARM insurance designations. He serves on the Board of Directors for Community Bank & Trust. Tom has 4 children and 7 grandchildren; he is an avid skier and also enjoys sailing, hiking and mountain biking.