COFE was established with a desire to serve and educate people in all areas of retirement and financial health. We are committed to maintaining a robust standard of ethics and professionalism. Each educator has agreed to comply with COFE’s Membership Bylaws, Compliance Guidelines, and to complete a mandatory Instructor Orientation.
Our instructors are licensed in their particular state and area of expertise, and have successfully completed a professional and criminal background check prior to their acceptance as members.
Don Adams brings 18 years of experience in the financial services industry to the classroom. He has served as a licensed broker, insurance and annuities agent, and full-service financial advisor. Don also spent 16 years in the United States Army as an Infantry Non-commissioned Officer and is a veteran of the Persian Gulf War. Always a student of finance, he is currently enrolled in the College for Financial Planning’s Certified Financial Planner program.
Ralph S. Adorno, CLU is an independent financial specialist with more than 49 years of experience, insight and wisdom, dedicated to estate, retirement, and insurance tax planning strategies. His clients, coast to coast, have a net worth ranging from $2 billion and below.
Ralph helps clients using safe, proven, time tested tax saving ideas designed to create, preserve and maximize assets, income, prosperity, and legacy. His experience has enabled him to start an accounting firm, leasing, building and real estate development company managed by family members.
His wealth creation, preservation and maximization ideas has allowed him to donate $500 thousand to a cancer research institution in memory of his mother.
Ralph began finance as a life insurance agent with John Hancock in 1970. He started a boutique firm in 1979 that offers highly specialized life insurance tax strategies and services to wealthy clients.
In 1985, he taught estate and tax planning with life insurance at New York University (NYU). In 1986, he became a Registered Investment Advisor (RIA).
Ralph is currently a licensed insurance broker and consultant, member of The National Association Insurance and Financial Advisors and Planned Giving Center. He’s listed in Who’s Who in Finance, 2013. He has written articles for CBS, Fox, NBC, ABC, Wall Street Select. Clients enjoy reading his Tax Saving Ideas newsletter and weekly planning tips.
In 2005 he purchased a 60-acre farm in Putnam Valley, N.Y. to share family moments and a family legacy. As an energetic life-long learner, Ralph’s passion is to help clients accomplish their dreams, live a better quality of life, and leave a legacy to people/causes they love.
Fozia Andarge graduated from University of Central Florida with a B.S. degree, majoring in Finance. Upon graduation, she worked at an investment bank as a stockbroker then at an insurance company as registered representative. Both of these positions allowed her to gain valuable experience, as well as develop the foundation for her business. Fozia’s ultimate dream was to be an independent financial planner and business owner. She founded FM Financial Services in 1992 and the company was incorporated in State of Florida in 2000.
FM Financial Services has evolved over the years, at first financial products were the only services offered, but after careful planning and strategizing, Fozia recognized the need to diversify her services. In 1996 she added accounting services for small to medium sized business and individuals. Years later, she attended Keller Graduate School of Management and received her MAFM (Master of Accounting & Financial Management degree). Fozia understands the unique factors that come with securing a well-thought-out financial plan for her clients. She specializes in helping her clients and their families construct financial, estate, and retirement plans that consider both their business and personal financial situations.
Series 7 and 63, Registered Representative of Cetera Financial Specialists, LLC®, Member FINRA/SIPC
Andrew Arons is the founder and Managing Partner of Synergy Advisory Management Group, LLC, an independent financial services company. Andrew earned his BA from Emory University, in Atlanta, Georgia in 1988, and has been in the financial services industry for nearly twenty years.
Having worked for many of Wall Street’s most prominent firms, he is familiar with the methods of operation of these firms and is keenly aware of what sets the independent investment professional apart, and how that independence benefits his clients.
Andrew is a well-known financial educator and his retirement seminars have been widely attended by retirees from various Fortune 500 companies, individuals, and human resource managers. He also frequently teaches Retirement Planning courses at local colleges and university sponsored programs. He has authored articles on personal finance and is a member of several professional financial organizations.
Throughout his career, Andrew has worked on hundreds of accounts for high net worth individuals and businesses, focusing on portfolio management of equities and fixed income securities. He has extensive knowledge of retirement planning for individuals as well as implementation of retirement plans for small businesses and corporations.
Andrew currently resides in River Vale, New Jersey with his wife and two children.
Lori Reaves Aspiotes
Lori Reaves Aspiotes is an instructor with both Council of Financial Educators – COFE and Adult Financial Education Services (AFES) and specializes in planning and guidance for those who are seeking a better lifestyle and a guaranteed income in retirement.
She embarked on her career in financial services when her 93-year-old beloved Grandma Pearl expressed concerns about outliving her money. Lori soon realized that her own diligent research had led to a passion for helping others plan their retirement, so she decided to change career paths. In 1998 Lori became licensed in insurance in Florida.
Since that time, Lori has helped numerous individuals who are near or early into retirement enjoy a worry-free lifestyle, knowing that their money is safeguarded. Throughout her career clients and colleagues have recognized Lori’s ability to identify and then create a plan that meets that need. “I have worked in the financial services industry for over 20 years,” says Lori. “You want to make sure your potential financial professional has your best interests at heart; someone who will help you with retirement income planning in an honest and straightforward way.”
Lori is a proud certified member of the National Ethics Association and recipient of the prestigious Million Dollar Round Table award. Born in New York, Lori considers herself a lifelong resident of the Tampa Bay area and resides in Trinity, Florida, with her husband, Michael. She has two children: a daughter, Kelly and a son, Lee.
John Badalamenti has been in the financial services world for over 22 years. John graduated from Wayne State University and loves that his work gives him the opportunity to travel through his beloved home state of Michigan. John finds himself meeting with clients throughout Michigan and Ohio and finds these trips to be opportunities to explore the wonders in the areas. John loves Mystical Mackinaw Island and – ‘fun fact’ – was actually there in 1979 while “Somewhere in Time” was being filmed.
John says he “chose COFE’s platform since it allows the true facts about money and finance to be taught”. Knowing that education is the key to a secure retirement, he is excited to teach the truth about what is really occurring out there and feels confident that his workshops give you the knowledge needed to make rational decisions for your future.
John and his beautiful and supportive wife Jennifer enjoy spending time with their two boys as well as their eight nieces and nephews! As an avid animal lover, John works with several animal rescue shelters.
Carroll Bailey is an experienced Retirement and Income Strategist serving clients in this niche since 1998. Client education is key, and she works with her clients to understand how everyday financial decisions may impact their long-term goals.
Carroll focuses on designing the proper “fit” with solutions that match up with clients’ life goals, whether a client is on the path to achieving financial success, or in retirement mode and striving to protect and preserve income and existing assets over the long term. Her clients reside in Ohio and in her new “home town”, Sarasota, FL.
Trust is at the center of each interaction with Carroll. Her un-wavering commitment to her clients sets her apart from other advisors and yields trusted, longstanding relationships. She currently resides in Sarasota, FL. She spends time in both Ohio and Florida taking care of clients and spending time with family and friends.
S. David Bardach
S. David Bardach has lived in Florida since 1984. As the founder of American Retirement Plan Alternatives, David has grown his business for over 24 years. He specializes in educating his students and clients on the various financial paths leading to retirement and then planning, designing and implementing retirement income strategies.
Whether you are rich or poor, or in between, it’s his goal to help you improve your financial situation as the years go by.
Darcy L Bergen is a fiduciary and the founder of Bergen Financial Group. Darcy is an experienced television and radio personality, having hosted radio shows including Smart Money and Safe Money & Income Radio Show with Darcy & Heather.
He has presented hundreds of seminars dealing with all aspects of money, and now focuses on matters associated with retirement. Darcy is Certified Retirement Financial Advisor (CRFA) and is a NAFA member (National Association for Fixed Annuities).
Brad Bertrand – Founder & President, Retirement Solutions, LLC. Brad began working in the financial services industry in 1984. He has an MBA and a Baccalaureate in Finance with Summa Cum Laude honors. Over his many years helping people create lifelong financial security, Brad realized that his job was not just to help individuals enjoy financial peace of mind, but also to help families achieve a lasting legacy that can continue for generations. As a result, Brad has a strong belief in the need for financial education, recognizing the need for easy to understand retirement planning information that can be implemented into the achievement of goals and dreams.
Brad creates retirement plans that: 1) are easy to understand, empowering his clients to make informed, strategic choices, and 2) projects the inheritance that will pass on so that proper distribution and estate plans can be prepared. He has been married for 25 years, has two daughters and his family attends Blanchard Church of Christ.
Mark Billes, RICP®, is an Investment Advisor Representative with Horter Investment Management LLC, and is the President and Founder of Safe and Secure Retirement and Insurance Services, with offices in Corona and Huntington Beach.
Through classes at colleges, libraries and businesses, Mark is educating and enlightening area residents on how to help protect, preserve and strive to pass on wealth to their families. He is a longtime financial professional bringing years of experience to the classroom.
Sam C. (Bo) Bills, Jr.
Bo Bills spent 11 years in the tax field (first as Tax Senior Manager at KPMG and then as a Vice President of Tax and Finance PhyCor, Inc), before making the leap and joining his father at his growing investment advisory business in 2000. Now, many years later he knows that he made the right choice! He finds that focusing on helping individuals and small businesses provide for their financial future and managing the risks inherent in the markets both fulfilling and challenging.
Bo strongly believes that making money is only half the battle – keeping what you make is the other half. He believes that education is the key to ensuring that this happens. His students find his courses very informative and leave with valuable answers to questions they may not have considered. As an educator, Bo is able to ensure that students know there are options to make the most of their retirement.
Formed in 1992, Bills Asset Management is a partnership between its two principals – Sam C. Bills and Sam C. (Bo) Bills, Jr. Sam founded BAM in Knoxville, TN after a 30 year plus career at the University of Tennessee. Bo joined the firm in 2000 and opened a Nashville, TN office. BAM is an independent registered investment adviser (RIA) specializing in providing tactical and dynamic professional money management services to individuals, associations, corporations, pension and profit-sharing plans, trust accounts, and non-profits. With BAM’s background in higher education, they also provide multiple investment services for 403B and TIAA-CREF accounts offered at various colleges and universities throughout the country.
Bo Bills is a licensed Certified Public Accountant (CPA) in Tennessee, a Certified Financial Planner (CFP) and received his B.S. and Masters in Accounting from the University of Tennessee, Knoxville. Bo also holds the designation as a National Social Security Advisor and is licensed to sell life insurance in the state of Tennessee. Bo is a member of the American Institute of CPAs (AICPA), Tennessee Society of CPAs, is active in a number of financial advising societies, previously serving on the Board of Directors of the National Association of Active Investment Managers (www.naaim.org).
Bo and Kelly (his wife of almost 30 years) reside in Nashville, Tennessee. They have 3 children, 2 dogs and 2 cats. Bo is active in various community activities. In his free time, he enjoys fly fishing, tennis, hiking with Kelly and the dogs, and all things Titans, Vols, and Predators.
Gary W. Boatman is an investment advisor representative and follows the fiduciary responsibility of that position. Gary is a true believer in the power of education and enjoys sharing his knowledge and experience through his classes and workshops. He knows that many pre-retirees, as well as retirees, have questions on how to ensure a financially secure future, and he is proud to provide that information and peace of mind.
Gary is a graduate of Robert Morris College and earned a master’s degree in Business Administration from Youngstown State University. After completing a two-year program from the College for Financial Planning, Boatman passed the extensive test to become a Certified Financial Planner.
He has continued his education through a wide variety of continuing education classes and participation in national training sessions. Included in these conferences was two days spent training with Ed Slott, who is recognized as America’s expert on IRAs.
As the weekly columnist of Your Financial Future, a column that appears regularly in over 100,000 papers, Gary helps to explain Wall Street to Main Street and provides educational advice to his readers. Helping the community avoid financial pitfalls is one of the objectives of the column. In addition, Gary is the author of “Your Financial Compass”.
Boatman serves as President of the Greater Monessen Chamber of Commerce and is involved in many activities throughout the community.
Kerry Bouchard is an Investment Advisor Representative with Horter Investment Management LLC. and brings close to 30 years of experience in Investment Planning to the classroom. Kerry has worked in the Senior Market offering all the planning “tools” including Retirement Income, Social Security, Long Term Care, and Medicare, as well as Investment Planning. His motto is “Better Planning is a Better Retirement.”
Through classes at local colleges, Kerry is educating and enlightening area residents on how to help protect, preserve and strive to pass on wealth to their families in a way that helps promote peace of mind.
A US Marine Corps veteran, Kerry resides in Fenton Michigan with his lovely wife, Patty, and has three grown, married children and three grandchildren. In his free time, Kerry enjoys his family and supporting his wife’s nonprofit organization “The Healing Tree.” Our family focus is helping families survive relationally. When Kerry gets a chance, trout fishing is his passion. Kerry attends Floodgate Renewal Fellowship with his wife and family, and helps lead the local men’s group.
Jim Bowers is a native of St. Louis, MO., and a graduate of St. Louis University. He has lived in Arizona for over 43 years. A strong believer in financial education, Jim has done thousands of educational presentations to a wide, national audience over the last 40 years, with a focus on retirement issues in the last 15 years. He believes that proper financial and college planning is critical to retirement planning for parents and grandparents.
Jim’s oldest grandson, Sam, is a sophomore at the University of Northern Colorado (UNC), and his oldest granddaughter, Malia, is heading to the University of Hawaii next fall. The other 3 will be heading to college in 2022 (Nicholas), 2024 (Dominic), and 2026 (Bryanna).
Jim is a licensed insurance agent, an IRS approved Tax Preparer, and a Registered Investment Advisor (Fiduciary). His firm, Bowers & Associates, LLC., helps people enjoy financial peace of mind in retirement with a unique “holistic” approach.
Dan Brooks is a native of Iowa and after graduation entered the US Navy Nuclear Power Program. Upon discharge he followed in his family’s footsteps by purchasing the family restaurant from his father, a WWII decorated veteran. He opened a second restaurant two years later, selling both in 1991. After a few corporate years in the restaurant business, Dan began his new career in the financial world. He moved his family to Florida in 1998.
Dan’s licensing requires him to be a Fiduciary to his clients, legally compelled to “do what is in the client’s best interest”. In 2004 Dan completed the Certified Financial Planner (CFP®️) curriculum and in 2005 opened a Registered Investment Advisor firm. He holds a Florida insurance license and a Series 65 Securities license. He has counseled literally hundreds of Central Florida clients and worked as a paid consultant to banks, agencies, and CPAs.
Dan has found that education is the key to helping people move toward a secure financial retirement. He considers his time in the classroom extremely rewarding, knowing that he is helping people to better understand the choices available to help ensure that retirement is what they hoped it could be.
Early in his career, Dan represented several of the country’s largest financial companies. After just a few years of this hand-tying by big business, Dan became independent; never again forced to represent only one company. This independence enables Dan to uncover the best solutions for his clients, without pressure from a company compelling him to offer their limited choices. Dan is committed to this independent style of business, as it allows him to provide his clients access to the finest products, ideas, and strategies. It allows Dan to honor his Fiduciary mandate to:
“Do what is in the client’s best interest”
On a personal level, Dan has been a single dad to his daughter since 2008, who attends Rollins College in Winter Park, Florida. Dan enjoys spiritual reading, golfing, hiking, cooking, great wines, canoeing, exploring new restaurants, and traveling. His rescue dog Snitzel is usually at his side.
Terrilyn Brownfield, owner of Integrity Financial Services, LLC, firmly believes that integrity is the foundation of trust, and is dedicated to always working with honesty and respect. Terrilyn has more than 17 years’ experience in the insurance and annuity industry and earned her bachelor’s degree in business from Oklahoma Wesleyan College. Terrilyn entered the financial services industry while searching for a job that would allow her to work from home in order to spend more time with her son. An insurance agent offered her a position to do just that, and Terrilyn soon fell in love with the work she was doing to help others achieve their dreams.
Terrilyn focuses on educating and working with pre-retirees and retirees, 55 and older. She holds Series 7 and 66 securities licenses as well as insurance licenses in Oklahoma, Florida, Texas and Utah. She is proud to be fully securities licensed so that she and her team at Integrity Financial can review all areas of potential concern with clients and help them diversify their portfolios as needed.
Married for more than 30 years, Terrilyn lives in Tulsa and has three children, six grandchildren and a long-haired Chihuahua named Doughboy. Away from the office, she spends most of her time with her family but also enjoys playing tennis, biking, hiking, traveling and reading. Terrilyn regularly attends church at Victory Christian Center.
David Cadarette is a financial advisor with CLC Investment Advisors and brings over 14 years of experience in the insurance and financial services industry to the classroom. David specializes in retirement planning and focuses on people’s overall well-being.
Through classes at local colleges, David is educating and enlightening area residents on how to help protect and preserve their retirements and equipping them with the correct thinking that is essential for their success.
David attended Buffalo State College in Buffalo NY (SUNY) to play hockey and led one team to a National Championship. His minor league career was with the Huntsville Channel Cats (SEHL) where he captured his second championship and had stints with the Toledo Storm ECHL (Detroit
Red Wings NHL) and the Pensacola Ice Pilots ECHL (Tampa Bay Lightning NHL). David spends his time biking, kayaking, hiking and camping with his family. He currently lives in Northern Michigan with his beautiful wife and their 4 wonderful children.
Annetta Carter has over 28 years in the financial industry. With a passion in education, Annetta presents bi-monthly classes on income and tax training. She spends a great deal of time working with the pre-retired and retired market. Her focus is in assisting in areas of utmost importance such as maximizing social security benefits, safe accumulation retirement savings options, income planning and Medicare solutions. Annetta’s goal is to ensure that her students have all the information they need to make solid decisions. In addition, Annetta trains and develops other agents in the field who are ready to move to the next level in their career, specializing in safe money options, long term care solutions, legacy and estate planning.
Mark Charnet, a self-made millionaire and success story, has used his own roadmap to success to help others pursue their own financial goals. Charnet is the Founder and CEO of American Prosperity Group, a Pompton Plains, NJ-based retirement and financial estate planning national franchise that takes a unique approach to retirement and legacy planning, giving his clients the ability to retire with confidence.
Creating his own financial system, Mark launched American Prosperity Group (APG) in 2006 utilizing his investing model, later copyrighted as the “Trinity Method of Investing©.” His goal is to help his students – Maximize their income today while protecting, preserving and perpetuating their wealth for tomorrow! ®
Early in his career, Mark began offering educational workshops at the local library, inviting community members to come and learn about different investment options. His passion for educating others has allowed his students to better understand the ever-changing financial landscape.
Charnet brings 37+ years of experience in the retirement and financial estate planning field to the table, holding numerous certifications and credentials. Charnet resides with his wife and business partner, Terry Charnet, in Wayne, NJ. Mark and Terry have been happily married for 32 years, and have 4 children, one of which now works alongside Mark and Terry every day facilitating the growth and expansion of APG.
Sue Cosgrove, of RJG Financial Services, is a financial advisor with a strong belief in the importance of financial literacy. Her experience in education gives her the unique skills needed in order to provide informative and interesting financial education classes that her students truly enjoy.
Since her graduation from Penn State, Sue worked in the hospitality and customer service industry for nearly 20 years developing a broad range of Management and Finance skills. As a General Manager for Marriott Hotels and Resorts, she trained and educated hundreds of employees and colleagues in the planning and execution of capital and operating budgets. She has experience with the Women’s Business Enterprise National Council certifying businesses that are owned and operated by women, as well as with the Women’s Business Development Center of Philadelphia educating and counseling women on how to start and operate their own businesses.
Sue is married and has a teenage son, and lives in Collingswood, NJ.
Brian DeBruin was raised in Winston-Salem, North Carolina, but has spent the majority of his life in the Raleigh area. After graduating from NC State University in 1993, he pursued a career in the computer industry, but after watching his grandmother slowly succumb to Alzheimer’s disease, he resolved to help protect others from the devastating effects of a Medicaid spend-down.
In short order, Brian obtained his insurance license and became a top performer at a national health insurance company before acquiring his securities license and accepting a position as a regional manager within a financial services firm. Brian spent twelve years in this role furthering his knowledge and developing the skills necessary to assist individuals with protecting their assets and achieving their financial goals. He has been with Asset Protectors and Advisors since 2014 where he specializes in all aspects of retirement planning. However, his commitment to financial education is a key component of his career.
Brian and his wife, Ashley, have two young daughters and currently reside in Holly Springs. He enjoys golf, tennis, fishing, reading, spending time with his family, and is active in his church.
Stephen Dissette is an Investment Advisor Representative with Horter Investment Management, LLC and is the President and Founder of Stephen D. Dissette and Associates, with offices in NW Indiana and suburban Chicago. He proudly serves as a fiduciary, meaning that his clients’ best interests always come first.
A Certified Financial Educator (CFEd®), and published author of a book on retirement planning, Stephen has educated and enlightened area residents on how to protect, preserve, and pass on their wealth to their families through classes at colleges, libraries and businesses. He enhances the course material with his own experiences as a longtime financial professional and includes illustrations of real-life scenarios that make the content easy to understand.
Stephen is a Northwestern University alumnus and served as an officer in the United States Navy.
David Donhoff has been helping people with their money for over 3 decades. He founded No Bull Financial, which evolved to become Leverage Planners Wealth Management, LLC, in 1997. Throughout his career David has seen the benefits of financial education. He firmly believes that the more a person understands about their options, the better they can prepare for those golden years.
In 1989, Anthony Robbins hired David to expand his seminar business nationwide, and through 1994, David traveled the U.S. and Canada teaching business and financial principles to corporate and private groups at great demand, finally adopting Kirkland, Washington, as his home for the past two decades. In 1996, David ran Northwest Hedge Partners as a private trading operation, and in 1997 launched No Bull Financial, LLC, as a general financial services company. David is proud to be a registered member of the National Ethics Association.
David graduated from San Diego State University with a double major in business administration and psychology in 1987. David grew up as a Southern California athlete and surfer, and played center for the SDSU football team, and tight head prop the 1987 national collegiate champion SDSU rugby team.
David and his wife, Joanne, are proud parents of two sons, Chenyang and Trinny. As an accountant, Joanne enjoys counting the beans while David helps his clients CULTIVATE, GROW and MAINTAIN their OWN beans.
Joe Dowling graduated from Florida State University in 2006 with a degree in Finance and is an Investment Advisor Representative with Brookstone Capital Management. He believes that managing risk and preserving capital are key factors in developing a sound financial plan.
Joe helps each client tailor a portfolio that is best suited to their individual needs. Joe currently lives in Lockport, IL with his wife, Cherisse. They enjoy traveling together and spending time with their family, friends, and dogs.
David Eissman is both an educator and public speaker and presents at over 20 public events each year. He believes wholeheartedly that knowledge of financial topics related to pre-retirement and retirement empowers people to make smart decisions. He recognizes that only through financial education can people truly make the most informed choices for their retirement.
As founder of Eissman Wealth Management, LLC, David educates his students on retirement plans that allow for financial security throughout this important chapter in the lives of retirees and future retirees. He holds the designation of Chartered Financial Consultant. The ChFC requires over 400 hours of study over several years, and it is considered the most extensive educational program of any financial services credential. David’s students enjoy all the benefits of a trusting relationship with a knowledgeable and caring Financial Educator.
In addition, David’s credentials allow his students the extra benefit of learning from an educator who has a broad educational background himself. Students benefit from his registration with the SEC as an Investment Advisor Representative (IAR). This allows him the ability to provide a much broader array of strategies and solutions for retirees and future retirees than many others in his field. David is also an Investment Advisor Representative with Sound Income Strategies, a Registered Investment Advisor (RIA).
West Cobb has been David’s home for nearly 20 years. He’s very active in both the civic and business community.
Investment Advisory services offered through Sound Income Strategies, LLC an SEC Registered Investment Advisory Firm. Eissman Wealth Management, LLC and Sound Income Strategies are not associated entities.
Terry Elder has served the Houston community as a financial advisor since 1992 and is the President of Texas 1st Wealth Management LLC a registered investment advisory firm with the State of Texas. Terry has been a Certified Financial Planner since 1998.
Terry is a graduate of the University of Pittsburgh, attended Millersville State University in Pennsylvania, the University of Exeter England as well as the University of Houston. Recognizing the importance of education, Terry firmly believes that the key to financial security involves identifying your options. Knowing where you want to go certainly makes it easier to navigate the way.
Terry and his wife Charlotte have 3 grown children and eight grandchildren. They both love reading, exercising to stay in shape, travelling, and spending fun time with their grandchildren.
Charles (Chuck) Falco
Charles E. Falco Jr. (Chuck), President at Limerick Financial Group, LLC., is a well-known Financial Advisor and Educator in Montgomery County. Chuck has been in the Financial Services Industry for 35 years. In addition to the many educational workshops he conducts, he was the executive producer for the 30 min TV show “Falco’s Financial Strategies” airing on PCTV.
Chuck recognizes that not all financial advice is created equal, and that retirees and pre-retirees deserve to receive impartial advice about their future. Education is the key to ensuring peace of mind during the retirement phase of life.
In 1984 Chuck received his Undergraduate degree from Temple University. He received his Graduate Degree and three Board Certifications from the Institute of Business and Finance and has been named to its National Registry. Chuck has also had specialized training from Ed Slott and HS Dent.
He is member of the International Association of Registered Financial Consultants, National Association of Active Investment Managers, National Social Security Association, Spring Ford Chamber of Commerce, Phoenixville Chamber of Commerce, and Tri-County Chamber of Commerce. He is the founder, Chief Investment Manager, and President of Limerick Financial Group, LLC a “Registered Financial Planning and Investment Advisory Firm”.
Tim Fallon is a dedicated Financial Educator and Owner of Fallon & Associates, LLC in Madison, WI. With a life-long focus on civic service, Tim prides himself on educating his students on the basic concepts of financial management. His goal is to ensure that individuals understand the opportunities and potential rewards that are available when taking a proactive approach to personal finances.
Before forming Fallon & Associates, LLC, Tim Fallon was a proud member of the law enforcement community. Tim graduated with a degree in Criminal Justice from the University of Wisconsin-Platteville in 1990. During school, he joined the Army and served as a Military Policeman for five years. After graduating, Tim worked as a civilian Police Officer for ten years.
Upon retiring from law enforcement, Tim received his Life, Accident, and Health license and became a financial planner. In 2002, Tim formed Fallon and Associates, LLC. The company now offers a full-service financial planning firm to include: retirement planning, asset protection, estate planning, and health insurance.
Paul E. Ferraresi, Chairman of Founders Group in Houston, Texas is proud to be a Financial Planner who has captured the human side of financial planning. For over 35 years, he has assisted individuals and corporations in all aspects of their finances. He continues to believe in the principles of hard work, honesty, loyalty, and dedication. He understands that while his clients know how to earn money his responsibility is to help them make their money work. Paul maintains a conviction and company philosophy of “striving to be the best to make you better”.
A true believer in the importance of education, Paul provides adult education within his own community. His love of education is evidenced by his past positions of Adjunct faculty member for the College of Financial Planning, Instructor for the University of Houston, Instructor for the American Management Association as well as an Instructor for multiple Fortune 500 companies.
Besides his exciting business life, he is a participant in his local church on various councils. He is an active sports enthusiast involved in baseball, softball, tennis and biking. Paul loves spending time reading, gardening and cooking. His favorite pastime is enjoying the serenity of the seashore. His passion, enthusiasm, humor and knowledge place him in high demand as a consultant to individuals, families, corporations, and, as a speaker and trainer.
Jeffrey Florence was raised in Warren County, attended Miami University, and has lived in Loveland for the past 29 years. Jeff specializes in insured, protected, and safe investing, creating lifetime income streams that cannot be outlived, and protecting assets from long term care costs. He earned an MBA from Miami in 1987, CLU (Chartered Life Underwriter) in 1990, and a ChFC (Chartered Financial Consultant) in 1994.
Jeff finds that the key to connecting with his class attendees is to provide them with the education that they need in order to achieve their most successful retirement.
Alison Free is a respected financial professional with an intuitive ability to identify and anticipate client needs. Alison strives to offer solutions that help to meet the needs of those who are approaching or are already in the retirement phase of their life. Alison’s knowledge and expertise as a retirement specialist and Medicare expert has put her in the top 1% of her company nationwide. Her 400+ clients have come to expect her quick response and over and above service that they can count on year after year.
Alison recognizes that the retirement planning process is key to ensuring a safe and secure financial future. Her adult education classes are designed to alleviate some of the stress that arises when facing retirement and to answer real world financial questions. Alison enjoys building personal relationships at her classes by listening to better understand the retirement goals of her students.
Alison has over 25 years’ experience as a trust advisor helping people with the largest and most important decisions in their lives. In addition to her insurance license, she also holds a Series 7 securities license, a Florida Real Estate broker license, certification in Long Term Care and is one of the top life insurance strategists in her area. Alison is a proud mother of four daughters and grandmother to ten adorable grandchildren.
Alison Free is an agent licensed to sell insurance through Bankers Life and Casualty Company. Bankers Life is the marketing brand of Bankers Life and Casualty Company, select policies sold by Colonial Penn Life Insurance Company. Alison Free is a Financial Advisor through Bankers Life Securities, Inc., and provides investment options including variable annuities, mutual funds, and equity and fixed income securities.
Tom Gandolfi is the President and Founder of Three Bridges Financial Group and entered the financial industry after years of experience from the other side of the desk, as a business owner and client. He is a creative thinker and has worked on financial planning strategies with individuals and corporations for more than 20 years. Drawn to find a better way to help people accomplish their goals, and as a committed educator, Tom provides information, guidance, and clarity to his students over a wide range of topics to help them achieve their retirement goals.
Tom is a Series 65 Investment Advisor Representative with a fiduciary responsibility, which underscores his commitment to work in the best interest of his clients. He holds a life license in numerous states and is a member of the National Ethics Board as well as National Social Security Advisors. Most importantly, Tom listens to his clients. He takes great pride in his ability to effectively communicate and simplify complex matters. Tom works with every client on a personal level to help ensure that they will have every opportunity to enjoy the best years of their lives.
Tom and his wife, Sherri, have been married for over 25 years and have two daughters, Tori and Kasey. In his free time, Tom likes golf, baseball, football and politics.
Investment Advisory Services offered through Sound Income Strategies, LLC, an SEC Registered Investment Advisory Firm. Three Bridges Financial Group, LLC and Sound Income Strategies, LLC are not associated entities. Any insurance product guarantees mentioned are backed by the financial strength and claims paying ability of the issuing company and may be subject to caps, restrictions, fees and other charges as described in the contract. Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives. Unauthorized use of this material is prohibited.
Rich Greenberg is co-founder and CEO of RJG Financial Services LLC. Rich has specialized in Senior Services since 1986. As part of that commitment, he uses educational workshops to provide individuals with relevant financial information. In 2005 Rich was selected by the White House to serve as a New Jersey Delegate to participate in The National Conference on Aging in Washington DC. In addition, Rich was a consultant for AARP and conducted educational seminars throughout New Jersey Pennsylvania and Delaware. The New Jersey Better Business Bureau has recently bestowed the coveted title of “Accredited Member” to Rich Greenberg and RJG Financial Services LLC. He has also been selected to serve on the Advisory Board of one of the financial industries leading national publications the “Senior Market Advisor”.
Rich is dedicated to making a meaningful and positive difference in the financial lives of his students. Rich’s main objective is to educate his students to look at their entire “retirement planning puzzle” instead of just a few pieces, enabling students to help identify their goals and make wise decisions to improve their financial situation. Through his professional network he now offers the services of Tax preparation, Revocable and Irrevocable Trusts.
Martin Gross is the owner of Statewide Retirement Planning Co. in Coral Springs, FL. Marty brings more than 12 years of experience in retirement incoming planning to his students and his classes focus on preparing students for their financial futures. His passion is to educate others as they move forward into their retirement with confidence, and without the worry of running out of money.
Marty works hard to develop a relationship based on confidence and respect. His passion for education ensures that students are comfortable in a low-key, no-pressure, informational/educational environment. Marty works with students to ensure that they can develop a plan ~ enabling them to retire with confidence, knowing how all their retirement income pieces fit together. This provides stability for them, and their families, to live out their retirement years confidently and without financial stress. Marty’s classes provide an opportunity to develop the conversations needed for sound retirement planning.
William Gruntler, LUTCF
Bill Gruntler, is a former combat-trained United States Marine, and exercises a genuine client-focused approach instilled by a strong religious upbringing, discipline and integrity forged by years in the Marines.
Bill is the CEO and founder of Asset Protection Group, a company dedicated to educating and serving professionals, business owners, and retirees. He accomplishes this as an instructor in numerous educational courses offered at local community colleges and other public venues. He has earned the designation of Life Underwriter Training Council Fellow (LUTCF), which is jointly conferred by the National Association of Insurance and Financial Advisors (NAIFA) and The American College. Bill is also certified to instruct CPA continuing education courses.
Bill began his career in the financial services industry in 1989, and he prides himself in giving personalized solutions based upon the unique needs of his clients. His faith-based approach and strong family values carry over into his work, allowing him to demonstrate many of the values that clients commonly look for in a financial professional: honesty, sincerity, compassion, safety and trust.
As his way of giving back to the community, he often speaks publicly on subjects such as Social Security, Veterans Benefits, Identity Theft Prevention and many other important issues in today’s ever changing financial environment.
Bill’s family resides in the South Florida area and his greatest sense of pride is in his marriage to his wife Donna and their children Brooke and Wyatt. Their family is involved with many charities which include Compassion International, Sheridan House, Marine Toys-For-Tots as well as being active in their church.
David Hardin is the founding partner of City Center Financial. David fully believes in the need for education and presents his students with a broad-based knowledge of how to ensure a stable financial future. David has always believed that helping students focus on their goals and dreams is the first action in any process. He knows that no two students are exactly alike.
David began his insurance career at Monarch Insurance Company as a life and disability agent in 1977. He quickly earned the honor of “New Agent of the Year”. From there, he became a General Agent with INA Investors Life. David has extensive experience on the consulting level and teaches agents proven means of reaching success with a focus dedicated to serving their clients. David spent several years as Vice President of an insurance brokerage firm, training and coaching a group of national marketing consultants on how to assist independent financial professionals meet their clients’ needs and objectives.
David married his wife Beth in 1976. They have three wonderful adult children and four grandchildren with whom they try to spend as much time with as possible. When not spending time with his family, you can find this film buff watching movies (at one point doing reviews on local radio), traveling or volunteering at one of several local charity organizations.
Phil Henry has been a licensed financial advisor in Arizona for almost 20 years. As one of the top Safe Money Specialists with Bergen Financial Group, he focuses on retirement planning and educating residents to help protect, preserve, and pass on their wealth. He enhances the course material with his own experiences as a longtime financial professional and includes illustrations of real-life scenarios that make the content easy to understand.
Phil is a New England native and graduate of Southern New Hampshire University.
Justin Jenkins is the president and co-owner at Legato Financial Group where he focuses on helping his clients work toward their retirement dreams through a well-thought-out strategy for retirement income. Justin recognizes that financial education is the key to achieving those dreams!
Entrepreneurship is in Justin’s blood. With his family’s background, he felt eager to start his own financial planning business. He has a true passion for assisting others and helping them create lasting legacies for their families.
Justin attended Western Kentucky University and is a charter member on the estate planning advisory council for Campbellsville University. He enjoys spending weekends on the lake, doing yardwork and spending time with his family.
Steve Kelley is the founder of Safety First Financial Planners, where the focus is on a different way of managing your financial future. Steve recognizes that Education is the first step. His philosophy is that – “How Can you know what you should do if you don’t know what you can do?” Steve focuses his educational courses on learning how to take control of your financial future and be intentional about financial decisions with a safe, simple, and easy to understand system.
Until you remove Risk it’s not planning – it’s hoping.
Investment advisory services provided by Redhawk Wealth Advisors, Inc., an SEC-registered investment adviser. Insurance advice and products provided through Safety First Financial Planners.
Kevin Kensinger is a member of The Council of Financial Educators (COFE) and an Investment Advisor Representative with Horter Investment Management, LLC. Kevin proudly serves as a fiduciary, meaning that his clients’ best interests always come first.
As a Certified Financial Educator (CFEd®), Kevin has educated and enlightened area residents on how to help protect, preserve, and pass on wealth to their families through classes at colleges, libraries and businesses. He enhances the course material with his own experiences as longtime financial professional and includes illustrations of real-life scenarios that help make the content easier to understand.
Kevin is a graduate of Purdue University and served as an officer in the
Belen Krabbe is the President and owner of Franklin Financial Services. She is an accomplished insurance and investment advisor with more than 34 years of experience. She is also the owner of Compro Casas, LLC, … a company that “buys ugly houses and restores them so people have a safe & healthy place to live.”
Belen joined the financial services industry in 1984 as a secretary for Equitable Life of Iowa. Within one year, she was offered an opportunity to enter the sales force and became the rookie of the year. Throughout her career, Belen purposed to provide quality services to her clients by increasing her education. She has earned six designations through the American College, Bryn Mawr, PA including a *CAP, CLU, ChFC, CASL, RHU, REBC and an LUTCF from the National Association of Life Underwriters.
Belen has consistently been a top insurance advisor throughout her career providing services to thousands of clients. She makes it her business to help people live secure financial lives that have a happy ending. She believes in challenging the traditional status quo insurance and investment office by thinking differently. “I believe the net worth of a person is much more than a dollar sign at the bottom of a balance sheet”. Belen utilizes simple and state of the art tools to create an easy to understand plan that brings clarity and vision for a life well lived. “I also believe that when all is said and done, people want to know they have lived a life of significance and have made a difference. The plans made today can affect hundreds of descendants and the world.”
Securities are offered through Prosperity Capital Advisors (PCA), an investment advisor registered with the U.S. Securities and Exchange Commission. Broker Dealer Securities offered through MerCap Securities, LLC, Member FINRA.SIPC. Franklin Financial Services is independent of Prosperity Capital Advisors and MerCap Securities.
*Chartered Advisor in Philanthropy, Chartered Life Underwriter, Chartered Financial Consultant, Chartered Advisor for Senior Living, Registered Health
Underwriter, Registered Employee Benefits Consultant
James Lamont is the founder of Lamont Financial Services, a wealth management firm in Novato, CA. James has been involved in financial planning for over 30 years and along the way he has obtained his Chartered Financial Consultant and Certified Life Underwriter certifications, and has been the winner of numerous industry awards for professional excellence.
James is often asked to speak at industry conferences throughout the country. He is a strong educator and can break down the complexities of financial planning for his audience. All too often the financial services industry hides behind a cloak of misdirection and impenetrable jargon. James states that it is his professional crusade to shine a light on what he believes is the best way to prepare for a successful retirement. For the time being that means speaking at as many seminars, workshops and industry conferences possible.
Jerry Linebaugh is a registered investment advisor representative and the founder of The Linebaugh Group Inc., dba JLineFinancial as well as the founder of Game Changer Tax Pros. He is a member of several organizations including The Better Business Bureau, National Ethics Association, and The Alliance Group which is a nationwide organization of independent Insurance, Investment, and Estate Planning educators and advisors. For over 20 years, Jerry has served business owners, retirees and younger folks looking to build a secure income producing estate. Jerry works closely with CPA’s and Tax and Estate Attorneys and works to help provide state required continue education credits for CPA’s in the State of Louisiana and other states. Jerry is often sought out for financial commentary from various trade and media publications and speaks regularly at public and private seminars.
Jerry teaches through general education methods how to not have all your assets directly correlated with the stock market. A big part of Jerry’s practice is helping people legally and ethically avoid taxes on social security and certain other assets held by retirees. Also, a person planning for retirement will need growth, liquidity, and one day– tax efficient income–so having too much in any asset class is an unnecessary risk. Jerry helps his students understand where to find unbiased information even on emerging concepts. He explains how these new concepts can work together with more traditional retirement strategies for a unique combination of decent returns, downside market protection and increasing income to combat retirement worries. Jerry offers his students information, education, advice, and planning strategies to ensure his clients have the tools they need to achieve a secure and lasting retirement.
In his spare time, Jerry, along with his wife and 2 children enjoy ATV adventure riding, camping, gourmet cooking, as well as any kind of outdoor and indoor cooking. When he can, he combines all of these things into something he calls “Glamping…you should ask him about that (he loves talking about it!) He also enjoys domestic and international travel with his family.
Galen Maddy has spent more than four decades developing relationships, educating and assisting others to manage and build their wealth. Though he graduated from Michigan State University intending to work in the hospitality industry, opportunities and his talent guided him toward a career in personal finance. But that early formal training in hospitality became the cornerstone of his business- The client comes first.
As a fiduciary, Galen focuses not only on the sound investment advice, but also in client education, as a community college instructor of investment classes for pre-retirees and retirees; as an author and columnist; and of course, one-on-one.
A U.S. Marine Corps veteran, Galen devotes many hours as a consumer advocate, helping veterans through his organization, Veterans’ Friend, which helps veterans apply for financial benefits they may not know about but are entitled to receive. He is the author of a book now in its second printing, “In Your Service” with all the proceeds going to the Wounded Warrior Project.
Galen is an advisor with Virtue Capital Management, a Registered Fiduciary. His expertise is as a retirement plan distribution specialist. He played a large role in the development of Self-Directed Plans using independent custodians not connected with banks or mutual funds, which results in more opportunities and cost-efficient planning.
• Member, National Ethics Association
• A+ rating, Better Business Bureau (BBB)
• Member, American Society of Fiduciary Educators.
Galen Maddy is an author, columnist, educator, and speaker. Galen is a “Fiduciary.” He can be contacted at (760) 438-6839.
Debora Majher is dedicated to helping people to build a plan that will enable them to meet their financial goals, with a focus on listening to the client’s needs. Her practice is client-centered, where the client’s interests are at the center of all planning. Debbie believes that education is an important factor in helping people to achieve and maintain financial security for themselves and their families. Debbie works with professionals, business owners and retirees.
Debbie holds both Life and Health Insurance licenses and has also taken extensive training to learn the Federal Worker benefits and State Teacher’s Retirement System. She holds the National Social Security Advisor’s Certificate (NSSA) and is a Certified Financial Fiduciary (CFF).
When not helping people, Debbie enjoys time with her husband, David, and her dog, Rookie. She also enjoys reading, hiking, and traveling to visit her two children.
Thomas P. Marshall, a well-known financial educator, is President of Virginia Estate and Retirement Planning Advisors, Inc., an independent, fee-based financial planning and investment advisory firm. His expertise is helping retirees and those soon to retire avoid common, costly financial mistakes. Recognizing the importance of financial education, Tom has lectured widely on financial topics and is a former lecturer at Vanderbilt University and the University of Richmond. He is also the author of “Retirement Smarts: Plan Well, Retire Well”, an easy to read retirement planning guide available on Amazon.com.
Tom has advised over 800 retirees and pre-retirees, including past employees of the U.S. Government, Wyeth Pharmaceuticals, DuPont, CSX Corporation, Dominion Resources, Capital One Financial Corporation, and many others. He has been assisting investors for over 20 years.
Tom is the former Chief Investment Officer of Gradient Investments, where he pioneered the use of tactical asset allocation based on economic cycles. Tom has also served as investment manager at Hickory Venture Capital, a $200 million venture capital and private equity fund.
Tom earned his Master of Business Administration degree from Vanderbilt University and graduated with Distinction from the Virginia Military Institute where he was commissioned in the United States Army, Corps of Engineers. Tom is also a graduate of the Venture Capital Institute.
Tom is also an ordained minister and currently serves in an advisory capacity to several overseas charities including Channel of Blessing, a 501(c)3 non-profit, dedicated to Christian education, pastoral training, alleviation of poverty, and women’s rights in India. Tom holds a Master of Divinity degree from Virginia Union University.
Tom and his wife Cassie have two sons and live in Richmond.
Jeff Martin, CRPC® is both an active financial advisor, and the founder of J. Martin Wealth Management. As a foundation for his knowledge, Jeff holds a bachelor’s degree in Accounting, which he earned from the University of Central Florida. In addition, he holds the Chartered Retirement Planning Counselor designation, this gives Jeff expert knowledge around retirement planning.
Jeff possesses a passion for educating people on personal finance and helping others succeed, which is reflected in his service to his students. Jeff enjoys public speaking and regularly delivers educational seminars on financial topics. While upholding his firm’s approach to working with clients on an individual and personalized basis, Jeff knows each person’s situation is unique and there is no cookie cutter approach. His financial seminars are known to be eye opening to his students and their planning process.
Residing in beautiful Scottsdale, Jeff is originally from Florida, born in sunny St. Petersburg. In his personal time, he enjoys staying active playing golf, hiking, scuba diving and spending free time in the mountains and National Parks.
Investment advisory services are offered through Wealth Watch Advisors, an SEC-registered investment advisor. Neither Wealth Watch Advisors or J. Martin Wealth Management, LLC are endorsed by the Social Security Administration or any other governmental organization. Note, registration with the SEC does not denote a certain skill level or guarantee the success of an investment strategy. Wealth Watch Advisors and J. Martin Wealth Management, LLC are independent of one another.
Kyle McCauley is one of the co-founders and Managing Partner of City Center Financial. Kyle began his career in the financial services industry working with retirees and retirement planning. Recognizing the importance of financial education, Kyle has not only trained hundreds of financial advisors in the retirement planning market, he commits a great deal of time offering education to the public. Kyle is the host of the syndicated Know Your Retirement® Show, heard weekly across the country, educating retirees on the news, resources and information that can affect a retirement plan.
Kyle is a Chartered Retirement Planning Counselor (CRPC®) and an Accredited Portfolio Management Advisor (APMA®) through the College for Financial Planning. Additionally, Kyle holds a certificate as a National Social Security Advisor (NSSA®). Kyle also holds his series 7 license with CoreCap Investments Inc., and is also series 66 licensed, held at CoreCap Advisors, Inc., which holds him to a standard of fiduciary responsibility.
Kyle has a strong commitment to family, both immediate and extended. Kyle and his wife Pamela were married in 2008 and have two daughters. Together, they’re actively involved in their church, and enjoy traveling to see family across the country in New Mexico, Oregon, Alabama, Florida, Kentucky, Tennessee and Illinois.
Robert J. McDowell advises people who are preparing to retire or are already in retirement. As a financial educator, Rob has taught over 50 classes on topics such as Social Security, Medicare, and Retirement Income Planning. His advisory experience in retirement income planning and asset preservation has been appreciated by thousands of his students.
Rob and his team of professionals have tremendous backgrounds in a wide spectrum of financial services. Their core belief and practice is to put the best interests of their clients first.
Rob has a Master of Science graduate degree from Missouri State University. As a proud member of the National Association of Insurance and Financial Advisors, Rob was awarded NAIFA’s LACP certification as a Life and Annuity Certified Professional. He also received the National Social Security certification promoting advanced Social Security education.
Rob and Debra are blessed with three outstanding adult children and five grandchildren. In addition to their active professional lives, they enjoy traveling and cruises as well as time with family and friends.
Jay Mehta is an Investment Advisor Representative with Horter Investment Management, LLC and brings 20 years of professional experience to the classroom.
Jay has earned 2 MBAs, one from the Haas School of Business at University of California, Berkeley and the other at Columbia University, where he also taught entrepreneurship as part of an elite teaching team. Jay is a fiduciary who specializes in retirement planning, with a focus on putting client’s best interests first.
Through local classes, taught at colleges and community centers, Jay is educating and enlightening bay area residents on how to help protect, preserve and strive to pass on wealth to their families in a way that helps promote peace of mind and confidence.
Jay resides in San Ramon, with his lovely wife Shivani, and has two beautiful children. In his free time, Jay enjoys spending time with his family and volunteering in the community.
John Miller moved to St Petersburg, Florida from Rochester, NY in 1992. He worked in corporate America for the first half of his career. John and his clients saw the value and flexibility of being an independent advisor so in 2014, John decided to launch his own business as president of JD Miller & Associates. John has now dedicated his career to provide unbiased, big picture retirement planning including social security education, income and expense planning, Medicare understanding and advanced estate planning.
John has been married to his wife Shelly since 2000 and they have three children in the Seminole school system.
Rick Miller is an independent Fiduciary Advisor with Miller Investment Management who has been helping retirees for 16 years. Rick has a Certificate in Financial Planning, is an investment Advisor Representative with Horter Investment Management and is licensed by Virginia for Life, Health & Long Term Care Insurance and annuities.
Mike Morgan, President of Total Benefit Services, has been helping clients in the greater Fort Worth area work toward their retirement dreams through well-thought-out strategies for retirement income since 1983.
Mike firmly believes that education is the first step in the process of achieving a secure retirement. He assists people from all walks of life and all income and wealth levels to achieve what we all want — a more financially successful retirement and the accurate information, planning and tools we all need to build a strategy to achieve that goal.
Mike holds a Series 65 securities registration as well as insurance licenses in Texas, New Mexico and Louisiana. In addition, he has earned the Chartered Financial Consultant designation. He has a Bachelor of Business Administration degree from Texas Tech University.
A proud member of the Fort Worth Chamber of Commerce, Mike lives in North Richland Hills, Texas, and enjoys hunting and fishing in his free time.
Ralph Musto of Musto Tax and Insurance Services has a vision to provide premier financial services by helping people to grow their assets, save money on taxes, and give them, and their families, peace of mind for the future. Ralph recognizes that providing Adult Educational classes is an opportunity to assist those preparing for retirement, or already in retirement, with the information needed to assist them in achieving the retirement lifestyle they seek. Ralph’s goal is to teach his course attendees how to protect their money during these turbulent times.
Ralph believes that building relationships is the tenet of success. He is committed to maintaining the highest standards of integrity and professionalism with his students and clients.
Ralph’s daily workday includes his wife, daughter and son – all committed to educating the community.
Barry Nelson, of RJG Financial Services, is a financial advisor with a strong belief in the importance of financial literacy. His experience in education gives him the unique skills needed in order to provide informative and interesting financial education classes that his students truly enjoy and learn from.
Barry is a Certified Public Accountant (CPA) with twenty-nine years of tax preparation/planning and financial and retirement planning, Barry is qualified to handle every aspect of his clients’ retirement challenges. With a primary focus on pre-retirees and retirees, Barry educates his clients to help them protect their life savings, develop an effective retirement income strategy, and pass on a financial legacy. He currently holds the FINRA Series 65 as an Investment Advisor Representative, National Social Security Advisor (NSSA) designation and is licensed in New Jersey Life & Health insurance. He graduated from Fairleigh Dickinson University with a BS in Accounting. Barry is a member of the American Institute of Certified Public Accountants (AICPA) and New Jersey Society of Certified Public Accountants (NJCPA)
He is a runner and enjoys competing in marathons including New York, Boston & Chicago. Barry lives in Medford, NJ with his wife Elaine.
Jeff knows one of the most valuable roles he plays is to help clients strike a balance between financial obligations and true happiness. Jeff founded On Point Tax Group, LLC with a simple goal in mind: to create tailored plans for intentional living. Jeff recognizes that for people to reach their goals, financial education is key. He finds that his time in the classroom is key to helping individuals define those goals.
After graduating from Duquesne University in Pittsburgh, PA—the first in his family to attend college—Jeff enlisted in the US Army in a program that paid off his student loans. Jeff admits his lack of financial literacy prior to entering the Army was a catalyst for his current career path. While his professional degree was focused on finance and psychology, his time in Korea at the Joint Security Area at Panmunjom and later at Fort Bragg, NC, provided fertile ground for experience in understanding and pursuing what truly matters.
Though Jeff grew up in Southwestern Pennsylvania, he has lived in the Atlanta area for 20 years. Jeff and his wife Rebecca, currently live in Brookhaven with their family. When he isn’t working with clients, Jeff enjoys spending time with family, travel, reading, and all types of athletics.
Canaan Penland educates investors and retirees on how to maximize the value and security of their retirement assets and long-term income plans. He states that “Being a financial advisor is not a matter of telling people how to invest but listening to their concerns and circumstances and educating them on the best available options.” Canaan strongly agrees with the sentiment of one of the most successful pioneers of global investing in that the four most dangerous words of investing are “this time it’s different.” No truer statement has ever been made about Wall Street. The only thing that you can consistently rely on in the financial markets is inconsistency. As a financial educator and advisor, Canaan has witnessed individuals repeatedly make the exact same mistakes as they near retirement, frequently leading to a negative impact on their retirement outlook.
Now residing in Southern California, Canaan is originally from Virginia, where he graduated summa cum laude with honors from Roanoke College with a concentration in finance. His interests in the financial markets and portfolio design began well before becoming an advisor, with years of experience in complex market research and the development of securities analysis software.
Canaan is very passionate about educating others on the modern financial system and the influence significant market volatility has had on investment decisions and retirement income planning. “There must be a great deal of understanding and confidence between the advisor and the client. It is a partnership…” says Mr. Penland. “The long-standing theory of ‘buy and hold’ has become ‘buy and hope’ with little understanding of the risks involved. Hope should never be part of an investment strategy and certainly not a retirement plan.” As a member of COFE he greatly enjoys educating individuals, couples, and business owners on the best options available, adding superior value and security to their financial future.
Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Greenline Associates are independent of each other. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents.
Thomas Penland says, “Financial peace of mind comes from good decisions and good decisions come from financial education”. With 35+ years in the financial industry, he understands the importance of a solid financial foundation beginning with an optimized Social Security strategy.
After years of working for both large and small financial firms, everything came together for Thomas to start a full-service retirement planning firm designed around “safe” planning, one that provides peace of mind. January 2007 Greenline Associates was founded, as the antidote for traditional financial advising. The goal being to provide everything needed to maximize life in the retirement years. After laying the groundwork, building strategic partnerships and looking at the process and experience from the retiree’s point of view he has become one of Southern California’s most sought out advisors and educators.
As an RICP®, Retirement Income Certified Professional, Tom’s goal is to assist retirees and pre-retirees with unique strategies that will allow them to make the most of the assets they have so they don’t run out of money. He says, “retirement is not the time to get rich, it is the time to not lose.” His workshops offer an opportunity to ask new questions and to see a new and brighter path, one that leads to success.
Tony Rizzo, CFP® is a gifted communicator and educator, who considers financial education to be the key to achieving retirement goals. His ability to take complex retirement challenges and break them down into easy to overcome obstacles make Tony’s classes a must for those who are nearing retirement, or who have already retired.
As a Certified Financial Planner™ and fiduciary, Tony recognizes that every individual is different. His in-depth understanding of how to achieve long-term financial goals helps his students develop strategies to meet their
unique needs, and plan for retirement income for years to come.
Fort Worth, Texas is his home, where he lives with his wife and two children. Tony’s hobbies include photography, sports, and spending time in the great outdoors with his family.
Steven E. Roeth, ChFC, NSSA – Director of Wealth Management at Sun City Financial, LLC
Steven Roeth is a Chartered Financial Consultant, which is the highest and most comprehensive financial planning designation in the financial services industry. ChFC designees complete college-level course work in all of the fundamental financial planning areas such as: Investments & Portfolio Management, Income Taxation, Insurance & Risk Management, Retirement Planning & Cash Flow Plan Design, Estate Planning, Business & Business Continuation Planning, Advanced Financial Planning Applications and more. Steven is also one of three National Social Security Advisors (“NSSA”) in the City of Las Vegas, and was chosen nationally as Advisor of the Year in 2017. As an NSSA, Steven is a nationally recognized expert in the field of Social Security planning and teaches as a guest lecturer on the topic of “Maximizing Social Security.” He currently serves as Director of Wealth Management at Sun City Financial, LLC, a leading financial services firm headquartered in Las Vegas, Nevada and an Investment Advisor Representative (“IAR”) of Redhawk Wealth Advisors, Inc., an SEC Registered Investment Advisory firm headquartered in Minneapolis, Minnesota.
Through his broad-based work with individuals in insurance and investments, by partnering with local experts in tax and law, and by serving as a consultant to his business clients he has become a well-known expert in Las Vegas, Nevada in the areas of investments, insurance, income planning, pensions, 401(k), IRA, government entitlements, asset protection and estate planning.
Steven has donated a significant portion of his time towards ending financial illiteracy in his community through educational events held onsite at various companies, municipalities, churches, and clubs. He is an Eagle Scout and enjoys camping, hiking, and golfing. Steven is also happily married to his eternal companion, Emily, and they enjoy serving in their church and visiting Disneyland with their three sons: Landon, Cason, and Braden.
Investment Advisory Services provided by Redhawk Wealth Advisors, Inc., an SEC-registered investment advisor. Redhawk Wealth Advisors, Inc. and Sun City Financial, LLC are not affiliated.
Mark Rose is a native of Ardmore, OK and has a strong background in teaching and enjoys helping his students learn about retirement planning. His goal is that once the class ends, attendees have a much better understanding of the possibilities, and how to reach their retirement goals.
Mark serves his clients in a fiduciary capacity as an Investment Advisor Representative who holds his Series 65 Securities License, specializing in Social Security maximization and retirement planning. Prior to this, he owned his own company and was the Program Manager for Executive Training ~ Team Quest with The University of Oklahoma. He received both his B.A. in Public Relations and his Master’s of Human Relations degrees from The University of Oklahoma.
Mark has been married for 23 years, has two daughters and attends Emmaus Baptist Church in South Oklahoma City. An interesting fact about Mark is during college, he was the OU Men’s Basketball mascot – Top Daug for the 1992-1993 season. He also did two years in the Semi-pros as Sgt. Slammer for the OKC Calvary basketball team from 1997-1999.
Prashant Sabapathi is a recognized Retirement Planner, Financial Educator and Speaker on the topic of wealth management and retirement planning. He is a regular contributor to the nationally syndicated Financial Safari Radio Show.
Prashant began his career at MetLife and transitioned to becoming an independent advisor in 2014. Prashant now co-owns and operates Elite Income Advisors, Inc. a Registered Investment Advisory Firm where he and his team are dedicated to helping business owners and individuals accumulate, protect and pass on their wealth over the course of their lifetime while minimizing their tax liabilities. Using a client-centric approach, Prashant customizes each client’s investment plan based on their specific financial objectives while implementing his philosophy that losses hurt more than gains help.
A lifelong Marylander, Prashant grew up in Ellicott City, attended McDonogh, and graduated with a degree in Economics from University of Maryland, College Park.
Rob Sarnelli has more than 30 years of experience in the financial services industry. Originally from New York, Rob graduated with a degree in finance from Fordham University in 1983. Upon graduation, he was recruited by the US Treasury department and became a bank examiner with the Comptroller of The Currency. In 1986 Rob joined John Hancock Financial Services where he spent 20 successful years as a registered representative and sales manager. In order to better meet the needs of his clients, Rob became a completely independent representative in 2006 with a focus on retirement planning. Through the years, he has achieved numerous elite status producer levels with several companies. Rob has been married to Joyce for 11 years and has one daughter, Francesca. He currently resides in Hebron, Kentucky and practices primarily in the greater Cincinnati/Norther Kentucky markets.
Mark Schnizer has been in the insurance and financial services profession since 1988. In early 2011 Mark joined Professional Planning Associates as partner. Mark serves the firm’s clients with his expertise in insurance products and solutions with a specific emphasis on retirement planning and asset protection. Prior to that, Mark spent twenty-two years with John Hancock Financial Network. During his tenure, Mark focused on assisting clients with their long-term care planning needs.
In addition to helping individuals, Mark also works with a number of educational institutions and small businesses in the arena of long-term care planning. Mark knows that without proper financial education, retirement can be overwhelming. His classes enable the attendees to feel confident in their choices.
Mark graduated from the University of Cincinnati in 1987 with a degree in business. Mark lives in Mt. Washington with his wife Jennifer and their two sons, Joseph and Ryan. Mark enjoys golf, antique cars, and tennis. He attends Bellarmine Chapel on the campus of Xavier University.
Kenneth Schrauben is the president and founder of Retirement Capital Services and an Investment Advisor Representative with Horter Investment Management, LLC.
Ken brings years of experience in the financial services industry to the classroom. He specializes in retirement and asset allocation planning and focuses on putting the client’s best interests first.
Through classes at local colleges, Ken is educating and enlightening area residents on how to help protect, preserve, and strive to pass on wealth to their families in a way that helps promote peace of mind.
Ken and Angela, his wife of 20 years, are very involved in their three children’s activities as well as local organizations.
Neal Sereboff is a graduate of the University of Maryland College Park with BS degrees in Agricultural Engineering and Mechanical Engineering. Neal began his career as a telecom engineer, and while working, he earned an MBA Financial Focus from Johns Hopkins University. This financial focus enabled Neal to move into the financial services field after the telecommunications marketplace correction of 2001.
Recognizing the importance of financial education for upcoming and current retirees, Neal moved to Horter Investment Management for the tactical approach to money management that they offer. He enjoys being able to interact with those attending his classes, knowing he is providing valuable material to those seeking a secure retirement.
Neal is happily married to his beautiful wife (princess Buttercup), Terry. Together they have a son, and Neal has twin daughters from his previous marriage. Neal actively participates with his religious organization and affiliated charities.
Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Advisor. Horter Investment Management does not provide legal or tax advice. Investment Advisor Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through LCF Advisors, LLC. Securities transactions for Horter Investment Management clients are placed through E*TRADE Advisor Services, TD Ameritrade and Nationwide Advisory Solutions.
Casey Short is the President of Provision Retirement, a company specializing in developing strategies and income plans for individuals and families who are nearing retirement or have already retired. With a degree in finance and a Series 65 license, he is also a sought-after consultant and educator, and has traveled the country helping numerous organizations and individuals. He works with a network of certified financial planners, income strategists, money managers, and tax planners, giving him the ability to share a share a wide-array of knowledge during his courses. With the heart of a teacher, Casey can take complex financial topics and share them in a way that is easily understandable for his audience. He is also a financial advisor with Provision Asset, LLC.
Casey, his wife, and their three children make their home in Little Elm, Texas. He enjoys fly fishing, woodworking, mission work and spending time with his family.
Wayne Sisk began in the financial services industry in 1974. He has spent his entire career in the Chicago Metropolitan and Northwest Indiana communities serving individuals, families and business owners. Wayne recognizes the need for Adult Education and feels tremendous satisfaction when sharing his knowledge. He brings to the classroom extensive teaching experience in formal education settings and less formal, community based settings.
The mission of Sisk & Associates can be summed up in two words: Charting Retirement. It is our passion to assist others in structuring assets and investments in ways that accomplish their goals for a secure retirement. As individuals approach and enter retirement, investment strategies that may have served them well through their prime working years will need adjustments and changes. Wayne serves his clients at a relaxed pace charting a retirement plan based on their unique situation – one that addresses each of the essentials of retirement security and that is free of worry and stress so that our clients sleep well at night. He is committed to strategies appropriate for retirement that emphasize safety, growth and lifetime income solutions.
Wayne lives in Chicago’s south suburbs with his wife Donna. The Sisk family is active at their church where Wayne is a member of the leadership team. He enjoys time with his family and fishing.
Wayne provides his students with the knowledge they need to enter their retirement years and brings great attention to detail in the planning process.
Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Sisk & Associates are independent of each other. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents.
Randi Taxin is a strong educator with over 20 years of experience. Her mission is to ensure that her students are both knowledgeable and educated in order to make the most informed decisions regarding their retirement needs. Considered an expert in Social Security, Medicare and the many choices of Supplemental Plans, Randi’s focus is to provide pre-retirees and retirees with the information necessary to make the best choices.
With an Advanced Life and Health Insurance License, as well as the CMS training for the federally-facilitated marketplace, Randi has the skills to guide both individuals and businesses in the right direction. As part of a team consisting of a tax/estate attorney and two accountants, Randi can take care of all retirement needs.
As a wife, mother and business owner, Randi is an active member of her community. In addition, she is licensed in her home state of Pennsylvania, New Jersey, Florida and Texas.
A. Ronald (Ron) Taxin has been active in the income tax, financial, estate and retirement planning area for over 35 years. Ron worked at large international accounting firms assisting Fortune 500 officers and high net worth individuals. During the past 5 years Ron has advised small- Mid sized business owners, entrepreneurs and near retirees on investments, tax and estate planning and preparation for retirement. He has spoken at numerous conferences regarding tax issues and planning for individuals and businesses. Ron has used his vast knowledge to educate others on how to best approach their retirement years.
Ron is a graduate of Lehigh University with a BS in Accounting and Finance, JD from University of San Francisco and a Masters in Tax from Temple University School of Law. Ron is an Independent Advisory Representative and the Tax Director at the University of Delaware.
Steve Tilka, Retirement Planning Specialist, is one of only 250 agents in the country who have successfully completed the rigorous training program and continuing education required to become a Bank On Yourself® Authorized Advisor. Steve graduated with a B.S. in Finance from Indiana University in 1986. Right out of college, Steve trained as a financial analyst and developed his financial foundations. In 1988, Steve began his career in insurance as an integral part of building the sales teams of two start-up insurance companies. He soon went from being an agent and trainer to a state director.
After spending over 25 years in the financial services industry, Steve says he has seen so many people take unnecessary risks with their savings, only to lose when the market gives up its gains. This can be devastating to peoples’ dreams in retirement. Steve embraces the responsibility of educating others in order to gain greater control of their money so that the money they need is there when they need it.
When not at work, Steve enjoys golf, fishing, and spending quality time with his family. Steve and his wife Tracey have been married for 25 years and have two teenage sons.
James J. Vitou is the founding principle in the firm Vitou Financial Services, LLC. Jim is a financial professional with over 25 years of experience in the insurance and retirement planning arenas and is a Retirement Income Certified Professional (RICP®). Jim believes that as our generation faces its golden years, we’re learning more and more about trends in aging and trends in investing. With a significant portion of the population maturing and retiring, the common lesson is that most people have not prepared financially to achieve lifetime income and some degree of estate protection. We can help you develop a complete financial strategy to help you protect your assets and develop consistent retirement income, and education is the first step!
Jim has considerable experience in the areas of financial resource analysis and resolution, retirement planning, business continuity planning and executive fringe benefits. He has worked with sole proprietors and fortune 500 companies such as Key Corp, BP Oil and Steris Corporation to name a few.
Jim received his BS/BA from John Carroll University. He currently sits on the Board of Directors of MCDI Corporation and Rogers Retirement Inc. He is Board Chairman of Rogers Family Intergenerational Daycare and is active in the Rocky River and Collinwood communities.
Jeffrey M. Viveros is the President of Strategic Financial Services and has been helping people become educated on their financial options for over 32 years. To forward his mission of bringing education and knowledge to American retirees and pre-retirees, Jeff was involved with his brother in founding Educators Financial Services and Safe Harbor Financial. Jeff and his brother Eric have also spent over 2 decades working with teachers to help them navigate through the maze of financial options that are available to them. Because teachers are important to the future of our country, by educating our future leaders, Jeff has a passion about helping them maximize the opportunities available to them. Due to years of training and education in his profession, as well as the coveted training and title as an Ed Slott Master IRA Advisor, Jeff takes an educational approach with everyone he works with.
As someone who considers himself a consumer advocate, Jeff knows that retirement should be a rewarding time to spend doing what you enjoy with family or friends. But for many it can be confusing and worrisome not knowing if you will have enough money to make it through retirement. Jeff approaches each conversation and meeting through an educational method. He assumes nothing and addresses each person’s needs and goals as unique to them.
Jeff does community outreach educational programs with local colleges to help people understand retirement planning as well as educational workshops to let people know about various options that are available to them to maximize their social security benefits. Jeff’s personal policy is to consider each person or family he works with as part of his family and he treats them accordingly.
On a personal note, Jeff is a Christian and his donations go to his Church and the schools he is involved with. When Jeff is not working with clients or delivering educational workshops, he is spending time with his lovely wife and daughter. He has a strong family of 3 brothers and a courageous mother whom he is very fond of.
Warren Wall is the President of Wall and Company, Inc., with over 25 years in the financial services industry. He is a Certified Financial Planner who is dedicated to creating wealth and financial security for his clients. Warren is also the co-author of three books on retirement planning and is a well-respected financial educator. He enjoys hiking, biking, skiing and exploring the great outdoors with his wife Lauren and loyal Golden Retriever Juni.
Wesley Walters has been assisting families to protect and grow their assets for 20 years. He entered the insurance industry in 1995, offering Long-Term Care insurance. When meeting with families age 55 and higher, he heard many stories of how their finances had been decimated by the 2000-2003 stock market correction. He recognized the importance of financial education in order to help families protect and grow their assets safely. Wesley’s passion is assisting people to maximize the potential of their financial resources.
Wesley is an Investment Advisor Representative representing Brookstone Capital Management, LLC (BCM), a registered Investment Advisor. He holds a Series 65 investment advisor representative securities license.
Wesley is very enthusiastic regarding education, specifically in long-term retirement income planning with an emphasis on helping his students understand the importance of coordinating all sources of income to meet their retirement objectives over their 25-40-year retirement.
Wesley is a native of Charlotte, NC. He and his wife, Sally, recently celebrated their 44th wedding anniversary.
Phillip Wehrman came to the financial industry in a roundabout way. Phillip originally went to school for mechanical engineering and worked designing fastening systems for the automotive industry. Not being able to sit and watch the Iraq War unfold without participating, he joined the United States Marine Corps as did both of his brothers. Upon his return to MI, he knew he did not want to sit behind a desk and draw. Phillip pursued several different career opportunities before coming to the realization that he wanted to help people protect their most import assets.
After the decline of 2008, he saw the pain and disconnect people had with their finances. Phillip now feels blessed to have the opportunity to truly show people all their choices so they can make hard, sound decisions. Phillip recognizes that financial education is a most logical start in order to achieve the financial security that we all want to achieve. Coming from the automotive industry, there was only one method taught to save, he is excited that he can now share superior methods with those who need them most.
Phillip has been in Michigan all his life; born and raised in Sterling Heights. He has stayed in the same general area to raise his 6 kids with his strong, beautiful wife.
Nicholas L. Yashin has been helping his clients since 1999, working as a financial planner with respected, industry-leading firms including Merrill Lynch, Bank of America, E*Trade and Morgan Stanley. For the past 8 years he was a top educational professional with Crash Proof Retirement.
Yashin’s mission is to not only protect the nest egg of the American retiree from recessions without the risk of market loss, but also to provide a guaranteed retirement income design that will ensure his clients’ assets last a lifetime.
Yashin and Jane, his wife of 45 years, are blessed to have four children and two grandchildren. Yashin is a graduate of Temple University with a bachelor’s degree in Communications, and outside of work, his hobbies include sports, fishing, and working out.