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Our Instructors

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.

Ralph Adorno

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.

Matthew Allgeyer

Matthew Allgeyer is a St. Louis native and graduated with honors from Rockhurst University in Kansas City. Recognizing the importance and need for Financial Education, he has been teaching classes for many years, helping those approaching retirement prepare for their ‘golden years’.

Working in an independent advisory firm, Matthew can objectively analyze one’s situation and provide the information needed to make sound recommendations. Matthew carries series 7, 6, 63, 65 and life and health licenses. “I want to know what’s most important to you and craft a personalized plan that will align your financial resources with your personal values and goals”. “I will focus on listening to your specific needs, dreams and fears, acting together to implement a plan, and reviewing the plan to make sure that it adapts to your changing situation”.

Matthew’s biggest joy in his life is his family. He spends his free time with his wife and four children, two in high school and two in middle school. “I value the ability to recognize and be thankful for life’s many blessings”.

Securities & Advisory Services offered through Calton & Associates Inc.  2701 N. Rocky Point Drive, Suite 1000 – Tampa, FL 33607 813-264-0440 FYRA Capital Management and Carlton & Associates are separate entities

Brian Askins

Brian Askins, owner of Secure Insurance Group began his career in the insurance industry In April of 1990. Brian found great success and was named ‘Rookie of the Year’ in 1991. His leadership skills enabled him to advance his team to #1 status. But – Brian wanted to provide a different type of company and in 2014 he started his own independent insurance agency. When Brian started Secure he had one goal in mind: to create the best independent insurance opportunity that an agent could dream of being a part of.

Brian is proud to assist those who are approaching or already in retirement. As an expert in his field, Brian provides adult financial education classes that provide clarity on the many strategies involved in the retirement process. In this complex world, it is important to feel confident about the ‘best years of your life’.

If you were to ask Brian what he considers as his biggest accomplishment in life is – it wouldn’t take long for him to answer. He will tell you that that his family means everything to him. He has been married to his wife Patti for more than 31 years. They have four children, three in-laws, and five grandchildren.

Evan Avgerinos 

Evan Avgerinos is a Financial Planning and Portfolio Consultant with Ellis Investment Partners, LLC where he provides comprehensive investment advisory services and manages client portfolios. Evan is also founder and President of the Valley Forge Consulting Group, a financial planning and insurance brokerage firm specializing in employee benefits and retirement plans.

Evan has been in the financial services industry for over 28 years, providing these services to privately and publicly held companies, including ones listed in Fortune 500. He has been invited to speak on financial planning concepts at industry events and has been an instructor for Main Line Adult Financial Education in the Philadelphia area providing adult education at the West Chester University Graduate Center, Temple University and at various Penn State University campuses. Evan is an alumnus of Penn State University and holds the Chartered Benefits Consultant (CBC), and Certified Fund Specialist (CFS) designations. He is also a 2nd year winner of the Five Star Wealth Manager award in the Philadelphia area.

Ellis Investment Partners (EIP), LLC offers investment management and fee based financial planning services. EIP LLC, as a Registered Investment Adviser, does not offer Insurance products. Insurance products are solely offered through other broker arrangements outside of Ellis Investment Partners, LLC.

John Badalamenti

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.

Darcy Bergen

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).

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, a Registered Investment Advisor. Sub-advisory services are provided by Advisory Alpha, LLC, a Registered Investment Advisor. Insurance, Consulting and Education services offered through Bergen Financial Group. Bergen Financial Group is a separate and unaffiliated entity from Simplicity Wealth and Advisory Alpha.

Mark Billes

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.

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 Safe & Secure Retirement & Insurance Services. Securities transactions for Horter Investment Management clients are placed through E*TRADE Advisor Services, TD Ameritrade and Nationwide Advisory Solutions.

Andrew Boettcher 

Andy Boettcher of Tristate Trinity has over 15 years of experience in financial and estate planning. Andy finds it extremely rewarding to share his expertise in senior income planning, estate planning and long-term care options.  As an active member of his community and church, he takes serving his fellow tri-state residents seriously and has made it his personal mission to enrich people’s life through education. Andy takes great pride in providing peace of mind through adult financial education classes.  

Andy is a happily married to his wife Karen and is a true family man with six children. His wife Karen has worked in hospice and home healthcare, and they really make supporting their community into the family business! When not at work, Andy and his wife run an antique business together, combining their love of each other and the hunt for unique treasures at estate sales and flea markets.

Andy will truly make you a member of the family when you meet to discuss the best options for your unique situation.

Dan Brooks

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.

Allison Brown, CPA, MBA

Allison Brown is a CPA and the owner of BrightPath Retirement Solutions.  Allison is a member of Ed Slott’s Elite IRA Advisor group. She has a Master’s in Business Administration in Finance and Marketing from the University of Chicago, a top-ranked business school.  In addition to the MBA, she has a B.S. in Finance from the University of Maryland, College Park.

With many years in the financial services field, Allison has a strong focus on financial education.  Allison’s classes provide individuals with easy-to-understand information on personal finance, wealth, and successful retirement. As a CPA, Allison uses her knowledge of the tax code to ensure her clients’ retirement plans are tax-friendly.   Allison feels it is critical for others to understand how important tax planning is as part of a complete financial and retirement plan. 

BrightPath Retirement Solutions has offices in Maryland, North Carolina and Florida.  Allison is able to help clients in these states as well as anywhere in the U.S. through virtual meetings.   Her focus is always to understand each client’s individual needs and to create plans to meet those needs.  Whether it is to build wealth, protect your family, or preserve your assets, her personalized services focus on your needs, wants, and long-term goals.

Josh Burns

Josh Burns, owner of Capstone Insurance & Financial Group, located in Flowood Ms., has been in the insurance industry since 2008. He has been part of several different great companies through the years, as an Agent, a District Sales Manager, as well as an Exclusive Financial Service Representative and has always found quick success wherever he goes due to his “never let up” mindset. Making the decision to start his own independent insurance agency has been a dream come true. He values the true friendships he has made along the way, and is always looking to become the best at what he does.

Josh believes whole heartedly in providing financial education within his community. As a leader in this industry, he strives to go above and beyond, recognizing that making connections, and providing people with personal attention and information, is the key to success.

Annetta Carter 

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.

James Cooper

Jim Cooper is a Certified Financial Fiduciary and has recently relocated to Central Florida from New Hampshire. He was employed for 30 years in the defense industry and while working earned a Bachelors Degree in Business Management from Leslie University in Cambridge MA. His career in the Defense Industry allowed Jim to travel the world conducting training classes and providing technical support to multiple companies.

One of Jim’s strengths has always been the ability to take complex and confusing information and present it in a way that is easily understood. Over the last 10+ years this approach has served him and his clients well when it comes to explaining all the pieces that are required to structure a sound and robust retirement plan.

Jim’s no pressure approach enables him to provide financial classes that provide a new insight into retirement planning. With this new insight Jim is able to help people to gain a clear vision of their financial future and the steps they need to take to achieve their financial goals.

Richard Claxton

Rick Claxton of Smith Gillis Financial, is a true “financial guy”! He has always had an intrinsic interest in financial and retirement planning, having opened his very first retirement account before graduating college.  After college Rick enlisted in the Army National Guard as a combat medic, shortly thereafter being recommended for Officer training. All the while, Rick maintained his interest in the financial world. So much so, that during his deployment to the Middle East as a Field Artillery Officer, his platoon gave him the call sign “Wall Street.” As a platoon leader, Rick mentored his soldiers and encouraged them all to make smart money decisions and to plan for their future. Rick feels strongly that putting the clients’ needs first is the only way to serve his client’s needs best. His military training and combat experience has given him the ability to formulate strong plans based on calculated decisions in complex environments. This experience has prepared him to navigate through the needs of his clients to formulate a solid plan with a strong foundation. 

Rick recognizes the importance and value of financial education and stresses the importance of retirement planning. Rick is proud to offer pro bono financial classes through COFE (Council of Financial Educators) to increase community awareness of the options for retirement and to ensure benefits are maximized to their fullest potential

Rick thoroughly enjoys meeting with clients and evaluating and creating strategies for their Social Security, Medicare, and Retirement Planning.

Rick currently serves as a Major in the Army National Guard. He, his wife Abby, daughter Zoe, son Carter and dog Sadie live in Wallingford.

Brian DeBruin

Brian DeBruin is a  graduate of North Carolina State University. Brian began his financial services career in 1996 with LTC Global, a national insurance agency specializing in long-term care solutions. Seeking to expand his practice, he acquired his securities license and began a role as a regional manager within a Guardian insurance agency in 2003. He spent the next decade at Guardian, furthering his knowledge and developing the skills necessary to assist individuals with the pursuit of their financial goals.

In 2014, Brian started a position with Asset Protectors and Advisors as a retirement planning specialist and became a top performer before accepting an offer from BrightPath Retirement Solutions in 2019. An adjunct professor at Wake Tech Community College, his commitment to financial education remains a key component of his career as he strives to help others design a secure retirement.

Brian and his wife Ashley have two daughters, Tyler and Emerson, and currently reside in Holly Springs. He enjoys golf, tennis, fishing, reading, spending time with his family, and is active in his church.

BrightPath Retirement Solutions 5540 Centerview Drive, Suite 200 Raleigh, NC 27606  (919) 434-4751

Misty Detiveaux

Misty Detiveaux, of Detiveaux & Harkins, is a Solutions Specialist. She understands the values of hard work and recognizes the need to have a financial plan in place, no matter your stage in life. By offering ongoing financial education classes, Misty provides her local community with strategies and solutions to prepare for the future.

Misty graduated from Nicholls State University in 2003 with a degree in Business Administration and is a Houma native.  After working and putting herself through college Misty moved directly into the insurance industry. Since that time, she has worked diligently to provide solutions that provide security and peace of mind to their families.

Chuck Dinise

Chuck Dinise has been in the Insurance and Financial Services Industry for the past 30 years. He has spent his career working for some of the most highly rated Insurance Companies in the Industry. He began his career in 1989 working with the Knights of Columbus. It was at this time that Chuck began his speaking and seminar career. He began writing a monthly Newsletter column and was published in the Fraternal Monitor Magazine. After nearly 15 years of dedicated service to the Knights of Columbus Chuck decided to move his business from Orange County closer to his home.

He spent a few years with numerous of big-name mutual insurance companies where he received additional training and added his Series 6, 63 and 65 Licenses. He continues to utilize his Series 65 license as an Investment Advisor Representative of Advisory Alpha, LLC, a Registered Investment Advisor.

In 2009, Chuck decided to form Dinise Financial & Insurance Solutions to better serve his clients by having more than one company’s solution to his clients’ problems. He now has affiliations with several Insurance Companies enabling him to present a variety of options to best suit the needs of his clients.

Chuck has been married to Diane for 42 years and has three children and 4 grandchildren. He is a past Board of Director for the Fontana Chamber of Commerce. He is an active volunteer at his Church and donates many volunteer service hours to charitable organizations.


Investment advisory and planning services offered through Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, Consulting and Education Services are offered through Dinise Financial Insurance Solutions. Dinise Financial and Insurance Solutions is a separate and unaffiliated entity from Advisory Alpha.

Stephen Dissette

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.

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 Stephen Dissette & Associates. Securities transactions for Horter Investment Management clients are placed through E*TRADE Advisor Services, TD Ameritrade and Nationwide Advisory Solutions.

David Donhoff 

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.

Trent Dransfield – RFC

Trent Dransfield, President of Dransfield & Associates has been a Safe Retirement Specialist for the past eighteen years. Trent has been active in the financial field throughout Southern Utah, Northern Utah and Idaho.  Trent is currently a member of the Certified Fraud Examiners and MDRT committee as well as a Registered Financial Consultant.  

Trent has focused his practice on 100% Safe Solutions for his clients, or “family as he calls them. Hard work has allowed Trent to earn three (3) degrees from Colleges and Universities in both UT and CO.  His education has enabled him to work in both the medical and financial fields. Trent states that “as a Physical Therapist, I was able to truly connect with patients”, a connection that has enabled him to excel in the area of financial services as well.

A huge advocate of education, Trent brings real world experience to the classroom, recognizing that education is the key to identifying those missing pieces that people might have in their retirement planning. Trent’s classes provide an excellent opportunity to review what you know and learn what you don’t!

Trent and his wife Andrea have a wonderful family with seven children.

Gregory S. DuPont

Gregory DuPont, founder of DuPont Wealth Solutions, LLC and partner in the law firm of DuPont and Blumenstiel brings a vast amount of knowledge, education, and experience to his adult financial education classes as an estate and tax planning attorney and Certified Financial Planner (CFP®)

Greg graduated with an accounting and finance degree from The Ohio State University and obtained his law degree from Capital University Law School.  He has been serving clients as an estate and tax attorney since graduating in 1992. He is that rare financial professional who can provide cross-disciplinary solutions from the legal, tax and investment perspectives.

Greg lives in Hilliard with his wife Julia and daughter Sophie. Greg is a long-time fan of The Columbus Blue Jackets, and all things Buckeyes.  He is a member of First Community Church where he serves as a Trustee on the First Community Foundation and as the chair of its Investment Committee.

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 DuPont Wealth Solutions, LLC. Securities transactions for Horter Investment Management clients are placed through E*TRADE Advisor Services, TD Ameritrade and Nationwide Advisory Solutions.

Paul Dyer

Paul Dyer owns and operates US Tax Centers of Bangor as well as several other successful businesses in Bangor, Maine. However his true passion is Tax Planning and Education. Paul and his wife Lisa founded a DAF, Legacycharities.org, and are active in fundraising for multiple causes. They are currently working to help fund their local Chapter of the Red Cross in order to assist with COVID-19 related programs. 

Paul has lived in the Bangor area for 50+ years and currently resides in Hampden with his wife Lisa. His son Ben is attending the Maine Maritime Academy and is an accomplished scuba diver. His daughter Claire is at Hampden Academy and is a Flyer on the Cheerleading teams – Go Broncos! 

David Eissman

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.

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”.

Timothy Fallon

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 Ferraresi

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 

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

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

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.

Derek Ghia 

Derek Ghia, CFP® , CIMA® of Greensview Wealth Management has a goal of taking the mystery out of preserving wealth and preparing for retirement. He has seen too many folks miss out on potentially rewarding opportunities for themselves, their business and their family by taking on unnecessary financial risks and failing to adequately protect their hard-earned assets. That’s why he entered the industry: To take the complex and confusing and turn it into simple and clear strategies for success.

He holds the designation of CERTIFIED FINANCIAL PLANNERTM (CFP®) and Certified Investment Management Analyst® (CIMA®).

Today, Derek is passionate about providing financial planning services for professionals and retirees. He believes the financial plan is the blueprint for a complete financial home, and in that home, investments, risk management, tax optimization and estate planning occupy different rooms. Each room has its own style, layout and structure. When pieced together, the complete financial home offers a strong foundation for years to come.

In his free time, Derek enjoys spending time with his wife and daughter, the outdoors, hockey, and cooking.

Greensview Wealth Management, LLC, a federally registered investment adviser under the Investment Advisers Act of 1940. Registration as an investment adviser does not imply a certain level of skill or training. The oral and written communication of an adviser provide you with information about which you determine to hire or retain and adviser. Past performance is not indicative of future results.

John Goodhue

John Goodhue of APO Financial is a nationally recognized financial educator with a passion for helping people think about their wealth from a new perspective. John has a core belief that you must live life now, while you have your health, since once it has gone it is gone! As a well-respected Speaker and Author, John’s classes focus on helping people face the many decisions in the retirement process in order to develop a clear path and avoid the pitfalls of running out of money and to be able to live life to its fullest.

John is a Summa Cum Laude graduate of Eastern Kentucky University and the University of Kentucky College of Law. John and his wife, Mary, live in Denver with their eight children and grandchildren. As a true family man, John loves sharing how people can leave a legacy with not just their money, but also of their values and significant influence in the community.

Insurance and fixed annuity products are offered through Asset Protect One, Inc. and/or APO Financial, Inc. APO or its affiliates do not provide legal or tax advice. Investment advice is offered through APO Financial Services, LLC (“APO”) 10155 Westmoor Drive, Suite 175, Colorado 80021-2627.

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.

Dawn Harkins 

Dawn Harkins, President of Harkins, LLC, is a premier retirement strategist. Her experience in the financial industry gives her a unique perspective on how to help individuals reach their retirement goals. By offering ongoing financial education classes, Dawn provides clarity to those who are preparing, or already in retirement.

Since 2003, Dawn has offered personalized service and sound strategies for protecting families when they need it the most. She focuses on the needs of the individual, understanding that no two situations are the same.

Dawn is a graduate of Louisiana State University.

Philip Henry

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. 

Michael Holland

Michael Holland is both a Founding Member and President of International Research Securities.  Michael is 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 Principal and mentors financial advisors who are looking to improve the community and their surroundings.   

Michael’s goal is to ensure that his classes provide attendees with the tools to determine what their road to retirement looks like and how to create their own personalized strategies to achieve their goals.

Michael is a former all-American Decathlete and hall of fame inductee at his university for Soccer. Michael is an active board member of LSG in Frisco and is CEO of the Hedge Fund, Wyatt Investments. In addition, Michael supports the charity Leelanau & Kohahna Foundation. In his recreational time, he plays soccer, runs marathons, plays ice hockey, and can float in a pool. He and his family reside in the Dallas area, and his greatest sense of pride is in his children, Summer and Wyatt.

Chip Hunt

Chip Hunt – President and Founder of PrimeTRUST Advisors, brings nearly 40 years of experience in the retirement plan industry to his Adult Financial Education classes. Most of his experience includes working with chief executives, finance officers and investment committees of corporations in formulating planning and investment strategies for their institutional 401(k) and pension plans. From this experience, Chip teaches a pragmatic and disciplined “goal-based” approach to retirement income planning for the everyday investor. Chip helps individuals to answer the question – “Are we on track for a secure retirement?”. Individuals often have multiple financial sources, each with its own set of complexities. Chip’s course instructs individuals on concepts for best integrating these resources into your overall “goal-based” retirement income strategy, while recognizing and navigating the obstacles to a secure retirement.

 “75 percent of Americans are ‘winging it’ when it comes to their financial future.” – CNBC Survey, August 2019.  Financial Education can ensure that you are in that prepared 25% by providing better information, better decisions, achieving better results.

Mark Kanakaris

Mark Kanakaris is the owner of Cherokee Tax Group, located in Woodstock GA. Mark provides financial services and is an enrolled agent, federally licensed to practice before the IRS. Mark is a true believer in the power of education, recognizing that there is no ‘cookie cutter’ version of financial or retirement planning. Affectionately called “The Dean of Finance” by many of his peers, Mark regularly offers financial education classes within his local community in order to provide timely and accurate information for those who are seeking information and are looking for ways to achieve the best retirement possible. 

Mark is a veteran of the United States Air Force and a graduate of Mercer University in Macon GA, holding several degrees and certifications. Mark has lived in GA for the past 17 years along with his wife and children. He is active in the community, coaching various sports teams for his children as well as serving on the financial board of his church. 

Kevin Kensinger

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 United States Army.

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 Stephen Dissette & Associates. Securities transactions for Horter Investment Management clients are placed through E*TRADE Advisor Services, TD Ameritrade and Nationwide Advisory Solutions.

Brandon Klemm

Brandon Klemm, of AFS Financial Group, is a licensed insurance advisor with a passion for educating. He provides knowledge from years of experience to develop an understanding of the retirement process. His classes include determining needs, understanding options, and creating strategies to achieve their dream retirement. His classes provide clarity on the most important aspects of retirement by transforming complex concepts into manageable actions steps.

Brandon graduated from Olivet Nazarene University with a B.S. in Marketing.

Brandon and his wife Bre have been blessed with three beautiful children, Jack, Riley, and Charlie. They are also the proud parents of a loving Golden Retriever named Lacey.

Advisory services offered through AFS Wealth Management, LLC, a Michigan Registered Investment Adviser.   Tax and financial planning offered through AFS Tax Management, LLC and insurance advisory services offered through AFS Insurance Management, LLC, a Michigan License Insurance Agency.

Tracie Lampson

Tracie Lampson, President of Lampson Retirement Solutions, is a native Texan and has been providing industry expertise and customer satisfaction since 2005 when she became a licensed agent. While planning for her husband’s early retirement, she immediately realized there was a real need to educate others who have recently retired or that are contemplating retirement. Her main area of focus is now centered on financial education and helping others preserve their hard-earned nest egg against possible catastrophic life events that are likely to occur after retirement.

Tracie loves the opportunity to meet new people and understands that by providing Adult Financial Education, she can help people truly understand the various options available to them.

As John C. Maxwell quoted, “People don’t care about how much you know until they know how much you care.” Tracie cares and you will be delighted in her approach once you meet her.

Richard Lange

Dick Lange is the President and Founder of Paramount Financial Advisors. He founded his company because, as a baby boomer himself, he knows 10,000 people retire each day. After working an entire career, like many retirees, Dick and his wife Linda moved to Florida. They experienced all the emotional and financial challenges related to transitioning from work to retirement. Dick recognizes that people need practical advice, accurate answers, and professional help when shifting from one Life stage to the next. Financial education is the first step in achieving the successful, fulfilling retirement that everyone wants.

With 45 years of business experience with Fortune 500 corporations and running his own company, Dick has demonstrated his ability to help individuals and organizations set and achieve goals. The Paramount team is dedicated to complete retirement success. Collectively assisting thousands of people create and implement their financial goals and lifetime dreams.

Dick is a member of the National Ethics Bureau, an organization that explicitly oversees the business practices of financial advisors. He also is a past board member of The CEO Council of Tampa Bay.

Dick received his BS degree in economics from Indiana State University and attended the Kellogg Business School at Northwestern University. He is the past volunteer Marketing Director for SCORE in Naples, Florida. Dick grew up in Beech Grove, Indiana. He learned the value of hard work, honesty, and integrity from his father, who worked for the US Navy, and his mother, who worked for the pastor of their church.

Jessica Lanning, JD, CFP®

Jessica Lanning is the “Family CFO,” advising and guiding people through their financial decisions for over 20 years.  She is the chief strategist and founder of Lanning Financial Inc. and draws upon her experience with clients to bring real-world scenarios to the classroom. 

Jessica has provided financial education to 800+ investors as well as continuing education courses for lawyers, financial planners, and insurance professionals.  Her classes provide a down-to-earth, tell-it-like-it-is approach.  Her advice is practical, achievable, and delivered with thoughtfulness and laughter.  She believes you start where you are, do the best with what you’ve got, make mid-flight corrections often to stay on course, and use the money you have to live a life that brings joy and meaning to you.

Jessica lives in San Francisco, is a mom to two teenagers, and enjoys downhill skiing and making art.

Fields Leake

Fields Leake, Futurity First Wealth Management, has more than 30 years of experience in the financial services industry. Fields and his team engage clients in a unique planning process founded on practical experience gained from working in a collaborative approach dedicated to discovering the core values held by clients regarding their money. “Creating a ‘legacy’ is not just a matter of good stewardship of assets,” says Fields, “it is also the clarity that comes with understanding the client’s values and the life history that created them.”

This planning approach is what Fields shares in his Financial Education classes, knowing that the future is of paramount importance for attendees and their families.

Fields believes that Incorporating the client’s attorney, CPA, and any other key advisors into a proactive advisory team – focused on serving the client’s best interests – maximizes value-added results. Courage and passionate conviction are the “bricks and mortar” that builds his credibility – clients and our humility are what sustain it.

Bryan Little

Bryan Little has been an Insurance Licensed professional since 1994 and is a member of Bergen Financial Group. He is also Investment Advisor Representative with Horter Investment Management, LLC and a fiduciary who is focused on helping educate retirees and pre-retirees on how to preserve their retirement savings while still utilizing investments to help their money grow. Bryan brings investment, estate and tax planning needs together to build a path towards a prosperous retirement for his clients. 

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, a Registered Investment Advisor. Sub-advisory services are provided by Advisory Alpha, LLC, a Registered Investment Advisor. Insurance, Consulting and Education services offered through Bergen Financial Group. Bergen Financial Group is a separate and unaffiliated entity from Simplicity Wealth and Advisory Alpha.

Fred Lowry

Fred Lowry of Brightpath Retirement Solutions is a true financial professional who believes in the power of education. Having witnessed friends and family struggle to find the help they needed to map out their financial future, Fred felt called to provide adult financial education in his community. Fred and his team are confident that with their understanding of personal finance, coupled with their training as financial professionals, they can help people better prepare for the future. After years in the business, they have developed a reputation for educating individuals in an easy-to-understand manner so they can grasp personal finance and use those concepts to pursue their financial objectives.

A graduate of the University of North Carolina at Chapel Hill, Fred began is financial services career in 2011 and quickly began running, and training, a team of financial educators across the country. A natural educator, Fred’s knowledge and experience ensures that those attending his classes will walk away with sound financial information.

Fred and his wife Jessica have two children, Wilson and Adeline, and currently reside in Raleigh.  He enjoys working out, playing board games with friends, and spending time with family.

Thomas Marshall 

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 

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 Arizona, Jeff is originally from Florida, born in sunny St. Petersburg. In his personal time, he enjoys staying active with racquetball, hiking, scuba diving, playing golf and spending free time on the mountain trails and in the National & State 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.

James Mayer

Jim Mayer, President of Freedom America Retirement Services of New England has spent more than 35 years in the financial services industry. His early career years focused on delivering retirement benefits to Fortune 500 companies. He is now an educator, working with the Council of Financial Educators to provide valuable information to assist families and companies on how to navigate through the retirement and savings process. A much-overlooked aspect of retirement planning is the proper understanding of Social Security benefits, along with ascertaining when and how to properly file.

Born and raised in Northern New Jersey, Jim attended Temple University in Philadelphia, Pennsylvania and St. Peter’s University in Jersey City, New Jersey, earning a Bachelor of Science in Marketing Management and a minor in Mathematics. He learned the retirement industry from the ground floor working at the former Bankers Trust Company while still a senior in college as part of the bank’s cooperative education and management training programs.

As a fiduciary and President of Freedom America Retirement Services of New England’s three office locations, Jim offers complimentary consulting which includes an analysis of how different tax-qualified accounts like IRAs and 401(k)s, as well as pensions and Social Security benefits need to come together to form an overall income plan. “There’s no manual for retirement. So, it is key that clients make the right decisions in conjunction with all their assets,” he says.

Jim is also trained in Six Sigma, LEAN and Continuous Improvement methodologies, and likes to apply systems design and continuous improvement in his own life: He’s currently pursuing further training at The American College of Financial Services. Jim hosts a radio show, “Financial Safari Sundays” which can be heard each Sunday afternoon from 4-5 PM on WPRO News Talk Radio- 99.7 FM or 630 AM.

Robert McDowell

Robert J. McDowell advises people who are preparing to retire or are already in retirement. As a financial educator, Rob has taught over 100 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.

Richard McGrath

Richard A. McGrath is the Founder and Chief Executive Officer of Dominion Financial Solutions. It has been his passion for over 25 years to serve his clients and help to ensure that their goals and objectives are achieved. While most advisors choose to compete with other advisors based on products, plans and performance, Richard and his staff of licensed professionals choose to provide education, strong relationships, and world class service.

As a lifelong resident of Hampton Roads, Richard’s community ties run deep and are seeded in local businesses, government and our military. The product of a military/civil service family, Richard attended Norview High School, followed by Old Dominion University for both his undergraduate and graduate degrees. Richard entered the financial services industry with a desire to help others and holds insurance licenses in multiple states across the country, and his FINRA Series 65 registration. Richard serves as the Chairman of the Board of Trustees for the Old Dominion University Athletic Foundation. He is the First Vice Chairman of the Board of Directors for Chartway Federal Credit Union and the Vice Chairman of the Board of Trustees for the We Promise Foundation. Richard also serves on the Board of Directors of the Alzheimer’s Association.

Over the years, Richard and his staff have built a successful firm that focuses on retirement income and distribution, estate planning concepts, wealth preservation, business succession, and employee benefit services. Richard’s commitment to strong long-term relationships and his passion for financial literacy and education with his clients sets him apart from other advisors.

Fee-based financial planning and investment advisory services are offered by Rauch Advisory LLC, a Registered Investment Advisor in the Sate of Virginia. Insurance products and services are offered through Dominion Financial Solutions. Rauch Advisor LLC and Dominion Financial Solutions are not affiliated companies. Advisory services offered through Rauch Advisory, a Registered Investment Advisor in the state of VA. 

Hubert McIntosh, CPA

Hubert McIntosh is a partner at Lifeline Tax Inc. Hubert states that like most tax firms, he offers all the standard services of bookkeeping, and tax preparation. However, he and his team have developed an approach to ensure that individuals they work with have access to a full menu of specialized services designed to ensure that individuals, professionals, and small to mid-sized businesses remain financially sound and prepared for a strong future. Recognizing that there are so many unanswered questions surrounding the retirement process, Hubert offers classes to the public, hoping to remove a great deal of stress involved in the process. 

Hubert earned a bachelor’s degree in accounting and bachelor’s degree in finance from the University of Florida (UF), in 1994 and passed the Certified Public Accountant (CPA)examination in 1998. In his spare time Hubert enjoys playing dominoes, reading, networking, and spending time volunteering with various church related projects.

He is a Member of the American Institute of Certified Public Accountant (AICPA), National Association of Enrolled Agents (NAEA), Florida Society of Enrolled Agent (FSEA) Cambridge Who’s who in Accounting and Taxes, Boynton Beach Community Development Corporation (BBCDC) -Board Member, Caribbean-American for Community Involvement (CAFCI), Trinity Church International (TCI).

Investment Advisory services may be offered through Forta Financial Services, inc. (Forta), a member FINRA/SIPC. Lifeline Tax Inc. is not affiliated with Forta. Investment Advisor Representatives of Forta may only conduct business with residents of the states in which they are properly registered. Forta does not provide legal or tax advice.

Jay Mehta

Jay Mehta of Veraz Advisors brings over 20 years of professional experience to the classroom. Jay feels strongly that financial education is key to creating a solid retirement plan.

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 is also the co-host of the popular Bay Area talk show Finance 2 Freedom, which covers strategies designed to minimize market losses, increase income, lower taxes and protect & growth wealth for individuals, families and businesses owners.  Seen on KRON4, CBS and the CW.

Investment advisory services are offered through Veraz Advisors, LLC, 2355 San Ramon Valley Blvd, Suite 204, San Ramon, CA 94583. Additional information about Veraz Advisors, LLC is available on the SEC’s website at www.adviserinfo.sec.gov. Insurance products are offered through Veraz Insurance Solutions, LLC, California License#: 6000822.

John Miller 

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

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. 

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 Miller Investment Management. Securities transactions for Horter Investment Management clients are placed through E*TRADE Advisor Services, TD Ameritrade and Nationwide Advisory Solutions.

Rod Moore

Rod Moore of Moore Tax and Financial Services has over 25 years of experience in the financial services industry. As an educator, Rod brings a wealth of knowledge and real-world experience to those attending his classes. Knowing that planning is the key to achieving retirement goals, Rod has made it his goal is to ensure that people know how to protect their assets and ensure that they have the income they need in order to meet their retirement goals.

Rod has 3 adult children and 10 grandchildren. Rod enjoys playing golf, and fancies himself an amateur cowboy artist, and enjoys oil painting when he has spare time.

Michael Morgan 

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.

Raphael Musto

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.

Allen Neuenschwander

Allen Neuenschwander was brought to the world of financial planning and investment management after a devastating family tragedy. After picking up the pieces, Allen began a crusade to help others avoid the financial calamity his family endured. Recognizing that financial education is the first step, he has been dedicated to that work ever since.

Allen is on a mission to empower and educate investors and small business owners to build a better future and to make more informed financial decisions. Allen founded Outlook Wealth Advisors and has over 25 years’ experience serving clients in the Greater Houston area. Allen’s specialty is discovering the unique needs and goals of each client, and then helping them construct their own customized retirement income plan. He is an experienced educator, radio talk show host, and author who has written for Forbes and Kiplinger’s magazine, and he is co-author of the book “Retire Abundantly.”

After completing his education, Allen began a career as an auditor with a “Big 5” multinational accounting firm. This career was interrupted by his military service as a U.S. Army Finance Officer. In addition to the rigorous requirements to become a CPA, he also completed the extensive training program to become a Certified Financial Planner™ (CFP®). This unique background and training give him a perspective few advisors possess.

Married to his college sweetheart, Stephanie, for over 40 years, they have three grown sons and five grandchildren. They are very proud that all three sons are small business owners and making an impact in their respective careers and communities. In addition to traveling the world, Allen and Stephanie enjoy Broadway plays, water sports on Lake Conroe, skiing in Colorado and fishing in Alaska.

Michael Neuenschwander

Michael Neuenschwander is a native Houstonian and co-founder of Outlook Wealth Advisors, LLC. Michael graduated from Texas A&M University with a Bachelor’s degree in accounting and a Master’s degree in finance. Grounded in the principles of his training as a CPA and CFP® and with nearly 20 years’ experience, Michael believes that offering adult financial education enables those approaching, or already in retirement, an opportunity to prepare for the next phase. An educator at heart, he has written for Forbes and Kiplinger’s magazine, is co-author of “Retire Abundantly,” was a featured radio talk-show host and is often featured on Houston’s Fox 26 News.

Michael designs forward-thinking, tax-efficient investment strategies for retirees and specializes in complex situations unique to high-net worth families. And while predicting the unpredictable is impossible, Michael’s holistic, in-depth planning approach covers as many bases as possible to help create retirement strategies that address a variety of potential risks, task situations to help provide sustainable income streams for the length of your retirement.

Michael married his high school sweetheart, Rachel, and they are raising their two beautiful children, Ella and Hudson. He is a car enthusiast and enjoys home improvement projects and getaways to the beach or lake, as well as an occasional winter vacation to the mountains for skiing. Of course, no fall would be complete without at least several trips back to College Station to attend an Aggie football game with friends.

Charles Nyguen

Charles Nguyen is an Investment Advisor Representative and has been in the financial industry since 2013. Prior to starting his own firm, Charles managed retirement plans in the public sector where he leveraged his background in education to provide clarity to clients as they made decisions. Charles has administered and serviced several State 457(b) plans in excess of 2,300 employees. In recent years, Charles has shifted his focus to financial education and planning for individuals and families.

With teachers as his top client demographic, Charles understands the value of education before advice. By educating the public first, he can empower those he helps to be part of the decision-making process. As a fiduciary, Charles understands the value of creating financial plans with comprehensive wealth transfer strategies that will impact a family for generations.

Charles is an avid traveler and believes a country’s culture can be best discovered in their food.

Canaan Penland 

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 

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.

Jack Peters

Jack Peters is an executive and partner at a national investment management firm. He has been involved in a multitude of areas within the financial services industry. Jack wears numerous hats and his experience is unparalleled.

As a 34-year veteran of the financial services industry, Jack brings a wealth of knowledge and experience to his people.  Jack is a fiduciary.  He provides independent education based retirement planning services to individuals already retired, or those planning for retirement. He helps his clients answer important questions such as when is the right time to retire? What is the best time to begin taking social security? What happens if my spouse passes away? Which assets should I use first? How do withdrawals from my retirement assets impact my taxes?

Over the last several years, Jack has realized that most people want help making decisions that will impact the rest of their lives. In other words, they are looking for a guide, and a decision making process. With his unique multi-dimensional skill set, Jack provides significant income planning, wealth preservation and wealth transfer strategies to his financial education classes. Jack’s goal is to help individuals achieve their ideal future.

Jack is a steward of his community throughout the Cincinnati area. He is very involved with the Little Miami Chamber Alliance and various charitable outreach programs associated with Cincinnati Children’s Hospital. Jack is a proud graduate of Marquette University.

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 Horter Financial Strategies. Securities transactions for Horter Investment Management clients are placed through E*TRADE Advisor Services, TD Ameritrade and Nationwide Advisory Solutions.

John W. Pickard, CFP® CIC, CSSCS

John Pickard, owner of Webb Pickard Retirement Services, has been working in the Financial Services field since 1987. John recognizes that it takes both planning and preparation to ensure that those ‘golden years’ are truly golden.

As a CFP his expertise is in planning in all the financial areas, Social Security, Investment Planning, Tax Planning, Insurance Planning and Estate Planning. John has the unique ability to help those who are preparing for retirement to look at the big picture. His motto, “Never Lose,” is the foundation of his retirement management concepts with the goal of never outliving one’s retirement.

John is an active member of his community, sponsoring children through the Candle Wishes Foundation as well as the Barnabas Vision Christmas sponsorship program, providing Christmas gifts to struggling families. He believes that offering financial education classes is just another way to give back.

Lonny C. Powell 

Lonny Powell is the Founder and President of Alliance Retirement Solutions and www.RetireWithLonny.com. Lonny has quickly risen to be considered one of the top financial minds in the investment and retirement industries. Lonny enjoys teaching Adult Financial Education classes, recognizing that these classes offer key information for those who are preparing for retirement. He also instructs a continuing professional education class for CPAs.

Lonny is certified as a national social security advisor which is the only independent accredited Non-Profit advising on Social Security Matters, as well as being a strategic member of the prestigious National Ethics Association. Lonny holds a series 65 license, which requires him to provide a financial fiduciary responsibility to his clients. He is the co-host of a popular national podcast on investment and retirement matters. Due to his expertise, he is featured on many local and national media outlets.

Jean Priest

Jean Priest of J Priest Solutions Retirement & Insurance is an independent associate of Tarkenton Financial, with a focus on the financial concerns of the senior market. Built upon Jean’s personal experience and passion for helping and serving seniors, she strives to empathize and understand the needs of both students and clients, providing Financial Education that focuses on the realities and necessity of planning and preparing for the future.

Jean has hundreds of hours of study and certifications in Medicare, long-term care, and retirement planning. Her primary goal is to help people to understand what they have, and how it might work harder for them. Jean finds that by offering Adult Financial Education classes, she can assist those planning for retirement with important and timely information essential to making those BIG decisions. Since retirement planning is the primary objective of those attending her classes, attendees can better define their goals and create an action plan.

On a personal note, Jean is product of the sandwich generation, having two boys 18 and 24 years old and a Dad who is age 96. Jean lost her Mother at age 87 to Alzheimer’s. She was diagnosed in 2001 of this long, slow progressive debilitation disease. Jean knows firsthand how an unexpected illness can emotionally and financially impact one’s family.

“I can’t change my family’s situation…but I can help others who are in the same situation,” Jean says. “I know my Mother would be proud of me.”

Phillip Putney, CPA, PFS

Phil Putney, of AFS Financial Group, LLC, has been in the financial services industry for over 30 years, both as a CPA and as an Investment Advisor Representative. Phil has dedicated his career to helping his clients create sound financial strategies that are designed to provide confidence and peace of mind in retirement.

Phil’s mission of helping seniors, and soon-to-be-retirees, take control of their financial future and make the best decisions possible for them and their loved ones, is accomplished in his regular financial education classes. As Phil is often heard saying “if you don’t have a plan, then whose plan are you following? The IRS’s? The Social Security Administration?”

Phil’s background and education as a CPA with a Masters in Taxation, his designation as a Personal Financial Specialist and Investment Advisor Representative allow him to create comprehensive financial strategies that maximize your income, reduce your taxes, and grow your assets while reducing market volatility. Phil is also one of Ed Slott’s Master Elite IRA Advisors, a designation that is exclusive to a group of 278 of the top financial advisors in the country who are trained by Ed Slott. Phil takes pride in the security & peace of mind that comes from knowing that you have a sound financial strategy that is designed to be defensive during times of market volatility and opportunistic during times of market growth. Phil and his financial strategies have been featured on FOX, PBS, WDIV, and the Wall Street Journal.

Advisory services offered through AFS Wealth Management, LLC, a Michigan Registered Investment Adviser.   Tax and financial planning offered through AFS Tax Management, LLC and insurance advisory services offered through AFS Insurance Management, LLC, a Michigan License Insurance Agency.

Lori Reaves 

Lori Reaves, of Money Guard Group, “Your Retirement Lifeguards” specializes in planning and guidance for those who are seeking a better lifestyle and a guaranteed income in retirement. Lori has helped numerous individuals who are near or early into retirement enjoy a worry-free lifestyle, knowing that their money is safeguarded. Lori has presented Adult Financial Education classes for many years, recognizing the absolute need for this education as retirees and pre-retirees approach this new stage in life.

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 advisor 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 has two children, Lee and Kelly. She considers herself a lifelong resident of the Tampa Bay area, Florida.

Tony Rizzo 

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.

Ronald Roberts

Ron Roberts was born in Burbank California and grew up in the Mojave Desert. Being the first of six children born to deaf parents, he learned responsibility at an early age. His commitment to family and faith is unwavering. It’s the essence of who he is and the foundation of his business success. Living for a higher purpose and caring for others has always been Ron’s focus.

Ron has been in the Financial Industry since 1991. Founded in 2002, Roberts Retirement Group has grown over the years to serve families in northern California and around the country. Ron has served as president of the California Estate Planning Counsel and continues to mentor financial advisors across the United States. Ron is constantly educating himself on the most up-to-date investment strategies and changes in the financial industry, so that he can provide the most current information in his Adult Financial Education classes. Ron’s chosen vocation as a financial advisor, allows him to use his experience, his gifts and his love for family to help people in a very special and caring way.

Ron is a recognized leader in the industry, is a sought-after speaker, and has been featured in Senior Market Advisor Magazine.

Ron attended college in Stockton, California where he met his wife Julie. Ron and Julie have enjoyed raising their four daughters in a close-knit community. His hobbies include reading, boating, sports, and traveling with his family. Ron has been a volunteer at a private school where he taught history and American Sign Language. Family, faith, and community are the most important things that define Ron.

Steven Roeth

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.

Donald L. Ross

Don Ross, RFC®, founder and president of Ross Wealth Advisors, has over 30 years’ experience in the financial planning industry. Don is a Registered Financial Consultant who has been advising individuals and families within Central Ohio since 1987. Don’s experience with securities, income planning, tax strategies and retirement investment planning, allows him to deliver truly valuable advice and service to his clients.

As an educator, Don’s financial education classes provide clarity to those preparing for retirement. His goal is to ensure that his students feel confident in their financial future and with their retirement plan. Don believes a solid retirement plan involves an all-encompassing financial retirement plan that factors in Investment Strategies, Income Planning, Legacy and Tax (reduction) Planning along with Long-Term Healthcare considerations.

Don was raised in Upper Arlington, OH and has a long history of service to his community and country, including twenty plus years as a pilot in the Ohio National Guard. Don earned his BS in Finance from Franklin University. In Don’s free time he and his wife Joni enjoy playing pickleball in the summer, platform tennis in the winter, traveling and visiting with their three children Judith, Ryan, and Lance.

Investment Advisory Services offered through Ross Wealth Advisors, LLC, a registered investment advisor in the State of Ohio. Insurance products and services are offered through Ross Wealth Advisors, LLC.

Robert Rothrock

Robb Rothrock, President of Rothrock Insurance Solutions, has been advising clients on safe money strategies for over 10 years. However, Robb is an educator at heart and believes that quality education is the key to making sound financial decisions. Robb has a practical knowledge of financial planning and the experience that comes from his many years of growing and running his own multi-million-dollar business prior to his insurance career. Robb has the ability to break down complex topics and teach them in a practical way. As a fiduciary, Robb takes pride in putting his clients’ needs first (as it should be).

Robb recognizes that there is no one-size-fits-all solution out there. “The most rewarding part of my job is getting to really know the people I meet, so I can properly assist them with the right strategy for a long and happy retirement.”

Robb has been married to his wife Janette for 27 years and has two children, Alyssa, and Robbie. Robb spent 11 years coaching youth sports, and enjoys golf, football, and a good cookout with friends and family.

Mark Schnizer

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.

Patrick Seelye

Patrick Seelye is an Investment Advisory Representative with Horter Investment Management LLC, and is the President and Founder of Financial Life Matters. He is a Gulf War Era military veteran and lives in Lawrence, Kansas with his wife Tammy and two children.

Through local classes, Patrick is educating area residents on how to help protect, preserve and strive to pass on wealth to their families so they may enjoy what matters most in their lives.

He has been in the financial services industry for over 16 years and provides independent, education-based retirement planning services to people already in or planning for retirement.

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 Financial Life Matters, LLC. Securities transactions for Horter Investment Management clients are placed through E*TRADE Advisor Services, TD Ameritrade and Nationwide Advisory Solutions.

Neal Sereboff 

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.

Matthew G. Sherman, Sr.

Matthew Sherman, Founder and President of Insurance My Way, has always had a passion for helping others. A natural teacher, Matt loves teaching adult financial education classes to those in his community. His classes and speaking engagements give him the opportunity to share innovating ways to retire safely and with peace of mind.

Matt focuses on providing retirement solutions to individuals of all income levels who are looking to elevate the performance of their retirement assets and aspire to secure a lasting guaranteed lifetime income protection without losing control. As a Certified Financial Fiduciary and Member of National Ethics Association, Matt has spent the last 25 years ensuring that his client’s best interest is always first and foremost. He takes his role very seriously, protecting his client’s nest egg from downside market risk. Matt often says to his clients that the closer they get to retirement the more important it is to protect what they have worked so extremely hard for their entire life!

Matt was born and raised in West Palm Beach, Florida and continues to live there with his wife of 35 years, Carol. Matt and Carol have two grown children and one grandchild. A true Floridian, Matt is an avid outdoorsman who enjoys boating, fishing, camping and golf.

Daniel Sherwood

Dan Sherwood, of Knoxville Tennessee, is both a U.S. Military Veteran as well as a Veteran of the Insurance and Financial Planning industry with over 22 years of experience as a Financial Services Professional. He is a long-time entrepreneur and has been a proponent of financial education throughout his career. Starting out in 1993 as a Marine Corps non-commissioned officer, he has been a proven leader in taking on critical assignments as the head custodian of his entire company armory. After receiving his Honorable Discharge from the United States Marines in 1997 he started his Financial Consultant career with a Top Fortune 100 Company.

Working with individuals and business owners, he developed his career as a financial strategist in industries ranging from retirement planning to healthcare, and has held several leadership positions with various organizations including numerous Non-Profit Corporations, and several fortune 500 Companies. His dad was an educator, and Dan has chosen to continue the tradition of educating others. With an emphasis on education, Dan has been able to enrich client experiences, and develop innovative approaches to financial security. He has traveled all over the country, including 47 of the 50 United States of America in order to help educate others on their retirement benefits and insurance strategies to enable more people to live and retire with financial security. Dan also serves as a non-profit public speaker in order to motivate others to fulfil their true purpose in life. He has extensive experience in Federal Employee Benefits, TSP Plans, Retirement Planning, Medicare, Social Security, Estate Planning, College Funding, Mortgage Protection, Wealth Transfer, Disability Income, Long Term Care Planning, Annuities, and Life Insurance Policy Reviews.

When he isn’t busy at work, you can find him spending time with his family, exploring the great outdoors and enjoying the natural beauties of this world in which we live. As an avid musician he also enjoys playing his Taylor Guitar while drinking coffee on his front porch. 

Casey Short 

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 

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.

Leigh Smith 

Leigh Smith of Wealth of Academy of Georgia, is a true connoisseur of the financial services industry, having worked in it from almost every vantage point.  Her start in financial services came from working in multiple CPA firms, doing both personal and corporate tax work.  She enjoyed the tax work enough to earn and retain her Certified Tax Preparer certificate.

As the Founder and CEO of the Wealth Academy of Georgia, Leigh offers multiple classes each year on a variety of topics.  Having literally lived from coast to coast, she has spent years honing the skill of taking complex topics and making them easy to understand.  If you have ever found financial decisions to be overwhelming or confusing, then you will enjoy attending Leigh’s classes. Leigh is a proud educator with COFE, a 501(c)(3) organization focused on financial literacy. 

Born and raised in Athens, GA, Leigh is a proud graduate of the Honors Program at the University of Georgia.  When Leigh’s not leading classes, you can find her with an excellent book, riding bikes on the Firefly Trail, or spending time with family.    

Steven G. Smith

Steven G. Smith, founder of Smith Gillis Financial, has built a flourishing family business by treating people like family. His philosophy is that “Taking care of you and your family is our #1 goal. Why? Because you’re now part of our family”.

Steve recognizes the importance of financial education, knowing that it is the cornerstone of financial security. The classes that Steve offers within the community provide clarity and insight to those who are seeking a secure financial future while preparing for retirement. His classes provide an opportunity to understand the difficult and complex strategies involved in the retirement planning process.

Steve and his wife Lynn have been married over 39 years, living in Wallingford, CT for most of that time. They have raised three wonderful children and are now enjoying the role of grandparents.

Jim Starr

Bio Pending


Winston P. Stevenson

Winston Stevenson is an Investment Advisor Representative, President of Winston & Companies and an FAA instrument-rated pilot. He believes order and planning are necessary to deliver desired results, and he has a track record of doing just that, helping numerous clients and passengers skillfully reach their destinations through proper preparation. As a COFE Instructor, Winston recognizes that financial education is an opportunity for those preparing for retirement to begin their preparation.

A Chartered Federal Employee Benefit Consultant, Winston is uniquely trained to assist federal employees in maximizing their benefits to reach their ultimate retirement goals. That remains his goal for all clients he works with every day. As an Investment Advisor Representative, Winston is held to a fiduciary duty of care, which means he is legally required to work in his clients’ best interests when providing investment advice. When providing insurance recommendations, at the regulatory level, Winston is held to the suitability standard, which requires that recommendations meet clients’ stated financial needs and objectives.

Winston has passed the Series 65 securities exam and holds licenses in life, accident and health insurance in Arizona and California (License #0C45881), as well as a life settlement broker license in Arizona. He has more than 30 years of experience in the insurance and annuity industry and holds a Bachelor of Arts in communications from Western Kentucky University.

Winston has been married to Millie since 1989. They have two adult children, Shane and Sarah, and enjoy spending time together as a family.

Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Winston and Companies 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.

August H. Velten, CLU, LUTCF, CLTC

August H. Velten, is President of August H. Velten & Associates, Inc., a family practice specializing in providing strategies and guidance for those seeking the best possible lifestyle in retirement. Augie has been in the financial services industry for almost 40 years, and an instructor of Adult Financial Education classes for many of those years. His classes focus on helping individuals create lifetime income models, avoiding mistakes that may risk achieving your financial and long-term goals. Augie states that “I want to help people sleep at night. If my clients can sleep at night, so can I.”

Augie has a B.A. in business from L.I.U. New York. Prior to moving to Florida, he occupied the legislative seat for the Maine Association of Life Insurers.

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Adviser. Subadvisory services are provided by Advisory Alpha LLC, an SEC Registered Investment Adviser. Insurance services offered through August H. Velten Associates, Inc. August H Velten & Associates Inc. is separate and not affiliated with Simplicity Wealth, LLC and Advisory Alpha, LLC.

James Vitou

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.

Jeff Viveros

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.

Greg Wambolt

Greg Wambolt is the founder of Bighorn Tax Network. He has been working as a Tax and Wealth Advisor for 30 years and believes that everyone deserves access to advisors who listen to the needs of their clients, take their financial goals seriously, and deliver actionable solutions. With this goal in mind, Greg offers Tax and Financial Education classes in the community in order to provide those approaching, or already in retirement, with the answers they are looking for!

He holds a Business Degree from Western Colorado University where he was actively involved in skiing and track. Greg is a Certified Financial Planner (CFP), a Chartered Life Underwriter (CLU) and a Chartered Financial Consultant (ChFC).

Outside of the office, Greg is an avid outdoorsman. He enjoys fly-fishing and biking. You can find Greg on his ranch with his significant other Kim and their three Labrador Retrievers.

Jessica Waterhouse 

Jessica Waterhouse, Vice President of August H. Velten & Associates, is a passionate, client-focused financial advisor with over 20 years in the financial services industry. She understands that compassionate and ethical client service is a priority. Jessica is a strong advocate of financial education at all ages and provides classes to offer insight into the many moving pieces of retirement, including income tax consequences, safe money strategies and potential expenses specific to aging.

Jessica is a licensed insurance producer, Investment Advisor Representative (Series 65), National Social Security Advisor (NSSA) and is Certified in Long Term Care (CLTC).   In 2020, she relocated her business and family from Maine to Florida.  She is an avid baseball fan with the goal of visiting every major league ballpark within her lifetime.

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Adviser. Subadvisory services are provided by Advisory Alpha LLC, an SEC Registered Investment Adviser. Insurance services offered through August H. Velten Associates, Inc. August H Velten & Associates Inc. is separate and not affiliated with Simplicity Wealth, LLC and Advisory Alpha, LLC.

Wayne Wilson 

Wayne Wilson of Wilson Financial has over 20 years of experience in the financial industry. He developed his business by maintaining close trusting relationships with his clients, providing straight answers, and always looking out for their best interest. His mission is to help people grow, protect, and preserve their life savings, while planning for secure, stable & sustainable retirement income that cannot be outlived.

Wayne is a true believer in the power of education, recognizing that people have questions regarding their retirement! His classes provide answers to help ensure that those ‘golden years’ truly are golden.

Wayne and his wife Ashley live in Thomson, Georgia, and are blessed with 6 wonderful daughters. Wayne is a longtime softball coach and mentor to young athletes and donates his time extensively to the Briarwood Academy sports programs.

Nicholas Yashin

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.

Nick’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.

Nick and Jane, his wife of 45 years, are blessed to have four children and two grandchildren. He 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.