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 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 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, 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 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 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.
Angela Tarkenton Barbour
Angela Tarkenton Barbour is an Investment Advisor Representative and Executive Vice President with her family’s firm, Tarkenton Financial, LLC. As a seasoned veteran in financial services, Angela recognizes that education is a key step in the retirement planning process. She enjoys teaching adult financial education classes and helping people leave feeling empowered to make the important decisions about their retirement years.
Angela works with couples and individuals in Washington, DC, Alexandria, VA, and the surrounding area, to help them address the concerns of longevity, legacy, long term care, market risk, and retirement income. She helps each client create a comprehensive plan to address these challenges and achieve their vision for a successful retirement.
Angela holds a BBA from the University of Georgia’s Terry College of Business. She holds her Series 65 investment license and is insurance licensed in 49 states and the District of Columbia. She and her husband Rob live in Old Town Alexandria.
Donna Behler of Post Oak Private Wealth Advisors offers particular expertise in creating plans that mitigate risk and guide people through retirement. Her focus on distribution planning and tax efficiency makes her financial work unique to the industry. What Donna enjoys most is “creating a true and successful written financial plan and to help ensure the plan’s success through specialized risk management.”
Donna believes in the importance of financial education. “I am proud to have been operating in a fiduciary role for each client long before this became a popular catch phrase,” she explains. “This holds us to a particular standard. We know what it takes to create a long-term, successful plan for each client.”
With over 28 years of blue-chip experience, Donna has helped guide employees from many of the country’s biggest employers through successful transition and retirement. Her technical knowledge, passion and attention to detail is reflected in every individualized plan she creates for Post Oak’s clients.
Donna’s understanding of the principles of advanced risk management, coupled with planning expertise makes her advice invaluable.
When Donna has time away from the office, she enjoys gardening and boating.
David Belisle, founder of Paramount Financial, recognizes the importance of financial education as a part of attaining a successful retirement. David specializes in wealth management, cash flow planning, and designing and implementing an all-encompassing retirement plan for his clients. David states that the favorite part of what he does and why he is passionate is “seeing the transformation of his clients from initially worried about money and retirement to enthusiastically looking forward to the future.”
Born and raised in Beverly Massachusetts. David received his Bachelor of Science in Business Finance from the University of Phoenix. David graduated at the top of his class and is an inductee of Delta Mu Delta International Honor Society in Business. He is a designated Wealth Management Certified Professional (WMCP) through the American College of Financial Services.
David enjoys hockey both as a player and referee and an accomplished private pilot. He has one grown daughter, two stepchildren and lives in Beverly, MA with his wife of 20 years.
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.
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.
Joshua Bradley, Managing Partner and Financial Advisor, of Capital City Financial Partners has always focused on helping people achieve their retirement dreams through a well-thought-out financial strategy for retirement income.
Josh’s interest in finance and problem solving, along with his desire to make a positive impact on others’ lives, drew him to the financial services industry in 2006. After serving as an independent financial advisor, he decided to form Capital City Financial Partners in 2015.
Josh has worked with all different financial backgrounds and situations, creating holistic financial plans, and recognized that he was in a position to provide financial education classes. These classes provide people with the knowledge needed to approach their retirement with eyes wide open.
Josh is an Investment Adviser Representative who has passed the Series 7, 63 and 66 securities exams and holds insurance licenses in South Carolina, North Carolina, Georgia, Florida, Ohio, Tennessee, and Massachusetts.
A lifelong resident of the Columbia area, Josh attended the University of South Carolina before joining the South Carolina Air National Guard. He and his wife, who also served in the Air Guard, have three daughters and a son. In his spare time, Josh enjoys being with his family, traveling and cheering on USC sports.
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.
Investment advisory services offered through Virtue Capital Management, LLC (VCM), a registered investment advisor. VCM and Xexis Private Wealth, LLC are independent of each other.
For a complete description of investment risks, fees and services, review the Virtue Capital Management firm brochure (ADV Part 2A) which is available from your Investment Advisor Representative or by contacting Virtue Capital Management. Information provided is not intended as tax or legal advice and should not be relied on as such. You are encouraged to seek tax or legal advice from an independent professional.
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.
Peter J. Brunton, CFA®
As Chief Investment Strategist, Peter Brunton is the architect for Strategic Wealth Partner’s overall investment strategy and manages a nationwide roster of the firm’s largest clients. He is particularly skilled at building custom retirement plans and tailored portfolios for high-net-worth individuals designed to maximize after-tax returns. In short: Peter thrives on removing the stress of financial planning from his clients’ lives while designing sophisticated, optimized investment strategies.
Peter is a Chartered Financial Analyst (CFA®), the highest level of professional recognition in the financial industry and has over 15 yrs. of experience in portfolio management, security analysis, and retirement planning. He has also served in VP roles as a portfolio manager for two of the nation’s leading banks and multi-family offices.
Peter earned his BA in history from the University of California Santa Barbara and his MBA in finance from San Francisco State University. When not in the office, he can be found traveling, appreciating global cuisines, or honing his skills on the tennis court.
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.
David Cadarette is a financial advisor with CLC Investment Advisors and brings 15 + years of experience in the insurance and financial services industry to the classroom. David specializes in retirement planning and focuses on people’s overall well-being.
Through classes at local colleges, David is educating and enlightening area residents on how to help protect and preserve their retirements and equipping them with the correct thinking that is essential for their success.
David attended Buffalo State College in Buffalo NY (SUNY) to play hockey and led one team to a National Championship. His minor league career was with the Huntsville Channel Cats (SEHL) where he captured his second championship and had stints with the Toledo Storm ECHL (Detroit Red Wings NHL) and the Pensacola Ice Pilots ECHL (Tampa Bay Lightning NHL).
David spends his time biking, kayaking, hiking and camping with his family. He currently lives in Northern Michigan with his beautiful wife and their 4 wonderful children.
Annetta Carter has over 28 years in the financial industry. With a passion in education, Annetta presents bi-monthly classes on income and tax training. She spends a great deal of time working with the pre-retired and retired market. Her focus is in assisting in areas of utmost importance such as maximizing social security benefits, safe accumulation retirement savings options, income planning and Medicare solutions. Annetta’s goal is to ensure that her students have all the information they need to make solid decisions. In addition, Annetta trains and develops other agents in the field who are ready to move to the next level in their career, specializing in safe money options, long term care solutions, legacy and estate planning.
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.
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 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
Ed de la Rosa
Ed de la Rosa of Solid Ground Financial founded his practice with a unique approach. He sets out to help families find money they are losing unknowingly and unnecessarily. Then, Ed uses the found dollars to help solidify their financial future, preferably without impacting their current lifestyle. Ed wants to help regardless of whether you are in your working years, accumulating for retirement, or already in your distribution years. Ed recognizes that opportunities to minimize both market risk and tax risk can be lost and could jeopardize your retirement without a retirement plan. By providing adult financial education, he can help those preparing for that next step to acquire the tools they need for a more secure path forward.
Ed recognizes that people have worked hard for their money and that there is more to be gained by preventing the losses than choosing the winners. As a Certified Financial Fiduciary, he has embraced a higher standard in always serving his clients’ best interests.
Ed and his wife are avid hikers and take several trips per year to ‘conquer’ Mt. Rainier.
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 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 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.
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 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 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”.
Nick Farley of Total Benefit Services has been active in the financial services area for many years. Nick has had the opportunity to work and volunteer in multiple areas within his community, all of which have focused on helping others. He is a teacher at heart and takes great pride in the financial education classes that he provides, knowing that education is crucial when preparing for a safe and successful retirement.
Nick attended the University of Central Arkansas where he received his B.A. In addition, he attended Covington Theological Seminary, earning his Doctor of Ministry. Nick is proud to be a member of the International Christian Coaching Institute. He has had the opportunity to travel throughout the United States as well as multiple foreign countries providing education seminars and is proud to have been a Pastor for over 30 years.
Nick and his wife have 5 children and 16 grandchildren. Nick’s hobbies all revolve around helping others in his community.
Paul E. Ferraresi, Chairman of Founders Group in Houston, Texas is proud to be a Financial Planner who has captured the human side of financial planning. For over 35 years, he has assisted individuals and corporations in all aspects of their finances. He continues to believe in the principles of hard work, honesty, loyalty, and dedication. He understands that while his clients know how to earn money his responsibility is to help them make their money work. Paul maintains a conviction and company philosophy of “striving to be the best to make you better”.
A true believer in the importance of education, Paul provides adult education within his own community. His love of education is evidenced by his past positions of Adjunct faculty member for the College of Financial Planning, Instructor for the University of Houston, Instructor for the American Management Association as well as an Instructor for multiple Fortune 500 companies.
Besides his exciting business life, he is a participant in his local church on various councils. He is an active sports enthusiast involved in baseball, softball, tennis and biking. Paul loves spending time reading, gardening and cooking. His favorite pastime is enjoying the serenity of the seashore. His passion, enthusiasm, humor and knowledge place him in high demand as a consultant to individuals, families, corporations, and, as a speaker and trainer.
Jeffrey Florence was raised in Warren County, attended Miami University, and has lived in Loveland for the past 29 years. Jeff specializes in insured, protected, and safe investing, creating lifetime income streams that cannot be outlived, and protecting assets from long term care costs. He earned an MBA from Miami in 1987, CLU (Chartered Life Underwriter) in 1990, and a ChFC (Chartered Financial Consultant) in 1994.
Jeff finds that the key to connecting with his class attendees is to provide them with the education that they need in order to achieve their most successful retirement.
Alison Free is a respected financial professional with an intuitive ability to identify and anticipate client needs. Alison strives to offer solutions that help to meet the needs of those who are approaching or are already in the retirement phase of their life. Alison’s knowledge and expertise as a retirement specialist and Medicare expert has put her in the top 1% of her company nationwide. Her 400+ clients have come to expect her quick response and over and above service that they can count on year after year.
Alison recognizes that the retirement planning process is key to ensuring a safe and secure financial future. Her adult education classes are designed to alleviate some of the stress that arises when facing retirement and to answer real world financial questions. Alison enjoys building personal relationships at her classes by listening to better understand the retirement goals of her students.
Alison has over 25 years’ experience as a trust advisor helping people with the largest and most important decisions in their lives. In addition to her insurance license, she also holds a Series 7 securities license, a Florida Real Estate broker license, certification in Long Term Care and is one of the top life insurance strategists in her area. Alison is a proud mother of four daughters and grandmother to ten adorable grandchildren.
Alison Free is an agent licensed to sell insurance through Bankers Life and Casualty Company. Bankers Life is the marketing brand of Bankers Life and Casualty Company, select policies sold by Colonial Penn Life Insurance Company. Alison Free is a Financial Advisor through Bankers Life Securities, Inc., and provides investment options including variable annuities, mutual funds, and equity and fixed income securities.
Tom Gandolfi is the President and Founder of Three Bridges Financial Group and entered the financial industry after years of experience from the other side of the desk, as a business owner and client. He is a creative thinker and has worked on financial planning strategies with individuals and corporations for more than 20 years. Drawn to find a better way to help people accomplish their goals, and as a committed educator, Tom provides information, guidance, and clarity to his students over a wide range of topics to help them achieve their retirement goals.
Tom is a Series 65 Investment Advisor Representative with a fiduciary responsibility, which underscores his commitment to work in the best interest of his clients. He holds a life license in numerous states and is a member of the National Ethics Board as well as National Social Security Advisors. Most importantly, Tom listens to his clients. He takes great pride in his ability to effectively communicate and simplify complex matters. Tom works with every client on a personal level to help ensure that they will have every opportunity to enjoy the best years of their lives.
Tom and his wife, Sherri, have been married for over 25 years and have two daughters, Tori and Kasey. In his free time, Tom likes golf, baseball, football and politics.
Investment Advisory Services offered through Sound Income Strategies, LLC, an SEC Registered Investment Advisory Firm. Three Bridges Financial Group, LLC and Sound Income Strategies, LLC are not associated entities. Any insurance product guarantees mentioned are backed by the financial strength and claims paying ability of the issuing company and may be subject to caps, restrictions, fees and other charges as described in the contract. Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives. Unauthorized use of this material is prohibited.
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 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.
Michael Graff, CTA®
Michael Graff, founder of ProIncome – Professional Retirement Income Planning, based on Walpole MA, is a veteran of 38 years in the financial services industry. As an independent advisor and fiduciary, Mike is free to act solely in the best interest of his clients. Over the years he has come to understand the importance of education and preparation as the foundation of a secure financial plan and a way to navigate these challenging times. The financial and retirement courses he has been teaching in communities in greater Boston and Providence over the past 7 years is his commitment to helping people learn the steps to develop a logical and organized approach to overcoming today’s financial challenges. He also is the author of the book 6 Steps to Retirement, which details his organized and sequential planning process (available on Amazon).
Mike is a 1984 honors graduate from the University of Massachusetts, Amherst, with a BA in Political Science. In addition, he holds a series 65 Securities license, is a licensed Life and Health Insurance Agent, a Chartered Tax Advisor®, and a National Social Security AdvisorSM Certificant.
Mike and his wife Lisa have been married for 37 years and reside in Easton, MA – where they raised their 3 children. Mike keeps himself very active in the community. Some of his involvements include serving as Chair of the Easton Recycling Committee, board member of the Foundation of Excellence in Education, youth baseball and basketball coach, founder and past president of the Sunday Morning Softball League, and a certified Rider Coach with the Motorcycle Safety Foundation.
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.
Frank Gutta, CPA, PFS
Frank Gutta is a nationally known and highly respected Certified Public Accountant and Personal Financial Specialist, one of fewer than 6,000 professionals to hold the prestigious PFS designation.
Based in Florida, Frank helps his clients across the United States to safely achieve financial success, reduce their taxes, invest wisely, and prepare for a long, happy, and prosperous retirement. With more than 35 years of experience, Frank has developed deep expertise in the use of safe investment strategies and innovative insurance solutions to help his clients enjoy true financial peace of mind.
Frank knows that solid financial knowledge is the key to achieving the retirement that we all hope to attain, and he knows that financial education is key. Frank enjoys presenting adult financial education classes and helping people to retire with security. In addition, Frank is also the author of two popular books, Your Safe Retirement Roadmap and Must-Know Tax Tips for Small Businesses.
Frank has been married for almost four decades to his wonderful wife Feroza and is the proud father of two adult children, Sofia and Shaun. Frank recently became a grandfather when his son and daughter-in-law had a baby boy and then his daughter and son-in-law had a baby girl! Frank is a high-energy person who loves sports and is a long-time Miami Dolphins fan.
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.
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.
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 also the host of the The Tax EndGame Podcast which can be accessed on your favorite podcast channel.
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.
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.
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, 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.
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.
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 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 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 moved to St Petersburg, Florida from Rochester, NY in 1992. He worked in corporate America for the first half of his career. John and his clients saw the value and flexibility of being an independent advisor so in 2014, John decided to launch his own business as president of JD Miller & Associates. John has now dedicated his career to provide unbiased, big picture retirement planning including social security education, income and expense planning, Medicare understanding and advanced estate planning.
John has been married to his wife Shelly since 2000 and they have three children in the Seminole school system.
Rick Miller is an independent Fiduciary Advisor with Miller Investment Management who has been helping retirees for 16 years. Rick has a Certificate in Financial Planning, is an investment Advisor Representative with Horter Investment Management and is licensed by Virginia for Life, Health & Long Term Care Insurance and annuities.
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.
John L. Mills, EA
John L. Mills has been in the financial services industry for almost a quarter of a century, providing counsel in the areas of Tax-efficient Income Planning, Wealth Transfer, Estate Planning, Business Succession, and Insurance Planning. John enjoys providing adult financial education, recognizing that education is a powerful tool in the retirement process. John states that the more an individual or couple are able to plan for their retirement, the better that retirement will be!
John holds the Enrolled Agent designation from the IRS which allows him to defend clients in disputes with the IRS and has provided advanced tax saving strategies for executives at Teavana, Starbucks and NCR.
John graduated from the University of North Carolina at Chapel Hill with a degree in economics and is working on improving his golf game. He was raised in Tulsa, Oklahoma and has lived in Dunwoody Georgia for almost 40 years with his wife and 3 children. He and his wife are now enjoying all the benefits of empty nesting.
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.
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.
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 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.
Lesa Olszewski of Medicare 180, LLC has been an insurance agent for more than 10 years. With a passion for learning and educating, she prides herself on her ability to focus on reducing the stress involved with Medicare choices by providing educational classes in her community. Seminars on Medicare are often the starting point for most people to understand the complexities of Medicare. She focuses on making that educational experience as complete as possible so it will result in the best medical decisions for retirement.
Lesa’s goal as an insurance advisor has always been to make sure that she is helping people to the best of her ability every day. Compassion, honesty, and hard work are her hallmarks. Making the right decision about Medicare can be a very stressful time both at the initial enrollment period and during the yearly renewal. Her endgame is to eliminate that stress through education and strong advice.
A graduate of Michigan State University and living in west Michigan, she and her husband raised three daughters. She continues to enjoy family time – her favorite time – along with tailgates, boating and pickleball.
Kenneth Osiwala, AIF®
Kenneth Osiwala, President and CEO of Osiwala Financial Group, brings almost 30 years of experience in the financial services industry, to his Adult Financial Education classes. Ken has extensive experience in providing strategies to retirees and pre-retirees to help protect and preserve their principal. His goal is to deliver unparalleled personalized service to each individual as he helps develop comprehensive financial plans based on their individual needs.
Ken recognizes the importance of financial planning, and in addition to his online and in person financial education classes, Ken co-hosts the “America’s Wealth Management Show” every Sunday from 5 to 6 pm on WJR Radio. The program provides investors an opportunity to hear from various industry professionals regarding strategies that could have a profound impact for the financial future of many near term retirees as well as current retirees.
Prior to starting the firm, Ken was an accountant for one of the largest accounting firms in the world, Ernst and Young. Ken has previously passed his Series 6, 7, 22, 26, 63 and 65 securities exams and his exams for Life, Health and Variable Annuity insurance products. Ken is also an Accredited Investment Fiduciary (AIF®).
Ken serves on the Board of Directors for a non-profit organization in the Community, Promise Village Home for Children. Ken has been married to his wife Beth for 29 years and counting they have three children. He enjoys spending time with his family, boating, fishing, kite boarding and is actively involved in his church.
Investment advisory services offered through Barber Financial Group Inc., dba Osiwala Group, an SEC registered investment adviser. Securities offered through Mutual Securities, Inc. Member FINRA/SIPC. Barber Financial Group, Inc. and Osiwala Financial Group are not affiliated with Mutual Services, Inc. Supervisory office located at 13550 W. 95th Street, Lenexa, KS 66215. Osiwala, BFG and MSI are not affiliated companies.
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 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.
Greg Piorkowski is proud to offer adult financial education classes within his community. His vision is to help people keep a constant eye on the future, and to offer a team that knows how to specialize in retirement income planning. Greg is a respected public speaker and his contagious enthusiasm and “If I can – You can” message, result in financial classes that provide the need-to-know information.
Greg suffered a broken back in a devasting accident, with a grim prognosis. Refusing to accept what he was being told as final, Greg approached his recovery with grit and irrepressible determination, Greg succeeded in a remarkable recovery. He uses that same approach in his professional journey.
Greg is a graduate of New Mexico University and is a veteran of the United States Air Force, with a combined four tours in Desert Storm and Desert Shield. Greg is married and has been blessed with a blended family of 10 children and 1 granddaughter.
Hunter Powell, owner of Senior Benefits Plus in Kansas City, is on a mission to spread the importance of financial literacy and to positively impact as many lives as possible. With his father working in the financial services industry, Hunter grew up learning and living the insurance and financial services.
Hunter received his bachelor’s degree in Finance from Missouri State University. He is a committed life-long learner, knowing how important it is to continue learning so that he can always provide the most up-to-date and current information.
Hunter has been holding Medicare educational workshops to assist individuals as they transition into Medicare. What he found was that by the time someone reaches Medicare age, oftentimes, they have already made decisions that could adversely affect their finances during retirement. He is thrilled to be educating his community on ways to take control of your finances before and during retirement.
During his free time, he and his wife, Abby, enjoy traveling the country to visit national parks and spending quality time with family.
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 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.
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.
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 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.
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.
Kay Russell, founder of Kay Russell and Associates Insurance and Financial Services, LLC., has been in the insurance and financial services industry since 2007. She has been part of several different organizations, both large and small, and has a great appreciation for helping people understand their current and future financial needs.
Through her own personal story, Kay notes: “People often don’t know what they don’t know until they are faced with it” and this is why she is adamant about educating people.
Through her educational classes Kay teaches people about the importance of knowing when to retire, the downfalls of retiring too soon, the great emotional and financial toll to families when unforeseen circumstances occur and the importance of protecting your retirement assets from market volatility.
When people are feeling discouraged or overwhelmed, Kay likes to quote to her client’s from C.S. Lewis “You can’t go back and change the beginning, but you can start where you are and change the ending”. Through thorough review and stress testing of current income and retirement needs, clients are able to recognize short falls and income gaps, enabling them to put appropriate plans in place. We’re all so grateful to have COFE educational classes available to help educate and bring awareness to those attending. It helps everyone sleep better at night.
Prashant Sabapathi, Vice President and Co-Founder of Elite Income Advisors, Inc., believes in using a comprehensive approach to financial planning that revolves around education. As both a trusted advisor and respected adult financial educator, Prashant offers classes that attempt to simplify complicated financial planning concepts, so that people may be empowered to take actionable steps forward in planning their retirement.
As a lifelong Marylander, Prashant graduated from the University of Maryland with a B.A. in Economics. In addition, he currently holds both a life and health insurance license, as well as a Series 65 license. Prashant specializes in helping individuals create, manage, and protect wealth throughout retirement, while employing tax-efficient strategies.
Prashant currently lives in the Baltimore area with his wife Alyssa, love to play golf in his free time, and serves on the Planned Giving Advisory Council for the Baltimore Symphony Orchestra.
Investment advisory services offered through Elite Income Advisors, Inc., a State-Registered Investment Advisor located in Ellicott City, Maryland. Elite Income Advisors, Inc. does not provide legal or accounting advice. Investment Advisor Representatives of Elite Income Advisors, Inc. may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Registration is not an endorsement of the firm by securities regulators and does not mean the advisor has achieved a specific level of skill or ability. All investment strategies have the potential for profit or loss. Annuity guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. Insurance and annuity products are sold separately through Retirement Planning Services, Inc.
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.
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.
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 is the President of Provision Retirement, a company specializing in developing strategies and income plans for individuals and families who are nearing retirement or have already retired. With a degree in finance and a Series 65 license, he is also a sought-after consultant and educator, and has traveled the country helping numerous organizations and individuals. He works with a network of certified financial planners, income strategists, money managers, and tax planners, giving him the ability to share a share a wide-array of knowledge during his courses. With the heart of a teacher, Casey can take complex financial topics and share them in a way that is easily understandable for his audience. He is also a financial advisor with Provision Asset, LLC.
Casey, his wife, and their three children make their home in Little Elm, Texas. He enjoys fly fishing, woodworking, mission work and spending time with his family.
Wayne Sisk began in the financial services industry in 1974. He has spent his entire career in the Chicago Metropolitan and Northwest Indiana communities serving individuals, families and business owners. Wayne recognizes the need for Adult Education and feels tremendous satisfaction when sharing his knowledge. He brings to the classroom extensive teaching experience in formal education settings and less formal, community based settings.
The mission of Sisk & Associates can be summed up in two words: Charting Retirement. It is our passion to assist others in structuring assets and investments in ways that accomplish their goals for a secure retirement. As individuals approach and enter retirement, investment strategies that may have served them well through their prime working years will need adjustments and changes. Wayne serves his clients at a relaxed pace charting a retirement plan based on their unique situation – one that addresses each of the essentials of retirement security and that is free of worry and stress so that our clients sleep well at night. He is committed to strategies appropriate for retirement that emphasize safety, growth and lifetime income solutions.
Wayne lives in Chicago’s south suburbs with his wife Donna. The Sisk family is active at their church where Wayne is a member of the leadership team. He enjoys time with his family and fishing.
Wayne provides his students with the knowledge they need to enter their retirement years and brings great attention to detail in the planning process.
Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Sisk & Associates are independent of each other. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents.
Adam Smith, CFP®
Adam Smith of Capital City Financial Partners has always had an interest in the financial markets, but he enjoys helping people pursue their goals even more. After joining Capital City Financial Partners, he was able to put both goals into action. Financial education is of great importance at Capital City and Adam enjoys the opportunities that he can provide through his classes. Retirement planning can be overwhelming, and he feels great satisfaction in clarifying and educating those who are approaching, or already in, their retirement stages.
Before entering the financial services industry, Adam was on active duty in the Marine Corps for seven years and served another three years in the Marine Corps Reserve. After leaving active duty, he worked as a sawmill manager. In 2017, he made the shift to financial services, becoming an independent advisor at First Command Financial Services. He joined the Capital City team in 2019.
Adam is a Certified Financial Planner™. He also passed the Series 7 and 66 securities exams and holds a life and health insurance license in multiple states. He has a Bachelor of Science in biology, with a chemistry minor, from Newberry College and a Master of Science in Finance.
A Lexington native, Adam enjoys spending time with his two daughters and son, playing golf, enjoying the great outdoors, and cheering on Clemson sports.
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, President of Medicare 180, LLC., states “What excites me most about being in the health insurance industry is having the opportunity to help make client’s lives just a little better”.
Jim is a native of Michigan, having lived in both Metro-Detroit and West Michigan. Jim is a proud graduate of Michigan State University and is also very proud to say that his youngest of three children is currently a Spartan!
When he’s not in the office, he enjoys being outdoors with family and friends. He loves boating, working in the yard, playing with their dogs, or just having a beer with friends/neighbors. Jim is also a volunteer with Hand2Hand Ministries and has been for many years.
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.
Mark Stimpson is a founder and managing partner of Elevated Financial Management as well as owner and president of Mark A Stimpson and Associates Inc. Mark’s company mission is based on the core principle that education is truly needed to fully understand one’s current financial situation. This knowledge leads to the ability to implement the different income, investment, or tax strategies that will lead to a stress-free and successful retirement.
Mark is a nationally certified Social Security Advisor, teaching both Income and Social Security Planning at two local community colleges. As an expert on the many different rollover strategies for 401k’s, IRA’S, 403b’s, TSP’s, and any other qualified retirement plans, his classes provide essential, and invaluable information. In addition Mark is an IAR (Investment Advisor Representative), a certified retirement planner, certified financial educator, and a certified senior advisor. Mark is proud to provide adult financial education in his community as well as teaching basic financial literacy.
Mark is father to three wonderful children and grandfather of two awesome grandsons. Mark loves to play golf, racquetball, & cook. He also enjoys spending quality time with friends but especially with his beautiful wife of 40 years.
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.
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.
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.
Sam Weideman of Medicare 180, LLC. found his niche in life at an early age. While sitting in on a meeting that his grandparents had regarding their finances, he recognized that the complexities his grandparents were addressing were so easily simplified and solved by their agent, providing them with a huge sense of relief.
Sam always keeps that meeting in mind when presenting adult financial education classes. He knows that Medicare can be confusing, and his goal is to break things down and simplify the process for those who are beginning or changing their Medicare options.
Sam is a Graduate of Grand Valley University and was born and raised in the Metro-Detroit area. Outside of work nothing makes him happier than to be golfing with his grandfather or friends.
Daniel P. Weisenbach
Daniel P. Weisenbach is an independent financial specialist with more than 35 years of experience, insight and wisdom, dedicated to investment, retirement, tax and estate planning strategies.
Dan helps clients using safe, proven, time tested tax saving ideas and unique “risk-controlled” investment strategies designed to create, preserve, and maximize assets, income, prosperity, and legacy.
Dan started in the financial industry in 1982. In 2006 he decided to take 20 plus years of corporate and industry knowledge and share it with his clients becoming a Registered Investment Advisor in 2009. In 2017 Dan started DPW Financial, LLC.
Dan has continued to “pay it forward” by teaching financial educational classes helping individuals learn what they can do, so they can know what they should do.
Investment advisory services offered only by duly registered individuals through AE Wealth Management, LLC (AE Wealth Management). AE Wealth Management and DPW Financial, LLC are not affiliated companies.
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.
Brett A. Wood
Brett Wood of TBS Retirement Planning grew up in Oklahoma City, Oklahoma but moved to Texas after his first round of college. Brett has been in practice since 2004 and specializes in tax-advantaged saving strategies and tax-efficient retirement income planning. In other words – making sure you keep your money and that your retirement is everything you want it to be. Brett enjoys providing adult financial education classes, recognizing that knowledge is power!
Brett earned a BBA-Finance with a concentration in personal Financial Planning from the university of North Texas. He also earned an advanced certificate in Financial Planning from Kaplan University.
Brett lives in Highland Village with his wife, two sons, and their pets. He enjoys doing home improvement projects with his family, outdoor living, and activities with his sons’ Boy Scout Troop.