Michael Garry is a CERTIFIED FINANCIAL PLANNER™ practitioner and owner of Yardley Wealth Management in Yardley, PA. Michael is a NAPFA-registered Financial Advisor. He is a member of the National Association of Personal Financial Advisors (NAPFA) and the Financial Planning Association (FPA).
Michael recently published his first book: Independent Financial Planning: Your Ultimate Guide to Finding and Choosing the Right Financial Planner
Michael is a frequent expert contributor to financial publications, and has also been quoted in The Wall Street Journal, USA Today, Money Magazine, Kiplinger’s, BusinessWeek.com, CNNMoney.com, Consumer Reports Money Advisor, Investment News, The Bucks County Courier Times, Financial Advisor, and other periodicals;
Danielle L. Schultz, the principal financial planner of Haven Financial Solutions, is a CERTIFIED FINANCIAL PLANNER™ (CFP®), a NAPFA-registered Financial Advisor, and a Registered Investment Advisor in the State of Illinois. She studied financial planning at Northwestern University’s Certified Financial Planner™ certification program. She also holds a Series 65 license (Registered Investment Advisor Representative) and a CCPS (Certified College Planning Specialist).
She writes a regular column for Better Investing magazine and is currently working on a revision of their mutual funds handbook. In addition to academic training and professional experience, Ms. Schultz has personally managed Social Security, Medicare, retirement and long-term care issues; college funding concerns; and cash flow and transition planning in self-employment and divorce situations. Her social work background gives her an innovative perspective on financial planning issues; for her, financial planning is not only about money, but also a key component in a satisfying and well-lived life.
Forrest Baumhover joined Lawrence Financial Planning in 2018 after a rewarding 24-year Navy career. He holds a B.S. in English from the United States Naval Academy and an M.B.A from Old Dominion University. Forrest has been a CFP® professional since 2015. He is also enrolled before the IRS as a tax practitioner.
As a veteran and a financial planner, Forrest understands the difficulties of being financially prepared for the unexpected. His personal experience in helping sailors resolve their own financial challenges inspired him to become a financial planner.
Forrest has been quoted in USA Today, Forbes.com, Christian Science Monitor, Business Insider, and other industry publications.
Originally a native of Dade City, Florida, Forrest has lived in Tampa since 2014. In his spare time, he volunteers as a transportation specialist, transporting his three children from activity to activity.
Kimberly J. Howard, CFP®, CRPC®, ADPA® is the founder and owner of KJH Financial Services in Newton MA and Denver CO. She enjoys helping clients explore and achieve their life goals through effective comprehensive financial planning.
Kimberly holds a Master of Science degree in Computer Science Information Management from Boston University. She earned a Bachelor of Science degree in Mathematics and Physical Education from Stephen F. Austin University in Texas. She attended Boston University for her Certification in Financial Planning and H&R Block for Tax Preparation Certification.
Kimberly is currently an adjunct faculty member at MetroState University where she teaches General Financial Planning Principles, Income Tax, Retirement Planning and Estate Planning. She is a past adjunct faculty member at Boston University and The College for Financial Planning.
Kimberly is a member of the Financial Planning Association (FPA) and The National Association of Personal Financial Advisors (NAPFA). She was named to the Metropolitan Who's Who Among Executive and Professional Women. She is an expert Advisor for Nerdwallet, BrightScope, Morningstar, and FiGuide.
Kimberly promotes a life planning approach with a balanced work/life style. She is active in sports including cycling, golf, skiing, and hiking.
John Bird's fascination with social and economic systems gives invaluable context to Albion’s investing and wealth-management strategies. Specializing in complex financial planning issues, client investment policy formulation, and private account portfolio structure, he helps each client chart a course for long-term prosperity. Empowering clients to make educated decisions in an ever-changing world is his passion.
John has received numerous recognitions in national and local publications including Bloomberg Magazine, Worth Magazine, Medical Economics, The Salt Lake Tribune and Deseret News. John currently serves as a member of the CFA Institute, the Salt Lake Society of Financial Analysts, the Utah Estate Planning Council and as Finance Chair on the Board of Trustees of Rowland Hall School. He has also served as a board member for the Utah Chapter of the Financial Planning Association, and as Chairman of the Western Region of the National Association of Personal Financial Advisors.
Among independent financial advisors, Mr. Feight is one of the most well known and highly respected “Fee-Only” financial planners. Since 1997, Rich has dedicated his career to offering low cost “Fee-Only” comprehensive financial planning and investment advice. Rich assists his clients in organizing their finances so that they can retire on time.Rich is a graduate of Michigan State University where he received his degree in Finance. Rich has earned the Certificate of Financial Planning from The College for Financial Planning in Denver , Colorado that was comprised of intense graduate level classes grounding him in the various foundations of financial planning. He is a CFP® (Certified Financial Planner®) since 2001, meeting the experience, education requirements and passing the two-day, 10 hour exam, making him one of the few in the country who hold the designation. Since 2003, Rich has subscribed to the stringent and mandatory annual educational hours, experience, and code of ethics to meet the requirements to be a NAPFA Registered Financial Advisor. Out of the 800,000 individuals in the country who claim they are financial advisors/planners, fewer than 1,300 in the country qualify for the membership; Rich is one of them.
Rich is the President of the Financial Planning Association (FPA) of Michigan . The FPA of Michigan is one of largest and influential chapter in the country. Rich was recently named President for Transportation Toastmasters Club 4776 downtown Lansing . He has been quoted in both local and national media from Noise Magazine to CNBC, and Bloomberg, and industry news publications such as Investment News and Financial Advisor Magazine. Rich enjoys public speaking and has spoke at industry educational meeting, high schools, and executive investment clubs, AARP conferences, and business educational seminars for companies looking to educate their employees. Rich views his role as a Fiduciary for his clients as the single biggest key to any planning relationship and strives to provide the most competent, unbiased and objective advice in the financial planning profession today.
Jim Blankenship is the founder and principal of Blankenship Financial Planning, Ltd., a financial planning firm providing hourly, as-needed financial planning and advice. A financial services professional for over 25 years, Jim is a CFP professional and has earned the Enrolled Agent designation, a designation that qualifies him as enrolled to practice before the IRS. Jim is also a NAPFA-registered financial advisor, which designates him as a Fee-Only Financial Advisor.
Hi. My name is Bridget Sullivan Mermel. I started a fee-only financial planning firm, Sullivan Mermel, Inc. We especially enjoy working with attorneys, small business owners, near retirees, and clients interested in socially responsible investing.
We practice in a small niche of the industry called fee-only, which focuses on giving un-biased advice. We don't take commission, get kick-backs, or sell products. We have no hidden agendas. Our focus is on giving our clients the best comprehensive advice possible.
I started out with a tax practice in 1997. I could see that clients wanted and needed help not just with their taxes, but with other areas of their personal finances, too. When I found out about fee-only advising, with its emphasis on giving bias-free advice, I was hooked! I love helping people understand and improve their fiances.
I worked as manager and district manager during the start-up phase of Starbucks. I also worked supporting high profile litigation and in the back office of a derivatives firm.
I have a BA in Accounting and Marketing from the University of Wisconsin, Madison and a Masters in Liberal Arts from DePaul University in Chicago. I am a Certified Financial Planner™ as well as a Certified Public Accountant.
Daniel D. Joss MBA, CFP®, RLP® is a seasoned Financial Life Planning professional with over 16 years of advising clients. Dan earned a Master of Business Administration, with an emphasis in financial planning from Regent University in 1999. He has been selected more than once as Top Financial Advisor in Northern Virginia Magazine. Dan speaks regularly in various peer forums and professional organizations. He has also been quoted in various national and local print and online publications.
I am a Fee-only financial advisor dedicated to working with individuals and families that are keen or organizing their financial life. I believe today’s financial planning need is under-served by traditional financial planning methods, mainly due to minimum income or net worth levels requirements. My goal is to contribute and change this paradigm. So, after a 20+ years career in financial services industry, I launched Unique Financial Advisors in 2014. I am eager to guide you through life’s financial decisions!
I am a CERTIFIED FINANCIAL PLANNER™ practitioner with an MS in Personal Financial Planning. I hold Master Planner Advanced Studies (MPAS®) and Chartered Retirement Planning Counselor (CRPC®) designations. I am a current active member of:
NAPFA (country's leading professional association of Fee-Only financial advisors)
FPA ( Financial Planning Association)
XYPN (A Financial Planners network focused on Generation X and Generation Y clients)
“My Mission is to help you achieve financial security by providing Fee-Only Financial Planning services with a relentless focus on Personal Attention and Trust.”
1. Fee-Only: I do not accept sales commissions; I do not sell financial products such as Investments and insurance. I work solely for you!
2. Personal Attention: I take pride on providing personal attention. I take the time to answer your questions and explain matters in simple, clear terms.
3. Trust: I strive for ethical long term relationships. Your peace of mind and exceptional client service are at the forefront of my agenda.
My wonderful wife, Maha and I live in Holmdel, NJ. Our three young boys are on their path to settling down in life. When I am not working on Financial Planning, I enjoy hiking, skiing, and spending time with family.
To learn more about me and my services, please schedule a free consultation TODAY!
Victor P. Cannillo, NAPFA-Registered Financial Advisor, Founder, is a Wealth Management Principal with Baron Financial Group and the founder of the firm, with over 20 years of experience in the financial industry. He received his Bachelor’s degree in Finance and Investments and completed all of the coursework from the Certified Financial Planning program. As a result of his relationship with a special needs family member, Victor has been personally touched with the challenges associated with special needs. This relationship led him to become active in the special needs community, particularly with Spectrum for Living, a not-for-profit organization dedicated to helping adults with developmental and/or physical disabilities. Victor brings a strong business background to Baron Financial and implemented a team-based approach to financial planning at the firm.
I have been an asset, financial, life and wealth manager for 36 years. During that time the profession has been in a state of rapid evolution. What my core clients expect of me today is very different from what they expected 36 years ago When I started, clients were just beginning to invest and had little. Now many are near and or are retired, and have accumulated a great deal.
I believe I have given my clients peace of mind and comfort that occurs when they have had a trusted relationship with someone for many years. What keeps my clients coming back to us is not product, but the confidence that someone is looking out for their best interest, listening to what they are saying and serving as a partner in helping them get where they want to be. Who else has asked the questions about who they are, where do they want to go, and what drives them? I have been my clients' sounding board, confidant, coach, guru and in the end the stronger the relationship we have had, the greater were their successes. We do not always have the "Be your client's best friend" type of relationship but, in the end, I want to be their "go to" guy when they need questions answered or need help.
Hello. My name is Michael Chamberlain CFP®, the principal of Chamberlain Financial Planning and Wealth Management. Our firm is “fee-only” with offices in Sacramento, Campbell and Santa Cruz California. “Serving clients from the mountains to the sea.”
Our mission is to help clients realize their full potential today while planning for an abundant tomorrow through comprehensive financial planning and collaborative decision-making.
As an experienced investment and planning professional, I have had the privilege of being interviewed by and contributing to hundreds of articles in such publications as Money Magazine, Financial Planning Magazine, ABC.com, Forbes.com, Nerdwallet, NASDAQ.com, Yahoo Finance and more.
I hope that you spend some time at the FiGuide site and learn more about the financial matters important to you. To learn more about our firm, visit our website www.chamberlainfp.com or give us a call at 800-347-1340.
Lon Jefferies is an investment advisor representative with Net Worth Advisory Group, a fee-only financial planning firm in Salt Lake City, Utah. He is a Certified Financial Planner (CFP®) and a member of the National Association of Personal Financial Advisors (NAPFA). He possesses an MBA and bachelor's degrees in Finance and Marketing from the University of Utah. Lon writes articles for local magazines such as Utah CEO, Business Connect and Utah Business Magazine, and he consistently contributes articles to online magazines such as FIGuide.com and FILife.com (by The Wall Street Journal). Additionally, Lon is an expert author at EzineArticles.com. Lon has been quoted nationally in publications such as the NY Times and Investment News.
Lon can be contacted at (801) 566-0740 or [email protected]. Learn more about Net Worth Advisory Group at http://networthadvice.com and visit Lon's blog at http://www.utahfinancialadvisor.blogspot.com.
Tim Kober is the founding principal of Cedar Financial Advisors, LLC, an independent, fee-only financial planning firm based in Portland, Oregon. Tim specializes in providing Fee-Only financial planning, investment advice, and hourly consulting to individuals and families.
Prior to founding Cedar Financial Advisors, Tim spent 18 years as a Director of Strategic Planning and other Senior Management positions at Intel Corporation. He played a key role in creating and managing several successful businesses and product lines, and was valued as a trusted advisor to executives and as a leader/mentor to his team.
Tim has taken his passion for investing, solving problems and helping others and applied it to personal financial planning. He applies the same strategic thinking, problem solving, organizational, and communications skills that made him highly effective in a corporate setting to help individuals and families define and realize their personal goals.
Recognizing the critical need for fiduciary financial advisors that help clients reach their goals using sound, academically proven investment strategies, Tim established Cedar Financial Advisors, LLC.
Blessed with a wonderful wife and child, Tim loves outdoor activities such as hiking, cycling, alpine skiing, and tennis. In 2007 he rode in Cycle Oregon, an annual six day cycling adventure. He is active volunteer in his community and at his daughter’s school.
Scott Spann CFP®, EA is a Fee Only financial life planner and the founder of LifeSpan Financial Planning, LLC located in Charleston, South Carolina. Scott has been providing financial planning advice for a diverse group of clients since 2000. He is a Fee-Only financial life planner practitioner with a strong orientation in areas of tax planning and financial life planning. Scott also specializes in investment planning, retirement planning, college planning, tax planning and incorporating life planning into the financial planning process. Scott is committed to the Fee-Only model of financial planning.
Scott is originally from Greenville, South Carolina and has called the Lowcountry his home since graduating from the College of Charleston in 1997. He began his financial planning career in 2000 after completing graduate studies at The Citadel (MA, 1999) in the field of psychology. This academic background helped shape his vision to help his clients make the smartest decisions possible with their money in a client-centered relationship. Scott completed his advanced financial planning studies at the College for Financial Planning.
Scott is a member of the Nation Association of Personal Financial Advisors (NAPFA), the Financial Planning Association (FPA), and the National Association of Enrolled Agents (NAEA). In addition to promoting Fee Only financial planning, Scott also devotes a significant amount of time promoting financial literacy and recently volunteered with Your Money Bus. He is a frequent guest on the Money Matters Radio Show on 94.3 WSC FM in Charleston, South Carolina where he provides financial planning advice to listeners. Scott also provides free financial counseling to military service members as part of the Department of Defense's Financial Readiness Program.
Linda Y. Leitz is a fee-only Certified Financial Planner™ and has been in the financial industry since 1979. She is also enrolled to practice before the Internal Revenue Service. Before becoming a financial professional, Linda held several executive positions in the banking industry. She began her career as a bank examiner. Linda has a BBA in Business Administration from Principia College and an MBA from Southern Methodist University.
As a fee-only financial planner Linda is a member of the National Association of Personal Financial Advisors, the Financial Planning Association, the National Association of Tax Professionals and the Alliance of Cambridge Advisors. As a leader in the financial planning industry, Linda is the author of the book titled "The Ultimate Parenting Map to Money Smart Kids". She has been quoted in several national publications including the Wall Street Journal, U.S. News and World Report, and Morningstar Advisor and she has appeared on CSNBC. She also works as a volunteer instructor to new financial advisors with the Alliance of Cambridge Advisors.
Jane M. Young is a Certified Financial Planner and co-owner of Pinnacle Financial Concepts, Inc. and Divorce Solutions, Inc. She has been a financial planner since 1996. She is also enrolled to practice before the Internal Revenue Service. Prior to becoming a financial planner Jane held several management positions at Digital Equipment Corporation and Quantum Corporation, where she worked for 14 years. Jane holds a Bachelor of Science degree in Business Administration from the University of Colorado and an MBA from the University of Colorado. She has also completed the two year Certified Financial Planner Professional Education Program with the College for Financial Planning.
Jane is very active in the community. She is the immediate past president of the Rotary Club of Colorado Springs and a past president of Leadership Pikes Peak. She is a graduate of the Leadership Pikes Peak class of 2004. She is a past president of the Financial Planning Association of Southern Colorado and a past president of the Pikes Peak Chapter of the National Association of Women Business Owners. Jane is also a member of the University of Colorado at Colorado Springs, College of Business, Alumni Leadership Team. Jane is a graduate of the Leadership Program of the Rockies class of 2009 and a graduate the Colorado Springs Leadership Institute class of 2011. She is also a member of the Estate Planning Council and Artemis. Jane was selected as a 2010 Woman of Influence by the Colorado Spring Business Journal.
As a fee-only financial planner Jane is a member of the National Association of Personal Financial Advisors, the Financial Planning Association, the National Association of Tax Professionals and the Alliance of Cambridge Advisors. She has been quoted in several local and national publications including The Wall Street Journal, US News and World Report, Consumer Reports, Investment News, MSN Money, Kiplinger Magazine, Financial Advisor Magazine, Bankrate.com and the Colorado Springs Business Journal. She also works as a volunteer instructor to new advisors with the Alliance of Cambridge Advisors and has worked as an adjunct instructor at the University of Colorado at Colorado Springs.
Jane is from St. Louis, but grew up in Colorado Springs. She enjoys skiing, golfing, traveling, hiking, painting and learning to speak French.
For the past twelve years, Kenneth F. Robinson has guided individuals and families with straightforward financial advice and one-on-one coaching with an easy-to-understand and humorous approach.
A CERTIFIED FINANCIAL PLANNER(TM) professional and a financial seminar and workshop leader, Ken has spoken to thousands of individuals who know what it is to work for a living, some still active in their careers, and others who are retired.
Ken works with organizations that want their people to benefit from simple, easy-to-apply financial strategies that really work. More than just helping people "have more money", he helps them achieve more contentment and satisfaction around the entire subject of money. Ken helps people increase their control over their financial lives, reduce their financial stress, and enhance their relationships with money.
As a keynote speaker, seminar presenter and workshop leader, Ken uses a lighthearted and humorous approach to give people easy-to-understand facts and strategies to improve their lives—not just their finances, but all aspects of their lives that are tied to money concerns. Ken sells no investments, insurance, or financial products of any kind at any time, so your event will be an educational experience for your audience.
As a business coach, Ken Robinson helps organizations consider and select ways to provide financial planning as an employee benefit, and maximize understanding and appreciation of the existing benefits package.
As a financial coach, Ken Robinson helps individuals and families learn how to save money with every paycheck, develop strategies for debt reduction, identify the most important needs in their financial lives, find hidden opportunities to spend less, and identify roadblocks to financial success. Financial coaching turns genuine but indistinct dreams into concrete action plans.
Financial Advice for Everyday Life
Kevin Jacobs, the founder of Step By Step Financial, LLC, has been a recognized CFP® practitioner since 2008 and has been in the financial services industry since 2005. As an Enrolled Agent (EA), Kevin is also licensed to practice before the IRS. Before 2005, he served as a youth director in Memphis, TN. Kevin and his wife, Donella, have seven children (5 boys and 2 girls). They are active at their church and Kevin is also very involved in the community of Broken Arrow.
Lea Ann is the Principal of Garrison/Knight Financial Planning as well as the creator of the financial literacy site, Financially Fit After 40. She also writes a monthly column as the Money Expert for All You Magazine.
Garth has almost 10 years of experience in financial services in a variety of roles. Prior to joining StanCorp Investment Advisers, he was a principal in his own advisory firm, serving individuals and families in the Albuquerque area with comprehensive financial planning and investment management. He is a Certified Financial Planner® professional, and has his bachelor’s degree in accounting from New Mexico State University.
James Daniel, CFP is the owner of The Advisory Firm, LLC a fee-only financial planning practice located in Alpharetta, Georgia.
Kathleen M. Rehl, Ph.D., Certified Financial Planner® has assisted individuals with life-centered, comprehensive financial planning in her “fee-only” practice at Rehl Financial Advisors since 1996. She is a Registered Investment Advisor, serving as a trusted guide and fiduciary.
Frequently invited to speak on the topic of widows and their financial issues at national and regional events, Kathleen has also been published in many sources and quoted in publications including the New York Times, Wall Street Journal, Kiplinger’s Personal Finance, Money, and Consumer Reports. She was named as one of the country’s 100 great financial planners by Mutual Funds magazine.
Kathleen’s world changed forever when her husband and business partner died of cancer in 2007. Then five weeks later her widowed mother also passed. It was from her personal grief experiences that Kathleen’s life purpose evolved—helping other widows to be more self-confident, knowledgeable and secure about their money matters. She is passionate about empowering her “widowed sisters” to take control of their financial future.
Her loss motivated Kathleen to publish Moving Forward on Your Own: A Financial Guidebook for Widows. This guidebook helps widows stabilize their new financial situation, avoid making big mistakes and make progress in their changed life. New widows, especially, are in such a fragile emotional state, vulnerable to acting on inaccurate, or even worse, unethical advice provided by untrustworthy sources. She presents information in an easy-to-understand manner, along with issues of the heart, to help widows face their very different life ahead. This unique book includes a beautiful format, helping to heal a woman's soul while focusing on money issues.
The March 2011 issue of "Your Guide to a Richer Retirement," a newsletter produced by Kiplinger's Retirement Report, recommends Moving Forward on Your Own: A Financial Guidebook for Widows. U.S. News and World Report also featured the book in a special story.
Widows transitioning into their new financial life may use this book on their own or with the guidance of a professional. It may be given as a gift to a family member or friend who is widowed. Some organizations using the guidebook are: many U.S. Army posts; the national ELCA Foundation; hospice services; community support groups; funeral homes and congregations.
Kevin L. Nulton, Esq., CFP®, is president of Titanium Advisors, LLC, a fee-only financial planning and investment management firm with offices in Franklin and Boston, Massachusetts. Kevin applies a unique blend of financial, legal and tax expertise to address the various planning issues faced by his clients.
The firm works with a broad spectrum of clients including people in the early stages of their careers, parents saving for college and retirement, and retirees seeking to enjoy their retirement years without undue stress from financial uncertainty. We also have particular expertise with respect to the myriad of issues encountered by self-employed professionals and business owners.
Titanium Advisors provides a wide range of services to help our clients achieve their financial goals and objectives. Depending upon the needs of the client, our work will range from one-time advice regarding a specific issue or concern to a comprehensive financial plan with ongoing investment management and planning services.
Our approach is very different from most other advisors. We are not salesmen offering “one size fits all” insurance or investment products or hucksters who promise to outperform all others utilizing the latest investment fad. Rather, we apply decades of business, legal and tax expertise to prepare and implement a financial plan and investment strategy which matches each client’s unique goals and objectives.
Patrick Bourbon, CFA, is the Founder of Bourbon Financial Management, LLC. Patrick is an established investor with over 15 years of successful experience in global wealth management. His experience includes 10 years as an analyst and portfolio manager at UBS Global Asset Management, one of the largest asset managers in the world. He is an adjunct faculty member at the Illinois Institute of Technology. He is a talented and dedicated investment professional, with a client-centered focus, who wishes to share his investment passion and experience in an ethical manner. Patrick is constantly striving for excellence. His unique combination of international experience and strong educational background give him a significant edge when it comes to analytical depth as well as optimizing your wealth. He graduated top of his class, earning his Master of Science in Engineering (EPF Ecole d'Ingenieurs-Paris). In 1999, he relocated to Chicago to work again for Euronext/NYSE, and started to manage a second fund of funds (in US Dollars this time). He also earned a Master of Science in Finance (Illinois Institute of Technology - graduated Beta Gamma Sigma). Patrick also earned the Chartered Financial Analyst designation in 2003. He is also actively involved in the Chicago community. In 2006, Patrick was elected President of UFEC (Union des Français de l’Etranger de Chicago) Chicago's largest, most active, and oldest volunteer Francophone organization. Patrick is also actively involved in the French-American Chamber of Commerce and the CFA Society of Chicago. Patrick is a board member of Stuart Investments at the Illinois Institute of Technology, and Chair of the Finance committee of the South Drill Team.
Chip is a principal of Beacon Financial Strategies and serves as the firm’s investment portfolio manager. He earned his business management degree from North Carolina State University and a Masters in Business Administration from East Carolina University.
Chip is a Certified Financial Planner™ practitioner and works closely with clients in the areas of overall financial planning, asset allocation and risk management strategies. As the firm’s investment portfolio manager, he is responsible for developing and maintaining Beacon’s model portfolios.
Ara Oghoorian, CFA, CFP® is the founder and president of ACap Asset Management, Inc, a financial advisory specializing in working with medical professionals. Ara has over 20 years of experience in the financial services industry. Prior to starting ACap, Ara worked for a wealth management firm in the Washington, DC area providing investment management, tax preparation/planning, financial planning, complex risk-management strategies, and financial advice to ultra high net worth individuals and institutional clients.
Ara worked overseas for the US Department of the Treasury as an advisor to the Ministry of Finance and Economy in the Republic of Armenia. He also conducted work in the Republic of Georgia and the Republic of Latvia. He spent nine years at the Federal Reserve Bank of San Francisco auditing foreign and domestic banks and bank holding companies. He began his career at Wells Fargo Bank in Huntington Beach, CA.
Ara earned a Bachelor of Science degree in finance from San Francisco State University, is a Commissioned Bank Examiner through the Federal Reserve Board of Governors, and holds the Chartered Financial Analyst (CFA) designation. Ara also holds the Series 65 license.
David Rosenthal, MBA, CFP® is the founder and a principal of Wealth Management Solutions as well as a financial advisor. His areas of expertise is working with corporate executives who possess complex benefit packages and small business owners whether they are growing, maintaining or selling their business.
David founded WMS to address a local need for unbiased advice through fee-only financial planning. He began practicing in 1995 with Asset Management Group (AMG), a fee-only financial planning firm that provides comprehensive advice to Fortune 500 executives.
Throughout his five-year tenure at AMG, he had the unique opportunity to work closely with top C-level executives (Chief Operating Officers, Chief Financial Officers and Chief Executive Officers) of companies including AT&T, Verizon, Campbell and Nabisco.
He moved to Arizona in 2000 to manage the wealth management division of a national CPA firm where he gained valuable experience working with business owners and their unique planning needs.
I have provided fee-only financial planning and asset management services for over 20 years. Personal financial planning columist for the Coloradoan (daily newspaper) for past 10 years. Professional credentials are CPA/PFS. PFS (Personal Financial Specialist) designation is available only to CPAs who meet the educational requirements and have passed a rigerous multi-day examination.
Cheryl is a NAPFA-Registered Financial Advisor, a CERTIFIED FINANCIAL PLANNER™ professional, and one of the founding members of the Clearview Wealth Management team. She is a Partner with the firm and serves as a Senior Financial Advisor and the Director of Planning.
Cheryl’s passion for exceptional client care and expertise in the planning arena allows her to develop customized financial plans for clients ensuring that they can make well-educated, informed decisions about their futures. She works with those nearing and in retirement, especially focusing on women who are alone. She is especially sensitive to those adult children dealing with generations of their families and the competing demands on their time and finances.
She focuses much of her time assisting clients with complex estate and gifting situations, trust management and later life issues for aging clients. She has become a vital resource to advisors across the United States, presenting at national conferences on issues for aging clients and clients who fall into the “Sandwich Generation.” She has also been quoted in numerous national publications, including the Wall Street Journal and AARP and speaks in the community on aging topics.
Kelly Trageser is a CERTIFIED FINANCIAL PLANNER ™ professional and has an MBA in Finance. She is the Principal of Sea Clear Financial Planning, LLC, and independent Fee-Only personal financial planning and investment management firm located in Sea Girt, NJ.
Kelly Trageser has over 20 years of experience in the financial services industry. As a NAPFA-Registered Fee-Only Financial Advisor she has signed a Fiduciary Oath that puts client's interests above all others. NAPFA registered advisors meet the most rigorous continuing education requirements in the industry.
WILLIAM CUTHBERTSON began his career in the financial planning profession in 1999, founding Fiscalis Advisory in 2003 after working with, and studying under some of the most qualified CERTIFIED FINANCIAL PLANNER™ professionals in the country.
After earning an honors MBA from the George Herbert Walker School of Business & Technology of Webster University, Mr. Cuthbertson received his graduate certificate in personal financial planning from the University of California, Irvine. Shortly thereafter, he completed CFP Board's comprehensive qualification process, and earned the right to use the CFP® marks as a board certified financial planner. As a tax specialist, he has also been admitted to practice before the IRS, and State taxing authorities as an Enrolled Agent.
In addition to these marks of distinction, Mr. Cuthbertson is also a NAPFA-Registered Financial Advisor, a Registered Life Planner®, and a member of the Alliance of Cambridge Advisors.
Mr. Cuthbertson is active as a leader in the profession. He is a former board member of the nationally based Alliance of Cambridge Advisors, and currently serves as President-Elect of the Financial Planning Association Orange County Chapter Board of Directors. He frequently speaks on personal finance for the popular Orange County Foundation sponsored It's Your Money seminar series.
Alan is passionate about providing individualized financial advice to individuals and families, regardless of their net worth, income or investable assets. An educator at his core, he strives to serve as his clients’ guide, available to help with the sometimes stressful or exciting financial situations that life inevitably brings.
Alan is the founder of Serenity Financial Consulting, which he started after noticing the lack of hourly, as-needed financial planning advice available to consumers. With experience working in several nationally recognized firms including Kahler Financial Group and Financial Service Group, Alan combines his industry experience and technical knowledge with his entrepreneurial spirit and penchant for teaching others to create a refreshing style of truly personal financial planning.
Alan is a Certified Financial Planner™ professional and Certified Retirement Counselor™. He earned his bachelor’s degrees in Family Financial Planning and Consumer Economics and his Master’s Degree in Family Financial Planning from the University of Georgia. Driven by his desire to educate, Alan also taught undergraduate financial planning courses while in graduate school.
Alan prides himself on being active in his community and feels privileged to have served in the Georgia National Guard for four years before receiving an honorable discharge. Originally from Georgia, Alan now lives in Shorewood with his wife Melissa, and enjoys taking advantage of the abundance of activities that Milwaukee has to offer.
Specializes in the following areas of expertise:
Helping Clients Identify & Achieve Goals
Planning Issues for Business Owners
Ongoing Investment Management
Retirement Planning & Distribution Rules
Advising Medical Professionals
College/Education Planning
Planning Specialties
Rick has been working with business owners, dentists, doctors, and other professionals for many years. He helps them develop and implement a personalized plan to achieve financial independence. “My mission is to provide clients with peace of mind. I do this using a proprietary method I developed called The Smart Decision Process™. The process ensures nothing is overlooked and while helping you create a dynamic model for making smart financial decisions that are based on your most important goals.” A popular speaker, he has been asked to talk on “Planning for Retirement” at conferences including the FBI, University of Minnesota, and USDA.
Additional Information:
Rick is the founder and president of Epple Financial Advisors, a Comprehensive Fee-Only financial planning firm headquartered in the Lake Minnetonka Area of the Twin Cities. As a qualified professional in the areas of retirement strategies and investments, Rick has been interviewed and contributed to articles in the Washington Post, Money Magazine, Kiplinger's Personal Finance Magazine, Parent's Magazine, NAPFA Advisor, and Fortune Magazine. Rick has also contributed to the Book "Just Give Me the Answer$".
Jim handles client relationships and provides expertise to the firm on financial planning. He has been providing wealth management services since 2002. He currently serves working families, widows and retirees. Jim has been featured in the Wall Street Journal, Dow Jones Newswire, Bottom Line Personal and MSN Money. Specialties: Fee-Only Comprehensive Wealth Management.
Brian Frederick is a financial planner who focuses his practice on being a trusted advisor to successful Generation X professionals, helping them align their financial affairs with the lives they want for themselves and their families. He believes that financial advice should be provided by someone who isn’t compensated by sales commissions and that the advice be holistic in nature - not just looking at your investment portfolio or selling you an insurance policy. He’s also discovered that most practitioners who meet these requirements primarily serve clients who are ‘older’ and ‘richer’.
Brian has been interested in money and financial matters since watching Richie Rich cartoons as a young boy. Over the years, his understanding of building wealth has become more realistic – first by going to the public library with his father, a retired university economics professor, to read investment periodicals; and then later by his riding his small Roth IRA up during Internet Bubble, only to have it come crashing down when the bubble burst.
Brian started his career by working as a commissioned stockbroker – something he describes as being a used-car salesman when he really wanted to be a mechanic. He then moved into several customer-facing credit and collection roles before ultimately becoming a non-commissioned financial advisor. For the five years prior to starting Stillwater, Brian worked for the investment and financial advice division of auto insurance giant USAA.
Brian is a Phi Beta Kappa graduate of the University of Nebraska – Lincoln. He also graduated from the University of Nebraska Law College where he was awarded an academic scholarship. He has been a CERTIFIED FINANCIAL PLANNER™ professional (CFP®) since 2006; is a Chartered Financial Consultant (ChFC), having completed extensive education in professional financial planning; has earned the Chartered Life Underwriter (CLU) which is the highest-level designation available in the life insurance profession; and is a Certified Wealth Strategist ® (CWS®) which focuses on the practical advice related to the thirteen common issues that high net worth individuals face. He is an inactive member of the Nebraska and Arizona bar associations.
Brian lives in Scottsdale, Arizona with his wife and two young sons. Outside of work and family, his passions include Kansas City Royals baseball, driving his Corvette, and cooking barbeque on his Big Green Egg.
Chad Smith is a partner and adviser with Financial Symmetry a fee-only financial planning firm in Raleigh, NC. He is a Certified Financial Planner (CFP®) and has been helping clients for 15 years. He enjoys helping people do more things they enjoy. He is a contributor to Money Magazine and has appeared in the Wall Street Journal, Bloomberg Businessweek, Financial Planning Magazine, Triangle Business Journal, and Investment News. He is also an active member of NAPFA, the Financial Planning Association and FPA’s NexGen.
John A. Kvale CFA, CFP, is the founder of J.K. Financial, Inc. and with 22 years of industry experience is currently the president of J.K.Financial, a fee only financial planning and wealth management firm. J.K. Financial specializes in wealth management, adhering to unique approaches to investing in the capital markets. The company has a global presence, serving individual and institutional clients across the United States as well as several foreign countries.
David is president and chief executive officer at BlueSky Wealth Advisors, a fee-only, independent Registered Investment Advisor (RIA) he founded in 1999. David is primarily responsible for defining the overall firm policies, strategy and goals. He also formulates advanced financial planning and complex tax strategies for clients, and is responsible for setting the firm wide investment strategy.
Matthew B. Goff is the founder and Chief Investment Officer of the Goff Financial Group, a SEC registered investment advisory company located in Houston, TX. After graduating from the University of Texas at Austin with a major in finance, Matt began his career with Lehman Brothers in 1993. Today, Matt manages portfolios for individuals, couples, trusts, retirement plans, and corporations. For three consecutive years, he has been included in the Five Star Award Professionals list as featured in Texas Monthly and has been rated as a Five Star advisor by the Paladin Registry since 2006. Matt is an active member of the National Association of Personal Financial Advisors (NAPFA), the country’s leading professional association of fee-only financial advisors.
Terry Prather tries to strike a healthy balance between today and tomorrow.
In his position as a Wealth Planner with Keystone Financial Consulting, Terry helps families use their financial resources to accomplish what’s most important to them. “I help families evaluate and balance their long-term financial independence with all their other life goals,” he says. “These families often want to be responsible with the financial resources available to them to do good things for family and the causes they’re passionate about. We all make financial decisions every day, and I have the privilege of helping clients make these decisions in context of their long-term picture.”
Had he not found college physics to be boring, he might not have ever become a wealth planner. Initially Terry pursued an engineering degree, but lacked enthusiasm for the physics classes in his major. When he switched colleges and changed majors, the pieces began to fall into place. He discovered an aptitude for accounting, and after graduation found himself drawn to financial planning. This desire eventually led Terry to earn the CERTIFIED FINANCIAL PLANNERTM certification and then pursue a Master of Science in Financial Services, and each day he uses this knowledge to help families find that healthy balance between today and tomorrow.
“I enjoy being face-to-face with our clients, and I like being able to explain the more technical aspects, explain how their strategy works,” says Terry. “We like it when clients walk away feeling they received a lot of value, that we’ve used their resources effectively.”
As a man with a strong, faith-filled Christian background, Terry devotes a good bit of his free time toward music ministry in his church, New Life Church in Newburgh. Terry and his wife Paula share their talents through singing and playing guitar (Terry) and keyboards (Paula) and are sometimes joined by their three children in this endeavor. They also like to spend time as a family outdoors, visiting Holiday World and Paoli Peaks, riding bikes, hiking, and swimming.
Sarah is a Certified Financial Planner™, a NAPFA-Registered Financial Advisor, and a Master Graduate of Rapport Leadership International.
Sarah loves working with her clients to help them understand their financial picture. She is a passionate teacher who helps clients navigate a variety of multi-generational milestones. She enjoys serving as a trusted confidante, sounding board, and guide to clients helping them obtain their financial goals through all life stages.
Sarah serves as a lead team member on many projects and committees within the office and brings with her the exceptional ability to rally a group to do their best, and to be their best. She enjoys leading Albion Financial Group's community outreach and quarterly service at the Utah Food Bank.
Continuing education and personal development are two of her professional interests. Her commitment in these areas shows in her dedication to her clients and to leadership initiatives within the community.
Michael D. Gibney is a Wealth Manager at Modera Wealth Management, LLC. His main responsibilities include helping clients develop their financial plans, implementing wealth management strategies and managing clients’ investment portfolios. In his role, he serves small business owners and individuals throughout the United States and abroad. Michael has extensive experience working in all areas of financial planning, including retirement planning, estate planning, tax planning and risk management. He specializes in retirement accumulation and distribution strategies, and investment advisory services for foundations, trusts and charitable organizations. He has over 15 years of experience in financial planning preceded by another 15 years of Wall Street experience.
Prior to joining Modera Michael worked as a financial planner at Highland Financial Advisors, LLC and before that at Raymond James Financial Services. Michael began his career within a variety of roles on Wall Street including positions at Swiss Bank Corporation, Lehman Brothers and Bear Stearns.
Michael earned a Bachelors in Business Administration in Management Information Systems from Pace University as well as a Financial Planning certificate from New York University. Michael is a CERTIFIED FINANCIAL PLANNER™ professional and also has earned the AIF® - Accredited Investment Fiduciary® professional designation. Michael is a frequently quoted in local as well as national media in the areas of personal finance and retirement planning. His media credits include The Wall Street Journal, Money Magazine, USA Today, the Newark Star Ledger, the Bergen Record, Smart Money online, and CNBC.com.
He is an active leader in his community and currently serves on both the Board for the Northeast / Mid-Atlantic (NEMA) region of the National Association of Personal Financial Advisors (NAPFA) and the New Jersey Metro Multiple Sclerosis Society Board of Trustees. He served as 2010 Chairman of the New Jersey Financial Planning Association and 2011-2013 Chairman of the Board of Trustees for the NJ Metro Multiple Sclerosis Society.
Anthony Benante, CFA, is a Wealth Management Principal with Baron Financial Group. He is a graduate of Indiana University and a Chartered Financial Analyst® charterholder. The CFA® charter is recognized globally as the preeminent designation for those in the field of investment management. It also emphasizes the highest ethical and professional standards. Tony's career is deeply rooted in the financial industry, with positions in fixed income, equity and option markets, trading floor experience, as well as corporate banking. With portfolio risk as the cornerstone for investment decision making, Tony has researched and interpreted market data, marketplace changes, economic, financial and business news to make both strategy and investment decisions.
Nicholas J. Scheibner, CFP®, is a CERTIFIED FINANCIAL PLANNER™ with Baron Financial Group. The CFP® certification identifies professionals who have met the high standards of competency and ethics established and enforced by the CFP® Board. CFP® professionals are required to act in their clients’ best interests and have met rigorous professional standards. Nick helps our clients by developing financial plans, retirement forecasts, and cash flow analyses. He has been very active with the Financial Planning Association of New Jersey, having served on their Board of Directors and as Public Relations Chair. Nick is also an award recipient from the FPA of NJ.
Growing up, I experienced the financial stress and anxiety that divorce and unexpected unemployment can bring. My family's financial instability came while I was attending junior high school in a wealthy Indiana suburb, surrounded by kids with gold cards, the latest fashions, and spring break trips to faraway places. This created a strong desire in me for financial security and led me to work very hard in school, taking advantage of every opportunity.
Everyone has a different relationship with money. Some of my creative clients don't like to think about it and would rather spend their energy pursuing their art. Other clients save aggressively so they have the freedom to retire early. I feel privileged to get to speak confidentially with all types of people and learn about a private topic most people don't often share. It's my calling to help people have a positive relationship with their money and to view it as a tool to help them lead the lives they desire.
