Previous ChFEBC℠ of the Month

Alexandra Márquez

ChFEBC℠, LPL Financial Advisor, PenFed Wealth Management

Alexandra is a financial advisor at PenFed Wealth Management, located at PenFed Credit Union in Puerto Rico. Her passion is to help individuals and families work towards their financial goals by creating realistic and detailed financial plans.  

At PenFed Wealth Management she is focused mainly on retirement planning, wealth strategies and risk management. One of her main goals is to make your money work for you by creating a simplified financial roadmap. 

Alexandra takes the time to understand an individual’s unique financial situation and life goals to be able to provide tailored financial recommendations for each situation. Having an ethical mindset above all, she guides investors through: Retirement, Wealth Management, Insurance & Estate goals, Lifetime Income Strategies and College Funding. 

During her career she has developed a deep commitment to providing excellent service that can improve clients’ lives by providing a prudent path for their unique circumstances. She uses a “people helping people” approach derived from the culture at PenFed Wealth Management. Many of her clients distinguish her for providing simple strategies for complex situations.  

She has been in the Financial Industry since 2007; having received a bachelor's degree from Northeastern University. Besides being a Chartered Federal Employee Benefits Consultant, she is also FINRA series 7, 24 and 66 registered with LPL Financial, Life, Health & Annuity Licensed. 

In her spare time, Alexandra enjoys traveling and family time. She is a devoted mother and enjoys being part of her kids’ school community & events.

Office: (787) 307-1074 C: (787) 438-3084 

Pen Fed Credit Union 7 Tabonuco St. Suite 103 – San Patricio Office Center Guaynabo, PR 00968

AIF®, ChFEBC℠

Accredited Investment Fiduciary AIF®, Chartered Federal Employee Benefits Consultant ChFEBC℠ 

San Diego, CA

Phone: 619-220-0002

Cell:     619-572-6895

Sites: www.estatemanagementgroup.com

           www.engagingwomeninwealth.com

Deb Sims is a Wealth Advisor and CEO of two financial firms; Estate Management Group and Engaging Women in Wealth. Both firms were founded on loyalty, uncompromising quality, and exceptional personal service. Her mission is to provide personalized wealth management services to help her clients pursue their goals and to educate them on life’s complicated financial matters. Her offices are located in the heart of Historic Rancho Santa Fe, and Old Town, California. 

The ChFEBC℠ designation is important to Deb because it enables her to help Federal employees better understand and maximize the benefits available to them. The Federal retirement benefits are complex and constantly updated requiring specific expertise in order to be able to best navigate them. Deb’s designation as a Chartered Federal Employee Benefits Consultant means she has undergone extensive training and has a thorough understanding of CSRS and FERS retirement annuities, the Thrift Savings Plan (TSP), and other benefits that only federal government workers may have.

Along with her experience as a financial advisor on Wall Street and working with independent firms, she also has the Accredited Investment Fiduciary® certification, which signifies advanced knowledge of fiduciary responsibility and the ability to implement policies and procedures that meet a defined standard of care. Deb is dedicated to providing her clients with premier care and advice.

Deb provides assistance with:

• TSP (Thrift Savings Plan)              
• Pension Income Maximization  
• Federal Retirement Planning                                                                                     
• Retirement Income Planning                                                                                                     
• Social Security & FERS Supplement
• Fee-Based Asset Portfolio Management
• Estate and Charitable Trusts
• Wealth Planning for Family Legacy
• Tax Efficiency

Deb Sims is actively involved in her San Diego community and has been involved with a variety of local charities. She is the proud mother of three amazing daughters and enjoys the great San Diego outdoors. 

Reach out to Deb to see how she can help you plan for your future!

WHERE TO FIND US

SAN DIEGO OFFICE

3940 Hortensia Street

San Diego, CA 92110

RANCHO SANTA FE OFFICE OF CONVENIENCE

16906 Via de Santa Fe

Rancho Santa Fe, CA 92067

Registered Representative offering securities and advisory services through Madison Avenue Securities, LLC. (MAS), Member FINRA/SIPC, and a Registered Investment Adviser. Engaging Women in Wealth and MAS are not affiliated entities.  CA Insurance License Number 0C74190.

Licensed to sell securities in the following states: AZ, CA, CO, KS, MA, MN, MO, NV, NM, NY, OR, TX, UT, & VA.

ChFEBCSM, RICP®, ChFC®

Jay devotes his time to helping people make great decisions about their personal finances. He builds personalized strategies for hard-working people who want financial security. 

When he’s not working, Jay and his wife, Courtney, have many interests including travel, art, music, cooking, local and national politics, bicycling, and taking walks. They are empty nesters who enjoy time with their children, family, and friends. They are active in their neighborhood and the broader community.

Investment advisory, insurance and financial planning services offered through Focus Financial Network, Inc. Securities offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services mentioned here are independent of Osaic Wealth. Osaic Wealth and Focus Financial are not government entities or government employees nor are they affiliated with any government entity.

ChFC® RICP® ChFEBC℠

Vincent lives in Fountain Hills, AZ, and is a Navy veteran who supports military and public safety veterans by supporting various veteran and public safety organizations. 

He also serves the community through his work with the Kiwanis Club. 

As a devoted family man, Vincent has been married to his wife, Tracy, for over 33 years and has two grown sons, Armani and Gianni.

• 31 Years in the Financial Industry​
• Chartered Financial Consultant® (ChFC®) 
• Retirement Income Certified Professional® (RICP®)
• Chartered Federal Benefits Consultant​ (ChFEBC​℠)
• Licensed Insurance Agent​
• Investment Advisor Representative​
• Founder-CEO of LifeTyme Financial Group​
• Million Dollar Round Table Qualifier ​
• US Navy Veteran

Gov/Fed Benefits Training * Workshops * Retirement Consulting * CSRS * FERS * FEGLI * DI * LTC * TSP * Public Pension * 403B

Jim Fenstermacher and his wife Mary Kate are lifelong residents of Pennsylvania. They have been married since 2006 and have four wonderful children (2 boys, 2 girls). Mary Kate has worked in Special Education for over 20 years. The Fenstermacher’s are heavily involved with club and recreational youth sports, are active parishioners of St Eleanor’s Catholic Church in Collegeville, PA and love the outdoors.

Mr. Fenstermacher is a fiduciary-based Financial and Retirement Advisor with 360 Investment & Retirement Advisory, proudly serving the greater Philadelphia area and beyond. Jim has his Series 6, 63, and 65 securities licenses, and the PA Health and Life Insurance license. Jim also holds licenses in numerous additional states across the country. Jim's primary focus is on helping federal employees better understand and maximize their retirement benefits, in order to create the individualized retirement plan they deserve. Along with serving the federal market, Jim also services clients from a wide variety of backgrounds, helping with their Retirement and Financial planning needs.

Jim previously worked as a Financial Advisor with Bankers Life Advisory Services, Bankers Life Securities, and CNO Financial prior to joining 360 IRA. Prior to that, he was an Independent Consultant, and a National Account Manager, where he worked with national brands as well as military bases across the USA. This experience, along with the strong relationships he built, led Jim to have a strong focus of his financial planning practice on directly helping military and federal families prepare and plan for retirement.

CSA, ChFEBC℠

I have had the distinct privilege of assisting hundreds of employees with their retirement planning for quite some time. Many of your co-workers have worked with me to retire well from federal employment. I help federal employees maximize their benefits before and after retirement, as well as maximizing their income in retirement. I am a trusted, reliable resource dedicated to helping you with your benefits.

The decision to retire is one of the most important decisions you will ever make. Making the right preparations now is the key to a solid and comfortable retirement, no matter how far away you are from that season of life. Getting the right advice from the right person is vital to your plans, preparations and long-term happiness with your retirement.

I am a Chartered Federal Employee Benefit Consultant, and this designation means that I have intensely studied the federal benefits programs and perform annual ongoing training and continued education classes to ensure that I always have up to date knowledge. It also means that I am a part of an elite group of retirement and benefit professionals across the country who have pledged to listen and provide guidance that is always in your best interest.

CERTIFIED FINANCIAL PLANNERTM

240-935-9530

zach.payne@planvestfinancial.com

www.planvestfinancial.com/team/zach-payne

Zach is a CERTIFIED FINANCIAL PLANNERTM professional who works closely with public and private sector clients on their retirement planning, tax planning, and asset management needs. Serving clients around the country and in the greater Washington, DC area, Zach creates comprehensive financial and retirement distribution plans utilizing cutting-edge fintech software. Zach most enjoys helping clients envision how their savings and benefits work together to create their own personal roadmap to a rewarding retirement.

In 2019, Zach earned the prestigious CERTIFIED FINANCIAL PLANNERTM certification; and he also proudly holds the designation of Chartered Federal Employee Benefits ConsultantSM (ChFEBCSM). Zach is a graduate of Hood College in Frederick, MD, earning a Bachelor of Arts degree in Business Administration with concentrations in finance and marketing.

Zach is part of PlanVest Financial, an independent Registered Investment Advisory (RIA) firm located in Gaithersburg, MD. PlanVest’s primary niche market is Federal Employees, and Zach enjoys being part of a close-knit alliance of four independent, fiduciary wealth managers. PlanVest custodies client assets at Charles Schwab.

Zach resides near Charles Town, WV with his wife Kirsten, and daughter, Claire. He enjoys Catholicism, homesteading, reading, gaming, weightlifting, and is an avid car enthusiast. Zach is a proud member of the Finance Council of his Catholic Parish, St. James the Greater in Charles Town.

Financial Advisor

716.626.2540

mark.king@equitable.com

350 Essjay Road, Suite 300Williamsville, NY 14221

Mark A. King joined Equitable Advisors, LLC in 2003 following a successful career as a senior executive in the textile industry. Mark graduated from LeMoyneCollege with a BS in Biology and currently holds a Life and Health License, Series 7 and 66 FINRA registrations.

As a financial advisor, Mark is passionate about helping people develop their own personalized financial strategy plans. His supportive approach can help you make well-informed financial decisions. Mark works with federal employees, parents of high school athletes preparing for college, small business owners and families coping with aging parents by assisting them in working toward their financial goals.

Originally from Brooklyn, New York, Mark now resides in the Buffalo area, with his wife of 43 years, three children and four grandchildren. Mark enjoys working on small home construction projects, spending time with his grandchildren, and cheering on his favorite sports teams. He also works tirelessly to eliminate health inequities in Buffalo’s poorest communities.

Mark’s mission is simple: to take the complexity out of planning your goals and show you a more balanced path to reaching and exceeding those goals. He offers an initial no-fee consultation to examine potential clients’ present financial conditions extending into retirement as well as an in-depth interview to uncover unique financial challenges. This will build trust. This ensures your retirement goals are realistic with a commitment to adjusting those stated goals or developing a new financial strategy to achieve them.

For those of you already enjoying retirement, it is more important than ever to properly manage income distribution in this volatile market. A predictable distribution strategy that includes legacy, long-term care and estate planning is critical. Mark’s job is to help ensure that his clients do not run out of money in their lifetime by developing a plan that includes income distribution, wealth transfer and protection of their assets.

Areas of expertise include:

Supplemental Needs

Retirement Planning

Education Funding

Estate Analysis

Business Succession

Life Insurance

Retirement Distribution

Asset Allocation

Ready to take the next steps to secure your financial future? Call today! 716.626.2540

Managing Partner

804-301-4291 (Cell)

Purpose Driven Financial Services Team

Shunsicker@pdfs.education

Stuart is a retirement specialist and federal employee benefits specialist at PDFS. As a VCU-Richmond graduate with a degree in finance, specializing in business, Stuart has seen nearly every side of the financial industry. Early in his career, he worked for smaller firms and oversaw trading and investment portfolios. He also held a Series 24 license and signed off on variable business within the firm. “I wore a lot of hats,” he says. “I focused on the investment side, but when the markets crashed, I took too many phone calls with crying voices on the other end.” Those tough phone calls led him into the insurance side of the business. He now considers retirement his focal point and believes in making sure that each client is prepared for retirement before they move to the next step. With more than 20 years of experience in the financial services industry, he has become an expert at assessing each individual person’s situation and how to best prepare them for retirement.

Stuart is extremely passionate about working with teachers and federal employees, helping them understand the various nuances of their unique retirement needs. His beautiful wife of nearly 20 years, Andrea, is a teacher, so he’s very familiar with the issues they face, and he tends to gravitate toward clients who serve and assist. He has also experienced many of the hypothetical scenarios he raises to clients. What if a spouse passes away suddenly, or what if you’re forced into retirement early? Stuart has been there, and he knows how to navigate those rocky waters with you.

Chris is a seasoned advisor with more than 15 years of experience, dedicated to helping families secure their future. His passion for this profession stems from a deeply personal connection as the grandson of two WWII veterans.

Currently residing in Dana Point, CA, Chris shares his life with his beloved wife, Ashley, and their three adorable dogs - Lilly, Minnie, and Poppy. Beyond his professional pursuits, he actively supports various charitable organizations, including The American Cancer Society, Susan G. Komen, and Bunny's Buddies.

Academically, Chris is an alumnus of the University of Hawaii and the Danish Institute for Study Abroad (DIS). In the financial services industry, he boasts an impressive two-decade track record. His commitment to excellence is evident through his esteemed designations, including CHARTERED LIFE UNDERWRITER® and CHARTERED FEDERAL EMPLOYEE BENEFITS CONSULTANT℠, complemented by a certificate in federal HR Counseling. Moreover, he has successfully completed licenses such as Series 7, 65, 63, and 3, alongside Life & Health licenses, underscoring his expertise as an investment advisor.

Outside of his professional realm, Chris is an enthusiastic fresh water fisherman, relishing his time spent in the great outdoors. This blend of personal interests and professional achievements makes Chris a well-rounded and empathetic advisor, dedicated to serving his clients with the utmost care and expertise.

As financial professionals, husband and wife team Momodou and Josephine Bojang understand the lifelong impact of retirement planning—or lack of planning. Growing up, Momodou watched his family struggle to make ends meet due to a lack of planning for the future. This experience shaped his desire to enter the financial services industry and inspired him to help other families plan for their future success. As a child of immigrant parents, Josephine witnessed firsthand the hard work and long hours that her parents and other family members dedicated to their business with very little time devoted to planning the financial security and future for their family.

Decades of industry experience and knowledge from several leadership positions at prominent regional and international financial organizations led Momodou to form Axiom Value LLC. Josephine decided to join Momodou after several years of working in the financial services industry in various leadership roles to share in their passion of helping others achieve their lifelong financial goals. They have chosen to specialize in working with Federal employees because of their unique planning needs—helping to balance their exceptional government benefits with the rest of their sometimes complex financial picture.

When they are not working, they enjoy spending time with their four children, traveling, and watching their two younger sons play soccer.

About Our Firm

Axiom Value, LLC is a boutique wealth management practice and was specifically formed to serve, advocate and create unexpected value for our clients. We focus specifically on guiding hard-working federal employees and their families to make confident financial decisions so that they can retire happily ever after.

As a leading boutique wealth management practice in the Greater Washington area, we are proud to have partnered with the industry’s leading companies to create value by providing competitive products and top-notch personalized service for our clients.

Our goal is simple—helping our clients make smart choices about their money and to feel confident about their decisions.

To connect with Momodou & Josephine, call them at 240-863-3688, visit their website www.axiomvaluellc.com

Tom A. Tyo is a Southern California native, born and raised in the Los Angeles area. He has always been passionate about sports, particularly soccer, and is an advanced referee with the United States Soccer Federation. Alongside his love for soccer, Tom is an avid fan of the World Series Champion LA Dodgers and enjoys following their games. 

With a keen understanding of the importance of proper planning, Tom has instilled this value in his two children who are currently attending college. He knows firsthand the challenges of managing finances and the need for a solid financial plan to achieve long-term goals.

When he’s not busy working or watching sports, Tom enjoys spending time outdoors. He loves hiking, the beach, dual sport motorcycle riding, and playing golf. He is also an enthusiastic traveler and enjoys exploring new destinations with his better half, Wendy.

Tom earned his undergraduate degree from San Diego State University and later in life obtained an MBA in December of 2013. He has been working in the financial services industry ever since, starting with a fortune 100 company for about four years before joining an independent firm for two years. In April of 2019, he founded Strategic Path Financial Group, LLC, where he serves as the managing partner. 

In October of 2022, Tom earned an additional certification called “Chartered Federal Employee Benefits Consultant” (ChFEBCsm), which qualifies him to help federal employees with their retirement plan. This specialized knowledge and expertise with the federal employee retirement systems takes into account the unique benefits that are only available to this workforce.

As a retirement planner, Tom is committed to providing personalized financial advice and guidance to help clients achieve their financial objectives. He takes the time to understand each client’s unique needs and creates customized plans to help them achieve their goals. With a passion for helping others achieve financial security and success, Tom is a trusted advisor to many across California, Washington, and Nevada. 

Call or text him today at (805) 267-9294 or schedule an appointment to connect https://calendly.com/retire-better

Check out our video testimonial here https://vimeo.com/790489167 or read some clients google reviews here:

★★★★★ 5 months ago

I recently had the good fortune to have Tom and George assist me with some retirement planning. They were knowledgeable, accessible, responsive, trustworthy, and spoke a financial language that I could understand and that didn’t overwhelm. These guys had some really helpful ideas that will be beneficial to, and will help me achieve, my retirement objectives. Can't recommend Strategic Path Financial enou

★★★★★ 2 years ago

My wife and I are very impressed with our experience with Strategic Path Financial Group. Tom and George were very patient and willing to meet with us several times until we fully understood the plan, they had for us. They were very professional and mapped out a strategic retirement financial plan that put us on a clear path to the comfortable retirement we had always hoped to achieve. Thanks guys!!

Mobile: 205-213-1309

Office: 334-777-6193

Marcus J. Williams has worked in the insurance industry for over twenty years and has made it his life's mission to educate and assist families with making healthy financial decisions. He has spent the last couple of years honing his knowledge of federal benefits and retirement planning. 

His professional motto is:

“A knowledgeable client is a happy client.”

Marcus resides in historic Selma, Alabama, with his wife and is the proud father of two U.S. military service members. He enjoys fishing and watching movies with his wife in his spare time.

Licensed with OneAmerica, series 6,63, Marcus also holds the LUTCF and FSCP Designations from the American College.

Marcus is also a Chartered Federal Employee Benefits Consultant®, ChFEBC® and is now certified to assist with federal retirement paperwork processing.

Financial Advisor

301-327-5312

mikescarborough@oakwealthpartners.com

Office Locations:

22738 Maple Rd. Suite 105 Lexington Park, MD 20653

10735 Town Center Blvd. Suite 4 Dunkirk, MD 20754

Dr. J. Michael Scarborough is President and CEO of both Retirement Management Systems, Inc. (RMS) and Oak Wealth Partners, Inc. (OWP). A pioneer in retirement investment strategies, Dr. Scarborough is best known for revolutionizing how millions of Americans now save for retirement. Underscoring the extraordinary success of his investment approach, Scarborough built one of the largest grossing Registered Investment Advisory (RIA) firms in the nation, Scarborough Capital Management (SCM). When he sold SCM in 2008, the business had grown from nothing to a firm managing nearly $1.3 billion in assets. 

Today, Mike continues to own and operate Retirement Management Systems (RMS), a leader in the 401(k) industry and is applying the lessons of a successful 40-year investment career to his newest venture – Oak Wealth Partners, Inc. (OWP). 

Through Oak Wealth, Mike continues to help people realize their dreams of retiring with financial security. However, this time, he is delighted to share his knowledge and experience with his son Matthew, who shares his father’s passion for helping people empower themselves through financial freedom. As a fiduciary financial advisor, Mike values transparency and open communication and he makes educating his clients a top priority. He understands better than most the value of researching and understanding investments and investment behavior.

In fact, Mike and his team from Scarborough Capital Management were the lead researchers for Dr. Richard Thaler of the University of Chicago on his 2018 Nobel Prize-winning work on changing savings habits in qualified retirement accounts.

Mike has appeared on several television networks and has been featured in print media and national publications, including Kiplinger’s Personal Finance Magazine, Money Magazine, Pensions & Investments, USA Today, and The Wall Street Journal. Mike has written three books available on Amazon.com – The Scarborough Plan: Maximizing the Power of Your 401(k), 401(k)nowledge: Practical Advice for Retiring on your Own Terms, and his newly released book titled Ensuring Retirement is the Best Part of Your Life; Making the Most of Your 401(k) and Other Plans. His books provide easy to understand recommendations on strategies to improve the performance of hard-earned savings. 

Outside of work, Mike is active on the Board of Trustees at Salisbury University Foundation where he created an endowment establishing the Scarborough Student Leadership Center. He earned a Bachelor of Science in Finance at Salisbury University and his MBA in Finance from Baldwin-Wallace College. In 2005, he was awarded an Honorary Doctorate for Public Service from Salisbury University and in 2011, Mike was inducted into the Salisbury University Hall of Fame for wrestling and football.

Mike enjoys fishing, hunting, and spending time on his farm vineyard, Running Hare. Through Running Hare Vineyard, he donates to many charities, including the local homeless shelter, hospice and pet rescue organizations. Other hobbies include cooking, especially making gourmet cheese and homemade sausage. Mike enjoys entertaining his friends, family, co-workers and clients at his home and on his boat in Southern Maryland.

Tim and Julie Sullivan serve as financial professionals who believe their success is based on the continued satisfaction of their clients. They strive to think outside the box to assist both current and future retirees in navigating the complex maze of choices in financial and comprehensive retirement planning.

Tim Sullivan is a fiduciary investment advisor who has established himself as a credible educator and author. He believes in working closely with his clients to develop a deep understanding of what they want and need and understands that because every client is unique, their financial plan must be equally distinct. Tim’s goal is to provide personalized financial services that educate and engage his clients while keeping their interests and goals in mind. 

Tim and Julie are designated National Social Security Advisors, NSSA® and Chartered Federal Employee Benefits Consultants, ChFEBC℠

Julie Sullivan earned a master’s degree in business from Oakland University, and as a financial professional, is committed to lifelong industry learning. She values developing meaningful connections with her clients to understand every aspect of their financial lives so they can live their best life. Julie has a passion for helping her clients achieve their financial goals and helping them understand what it will take to achieve them.

Tim and Julie value investing time in their family of five. Outside of work, you can find the couple mastering the art of healthy cooking with their kids, celebrating special occasions, playing sports together in the backyard, or enjoying the lake life with boating, fishing, and tubing. 

President

732.702.2600 / 800.570.0720

rich@braviasfinancial.com

BraviasFinancial.com

33 Wood Avenue South, 6th Floor Iselin, NJ 08830

112 W. 34th Street, 18th Floor New York, NY, 10120

110 South State Street Newtown, PA 18940

Rich Zeitz is the Founder and President of Bravias Financial, and best-selling author of “Plan Smart, Retire Right: A Common Sense Approach to a Stress-Free Retirement”. He is a graduate from Penn State University and a veteran in financial services since 1994. As a proud member of the National Ethics Association, his firm is built on the foundation of trust, integrity, and

best practices. He has become a thought leader in the industry having written guides and articles focused on retirement planning strategies, and has been seen on US News and World Report, Investopedia, Yahoo! Finance, The Street, MarketWatch, ABC, CBS, FOX, NBC and The National Financial Educators Council, to name a few.

Rich specializes in developing financial strategies that help clients create a reliable lifetime income stream they can’t outlive, while working towards growing and protecting their investments along the way. He has always believed in helping his clients make well-informed decisions, allowing them to better understand and control their financial situations. He frequently speaks to various organizations about wealth management and retirement readiness, and he also invests time mentoring and educating other financial advisors across the

country, sharing his philosophy and approach.

Rich holds the prestigious Chartered Federal Employee Benefits ConsultantSM designation – a designation for retirement planners who focus their practice on the Federal market. The Federal benefits and retirement market requires ongoing training and constant updating as benefit regulations shift, and it demands even more expertise from planners to incorporate these benefits into a comprehensive and holistic retirement strategy. He provides thorough financial education and guidance to federal employees in all aspects of their career, and advises them on how to reach their retirement goals within the federal benefits system.

His firm, Bravias Financial, remains completely independent and represents their clients rather than any particular company. “Bravias is not owned by a bank, brokerage firm or insurance company. This independence allows us to work in a conflict-free environment and do what we feel is best for each client. This is vital to delivering objective and unbiased advice.” He built Bravias Financial in 2008 to help guide investors on their path towards financial security and independence, because he felt that everyone deserves a secure, independent retirement.

Away from the office, he serves the community by volunteering with the American Cancer Society and the American Diabetes Association. On a personal level, Rich resides in Brighton Beach, Brooklyn with his wife Ally, and their daughter Emily. When he’s not working, he enjoys Broadway shows, traveling with the family, golfing, fishing, or watching his beloved Philadelphia

sports teams attempt to put together a championship season.

William “Bill” Kumpe is a Senior Financial Advisor at 360 Investment & Retirement Advisory. He holds his Series 65 Securities license, which designates him as an Investment Advisor Representative, and he is a licensed Health and Life Agent. Additionally, Bill is a licensed attorney in Missouri and Tennessee.

Prior to entering the investment industry in 2018, Bill served for approximately 24 years as a Federal Administrative Law Judge for the Social Security Administration where he decided cases for both Social Security and Medicare Benefits. He also is a retired Colonel from the United States Army Reserve.

Bill graduated from Tennessee Technological University with a Bachelor of Science in Business Administration with High Distinction in 1978 and his Juris Doctorate from the University of Memphis in 1981. Also, Bill graduated from the Air War College as an Outstanding Graduate in 2004. 

For more than 30 years Josh has been assisting clients with their financial planning needs. Because of Josh’s diverse background he can bring a unique perspective to your unique personal planning situation that will help you achieve your goals. Josh is the owner and president of Kompass Financial Advisors, Inc.

Raised on a farm in southwest Nebraska, Josh learned the values of hard work, honesty and personal initiative through his parents, teachers and coaches. Those values serve him and his clients well today.

Away from the office, Josh volunteers at his church, and is an avid cyclist. He has held various leadership positions with the local chapter of ChristianCycling.com. Being a diehard Husker fan he also enjoys sports, as well as woodworking, reading, writing, and spending time at the family farm.

Education: 

Bachelor of Science Degree • Agricultural Economics, University of Nebraska

Certified Financial Planner™ • Certified Financial Planner Board of Standards, Inc.

Chartered Federal Employee Benefits Consultantsm

Chartered Life Underwriter • American College

Life Underwriting Training Council Fellow • American College

Kompass Financial Advisors, Inc. 

Kompass Financial Advisors is an independent insurance agency and Registered Investment Advisory firm. Because of our independence, we are able to provide a wholly objective viewpoint to your specific situation and apply an array of tools that can be utilized to customize plans to achieve your goals. Our purpose is to help people properly plan their future through a hands-on, consultative approach.

Researching the marketplace for the best concepts, product features, service and price is our job. We’ll do the research and legwork, thereby relieving you of this burden so you can focus on the other pressing matters of life.

Regular reviews are performed to insure that you are positioned to maximize the marketplace based on your goals and objectives. Whenever changes are made, they are clearly communicated.

In today’s highly complex world with a myriad of financial information available, Kompass Financial Advisors brings experience, knowledge and understanding to your planning needs. Our clients have benefited from the profitable insights and ideas we have been able to provide. We welcome the opportunity to do the same for you.

Services Include 

Investment Planning    Retirement Planning    Insurance Analysis

Estate Planning Cash Flow Analysis Financial Planning 

Products Include 

Investment Programs/IRAs

Annuities

Life Insurance

Long-term Health Care Insurance

Income Protection Insurance

Health Insurance 

Wauneta, Nebraska & Englewood, Colorado

 EM: jt@kompassfinancial.com   PH: 888-770-0004

Mobile Phone: 503-997-2730

Email: Charles.Haugh@CeteraWealth.com 

Address: 9900 SW Greenburg Road. Ste 275 Charles.Haugh@CeteraWealth.com Tigard, OR 97223

Office Phone: 503-382-8368

Charlie Haugh obtained his BA/Economics from Stanford University and his MBA/Finance from the Wharton Graduate School of Business at the University of Pennsylvania.

Charlie has worked with hundreds of federal employees over fourteen years with their financial planning, retirement planning and investment management. He is an Investment Advisor Representative with Cetera. He has obtained the Chartered Federal Employee Benefits Consultant designation.

Charlie is a principal in the independent financial services firm, Martin Haugh Financial - an ensemble of experienced financial professionals in Portland, OR.

Prior to Martin Haugh Financial, Charlie started development firm, Holt & Haugh, Inc., a real estate development business. As CFO and co-principal, he developed a 125-acre mixed-use project in Oregon called Fairview Village, which earned a national award from the Urban Land Institute.

Charlie is married with three grown children. He serves on the board of the Phoenix Program, a charity that focuses on helping high school students graduate from high school. He has been a member of the Portland Rotary for over 25 years.

The individual whose biography is attached is the sponsor of today’s meeting. At the conclusion of the meeting you will have an opportunity to complete a seminar evaluation. On this evaluation there will be a question regarding whether or not you would like to be contacted by this representative for a free, no obligation financial consultation or retirement assessment. If you check this box or provide contact information, the representative sponsoring this seminar will be in contact with you.

Securities and advisory services are offered through Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA/SIPC, a broker-dealer and registered investment adviser. Cetera is under separate ownership from any other named entity. CA Insurance License #0D82142.

Financial Planner, Registered Principal

Office Phone: 650.390.5074

Mobile Phone: 408.515.1932

Fax: 408.716.2769

Address: 800 W. El Camino Real, Suite 180

Mountain View, CA 94040 Email: matthew@AthenaWM.com Website: www.AthenaWM.com

Matt believes that the combination of continuous comprehensive financial planning and an objective, low-cost approach to investing is necessary in today’s world of boiler-plate advice, proprietary products and high-cost investing.

Matt has over a decade of experience in financial services. He began his career in 2007 in Taiwan as a consultant for Taiwanese investment firms. Matt then spent three years in the back-office of a California-based registered investment advisor where he focused on helping expand and improve the institutional investment capabilities of the firm. Next, he worked at BlackRock where he helped investment professionals construct and maintain institutional investment portfolios. Matt then started Athena Wealth Management with the mission of bringing institutional quality investing and advice to individual investors.

As a fiduciary financial planner and Chartered Federal Benefits Consultant, Matt seeks to empower federal employees to make well-informed financial decisions in confidence.

Jennifer Akins originally became interested in learning more about federal employee retirement benefits because she is the spouse of a federal employee. Being in the financial planning business and wanting to plan for her own financial future, she found it very difficult to get answers regarding her husband’s federal benefits from his human resources department. She also found that his coworkers were having the same problem. They knew she was in the business and started asking a lot of questions in hopes of finding the right answers. Rather than muddling through the vague information from the back office, she decided to become her own expert in the field and earn a certification with extensive training in federal employee retirement benefits.

Federal employee retirement benefits is just one of the many areas of planning expertise held by Jennifer Akins. She is not just a planner; she is a CERTIFIED FINANCIAL PLANNER™ practitioner, which is the most rigorous, prestigious and comprehensive financial planning certification in the industry. This background allows her to complete a cohesive plan for an individual’s financial future, tying in all areas of planning including investments, insurance, retirement planning, taxes and estate planning. 

Jennifer Akins has been in the business for over 17 years and truly loves her job. She enjoys building relationships with her clients and their families, assisting them in organizing their financial lives, and helping them achieve financial confidence to work towards their goals. 

Outside of work, Jennifer enjoys spending time with her husband, visiting with friends, attending live theater shows and music events, traveling, and scuba diving.

James H. Johnson (Jim), ChFC, ChFEBC℠, president of Sound Investment Strategies, Inc., is a financial educator and registered investment advisor. His expertise is in developing strategies that provide safety as well as growth in very uncertain times. 

After earning a B.A. in chemistry and psychology from Tabor College, Jim went on to graduate studies in counseling at Kansas State University. He has a ThM from Dallas Theological Seminary and was in the ministry for 20 years. In 1989, he transitioned to financial services, helping people prepare for retirement. In the last 24 years, he has continued his studies, becoming a senior advisor and earning designations as a Chartered Financial Consultant and a Registered Investment Advisor. In 2010 he began to focus on service to Federal Employees and became a Chartered Federal Employee Benefits Consultant.

Jim spends part of every week in ongoing independent studies on the U.S. and world economy and the market. Personal finance and retirement planning are not simple concepts. Jim's goal is to reduce these complex concepts into simple-to-understand strategies. He helps to identify areas where people might be vulnerable and gives information needed to prepare for a more comfortable retirement. 

Jim and his wife, Mary, have four children and five grandchildren.

Scott Gorham is a Chartered Financial Consultant® (ChFC®). Scott has completed one of the most extensive educational program required for any financial services credential. Each ChFC® has taken eight or more college-level courses on all aspects of financial planning from The American College, a non-profit educator with the highest level of academic accreditation. The average study time for the program is over 400 hours and advisors frequently spend years earning this coveted distinction.  Each ChFC® must also complete a minimum of 30 hours of continuing education every two years and must meet extensive experience requirements to ensure that you get the professional financial advice you need.

Scott is a Chartered Life Underwriter® (CLU®). CLU® is the  premier designation for insurance professionals. Launched in 1927, the Chartered Life Underwriter® (CLU®) is the insurance profession’s oldest standard of excellence. Today, it continues to be the credential for practitioners who desire to provide their clients with the security of life insurance and risk management. Since its inception, tens of thousands of financial services professionals have obtained this prestigious designation. With particular emphasis placed on ethics and commitment to clients, the CLU® has earned a distinguished reputation backed by security and stewardship.

Scott is also a Chartered Federal Employee Benefits Consultant (ChFEBCSM) . This professional designation is earned after completing a rigorous course and test that demonstrates a thorough understanding of the unique Federal Employee benefits.

Scott offers comprehensive financial planning.

Gorham Wealth Management, LLC is an independent Registered Investment Advisor in the state of Colorado. Scott offers his clients financial planning and asset management utilizing Third Party Asset Managers. As a fiduciary, Gorham Wealth Management, LLC is legally obligated to put our clients’ interests first.

Insurance products including Life Insurance, Long Term Care Insurance, Fixed and Fixed Index Annuities are offered through Gorham & Associates, LLC. We are contracted with some of the leading Insurance and Annuity companies available.

Gregory W. Lawrence, CFP® President & founder of Lawrence Legacy Group, LLC. in Estero, Florida.

He has 40 years of experience in the financial industry and was previously a Senior National Sales Director with Primerica/ Citigroup, owner of Estate Planners of New England a Registered Investment Advisory Firm in Windham, NH. 

He is a Certified Financial Planner®, a Chartered Federal Employee Benefit Consultant™ , holder of multiple financial designations, and attended St. Anselms College and Merrimack College. 

He and his wife Elaine, an RN, have been married for 40 years and have 3 daughters and 3 sons living in 4 states and 3 grandchildren. He loves spending time with his family, hiking, fishing, football, bird watching, traveling, movies and gardening. He is a member of Our Lady of Light Parish in Estero and he contributes to multiple local, national and international charities especially those dedicated to feeding the poor both. 

Personal Motto: “Doing Good with your money is more priceless than Gold.”

Robert I. Sandberg

CERTIFIED FINANCIAL PLANNER®, MS

Chartered Federal Employee Benefits Consultant (ChFEBC℠)

Freedom Point Financial

10808 S River Front Parkway, Suite 375 South Jordan, UT 84095

801-984-8066 Phone

rob@freedompoint.net

A resident of Lehi Utah, Rob is happily married to his wife Stephanie of 21 years and has three wonderful children—Jessica (20), Dallin (18), and Eliza (16). Rob has lived on the Wasatch Front for the last 28 years and loves to explore the area to find new adventures.

During his spare time, Rob enjoys mountain biking, skiing, and coaching for his kids’ sports teams. He also enjoys vacationing with his family and volunteering in the local community.

As a financial professional, Rob sees the lifelong impact of retirement planning—or lack of planning—every day. He has served the needs of his clients for nearly 22 years and feels blessed to be able to help people plan for the days when they don’t have to work.

Rob has chosen to specialize in working with federal employees because of their unique planning needs, which include balancing their exceptional government benefits with the rest of their sometimes-complex financial picture.

Through extensive training, Rob has learned the particulars of the various federal benefit programs and helps federal employees to make the most of those benefits—both while working and in retirement.

FINANCIAL ADVISOR

1000 Fourth Street, Suite 580 San Rafael, CA. 94901

Phone: (415) 789-3700 ext.101

Jay Brown is a financial advisor who specializes in working with people retired or nearing retirement. Jay has been providing investment advice and serving Bay Area residents for over 40 years. His planning process starts with an in depth analysis of a client’s goals and objectives. After an evaluation, Jay makes recommendations and works with his clients to implement a financial plan. The end result is to assure the client’s financial plan meets his or her goals. Mr. Brown works mostly on a referral basis, with satisfied clients recommending his services to others.

Jay has an extensive network of experts on his team to assist his clients to navigate through the complexities of their financial and estate planning needs. Jay’s passion in his work is evident; to help solve the many financial and emotional issues that pre-retirees and retirees encounter. Some of the professional services and planning strategies covered are: Asset protection, capital preservation, income distribution, required minimum distributions and estate planning.

Jay is an Investment Advisor Representative, and holds the Series 6 Securities License, the California Life and Health License, as well as the Series 65 Investment Advisors License. His practice has thrived, and Jay is fortunate to help an ever increasing number of people every year.

Mr. Brown is involved in a number of community events. He is a member of the Local Chamber of Commerce and has been the president and long term member of two different Toastmasters organizations in the area.

Office: 978.772.2156

Fax: 413.254.9735

Email: planning@craigduvarney.com

Address: 233 Ayer Road, Suite 211, Harvard, MA 01451

For more than two decades, Craig DuVarney has brought a unique combination of determination and success to his career as a Certified Financial Planner. While in junior high school, Craig realized that he wanted to become a financial planner and that he would need a way to pay for his education. The solution was Tri-State Sportscards, a baseball card business started by Craig and his father. Craig graduated with honors from Babson College as a double major in Investments and Economics, and the profits from his business paid for over 60% of his college education.

Upon beginning his career, Craig quickly established himself as a rising star. He was selected 1999 Rookie of the Year by the Worcester Association of Life Underwriters for outstanding achievement in the insurance industry. For over a decade Craig has been one of only a few Certified Financial Planners in New England that is also a Chartered Federal Employee Benefits Consultant (ChFEBC). Craig was ranked #63 on Rep magazine's 2014 list of the "Top Next Gen Independent Broker-Dealer (IBD) Advisors". In 2015 through 2019 Craig was a member of the Royal Alliance "Royal Council" and in 2020 became a member of the "Royal Court". In both instances, Craig was one of Royal Alliance's top 120 advisors nationwide, based upon his production in each of the prior years.

Craig is passionate about financial planning and has engaged in a variety of speaking engagements and interviews. For the past fifteen years, Craig has been a guest professor in the Boston University CFP Program, educating future financial planners. Craig has also spoken to the Boston Office of the U.S. Department of Labor, the Professional Airways Systems Specialists of New England (PASS), Framingham State College, Brandeis University, and the Whittier Rehabilitation Hospital. The Financial Planning Association asked Craig to speak at their 2009 Business Solutions Conference in Chicago, IL in a session about how he has used technology solutions to build his office infrastructure. He has also been quoted in a dozen different publications, including the Wall Street Journal, Boston Globe, SmartMoney Magazine, Investment News, and Financial Advisor Magazine.

In 2020 Craig returned to Babson College to educate students about financial planning, both as a mentor and a speaker. He has been a guest lecturer in the undergraduate and graduate-level Personal Finance classes, and has served as a judge for the undergraduate student final presentations. In the Fall of 2020 Craig was also asked by the Babson College Cutler Investment Center to give a presentation to students on the Financial Planning career path.

Most revealing about his professionalism, dedication, and quality of service is the fact that the majority of Craig’s clients have been with him for over a decade, and are referrals from existing clients or other professionals. Craig attributes his success in business to his strong work ethic and the values instilled in him by his parents.

When Craig’s not working, he enjoys hiking the New Hampshire 4,000 footers and spending time with his wife Joanne and two children Sam and Jill.

Elva Newcomer-Kocher is the owner of Newcomer Solutions, and focuses on meeting the needs of seniors. She is a Certified Senior Advisor (®) and is Certified in Long Term Care. In addition she is Chartered Financial Consultant (ChFC®), and a licensed health and life agent in the states of Pennsylvania and Ohio. 

Before starting Newcomer Solutions, Elva worked ten years as an associate underwriter in the auto underwriting department.at Erie Insurance. It was at this time she earned her Certificate of General Insurance through the American College. Later in her career she worked for another insurance company in sales. She had advanced to a management position when she left to start her own company.

Having a dedication to community involvement, she is on the board of directors of two non profits in Erie, and holds an advisory position on another. Currently, she is advising on the founding of a new nonprofit in the community. She was formerly the finance director of the Greenville Symphony Orchestra.

Newcomer Solutions offers Medicare options, life insurance and long term care options to best fit each clients individual needs. Fixed annuities are also offered. For those who need assistance with retiree group insurance, Medicare counseling is offered as well. Elva networks closely with reputable elder law attorneys, accountants, and other financial advisors in the community in order to best provide solutions to the myriad of issues any retiree faces. With her background with seniors, she has been able to offer insight and customized resolutions for the federal employees she deals with.

Anne Clayton is the founder and owner of Anne Clayton Financial Strategies. As a Certified Wealth Strategist®, Anne focuses on forming deep and meaningful relationships, measuring success against the client’s goals rather than arbitrary market benchmarks. She follows a holistic approach that takes into account the client’s entire financial picture to help connect their goals with a concrete plan to achieve them.

Anne got her start in the financial industry through banking, where she learned the loan process and helped get a new bank branch off the ground. While in banking, Anne discovered that many families in rural communities don’t have easy access to professional financial advice. To fill that service gap, she took a leap of faith and switched careers in 2004.

Determined to succeed, Anne leaned on the relationships she developed during her banking career as well as her “outside the box” thinking to build her financial services practice one client at a time. She runs her practice by treating people the way she likes to be treated, a lesson she learned early in life from her father.

In 2010, Anne became an independent professional to broaden the pool of products and services she is able to provide. As an independent professional, Anne is not an employee of an investment or financial services firm. She is an independent business owner and has the freedom to structure her business in a manner that best serves her investing clients.

Anne and her husband, Matt have two sons, Blake and Bryce. They enjoy raising and showing sheep as a family.

Securities and financial planning offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC.

Gregory Guenther, CRPC® & ChFEBC℠

Fiduciary Financial Planner

Chartered Retirement Planning Counselor

Chartered Federal Employee Benefits Consultant

Financial Planning Expertise

Greg is an independent financial planner with a special emphasis on comprehensive financial and retirement planning for Federal Employees. Greg began his career in the Private Wealth Division of Smith Barney and prides himself on maintaining a pulse on advanced retirement planning solutions. Greg holds a Chartered Retirement Planner Counselor Designation, Chartered Federal Employee Benefits Consultant Designation, Series 7, 63 & 65 licenses, as well as life & health insurance licenses. Through this broad range of expertise, he has the ability to understand his client's unique financial planning needs.

He enjoys collaborating with clients to design, implement and monitor customized planning strategies. Greg earned his CRPC® designation from the College for Financial Planning and graduated from Providence College with a B.S. in Finance. He is a lifelong resident of New Jersey having graduated from Christian Brothers Academy and currently resides in Monmouth County, NJ with his wife and two daughters.

Interesting facts about Greg

Greg is an avid traveler and adventure seeker. He truly enjoys helping family, friends, and clients to plan for their big travels. He counts among his favorite adventures, climbing Mount Kilimanjaro in Tanzania, diving with large sharks in the waters of the Pacific, walking with wild lions in South Africa, and most recently, trekking the Inca Trail and climbing the Old Mountain of Machu Picchu in Peru.

Above all, Greg is a devoted family man. He is married to the love of his life, Ana, a research scientist originally from Sao Paulo, Brazil. She shares Greg’s love for adventure and exploration, and they are forever planning their next excursion. They plan to raise their daughters in their footsteps, being a child of God and the World.

You may contact Greg for a complimentary meeting.

Gregory@GRANTvest.com

732-970-6659

www.GRANTvest.com

I am affiliated with Cambridge Investment Research as my Broker Dealer.  I have Been a Financial advisor since 2001. I am located In Harford County Maryland  servicing Aberdeen Proving Ground and other surrounding areas. I am currently licensed in Maryland, PA, WA, DC, GA, NC, SC, AL,AZ, FL,OH,

I offer my clients written comprehensive financial plans encompassing their long and short term goals for themselves and their families, as well as long term care. My entire career has been with focusing on Active Duty and retired military, Federal employees both GS an NAF and government contractors.

I am dedicated to the long term success of my clients.

I enjoying working with families to help them realize their goals to fruition and then working with their children to help the with their goals

MS-Financial Planning, CFP®, ChFC, CMFC®, ChFEBCSM, CRPS®, AWMA®, AAMS®

Founder and CEO, CFS 

Wealth Advisor, RJFS 

Cornerstone Financial Solutions

www.mycfsgroup.com • info@mycfsgroup.com 

7408 S. Bitterroot Pl., Sioux Falls, SD 57108, 605-357-8553

280 Dakota Ave South, Huron, SD 57350, 605-352-9490

Cornerstone’s Founder and CEO, Gordon Wollman, has been helping people plan, pursue and achieve the goals they have for themselves and their families for over 25 years. Gordon grew up helping his dad on the family farm near Huron, South Dakota. After high school, he went to basic training, both to serve our country and to help pay for college. While attending South Dakota State University to earn his degree in mechanized agriculture with a minor in agronomy, Gordon went through officer candidate school and stayed connected to the farming community by running a custom hay bailing business on the weekends. 

Unfortunately, Gordon’s father was diagnosed with cancer and passed away in 1989. As a newly married, recent college graduate, Gordon moved back to the farm and tried to make a go of it, living with the same grit and discipline his father had. Gordon found that he welcomed the challenge of handling the estate and helping his mother get back on her feet, and that experience made him realize how important it is to have a financial plan. After about three years of farming, he decided to change his career path. 

At the urging of a family friend Gordon obtained his Series 6 & 63 and insurance license and began working with an insurance company. But he soon realized that insurance was just a piece of the puzzle regarding comprehensive financial security, and that he could better help clients if he had a broader range of investment tools and education. So, he jumped in to learn everything he could, obtaining his CERTIFIED FINANCIAL PLANNER™ certificate and eventually earning his Master’s Degree in Financial Planning. 

Gordon served thirteen years in the SD Army National Guard, resigning his commission in 1998. He has been ranked on Barron’s Top 1,200 Financial Advisors list twelve times since 20091, Forbes’ Best in State Wealth Advisors list five times2, and the Financial Times FT 400 Top Financial Advisors in 2018 and 20193. 

From offices in Sioux Falls and Huron, South Dakota, Gordon and the team of wealth advisors at Cornerstone provide integrated, comprehensive financial planning for hard-working individuals from the Midwest and around the country. The Cornerstone Experience™, our multistep financial-planning process, helps you answer questions like, “When can I retire?” and “Am I invested appropriately?” Working together, you’ll begin to understand where you are now and where you want to go, then plan and make decisions that will help you take care of the people you love, enjoy the activities that are important to you, and contribute to the causes you care about.

Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC. Investment advisory services are offered through Raymond James Financial Services Advisors, Inc. Cornerstone Financial Solutions, Inc. is not a registered broker/dealer and is independent of Raymond James Financial Services. Raymond James does not provide tax or legal services.

Rankings and awards were won by Gordon Wollman, Founder & CEO, CFS | Wealth Advisor, RJFS. These rankings and awards may not be representative of any one client’s experience, are not an endorsement, and are not indicative of future performance. Neither Raymond James nor any of its Financial Advisors pay a fee in exchange for these awards/ratings. Raymond James is not affiliated with Barron’s, Shook Research, Forbes, Financial Times, or Ignite Research. Investment performance is not an explicit component because not all advisors have audited results and because performance figures often are influenced more by clients’ risk tolerance than by an advisor’s investment-picking abilities.

Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved. The rankings are based on data provided by over 6,186 individual advisors and their firms and include qualitative and quantitative criteria. Factors included in the rankings: assets under management, revenue produced for the firm, regulatory record, quality of practice and philanthropic work. Investment performance is not an explicit component because not all advisors have audited results and because performance figures often are influenced more by clients’ risk tolerance than by an advisor’s investment picking abilities.

The Forbes ranking of Best-in-State Wealth Advisors, developed by SHOOK Research, is based on an algorithm of qualitative and quantitative data. Those advisors that are considered have a minimum of 7 years of experience, and the algorithm weighs factors like revenue trends, AUM, compliance records, industry experience and those that encompass best practices in their practices and approach to working with clients. Out of approximately 34,925 advisors nominated by their firms, more than 6,5500 advisors received the award. . Please visit https://www.forbes.com/best-in-state-wealth-advisors for more info. Source: Forbes.com. As of 4/7/22

The FT 400 was developed in collaboration with Ignites Research, a subsidiary of the FT that provides specialized content on asset management. To qualify for the list, advisers had to have 10 years of experience and at least $300 million in assets under management (AUM) and no more than 60% of the AUM with institutional clients. The FT reaches out to some of the largest brokerages in the U.S. and asks them to provide a list of advisors who meet the minimum criteria outlined above. These advisors are then invited to apply for the ranking. Only advisors who submit an online application can be considered for the ranking. In 2019, roughly 960 applications were received and 400 were selected to the final list (41.7%). The 400 qualified advisers were then scored on six attributes: AUM, AUM growth rate, compliance record, years of experience, industry certifications, and online accessibility. AUM is the top factor, accounting for roughly 60-70 percent of the applicant’s score. Additionally, to provide a diversity of advisors, the FT placed a cap on the number of advisors from any one state that’s roughly correlated to the distribution of millionaires across the U.S.

Patti L. Lerch is a financial educator in Northern Virginia. Her informative retirement workshops have been requested and attended by both CSRS & FERS Federal Employees, Military Retirees, Federal Contractors, Teachers and County Employees in the VRS System, as well as Law Enforcement Officers.

Certifications:

National Institute of Certified Estate Planners (CEP®, MCEP®): 

With 9 years of experience working with a network of attorneys nationwide to assist clients in coordination of their legal documents, Ms. Lerch is extremely knowledgeable concerning planning for, and efficient distribution of, assets to heirs. Ms. Lerch attends, and has taught at, The Advanced Estate Planning Conference annually.

Certified Financial Fiduciary (CFF®):  

As a Certified Financial Fiduciary, and a charter member the National Association of Certified Financial Fiduciaries, Ms. Lerch adheres to the CFF Code of Conduct and the strict guidelines of the NACFF, and is required to give you advice that is in your best interest, not her own, practicing the Duties of Loyalty, Good Faith, Good Care for her clients, educating them first, using a Holistic Approach, with full disclosure, comparisons of suggested products, full confidentiality and adhering to strict professional practice management. (https://nationalcffassociation.org)

Certified in Long Term Care (CLTC®):  

Ms. Lerch is uniquely qualified to advise clients on Medicare, Medicaid, Long Term Care coverage, and other alternative planning strategies for incapacitation.. Focusing on “hybrid solutions”

IRA Specialist : 

Receives intense, advanced ongoing education in IRA Distribution, to ensure their knowledge is up-to-date with current laws, participating in email alerts and teleconferences on the latest changes to IRA tax laws.

Chartered Federal Benefits Consultant® ChFEBC® :  

Ms. Lerch is certified in Federal benefits, studies updates annually, and is tested on her knowledge. (http://chfebc.com/ )

National Ethics AssociationTM: By joining the National Ethics Association (NEA)

Ms. Lerch has placed herself in a position of scrutiny. She encourages due diligence of consumers, rather than hiding from it. To view her National Ethics Association Member’s Profile (visit www.ethics.net.)

Investment Advisor Representative and Insurance Licensed

Expertise:

Ms. Lerch creates Life Income-Living Asset Cycle (LI-LACSM) plans to replace or supplement income, while reducing exposure to market losses. This plan is customized according to each individual’s need and risk tolerance, planning for tax efficient income and inflation. In addition, Ms. Lerch provides a comprehensive, yet simple to understand, Family Contingency Plan (a retirement “road map”) for each unique situation, pre-planning for incapacitation, loss or reduction of Pension and/or Social Security Income due to loss of a spouse, etc. As an IRA Advisor Ms. Lerch provides a Comprehensive IRA Plan to maximize your IRA, minimize taxes and pass it efficiently to your heirs. Finally, a Comprehensive Estate Plan will help pass your estate quickly and tax efficiently to your heirs. If you attend one workshop this year looking for ways to protect your capital, don’t miss Patti Lerch’s workshop!

Background:

Ms. Lerch is a Retired Verizon Outside Plant Engineer, and a Graduate of Mary Washington College in Psychology.

Current Companies: 

Ms. Lerch is an Advisor of two affiliated firms, GuidedQuest, LLC, a Virginia Licensed Registered Investment Advisory Firm, and Hartquist & Noblet, LLC, an insurance licensed firm that also provides Estate Planning coordination and assists in Estate Settlement.

Ms. Lerch can be reached at:

(540)659-0300 or support@retirementsolution4you.com

The information included in this presentation, is intended to assist you with your tax planning, but is not intended as tax advice. If you have specific questions regarding your personal tax situation, you should consult an accountant who specializes in tax issues and advice.

Nora L. Hartquist is a financial educator in Northern Virginia. Her informative retirement workshops have been requested and attended by both CSRS & FERS Federal Employees, Military Retirees, Federal Contractors, Teachers and County Employees in the VRS System, as well as Law Enforcement Officers. Ms. Hartquist has taught retirement classes at both Mary Washington and George Mason University in Virginia.

Certifications:

Certified Estate Planning Professional (CEP®):

With 17 years of experience working with a network of attorneys nationwide to assist clients in coordination of their legal documents, Ms. Hartquist is extremely knowledgeable concerning planning for, and efficient distribution of, assets to heirs. Ms. Hartquist attends, and has taught at, The Advanced Estate Planning Conference annually. Ms. Hartquist is also a CEP, and Member of the National Institute of Certified Estate Planners, listed in good standing at www.NICEP.org.

Certified Financial Fiduciary (CFF®):

As a Certified Financial Fiduciary, and a charter member the National Association of Certified Financial Fiduciaries, Ms. Hartquist adheres to the CFF Code of Conduct and the strict guidelines of the NACFF, and is required to give you advice that is in your best interest, not her own, practicing the Duties of Loyalty, Good Faith, Good Care for her clients, educating them first, using a Holistic Approach, with full disclosure, comparisons of suggested products, full confidentiality and adhering to strict professional practice management. (https://nationalcffassociation.org)

Certified in Long Term Care (CLTC®):

Ms. Hartquist is uniquely qualified to advise clients on Medicare, Medicaid, Long Term Care coverage, and other alternative planning strategies for incapacitation.. Focusing on “hybrid solutions”

Master Elite IRA AdvisorsSM :

Ed Slott’s Advisor Group receives intense, advanced ongoing education in IRA Distribution, taking exams semi-annually to ensure their knowledge is up-to-date with current laws, participating in email alerts and teleconferences on the latest changes to IRA tax laws. (irahelp.com)

Chartered Federal Benefits Consultant® ChFEBC® :

Ms. Hartquist is certified in Federal benefits, studies updates annually, and is tested on her knowledge. As a member of FedSavvy she is often called upon to do full 3 day workshops on benefits. (http://chfebc.com/ )

American Financial Educational Alliance (AFEA) President Stafford Chapter:

Ms. Hartquist is certified in Federal benefits, studies updates annually, and is tested on her knowledge. As a member of FedSavvy she is often called upon to do full 3 day workshops on benefits.

National Ethics AssociationTM:

By joining the National Ethics Association (NEA) Ms. Hartquist has placed herself in a position of scrutiny. She encourages due diligence of consumers, rather than hiding from it. To view her National Ethics Association Member’s Profile visit (www.ethics.net.)

Retire Abundantly Published 2016, Co-Author with Scott Keffer:

Ms. Hartquist’s first book. Look for Ms. Hartquist’s 2nd book RetireSmart.Online In 2018!

Expertise:

Ms. Hartquist creates Life Income-Living Asset Cycle (LI-LACSM )plans to replace or supplement income, while reducing exposure to market losses. This plan is customized according to each individual’s need and risk tolerance, planning for tax efficient income and inflation. In addition, Ms. Hartquist provides a comprehensive, yet simple to understand, Family Contingency Plan (a retirement “road map”) for each unique situation, pre-planning for incapacitation, loss or reduction of Pension and/or Social Security Income due to loss of a spouse, etc. As a Master Elite IRA Advisor Ms. Hartquist provides a Comprehensive IRA Plan to maximize your IRA, minimize taxes and pass it efficiently to your heirs. Finally, a Comprehensive Estate Plan will help pass your estate quickly and tax efficiently to your heirs. If you attend one workshop this year looking for ways to protect your capital, don’t miss Nora Hartquist’s workshop!

Background:

Ms. Hartquist has a B.A. from Louisiana State University in New Orleans, where she received the Phi Beta Kappa award. She was an educator in the Orleans Parish Public Schools for many years, then founded Success Leadership Systems, Inc., successfully coaching corporations and individuals in attaining their goals. Concurrently, in the mid 1980’s, Ms. Hartquist’s two other companies, Hartquist Investments and A La Carte Real Estate, became #1 in the south in helping people invest in government properties. She was named #1 Woman Investor in real estate in the U.S. in 1985, appearing on national television with many guest appearances on a local TV talk show, “Successful Money.” Using her vast background as a base, she then completed her education in financial services and has dedicated herself exclusively to assisting those age 50 and over with their finances for the last 25 years, working to help protect their principal and striving to make their money and income last throughout their lifetime. Ms. Hartquist has mentored other professionals from around the country on her techniques for retirees and is currently developing a web site to teach others.

Current Companies:

Ms. Hartquist is the founder and owner of two affiliated firms, GuidedQuest, LLC, a Virginia Licensed Registered Investment Advisory Firm, and Hartquist & Noblet, LLC, an insurance licensed firm that also provides Estate Planning coordination and assists in Estate Settlement.

Ms. Hartquist can be reached at:

(540)659-0300 or support@retirementsolution4you.com

Eric Bullock, Co-Founder and Manager of FEDERAL WEALTH,LLC, a firm specializing in retirement strategies, assists retirees and pre-retirees alike in preparing a roadmap for living life’s journey in a more financially successful way. Eric is also a Chartered Federal Employee Benefits Consultant, ChFEBC ℠ and a Certified Annuity Specialist CAS® which gives him the unique ability to analyze benefits offered to Federal employees and strategize to provide unique solutions for them. Eric provides assistance with a variety of financial planning concerns including but not limited to: 

• TSP (Thrift Savings Plan)
• FEGLI coverage analysis and cost comparisons
• Pension income maximization
• Retirement income planning.
• Long Term Care risk assessment
• Medicare coordination with FEHB
• Social Security & FERS Supplement

Eric Bullock is an advocate of utilizing conservative financial planning strategies to create a “roadmap” to the client’s future financial success.

Eric and his wife, Kami, have three children and reside near Hill Field Air Force base in the Davis County area of Utah. Having lived in 7 different countries during his life, Eric is bilingual in English and Spanish.

(336) 291-3535

glenn@roadmapfinancial.com

RoadmapFinancial.com

109 Muirs Chapel Road Greensboro, NC 27410

Glenn W. Mosseller is a Certified Financial Fiduciary, committed to working in the best interest of his clients. In addition to holding his Series 65 as an Investment Advisor Representative, Glenn is also a licensed independent insurance agent which allows him to help his clients without bias towards either investment or insurance products. Glenn is a Certified Financial Education Instructor and is designated as a National Social Security Advisor, NSSA®.

Glenn founded Roadmap Financial Consulting, LLC - a full service financial consulting firm headquartered in Greensboro, North Carolina. Glenn provides financial consulting services throughout the country with a specialty in helping clients maximize their benefits with strategies designed to reduce taxes, eliminate debts, and increase spendable income.

Glenn’s connection with federal employees is personal. Glenn grew up in the Washington, D.C. suburbs and both of his grandfathers retired from the federal government after beginning their careers with the federal government during the Great Depression.

Learn more about Glenn by listening in on “The Retirement Roadmap Podcast” at www.WeeklyRetirementRoadmaps.com.

Christopher J. Guandolo, CFP® completed the rigorous qualifications to become a Certified Financial Planner™(CFP®) professional and a Chartered Federal Employee Benefits Consultant℠ (ChFEBC℠). As the lead financial planning specialist for the team’s clientele and FLEOA relationships, Chris creates unique, customized financial plans and investment strategies, helping our clients to reach their financial goals.

Christopher was named as a 2013 Fast Tracker™ by the Pittsburgh Business Times, honoring 40 of the top business professionals under the age of 40 making an impact in the region. Additionally, he was voted the Best Financial Planner in the Valley by the readers of the Beaver County Times and was named one of America’s Top Financial Planners by Consumer’s Research Council of America, and was recognized two years in a row by Pittsburgh Magazine as a Top Wealth Manager

Chris began his career in the late 1990’s, earning Merrill Lynch’s advanced designation of Certified Financial Manager™ and Citigroup-Smith Barney’s titles of Financial Planning Specialist™ and Wealth Advisory Specialist™ during his tenure with the firms.

Christopher earned a double major in Economics and Business from Bucknell University, was a varsity letter winner as a hurdler in Track & Field, and an active member of the Phi Gamma Delta (FIJI) Fraternity. Chris, his wife and 4 children live in New Sewickley, PA where they are active in their church, global missions, and head the Hope of the World Foundation, Inc. to serve underprivileged children.

Office Location:

• 13 East Deer Park Drive, Gaithersburg, MD 20877
• 404 Union Street, St. Simons Island, GA 31522

John and Laura are Advisors and Owner Partners of Medallion Financial Group and Safe Money Concepts. Creating and directing unique and individualized plans for our clients using retirement investment strategies that help them save for retirement.

John and Laura, each with over 38 years of helping to navigate your financial journey in whatever way you need to get you to your dreams of retiring and staying retired with financial security. As fiduciary financial advisors, Laura and John value transparency and open communication as they take care to understand and educate our clients.

John and Laura wrote the book “Navigating Your Financial Retirement Benefits,” now in it’s 6th edition and available on Amazon.com – providing easy to understand strategies, tips, ways to avoid pitfalls, and some best kept secrets for Federal Employees.

Outside of work, John and Laura enjoy spending time outdoors, ballroom dancing, cooking together, and spending time with their children helping them with their businesses. They donate to many charities, including a therapeutic riding facility, veterans, and local food banks.

Lori is an independent financial wellness coach and financial educator with more than 35 years of professional experience in the areas of accounting, finance, and real estate. Over the course of her career, she has served as an auditor and senior tax professional at a top international CPA firm, a wealth advisor and bond trader at a major brokerage firm, a real estate investment advisor, and a CEO at a Los Angeles based credit union serving mostly federal employees. Lori holds the designations of Certified Financial Planner ™ professional, Commercial Real Estate Investment Planning Specialist, and Chartered Federal Employees Benefits Consultant (SM). She also holds various licenses that are required in her specialized areas of service.

As a ChFEBC℠, Lori helps federal employees to better understand and maximize the value of their pre and post-retirement benefits. Both of Lori's parents are also retired federal employees, which has provided additional insight that has proven very valuable. As a financial wellness coach, Lori's primary focus is to offer expertise and guidance to individuals seeking to establish a solid financial foundation that will support future goals while also being resilient to life's unexpected storms and changing circumstances. It has been her experience that the employer provided life, disability, health, and retirement benefits are essential to creating a strong financial foundation and are very much a part of Lori's day-to-day conversations.

Lori spends a good part of her time providing one-one-one coaching, topic specific webinars and zoom gatherings, as well as general question & answer sessions. Outside of her practice, Lori enjoys quality time with her family, which includes her son and daughter-n-law, two beautiful granddaughters, and her husband of almost 40 years. Her favorite time of day is pre-sunrise where she enjoys prayer, devotion, and gratitude while sipping a cup of her favorite French press coffee. As a follower of Christ, Lori strives to use her gifts to help lift the burdens of others

LHD Insurance & Financial Services

Bulent Erol is the principal in the firm LHD Insurance & Financial Services and is a 30+ year veteran of the financial services industry. Prior to starting his own financial services firm Bulent worked in a variety of field and executive positions with Price Waterhouse, AXA and Merrill Lynch.

He focuses on tax-advantaged savings and distribution strategies for retirement and believes that every client needs a plan that is built just for them. 

He has a degree in business administration with an emphasis on finance. He is an Enrolled Agent and holds the “Chartered Federal Employee Benefits Consultant” designation. He finished the curriculum for the “Certified Financial Planner” designation.

He believes that his work makes a difference in his clients’ lives. He has been supporting the National MS Society since 2011 which also makes a difference in people's lives who have been diagnosed with multiple sclerosis for which there is no cure, yet. 

Bulent and his wife live in San Diego, CA. 

Ruth Goldstein, Chartered Federal Employee Benefits Consultant℠ specializes in helping federal employees make the most of their benefits, including the Thrift Savings Plan (TSP) and the Federal Employees' Group Life Insurance (FEGLI). Ruth’s work with federal employees has allowed her to gain helpful knowledge so she can provide more specific guidance when it comes to understanding and maximizing these benefits. 

She teaches financial literacy and retirement workshops at local colleges and previously hosted several Federal Employee Benefits Seminars at Federal agencies as the financial advisor. As a follow-up to workshops, she offers a complimentary Investment Portfolio Analysis, Retirement Income Plan, and a Federal Employee Benefits review. She will help you make more informed decisions about your financial future. 

It's great, you recognize the advantages of working for the federal government! Job security, high compensation increases, and generous retirement benefits are indeed significant perks. Taking advantage of these benefits can certainly contribute to your overall well-being and satisfaction. Don’t be afraid to ask for help.

Brennan graduated from Virginia Tech’s CFP Board-Registered program. He holds the CFP® designation and practices as a CERTIFIED FINANCIAL PLANNER™ professional. Brennan has worked with many federal employees over the years which has led him to become a Chartered Federal Employee Benefits Consultant (ChFEBC℠). He also is an Accredited Investment Fiduciary (AIF®) and holds his series 7 and 66 licenses.

Brennan has lived in the Washington, DC area for over 10 years. He now lives in Alexandria, VA with his wife, golden retriever, and Bernese mountain dog. He enjoys backpacking, rock climbing, and playing ice hockey in his free time.

Financial Planner / Founder

• 571-543-2783
• brennan.rhule@planwellfp.com

Chase Gauthier is a trusted investment advisor who helps clients navigate the complexities of wealth management and achieve their financial goals.

Chase specializes in retirement planning, portfolio management, and wealth preservation strategies. His deep understanding of market trends and extensive research helps clients make informed investment decisions.

Chase majored in Finance from Indiana University and is a Certified Financial Planner (CFP®) along with an Accredited Investment Fiduciary (AIF). He is also a registered investment advisor with the Securities and Exchange Commission (SEC).

Before joining Gauthier Wealth Partners, Chase served as a Financial Wholesaler at Oppenheimer funds, where he successfully assisted Financial Advisors in managing their portfolios for high-net-worth individuals and retail clients.

Chase believes in building long-term relationships with his clients based on trust and transparency. He takes a personalized approach, tailoring investment strategies to each client's unique financial situation and risk tolerance. His goal is to help clients achieve financial security.

If you're seeking professional guidance and a customized investment approach to help secure your financial future, reach out to Chase Gauthier at CGauthier@GauthierWP.com or visit gauthierwp.com

Chase Gauthier CFP®, AIF®

945 Lakeview Parkway ste 114

Vernon Hills, Il 6006

Phone: (224) 369-4344

Fax: 888-501-5783

cgauthier@gauthierwp.com