Previous ChFEBC℠ of the Month

410-429-6804

david.emery@prudential.com

As Founder, President, and Financial Planner at Clarity Wealth Management, I focus on leading our marketing efforts and assisting clients with their financial planning needs. My expertise lies in strategic financial planning, tax-saving strategies, wealth management, and insurance. Before joining Clarity Wealth Management, I honed my skills at Medtronic, and then earned my Series 7 and 66 securities licenses, and now my ChFEBC℠ . I am also a proud alumnus of James Madison University, where I laid the foundation for my career.

Success drives me, in every sense of the word, and providing for my family is my top motivation. I am committed to helping our team reach its ambitious goals and find great joy in helping clients work towards their financial aspirations. There is no better feeling than informing a client they can retire sooner than expected.

Originally from Fairfax, VA, I now reside in Grasonville, MD with my wife, Claudia, and our children, Nadia, Nicholas, and Scarlett. In my leisure time, I transitioned from being a world-ranked tennis player to a pickleball enthusiast. I enjoy playing the guitar and staying active with our Peloton. My wife and I are avid concert-goers and love spending time with our close friends.

Jonathan earned an Economics degree from the University of Maryland, College Park, and embarked on a fulfilling career in the financial services industry, beginning with the trading desk at a large online broker. Since then, he has enjoyed steady progress and success. He joined the Lighthouse team in 2017, which later became part of Wealth Enhancement.

As a CERTIFIED FINANCIAL PLANNER® professional at Wealth Enhancement, Jonathan works closely with his team to help improve the financial lives of individuals and families, helping them focus their time and energy on what matters most. He loves meeting clients and understanding their unique goals, concerns, and financial situation, so he can provide personalized guidance that truly makes an impact. Within the office, he has also taken on the unofficial role of “IT Jonathan,” supporting colleagues in adapting to advancing technology and streamlining processes. He is an active member of Wealth Enhancement’s Women's Employee Resource Group, serving on the Ally pillar to support inclusion and advocacy efforts.

Outside of work, Jonathan enjoys spending time with his family and dogs. He loves the Lord of the Rings, playing basketball, and cheering on the Washington Wizards.

We’re Dan and Natasha Lauer, a husband-and-wife team and the founders of Lauer Financial LLC. For more than two decades, we’ve helped clients (many of them federal employees) navigate their benefits, plan for retirement, and protect their financial futures.

Our journey began in 2004 when Dan launched the firm, with Natasha joining the following year. Both of us are former attorneys with law degrees from Loyola University Chicago School of Law. (We met in Rome in 1994 during their study abroad program!) Dan also holds the Certified Financial Planner™ and Chartered Financial Consultant® designations. We are both proud Chartered Federal Employee Benefits Consultants℠ (ChFEBC℠).

Our legal training gives us an edge in understanding complex systems like FERS and CSRS. We help federal employees maximize TSP, FEGLI, and other FERS & CSRS benefits, then integrate them with cashflow analysis, investments, insurance, tax planning, and estate considerations. Ultimately, we bring everything together into a clear, customized retirement plan aligned with each client’s goals.

Our philosophy is simple: build a strong foundation, invest for the future, and stay disciplined over time.

As independent fiduciary advisors, we have no obligation to promote any particular products. And we keep our client base intentionally selective so we can give every relationship the attention it deserves. We also coordinate seamlessly with accountants, attorneys, and other professionals to ensure a unified long-term plan.

Beyond work, we love to travel and are active supporters of the National Multiple Sclerosis Society, the Archdiocese of Chicago, and the Chicago Community Trust. Helping people is at the heart of what we do.”

RUTH KITZMANN, CDFA® , AIF®

SENIOR VICE PRESIDENT, INVESTMENTS 

Compassionate and helpful, Ruth enjoys working with her clients and going above and beyond for them. She wants her clients to know she is always here for them and the milestones they experience along the way.

She takes the time to carefully listen to their needs and aspirations, such as building their investment portfolio, producing income for retirement, and leaving a legacy for their family. She enjoys the detective work of helping clients locate and consolidate their assets, and get a handle on every detail of their financial lives.

She likes to meet with her clients face to face whenever possible, and will take the extra time to go to their office or residence if it is more convenient for them. She likes to have them be an intricate part of their planning, and help them understand the investments she recommends and how they are designed to accomplish their goals and objectives.

Ruth has 30 years of financial industry experience. Before joining Raymond James in August 2019, Ruth served as Senior Vice President at RBC Wealth Management. Earlier in her career, she held the same position at Robert W. Baird & Company.

Ruth holds the Accredited Investment Fiduciary (AIF®) Designation which is a professional certification that demonstrates an advisor or other person serving as an investment fiduciary has met certain requirements to earn and maintain the credential.

The purpose of the AIF* Designation is to assure that those responsible for managing or advising on investor assets have a fundamental understanding of the principles of fiduciary duty, the standards of conduct for acting as a fiduciary, and a process for caring out fiduciary responsibility.

F1360 is accredited by the American National Standards Institute (ANSI) for the AIF® Designation, making the designation part of an elite group of accredited designations recognized by FINRA.

As a Chartered Federal Employee Benefit ConsultantSM, Ruth assists federal employees with the retirement financial literacy and education mandated by the Thrift Savings Plan Open Elections Act of 2004. She also has specialized experience as a Certified Divorce Financial Analyst® , enabling her to guide clients through the divorce process and envision the longterm financial impact of their proposed divorce settlements.

Ruth earned a Bachelor’s Degree in Business Marketing Management and a minor in Art from Concordia University in River Forest, Illinois, and an Associate’s Degree from Bethany Lutheran College in Mankato, Minnesota.

Ruth was born in Minneapolis, lived in Golden Valley, Minnesota, later moved to the now family farm in Lacrosse Wisconsin area, where she lived until she attended college. After graduating, she moved to Milwaukee.

 Today, Ruth lives in Helenville, Wisconsin. In her free time, Ruth enjoys spending time with her family, reading, animals, and spending time outdoors. She is also involved in her church, helping the needy, and working with the Hispanic Foundation. In addition, she is a graduate of the FBI Citizens Academy and continues to serve the organization.

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

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.

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.

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.

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

(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.

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.

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

Hello, my name is Sean Tucker. My Dad was a Marine, so I grew up in 29 Palms, CA. Yes, it is quite hot there. I have an older sister and three brothers, so we had our own sports team, no matter what the sport was.

I lived in San Diego for two years after graduation. I say “lived” rather than “went to college”, because although I did go to college there, I really worked and lived at the beach. Life and grades caught up with me, so I joined the Navy.

I was an Electronic Technician on board a ship that was always haze gray and underway. Guess what? My ship’s job was to take the Marines wherever they needed to go. Ironic huh?

I joined the Navy Reserves when I got off active duty and retired from the Reserves in 2010 as an Intelligence Specialist Chief.

I met my wife Martha in 2003, and we married in 2004. She already had Emily and Zeph and we had Hailey together. They are all married and have one child each, Ava, Ellie Joy and Jameson. We are fortunate that they all live within an hour and a half from us.

Martha and I garden, (we have seven raised beds) and golf together. I have a guitar I play, but have never gotten very good at it.

Martha and I have always been pretty involved in our church, but as we grow further into “empty nesters” we visit the grandkids on weekends more and more.

After the Navy I worked in electronics for USAToday while I paid for college (for real this time). I graduated from Cal State San Bernardino they same weekend we closed on our first house.

With a new family and a mortgage, I decided I needed a new career. So, I became a Financial Advisor. I worked mostly with state, county and city employees in Topeka with ING and then with health care workers in Kansas City with Valic.

In 2021, I earned my CFP® designation and joined a local financial planning firm, Prosperity Advisors, LLC. And in 2024, I earned my ChFEBC℠, because I felt a desire to work with government professionals again.

Thanks for taking the time to get to know me

Charles became an Eagle Scout in the Boy Scouts of America in 1982, graduated from High School in 1984 and immediately entered the US Army. Charles entered the financial services industry in December of 1993 while completing his military service. Charles is a 12 year Veteran of the US Army. His highly decorated military career culminated with service in the Persian Gulf War and Somalia. Upon his Honorable Discharge from the US Army he developed a passion for helping families develop their financial strategies and created the Lifetime Financial Planning Process. Charles completed the Chartered Financial Consultant® program in February 2017. Candidates for the ChFC® designation must complete a minimum of nine courses and 18 hours of supervised examinations. They must also fulfill stringent experience and ethics requirements. Over 50,000 individuals have been awarded the ChFC® designation since its inception in 1982 and the credential is widely regarded as the highest standard of knowledge and trust for financial planning professionals.

The ChFC® program prepares professionals to meet the advanced financial needs of individuals, families and small-business owners. ChFCs can identify and establish specific goals and then formulate, implement and monitor a comprehensive plan to achieve those goals. Individuals who earn a ChFC® can provide expert advice on a broad range of financial topics including financial planning, wealth accumulation and estate planning, income taxation, life and health insurance, business taxation and planning, investments and retirement planning. Launched in 1927, the CLU® is the insurance profession’s oldest standard of excellence. Today, it continues to be the premier credential for professionals who want to provide their clients with the security of life insurance and risk management. Charles completed the Chartered Life Underwriter® program in August 2023.

CLU® designees know how to serve the diverse needs of their individual and business clients through in-depth insurance knowledge, including expertise on life insurance products, aspects of risk management, the legal aspects of life insurance, and assisting clients in making decisions about estate planning, including various wills and trust arrangements. Charles earned the Chartered Federal Employee Benefits Consultant Designation (ChFEBC℠). The ChFEBC ℠ program prepares professionals to meet the financial needs of Federal Employees. ChFEBC's ℠ can identify and establish specific goals and then formulate, implement and monitor a comprehensive plan to achieve those goals. These Federal Benefit Professionals complete extensive training to become a ChFEBC ℠ (Chartered Federal Employee Benefits Consultant ℠). They are required to stay up-to-date on the ever changing Federal Government Benefits Programs. They have extensive knowledge about FERS, CSRS, and Special Provisions (LEO, FF, ATC, CBPO, MRT).

ChFEBC℠, CRPC®

Principal

Martin Haugh Financial

As the Principal of Martin Haugh Financial, I hold Series 7 and 66 securities registrations, as well as life and health insurance licenses. I also carry the professional designations of Chartered Federal Employee Benefits Consultant (ChFEBC℠) and Chartered Retirement Planning Counselor (CRPC®).

Since 2010, I’ve worked extensively with federal employees, gaining a deep understanding of the unique benefits available to government workers. This specialized knowledge enables me to craft personalized financial strategies that help maximize federal benefits as well as other opportunities in the broader financial market.

My approach is both disciplined and personal—I take the time to understand each client’s goals, concerns, and individual circumstances before crafting a strategy. My areas of focus include retirement preparation, college funding, insurance protection, estate planning, and income distribution strategies for retirement.

I earned a Bachelor of Science in Business from the Charles H. Lundquist College of Business at the University of Oregon, with a minor in Economics. Before joining Martin Haugh in 2010, I worked as an Agent for Fullerton & Company, a subsidiary of Brown & Brown Insurance, where I specialized in personal and small business protection for individual and corporate clients.

I am a Portland native with a lifelong love for University of Oregon sports. I enjoy an active lifestyle with my wife, Monique, and our two sons, Charlie and Henry. When I’m not in the office, you’ll likely find me on the golf course, exploring the Pacific Northwest, or spending time with family and friends.