Advisor Partner Network

Financial Gravity partners with the best from all across the country. These partners have been trained and certified to present and represent the Financial Gravity Tax Products. These are seasoned and well experienced advisors that join with Financial Gravity in pursuing the best options for you, the client.

Their goal, as is ours, is to ensure you have the ultimate in Tax Planning to ensure you are keeping as much of your earnings as legally and ethically possible, for your future and your wellbeing… not for the government’s.

Dan Cuprill

Dan Cuprill has been assisting investors since 1994. He started his career in the insurance industry, serving as a Regional Vice President for Chubb Life America and an Assistant Vice President for Chubb & Son, Inc. In 1994, he founded Total Financial Planners in Overland Park, KS, which subsequently merged with Matson Financial Group to form Matson & Cuprill, LLC in Cincinnati, Ohio.

A graduate of the University of Iowa, Dan earned a Master of Management Degree in finance from Northwestern University in Evanston, Illinois. In addition, he holds the professional designations of Certified Financial Planner, Chartered Financial Consultant, and Chartered Life Underwriter. Dan has lectured widely on financial topics, having conducted over 100 seminars to the general public.

Within the Cincinnati community, Dan is active in the fight against poverty. He is presently on the board of trustees for Choices Cafe in Over-the-Rhine and serves as a mentor for young men fighting drug and alcohol addiction through City Gospel Mission’s Exodus program.

Dan Goodwin

Daniel C. Goodwin has been serving families and small businesses in The Woodlands community with financial services since 1995.
He is a published author and a regular speaker in his hometown of The Woodlands, Texas. The workshops and seminars he organizes enlists the time and expertise of accredited CPA’s, Tax Attorneys, Asset Managers, Trust Officers, Private Bankers, Estate Planning Attorneys, Financial Planners, and a host of other financial professionals working together to make a difference in our communities across America.

Daniel is a FOX 26 News contributor, has been featured in US News and World Report, and is the published author of the personal finance book “Live Smart- Retire Rich”. He also writes a weekly column on personal finance for Montgomery County News, while serving as Editor in Chief of Wise Money Minute, a personal finance blog. Daniel holds a series 65 securities license along with a Texas insurance license, and his firm, Provident Wealth Advisors, provides comprehensive wealth management and financial planning services, looking out for its client’s best interest by acting in a fiduciary capacity.

Daniel is the creator of Family Fractional CFO™ which is designed to serve YOU, the CEO of your family finances. Over the past twenty years Daniel’s collaborative team has cost effectively solved every investment and retirement planning problem you can think of.

Daniel has been married for 24 years to his wife Kim, residing in The Woodlands, Texas, and is the father of two wonderful adult children. He likes to consider himself a semi-pro chef, a dangerous fisherman, a rabid hockey fan, and a fierce fiscal conservative. Daniel also gives back to our community by being invited to speak at local universities and economics clubs. His favorite quotes are “ All Growth Starts With The Truth”, and “No Problem Can Be Solved With The Same Thinking That Created The Problem”.

Ed Storer

At Edward Storer & Associates, we utilize a step-by-step wealth coaching process to help educate and prepare you both for your future and the future of your loved ones.

This process includes:

• Evaluation of your current financial picture and identification
of your individual goals
• Designing a strategy that is specific to your unique needs
• Full implementation of your financial plan
• Ongoing monitoring and adjusting of your strategy over
time as needs change

At Edward Storer & Associates we view it as our responsibility to understand your long-term goals and dreams so that we can leverage our knowledge and experience to help you realize them. Rather than address your unique situation with an outdated, transactional approach focused on individual products, we specialize in helping you create a holistic financial strategy that can be adjusted along life’s journey to help you reach your destination.

JNeanne Theus

J’Neanne Theus came into the financial services business in 2004, beginning her advisory career as a licensed representative with The Guardian Life Insurance Company and working with the advisory team at Wealth Advocacy Partners in Sparks, Md. She founded Marathon Financial Group as an independent firm in 2011 and converted it to a Registered Investment Advisor (RIA) firm in the spring of 2014. J’Neanne is also founder and CEO Theus Wealth Advisors, an independent financial services firm in Columbia, Md. As part of Marathon Financial Group, J’Neanne is doing business as Theus Wealth Advisors, an independent financial services firm in Columbia, MD.

J’Neanne earned a Bachelor of Science in Pre-Med/Bio at Oregon State in 1976, where she was commissioned as a Naval Officer. In 1998, she retired as a Commander, Naval Intelligence, having served in the fleet with a deployed anti-submarine squadron, in the Pentagon, the Defense Intelligence Agency and ONI. Following her naval service, she supervised numerous project/program management operations at small corporate businesses.

Her professional licenses include the Life and Health Insurance license, as well as the investment series 6, 63, 65, and 7. She is also a Chartered Federal Benefits Consultant (ChFEBC) and takes courses with the American College for professional development. J’Neanne currently teaches Retirement Planning Courses at Howard County Community College, as well as the Community College of Baltimore County.

Within the Howard County community, J’Neanne is active in the choir at St. Mary of the Mills Parish, as well as other county clubs. She’s also an active member of the Baltimore Washington Corridor Chamber of Commerce. She’s been married for 34 years and has four children.

Charlotte Adams, CFP and Matt Adams, AIFA

Charlotte began her career in financial services in 1982 and received her CERTIFIED FINANCIAL PLANNER™ designation in 1986. Charlotte has received numerous accolades throughout her career, for her leadership and production. Charlotte has served on numerous community boards over the years, including; Better Business Bureau, Rick Husband International Airport, and High Plains Children’s Home and Family Services Foundation, Inc. Charlotte has helped hundreds of families throughout the Panhandle and has a reputation as a wonderfully caring and competent professional. She has a passion for helping investors achieve peace of mind. Charlotte loves spending time with her husband, Brent, their children, and their grandchildren. One only has to look around her yard to also notice that she enjoys her flower beds a great deal.

Matt graduated from Texas Tech University in 1992 and began his career in the healthcare industry as an Occupational Therapist. In 1996, Matt joined his mother, Charlotte, in the family business at Money Methods as an Investment Advisor Representative. He has received numerous awards in the financial services industry for his leadership and business practices. In 2011, after much interest and study in Fiduciary Standards of Practice in the financial services industry, Matt received his Accredited Investment Fiduciary Analyst™ designation.

Matt enjoys coaching and teaching investors in a classroom setting, focusing on their Investor Education Series. He has a unique talent of taking Ph.D. level investment concepts, and communicating them in a way that main street investors can understand. In his downtime, Matt enjoys spending time with his wife Rena, and their 2 children, Ryan and McKaylee. He also enjoys lifting weights, good Christian music and cheering on his Red Raiders.

Matt Rzepka

Matt believes the power of a dollar is best utilized in the hands of a business owner or entrepreneur. This belief guided him and his wife to co-found Valley Oak in 2006. They built a business model focused on getting results for their clients. They are fully engaged with clients, assuring all areas of the business are operating at maximum efficiency. Whether it be lower taxes, lower operating costs, or better technology, they believe all are keys to being successful. Matt’s goal is improving lives, one small business at a time.

Matt is a CPA and Certified Financial Planner™. He holds life and health insurance licenses and series 6, 7 and 63 licenses. He is a member of Society of Financial Service Professionals (SFSP), American Institute of CPAs (AICPA), Michigan Association of CPAs (MACPA) and serves on the board of directors for Kalamazoo Valley Community College Foundation and Starfish Community Development. He and his wife, Amber, have two children, Elizabeth and Paul.

Mark H. Witt

Mark H. Witt is the President of Witt Financial Group, LLC, a Registered Investment Advisory firm. With over fifteen years of experience in the financial industry, Mark dedicates himself to working with investors who are interested in learning how financial markets work and are seeking a disciplined approach to investing.

Mark’s approach to investment management is the culmination of years of study grounded in academic research from the University of Chicago. Mark teaches his clients the truth about how Wall Street really works and educates them on how they can achieve true peace of mind and win at the investment game. Mark wants each client to achieve clarity and confidence on their financial journey.

As a dynamic public speaker, Mark has shared his message of free markets and global investing with thousands of people around the country. His direct approach and enthusiasm make him a compelling speaker and fierce proponent of free market capitalism. Mark currently teaches public and private seminars on Investing, Asset Allocation and Modern Portfolio Theory.

In 2013 Mark was selected to co-author a best-selling financial success book alongside legendary Author and Speaker Steve Forbes. The book is entitled SuccessOnomics: Learn the Secrets of Success in the New Economy from Today’s Leading Entrepreneurs and Professionals.

Mark and his wife, Glenda, have been married since 1983. They have two sons, Jordan and Grayson. Jordan graduated from East Tennessee State University and is Vice President of Witt Financial Group, LLC. Grayson, a beautiful child with special needs, is an active participant in Special Olympics.

Chuck Oliver

Radio show host and best-selling author Chuck Oliver is a nationally recognized Wealth Architect who works with boomers & seniors who are uncertain about planning in and for retirement. Their concerns center around taxes, market risk and the possibility of out-living their income. Chuck helps clients gain direction, confidence and capability with the proven success of his model, The Hidden Wealth Solution. He educates clients on how to increase their retirement income by 50% or more with little or no tax, with no market risk and how to establish a tax-free income for life that will transfer tax-free to future generations.

Nick Naseman

Nick Naseman is the Founder of Iron Mountain Financial, an independent Registered Investment Advisory firm. As a Retirement Income Certified Professional®, Certified Financial Educator®, and Certified Financial Education Instructor, Nick provides financial literacy to investors to help them make informed decisions. He works with investors going through the retirement transition, dealing with issues like Social Security claiming strategies, figuring out whether they’ve got enough money for their retirement, how to execute the actual retirement transition, and then coordinating the liquidation of the retirement assets to replace their paycheck and sustain your lifestyle.

Nick as a retired USAF officer, having served across the globe as an intelligence officer, counterintelligence officer, and criminal investigator.

Christine Alindada, MBA

Christine honed her financial skills while working as a wealth manager at Citibank in Singapore where she was involved in trading currencies, bonds, and structuring investments for some of Asia’s wealthiest families. She earned her MBA at Columbia University School of Business and, rather than work on Wall Street, chose to make a career helping families make smart choices about their wealth.

Her introduction into the tax world came as a result of her figuring out a tax technique that saved her $36,000 in personal taxes, something which her then-CPA never brought up. This led her to pursue the professional training necessary to create a practice dedicated to cutting edge tax reduction strategies. Christine’s mission is to help clients rescue wasted tax dollars to fund their own dreams and retirements… rather than Uncle Sam’s.

Andrew Perri

Andrew Perri, President of Pinnacle Wealth Management, is a respected and trusted advisor to a select group of retirees, executives, and business owners from across the nation. He also serves as Managing Director of Charitable Income Solutions, a strategic consulting company assisting the planned giving and non- profit market place. Andrew began his career more than 19 years ago with AXA Advisors in their Estate Planning Program. After recognizing the need to provide more comprehensive and independent solutions for his clients he co-founded Pinnacle Wealth Management.

Andrew and his team specialize in wealth preservation, wealth transfer and taxation of qualified retirement plans. Andrew enjoys a passion for researching and implementing advanced strategies that benefit his affluent and high net worth clients. Through his unique 5-Point Perpetual Income Plan, he strives to maximize the risk adjusted return for his clients while reducing their risk during the income phase of retirement.

Education has always been the cornerstone of Andrew’s evolution into advanced strategies to help his clients preserve, protect, and grow their wealth. He is a Certified Wealth Strategist, CWS, from the Cannon Institute. Most recently Andrew completed a certification program at the University of Penn’s Wharton School of Business, called “A New Model for Understanding Retirement Risk.”

Since 1996, Mr. Perri has been a sought after public speaker in the areas of wealth accumulation and wealth transfer strategies. His seminars and focus group workshops have been widely attended by retirees, business owners, executives, and directors of charitable organizations from throughout the United States.

A 30 year resident of Brighton, Michigan, Andrew and his wife Beth are proud parents of their 3 children, Emma, Louis, and Samuel.

If you are looking for a competent advisor to help you or your client’s make smart financial choices, Andrew and his team are only a phone call away.

Larry Stone, CPA, CTS, CTC

As a certified public accountant (CPA) and a certified tax strategist (CTS), Larry has specialized training and experience in strategically reducing taxes and saving his client their hard earned cash.

After graduating from Arizona State University with a MBA and acquiring his CPA, Mr. Stone spent the first ten years of his career in the corporate world working for Phelps Dodge, General Dynamics and Martin Marietta performing financial management activities.

In 1996, he opened his CPA business specializing in small business organizations such as the construction and real estate industry in Frisco, Colorado. Larry’s firm provides a process to identify tax reduction opportunities, assisting clients with implementing their plans and then measuring the cash savings realized.

Bill Mullen

Bill Mullen is a managing member of Mullennium Finance LLC, a Utah Registered Investment Advisory firm. Bill’s focus is fee-only investment advising, matching portfolios that mirror a client’s risk tolerance and timeline. Bill helps guide professionals and retirees toward achieving and maintaining lifelong financial independence. Mullennium Finance is unique in that they are one of the very few local firms that teach free market investment strategy. Every client is first coached, and then provided with a detailed strategy based on their stated goals, risk tolerance and objectives. We live in a world of financial chaos: market volatility, information overload, and unlimited financial products from which to choose. Bill and his team at Mullennium Finance help break down that chaos into an easy to understand and carefully managed framework.

Mullennium Finance uses coaching versus planning to help their clients use the full potential of their retirement or business. Client education is at the forefront of what they do. It’s for this reason that Mullennium Finance continues to put together educational workshops, radio show segments and articles to increase their client’s knowledge and keep them informed about tricky financial markets.

Working with Small Business Owners, Bill concentrates on demonstrating how, through the use of the tax code and tax case rulings, they can save thousands of tax dollars annually without violating any moral, ethical or legal standard. Many business owners rely on their CPAs to advise them on how to reduce their tax burden but never get a call from the CPA with a way to save on their taxes. For the most part, CPAs are great at putting the correct numbers in the appropriate boxes on the right tax form. They are not planners for their clients. Bill is. By teaching his Small Business Owners which sections of the Internal Revenue Service code can save them tax dollars and where they are paying taxes they need not pay, Bill has allowed his clients to save more for retirement, vacations and hobbies while spending more time with their families.
Bill holds a Bachelor’s Degree from Manhattan College, a Master’s of Business Administration in Finance from Virginia Tech and is a Certified Financial Planner (CFP®) Practitioner. He and his wife Carole live in Park City, Utah.

Brian Wolf

Brian has over 25 years of experience in retirement planning, estate planning, wealth preservation and family legacy planning.

Brian has an A.A. degree from Golden Valley Lutheran College and a B.A. degree from Augustana College in Sioux Falls, SD. He has taught in Minnesota public schools and at Bethel University in St. Paul, MN. As a current faculty member at Kaplan Professional Schools, Brian teaches thousands of financial professionals his business ethics course. He has also been a Vice President of a bank, a Regional Vice President for two large insurance companies, a Divisional Vice President of a securities broker dealer and a volunteer fireman.

As a public speaker, author, consultant and athlete, Brian has traveled to 49 states and 25 different countries. His talents have been featured in numerous newspapers and magazines and heard on radio and television stations throughout the United States and Europe.

In 2004 he authored the book “Please Pass the Memories.”

Brian enjoys working with various charities and community organizations and formerly served on the Board of Directors for the Minnesota Kinship Caregivers Association.

In 1985 Brian placed 5th at the National Pentathlon Track & Field Championships and was nationally ranked in the Decathlon as well. Later that year he was recruited by the United States Bobsled Federation and set a new athletic scoring record at the Olympic Training Center in Lake Placid NY. In 1987 he became the National 2-Man Bobsled Champion and set 2 American records in the 4-man bobsled. As a competitor at the 1996 World Firefighter Games in Edmonton Canada, he earned 5 gold medals. Today Brian continues to challenge himself with activities like bull riding, parachuting and competing in the Ironman Triathlon in 2010 (2.4 mile swim, 110 mile bike, 26.2 mile marathon).

Brian & Debbie have 5 children and enjoy residences in Waverly MN and Andover MN.

Bill Hall

In July 1999, William (Bill) Hall opened the doors to Estate and Retirement Consultants, Inc., and by the end of his first six months under the direction of his new mentor, Bill made the prestigious Top of the Table membership list in just half the given time frame.

Bill soon began to share his professional services and methods with highly successful professional advisors as well as those entering the industry for the first time. In 2003, Bill hired his second mentor. His mentors taught him how to offer the most value to high-net-worth clients—namely, by helping them maximize their tax savings.

By utilizing highly advanced IRS-approved savings plans, tax-advantage trusts, and gifts to charities, Bill has set up family legacies and, in turn, saved his students and clients many millions of dollars.

Advisors who learned Bill’s methods are enjoying this same level of success to this day, by utilizing advanced retirement plans and gifts to charities. Supported by a team of experts in accounting and actuarial design, Bill can custom-tailor the right plan for each client.

Brian Bowen

Brian is founder and principal of Impact Tax Group, LLC. His varied experiences in the financial services sector provide allow him to have a holistic view of tax planning as one piece of the total financial puzzle.

Through prudent tax planning, he employs creative solutions for income creation and growth, with protection of retirement assets for individuals, families, and small businesses. He educates radio listeners on “Retire with Integrity” on Saturday mornings at 10 a.m. on WFIR 960AM/107.3FM, has been featured on WSLS-TV’s “Wealth Wednesday”, and contributes articles to, CNNMoney.com, Money.com and Fortune.com.

Brian lives in the Roanoke Valley of Virginia with his wife and 6 children.

William Spar, M.A., LUTCF

Bill Graduated from the University of Phoenix with his Bachelor of Science Degree in both Management and Business. He then went on to graduate from the University of Redlands in Southern California where he completed his Master of Arts degree, also in Management and Business.
After a long stint in the family’s real estate business, Bill decided to go into business for himself in the Insurance & Financial Services industry in 2000.

Bill’s approach to investment management is the culmination of 17+ years of study both in academia as well as “on the street” rooted in research, thousands of interviews as well as having the privilege of being a Proof-reader on many industry books from long time industry-partners!

A dynamic speaker, Bill has been speaking and teaching about retirement, investments and Tax-Free Income for many years around the Western half of the Country. Enthusiasm is an understatement when it comes to Bill’s speaking style and is a staunch proponent of helping clients get to a Zero-Percent (0%) Tax Bracket to help create a Tax-Free Income.

Bill has been blessed to not only have been on the cover but also written about in industry magazines, detailing his work both in the industry as well as his commitment to give back to the communities that his firm does business in.

Bill resides full time in Phoenix, AZ. with his wife Dena and their children, Billy Jack and Josi. Bill is an avid golfer and loves sports such as football, motocross and NASCAR. Bill is the owner of a Tax & Expense Reduction company (ARP Tax Pro, LLC.) and an Investment & Advisory firm (Advanced Retirement Planning, LLC.) and has three offices: Phoenix, Los Angeles & Las Vegas.

Nurture Wealth

Nurture Wealth is a comprehensive planning firm located in Waco, TX. Chad Castle, John Baker and Jessica Burch combine over 50 years of service in the financial industry. We focus our attention on helping clients thrive in four major financial categories; Protection, Accumulation, Taxes and Income. In our planning work we understand that taxes may be the single largest expense that clients will incur during their lifetime. We create strategies that not only lower personal income taxes today but also seek to reduce or eliminate income taxes in retirement. We appreciate our relationship with Financial Gravity in helping us serve our business owner clientele by saving them thousands of dollars per year in taxes.

Gary LoDuca, CFP®, ChFC

I started Thoughtful Tax Advisors as an alternative. After 25+ years in banking, investing and related financial services, I realized most business owners working with financial advisors and tax professionals were not getting straight forward advice needed to fully understand the extent to which they could reduce their personal taxes.

I help business owners ethically, morally and legally reduce their current personal taxes to the maximum extent they choose. I help them understand what is possible to transfer or sell their business tax-free.

We provide customized tax plans and back up our advice with a written guarantee. We provide IRS audit defense on behalf of the business owner for the strategies we implement for them.

I graduated from the University of Florida with a Bachelor of Science in Business Administration. I have CERTIFIED FINANCIAL PLANNER™ and Chartered Financial Consultant designations from the College of Financial Planning and the American College.

I live in South Tampa with my wife Emily and our two young sons.

Matt Redding, Sr

Matthew R. Redding Sr. is the founder of Metroplex Wealth LLC located in Southlake, Texas and has been in the financial services industry since 1983.
A graduate of Florida State University in 1979, Matt played golf for the Seminoles while attending FSU. After a successful collegiate and amateur career, he turned professional and played on the Asian, South African and PGA tours from 1980- 1982.
After several injuries, he decided a career change was necessary and joined Smith Barney as a financial consultant and continued his career as a Divisional Sales Manager/Financial Consultant with Merrill Lynch and a Branch Manager for UBS.
After 20 plus years in the brokerage industry, he became disillusioned by Wall Street’s fixation on the firm’s profits over client’s profits. This coupled with his client base nearing retirement, he became focused on retirement income planning for his clients utilizing strategies the insurance industry created that provides guaranteed lifetime income with no stock market risk.
Through his experiences as a financial consultant, he found that quite often there was a gap between the traditional brokerage firm and client relationship. Often times this gap was the lack of a cohesive and coordinated plan attempting to solve retirement income strategies, lowering their tax bill and providing a legacy for their future generations.
Using a “team” approach, Metroplex Wealth’s focus is building tax efficient retirement income strategies, proactive tax planning, estate planning, accounting and business planning for clients and their families. Traditional stock broker/client relationships were somewhat successful in the early 1980’s through the mid 2000’s. However, the managing and maintaining of wealth has become more and more complex in the last decade. Significant income tax and estate tax changes along with market and economic challenges have left families feeling frustrated.
Investors are searching for answers. Wealth comes in various shapes and sizes. We are a “team” who can provide guidance with the various complexities of accumulating and managing the assets clients have accumulated. Tax efficiency with regards to current and future income taxes, retirement income, and passing their assets to your loved ones is our goal. This holistic approach allows clients to enjoy a this ‘team” approach whose focus is on the clients overall financial picture not simply a product or transaction.

David J. Albahary, CFP®

Throughout my career as a financial advisor I have been on a mission to build the most trustworthy financial services firm in the industry. In 2004, I founded Ivy Ridge Asset Management, LLC as a means of aligning my company with some of the best financial partners anywhere in the world, including more recently my newly formed alliance with Financial Gravity. Through our partnership, we have been able to help hundreds of clients optimize their finances through a variety of proven and efficient financial techniques. And, unlike many other financial service providers, we are able to provide high end, proactive financial planning and asset management for our clients under one single umbrella— the Fractional Family Office®.
Having great partners is an essential component to building long lasting relationships with our clients. And, by doing so, Ivy Ridge Asset Management, LLC is able to act independently as a true fiduciary with a proven track record of success. As an independent, fee-based registered investment advisor (RIA), our financial specialists are dedicated to building and preserving the wealth of each and every one of our clients through precise and detailed portfolio management, tax planning, retirement planning and more.
We are committed to providing our clients the highest-quality of ongoing guidance in so far as helping our clients reach their personal and professional goals.

Mark R. Lumia, CFP®, RMA®, ChFC®, RICP®, CASL®

Mark was born in New Jersey and grew up in the Fort Lauderdale area of Florida where his first job was working at a fast food restaurant. In school, Mark excelled in math. To this day he views helping clients manage and preserve their wealth as a numbers challenge – one which he thoroughly enjoys. Mark believes that there is no “silver bullet” when it comes to a successful, worry-free retirement. Rather, it is built one brick at a time by making intelligent choices. His planning philosophy is purpose-based, which is another way of saying that money means different things to different people and no two individuals are alike.
Mark believes that the most important financial aspect of retirement is a secure lifetime income.
Mark Lumia is Founder and CEO of True Wealth Group, LLC, which has its headquarters in Lady Lake, Florida in an area commonly known as “The Villages.”
He and his wife, Maryna, make their home in Ocala, Florida. They are parents to two sons, Ian and Liam, and two daughters, Mia and Lia.
Mark started his career as a financial professional after leaving the University of Florida in 1989. He recognized that nothing gave him greater professional satisfaction than helping people preserve their wealth, retire with abundant income for the rest of their lives, and find ways to reduce their tax burdens. He formed True Wealth Group, LLC, and currently oversees a staff of four as Founder and CEO.
Mark is a Certified Financial Planner® (CFP®), Retirement Management Analyst® (RMA®), Chartered Financial Consultant® (ChFC®), Retirement Income Certified Professional® (RICP®), and a Certified Advisor for Senior Living® (CASL®). He holds numerous other licenses and credentials such as Series 65. He is a Master Elite IRA Advisor® and an Infinite Banking Concepts Authorized Practitioner®. He also holds a Real Estate License. While Mark specializes in retirement income planning, his office also helps clients with Medicare and Social Security planning

Rick White

Recognized as one of the top “Safe Money” experts in the industry, Rick has helped countless individuals and families prepare for a secure retirement.

Rick believes that risk management and being able to keep your life’s hard-earned money protected is just as crucial as growing your money.

Rick is passionate about his clients’ financial education. Whether its on the radio or in the classroom, Rick strives to bring the audience to light with real world financial truths that help Carolinians make informed choices pre- and post-retirement.

Forrest Wallace Cato, Editor-In-Chief of the 88-year old Financial Services Advisor magazine said, “Rick White makes those in the financial planning industry very proud. He takes great care in listening to the needs and wishes of his clients. Then, he carefully designs suitable financial plans that help his clients enjoy life without financial worries. Rick is a man of integrity.”

Rick has appeared on the PBS television program Money Moves and has written for popular trade publications such as the Financial Services Journal Online. He has also appeared in the Charlotte Observer.

Away from the office, Rick enjoys spending time with his family and visiting with his grandson and granddaughter in Winston-Salem, NC.

Carroll W."Bill" Hayes, MBA, CFP®

Bill started his financial career at Merrill Lynch in 1989. In 1992, he left Merrill Lynch for Fidelity Investments. During his career at Fidelity Investments he held roles in various divisions of Fidelity. Those roles included positions in the Trust, 401(k), Brokerage, and Money Management divisions. Bill also held management positions at Fidelity and in 2001 led a Private Access team based in Boston. In the Private Access role his responsibilities included managing a book of business in excess of $3 Billion and a client base that was international in scope. In 2008, he established Charles Carroll Financial Partners. The firm is an Independent Fee-Only Financial Planning, Investment Management, and Tax Planning firm. Bill is a graduate of Marquette University, and holds an MBA from the Sawyer School of Management. Bill holds the designation CERTIFIED FINANCIAL PLANNER. Over the past four years, Bill has served as a Commissioner on the Disciplinary and Ethics Commission of the Certified Financial Planner Board of Standards.

Travis Jennings

Travis has spent almost a decade providing solutions, systems, and support to improve families’ personal finance, investments, and taxes. Over time, he learned that one of the key differences between those with wealth and those without is the type of financial education and guidance they receive. The current financial industry compensation structure pays advisors based on the percentage of the money they manage which creates an environment where advisors make more money as they manage more money. As a result, the brightest minds head upstream to manage the top 1 percent.

Travis decided he wanted create systems that would allow everyone to access to the best planning strategies. The biggest obstacle in delivering high end solutions to large groups of people, though, is time. Thankfully, Travis served in the United States Air Force and was trained in systems and technology. He combined years of financial education and planning strategies with the training he received in the US Air Force to solve the issue of time.

As a result, he has created an automated online platform with the ability to share the solutions used by the top 1 percent with the entire country. Travis believes that transparency and knowledge should be accessible to all, and he has dedicated his life to helping people become as educated and informed as possible, providing them with solutions that work. He has three beautiful kids with his best friend, his wife. He also has a dozen cows, a pair of pigs, and around 70 chickens on his farm just outside of Tampa. He enjoys nature, meditation, and teaching those with a desire to grow. He has been interviewed by the Wall Street Journal, as well as on several podcasts, as a financial services expert.