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Assisting top financial professionals in finding the ideal environment to achieve their goals and effectively meet their clients' needs.

Grow with FFG

Leslie “Adam” Morgan was born and raised in Franklin, VA, which is a small city in the “Tidewater” region of Virginia. After High School, he attended Radford University where he received his Bachelor’s in Business Administration in 2004.

After graduation, Adam sought a job opportunity that allowed him to work with people while helping them identify creative solutions to resolve their unique problems. His uncanny ability to think quickly, critically, and strategically in the face of challenging scenarios led him into the Financial Services industry in 2005. Adam’s mindset of excellence in everything he does, coupled with his unselfish desire to help others resulted in him excelling in the field of personal and business strategic financial plan development and implementation.

He has won numerous awards, including “New Agent of the Year” in 2006 with his firm, as well as multiple honors in one of the industry’s most prestigious organizations: The “Million Dollar Round Table,” to include multiple “Court of the Table” recognitions and designation as a “Top of the Table Producer” in 2019, 2020, and 2021.

Adam is married to the love of his life, Jenny, with whom he has two wonderful children, Andy and Joanna. In his free time, Adam enjoys the following activities: Golfing, spending time with his family, and being an avid collector of esoteric items.

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Our mission as a team focuses on helping small business owners and busy professionals achieve their desired goals, as well as understanding each client’s unique wants and financial dreams. 

We strive to empower clients by offering education, tools, and resources aimed at facilitating clear communication and bringing definition to their ambitions and objectives. Each client is different, and what constitutes a great life can be wide-ranging. We help take the burden out of managing the financial details so clients can enjoy life’s journey and live out their unique purpose.

I hold a bachelor’s degree in international business and German from Oklahoma State University, and an MBA from West Texas A&M. I have fourteen years’ experience in the financial services industry, and previously spent a significant portion of my career at a wirehouse. Outside of the office,I’m active with the Norfolk Sports Club and serve on their scholarship foundation, as well as with a homeless ministry in Virginia Beach called PiN Ministries. I also enjoy running, hiking, visiting museums, and following Oklahoma State Sports.

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Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

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Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

Andrew has spent his entire career in the financial services industry. He began designing financial strategies for individuals and businesses in 1995, then moved to designing Executive Benefit plans for Community Banks while working with Benmark in Atlanta. Singled out to spearhead Benmark’s venture in designing Executive Benefit Plans for credit unions, Andrew succeeded far beyond expectation. With a vision of offering custom plan designs and unparalleled service, Andrew eventually founded The Sheeter Group in 2004.

Andrew and The Sheeter Group work exclusively with credit unions on all facets of non-qualified benefit plans for credit union executives.
In addition to being an avid sports participant and fan, Andrew works closely with several charities including: Journey’s End Animal Sanctuary, A Cause for Paws, Back to Nature Wildlife Rescue, English Springer Rescue, Hubbs-Seaworld Research Institute, and The Maasai Tribe in Kenya and Tanzania.

Andrew received a Bachelor Degree in Business Administration from the University of Toledo and his MBA from Tiffin University, both in Ohio. Andrew and his family reside in Windermere, FL. 

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Preparing for that next step in life isn’t always easy. My combination of experience, professionalism and access to a wide variety of products and services can help you meet your financial goals, estate strategies and insurance needs. Whether your goals include preparing for milestone life events like retirement or college, or whether you’re simply looking for life, disability income or long-term care insurance protection, I promise you a new level of attention, insight and capability. Contact me to discuss your financial future.

Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

April Romero plays a critical role in both financial planning and operations at LaRoche Wealth Management. April has been a key member of the firm since 2010 and was promoted to Vice President in 2017. Her responsibilities include overseeing day-to-day operations of the firm, managing the growing team, and consulting with clients – individually, and in partnership with Brian LaRoche.   A fully licensed advisor, April brings over 16 years of industry experience to bear as she develops clients’ plans and helps them through the financial planning process.

April’s detailed technical knowledge of investments is of great value. She researches different investment scenarios and creates strategies, proposals and presentations. Her prior experience working at American Funds, one of the nation’s oldest and largest mutual fund providers, gave her the strong industry knowledge she brings to work today. Also at American Funds, April trained new associates and managers on technical fundamentals, communication skills, critical thinking, and client service.

What April appreciates most about her role as a financial advisor is the opportunity to make a difference in clients’ lives. In turn, clients value her competence, organizational ability, attention to detail, ‘get it done’ attitude, and work ethic. As a result of her intent focus on client relationships, clients regard April as a key member of their advisory team. “I’m driven by deep personal satisfaction from taking care of people,” April explains.

April is dedicated to her family, with whom she spends as much time as possible outside of work. When she is not tending to her loved ones, you can find her wandering the aisles of her favorite store, Target. She resides in Virginia Beach with her husband, Steve, and their two children.

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Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

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Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

Ben Giese, CFP®, MBA is a seasoned financial advisor with a decade of experience in financial services, specializing in comprehensive holistic planning for individuals, families, business owners, and working professionals. A Lynchburg native, Ben returned to Financial Designs, where he previously worked from 2015 to 2018, after completing his MBA with a concentration in finance from the University of Lynchburg, following his undergraduate studies in sports management at Liberty University. 

Ben's passion lies in building strong client relationships and tackling complex financial situations, leveraging his expertise to develop tailored strategies for his clients' unique needs. Outside of his financial advisory work, Ben is deeply involved in his community, coaching Little League baseball in Forest and serving as the commissioner of baseball at Forest Youth Athletic Association.

In addition to his role as a financial advisor, Ben serves as an Adjunct Instructor for Liberty University Online. Prior to his current role with Financial Designs, Ben served as Assistant Vice President and Financial Advisor at First National Advisors. 

Throughout his career, Ben has honed his skills in investments, taxes, estate planning, cash flow planning, education savings, insurance, and retirement planning. He is committed to providing personalized guidance and comprehensive financial solutions to his clients, helping them achieve financial success and security.

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I am prepared to assist clients with their financial plans and help them meet their long-term financial goals. I work closely with my clients and can also work with you. I will help you:

• Define your personal financial goals
• Develop a financial strategy that can help you achieve these goals
• Suggest suitable products and solutions based on your own tolerance for risk and your time-frame
• Implement your strategy with products and services that help meet your needs.

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Knowledge is the key to a successful financial future. Recognizing that each client has individual needs, Bob dedicates himself to understanding and appreciating each client's situation before making recommendations. He believes in educating clients and works diligently to help them develop achievable goals, understand their financial choices and portfolios, and implement strategies that assist them in attaining their personal plans. Bob’s practice is made up of individual clients and their families along with business owners helping them implement benefit solutions for their workforce. Bob will tailor his advice so that it will always be in the best interest of each client.

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Bobby Pickett comes to FFG from Winston Salem, North Carolina as our Brokerage Director and Financial Planner. With 19 years of financial service experience, he works with all clients by taking a holistic approach to understand current financial positions, evaluate risks at hand, all while establishing long term goals on an ongoing basis. Bobby states the key to all of this is  “the planning process is about helping clients align their actions with their intentions.”

Why an Advisor? With first hand financial surprises Bobby transitioned from his banking role to pursue the path to financial success. He wanted to help as many people as he could to avoid financial pitfalls. Currently calling Virginia Beach, VA home, Bobby now specializes in Financial Planning, Retirement Planning, Insurance Planning, College Planning, Income Strategies, Workplace Retirement Plans and Small Business Planning.

In his free time, Bobby enjoys live music and spends time with his fantastic wife -Beth- and two children-Haley (gymnast enthusiast) and Holden (eats, sleeps and lives baseball). He also helps with the local Cub Scouts. With family being important Bobby fully stand behind words of wisdom from his grandfather , which was to “never stop learning”.

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Bradley manages a retirement plan practice for First Financial Group (FFG), a Bethesda based Mass Mutual Agency, while also maintaining / growing a wealth management business. The practice provides 3(21), 3(38) and other fiduciary / advisory services to businesses and clients of advisors at FFG.

FFG’s Fiduciary Consulting Practice
- Supports FFG’s wealth management advisors by helping them to provide retirement solutions to their clients, without having to be specialist, while participating financially and partnering to help identify opportunities for the wealth advisors.
- Delivers 3(21) and 3(38) services, advanced guidance to trustees and HR about plan design and creative options to meet their benefit and financial goals.
- Interacts with employees to support their use of the 401k plan, deliver employee financial wellness (Wellcents), education and real financial guidance that they don’t get from a 1-800 number.

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Advisors: Schedule a Business Consult

Brandon has lived in Columbus, Ohio practically his entire life. He attended St. Brigid of Kildare Elementary School and then Bishop Watterson high school. Upon graduation, he attended The University of Cincinnati and dual majored in Finance and Real Estate. At UC, he spent his first two years studying to become a doctor while playing hockey for the University.

From a young age, Brandon has always had an entrepreneurial itch, so during his summer breaks he started a landscaping company which allowed him to see the benefits of owning your own business. Upon returning to school, Brandon decided he wanted to pursue a career in business instead of medicine. Still with a desire to help people, Brandon settled on Finance with a focus on Financial Planning, he decided that if he can’t help people fix their health, he can help them fix the next best thing, their relationship with money.

Brandon started his career at Principal Financial Group in 2021, where he focused on protecting people’s greatest asset – their income. He was actively involved at The Ohio State University working with new Residents and Fellows to select appropriate Disability coverage. However, Brandon knew that there was more that he could do as a Financial Planner and did not like how transactional the insurance side of the business had become. So, he started to lay the foundation for a shift to a new firm.

Brandon settled into First Financial Group in October of 2023, where he works by utilizing a team approach to deliver custom-tailored financial strategies to his clients. Brandon prefers this over solo work because two sets of eyes are always better than one. At First Financial Group he has all the tools necessary to lead clients up and down the financial mountain.

Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

Our team works with physicians, executives, business owners and Marcellus Shale Royalty Recipients on identifying problems that are adding financial drag to their balance sheet and determining optimal financial strategies to efficiently build and protect their wealth.
 
We utilize an approach designed to proactively manage our clients finances to account for unforeseen life events as well as manage for cyclical and economic adjustments in the marketplace. This financial approach is designed to help protect wealth, reduce risk and increase monetary abundance. 

While not at work, I enjoy spending time at home with my wife Christa and our two children, Patrick and Liam.

Business Owner Strategies
Cash Flow Strategies 
Equity Protection Strategies 
Buy/Sell Strategies 
Business Transition/Exit Strategies 
Financial Wellness for Employees 
Estate Planning Strategies

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Advisors: Schedule a Business Consult

Those who know Brian LaRoche appreciate both his love for education and his desire to help others. Brians intense focus, deeply analytical mind, and commitment to the well-being of his clients are well suited to his career choice as a financial planner. Through education, Brian seeks to replace clients apprehension about the future with knowledge, translate that knowledge into action, and thereby help them take control of their future.

Brian entered the financial services industry in 1993 after obtaining a degree in Finance from Virginia Tech. He started out with Combined Insurance Company of America, founded by the great American entrepreneur, philanthropist, and thought leader, W. Clement Stone. Intelligent, driven, and a hard worker, Brian sought the guidance of valuable mentors whose success he could model. Following their lead, he quickly rose to the top of his profession winning numerous accolades for his achievements.

Throughout his journey across the rapidly changing financial services landscape, Brian would repeatedly be faced with clients who were unsure about the impact of their current decisions on future outcomes. This only served to strengthen his resolve to perfect a rigorous financial planning methodology that would deliver true value through education.

He was his own very first client and then, just to be sure, he put his parents through his process. More than a decade later, time has validated his meticulous approach. The result: a successful financial services practice which continues to grow mostly through the referrals it garners from a comprehensive educational process, incisive insights, and unparalleled commitment to customer service. Consumers have more access to information than ever, he says, and my role is not to sell, but rather to educate them so that they can make informed buying decisions.

Outside of work, Brian can be found on his boat surrounded by family and friends, playing golf at Broad Bay Country Club, and actively supporting Toby's Dream Foundation and Roc Solid Foundation.

A native of Virginia Beach, Brian continues to reside there with his loved ones; Suzanne and his daughter.

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About

Favorite Sports Team – Chicago Cubs, Indianapolis Colts

Favorite Book or Movie – Principles by Ray Dalio

Ideal Dinner Guest(s) – My Grandfather’s & Great Uncle

Qualities I Admire in Others – Compassion; Willingness to be open-minded

Professional

After becoming Partner in 2010, Brian deploys his collaborative style to ensure customized wealth-building solutions for every financial planning need. Brian earned his Certified Financial Planner designation in 2010.  Prior to joining the firm, Brian guided clients as an Advisor for Raymond James in Clearwater, Florida.

Personal

Brian is the proud father of 2 children, Makenna and Nicholas, and happily married to Kimberly since 2000. Brian enjoys crossfit, golfing, running, and spending time with family and friends at the lake.

Education – B.S. in Elementary Education from Liberty University

Professional Designations – Certified Financial Planner ®

Memberships – T5 Group Advisory Board

Broker Credentials – #4470593

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With his educational background focused on family financial management, Britton joined the financial services industry in 2004. His business is based in Gainesville, GA, though he works with professionals and business owners across the country. Britton is a frequent guest speaker at multiple dental and medical residency programs, and he understands the unique issues and financial pressures that these professionals face. He also spends several days each year traveling the country to educate himself on the most effective ways of helping those who rely on his guidance. With the time his clients have invested in their own education and careers, Britton understands the importance of making sure their ideal financial lives become a reality.

Areas of Focus

• Business Owner Strategies
• Cash Flow Strategies
• Equity Protection Strategies
• Buy/Sell Strategies
• Business Transition/Exit Strategies
• Financial Wellness for Employees
• Estate Planning Strategies

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Advisors: Schedule a Business Consult

Brock Jolly is a Financial Advisor with Veritas Financial, LLC, and the founder of The College Funding Coach®. A sought-after financial advisor and student of the industry, Brock has deep knowledge and resources in all aspects of financial planning. He graduated from the University of Virginia in Charlottesville, Virginia in 2000, then continued a path of lifelong learning, earning industry designations as a Certified Financial Planner™ (CFP®), Chartered Financial Consultant (ChFC®), Chartered Life Underwriter (CLU®), Certified Family Business Specialist (CFBS®), Retirement Income Certified Professional® (RICP®) and Certified Exit Planning Advisor (CEPA®).

Brock founded The College Funding Coach®, an industry leading organization that teaches parents strategies for saving and paying for college without jeopardizing their own retirement savings through a unique workshop entitled, “Little-Known Secrets of Paying for College.” What started as a small adult education class in the Washington, D.C. suburbs has spread to a national platform that teaches hundreds of workshops each year to audiences of up to a few thousand parents, all of whom are desperate for this critically important information.

Brock has been featured in numerous media outlets including The Wall Street Journal, CNBC, PBS, Fox News, The Motley Fool, and Federal News Radio’s “Blueprint for Wealth," as well as industry publications such as Investment News, The National Underwriter, Insurance Newsnet, Think Advisor and Life Insurance Selling.

In 2011, Jolly was named the National Association of Insurance and Financial Advisors (NAIFA) Young Advisor Team Leader of the Year. From 2012 to 2014, he served as the chairman of NAIFA’s Investment Committee, where he worked closely with NAIFA leadership to manage the association’s reserve account. In 2014, he was elected by his peers to serve as a National Trustee for NAIFA—the youngest trustee ever elected. In 2015, Brock was awarded the Legacy Award by the Washington, D.C. Helping Hands Society in recognition for his longstanding service to the organization, the financial services industry, the highest standards of professional conduct, and unselfish community service. He currently serves as the National Treasurer for NAIFA.

In his spare time, Brock enjoys traveling, distance running, hiking tall mountains, SCUBA diving, playing ice hockey and riding his Peloton. He lives in Arlington, Virginia with his wife, Lauren and their children Bryson and Olivia.

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Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

I am prepared to assist clients with their financial plans and help them meet their long-term financial goals. I work closely with my clients and can also work with you. I will assist you as you:

• Define your personal financial goals
• Develop a financial strategy that can help you achieve these goals
• Suggest suitable products and solutions based on your own tolerance for risk and your time-frame
• Implement your strategy with products and services that help meet your needs.

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Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

Knowledge is the key to a successful financial future. My background, experience and commitment to providing you with the resources you need to make financial decisions, can help make your financial future as successful as you need it to be. I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current needs, and more importantly, their future needs.

Knowledge is the key to a successful financial future. I provide an analysis of your current financial situation and help you: identify financial goals and concerns, illustrate what is being done to reach your goals and deal with concerns, identify gaps, if present, and offer solutions to help fill them.

I am a financial coach and Brand Ambassador with Matson Money. I am committed to saving families from speculating and gambling with their hard-earned money by providing ongoing coaching, tools, and breakthrough education around Nobel Prize winning, empirically tested academic investing principles. I'm a member of my local Chamber of Commerce and Business Networking International (BNI) group.

Outside of work, I'm a past president and current trustee of my local library. As an avid reader, I have had the distinct pleasure of being part of a book club (and friendship circle) for 28 years. My monthly dinner group, Women Listen to Women, raises funds for charity.

I work out to retain my sanity, not to mention to eat ice cream! I was just nominated for my high school's sports hall of fame, as my hurdles records from 45 years ago still stand! I placed second in New York State in the 100 meter hurdles my junior year, and I was in the right place at the right time to be coached by Brooks Johnson, a track and field coach of the women's Olympic team.

I am a breast cancer survivor.

I can't tell a joke, but I'm a great audience -- I love to laugh!

I love making memories with my husband, children and grandchildren, even doing ordinary activities like boating around the Thousand Islands, hiking, and making s'mores around a bonfire. My husband and I both hail from big families, so holidays, birthdays, and anniversaries are always excuses for big, fun gatherings.

I'm a sports fan -- I grew up on Notre Dame football, as my dad is an alumnus. The best things about sports are that nobody can buy success; you have to put in the work and perform when it counts. Nothing is more fun than being in a stadium full of cheering fans when your team is doing well. Ditto for cheering a good live band like Fleetwood Mac or Springsteen!

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I am dedicated to making a difference in people’s lives. Whether your goals include preparing for milestone life events like retirement or college, protecting your family's future or you’re simply looking for life, disability income or long-term care insurance protection, I promise a new level of attention, insight and capability.

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Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

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I love what I've been called to do, both professionally and personally.

Professionally: I provide my clients with agency and access to discovering freedom around their finances. We do this through defining their "True Purpose for Money". It's critical to understand the relationship between Money and Mind. Our brains were created for survival, and navigating the "World of Money" by our own instincts and emotions (not to mention the multiplier given through the chaos of The Media), without a Financial Coach, having mastery over finances can seem almost impossible.
With heavy emphasis on protecting and perpetuating Cash Flow and wholistic Financial Organization, we are able to increase the probability of maximizing a client's financial potential. All this, while helping them avoid making Uncle Sam their largest charitable donation.

Personally: I'm a husband and father to an incredible family. I'm eternally grateful that the Lord has entrusted me with leading them. I love the outdoors: golfing, hunting, fishing, camping, etc. I'm a CrossFit guy, but you didn't hear that from me... Black Labs are the best dogs on earth. Pineapple goes on pizza. I'd love a chance to get to meet you!

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Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

I have been serving clients in the financial industry for over three decades. Prior to bringing my practice to Bull Harbor Capital, I was a financial advisor at MONECO Advisors, Barnum Financial Group and Strategies for Wealth. Before finding my passion for financial planning, I  founded and was a risk management specialist at two hedge funds and worked as a derivatives specialist at several investment banks covering hedge funds and money managers. I have a Series 66 securities license and am licensed to work with clients seeking life, health, and property & casualty insurance.

I earned my MBA in Investment Management at the University of Virginia’s Darden School of business, where I proudly served as Presiding Partner of the school’s investment fund and President of the Investment Club. Prior to attending business school, I worked as an engineer after earning degrees from the University of Virginia (M.A., Biomedical Engineering) and State University of New York at Buffalo
(B.S., magna cum laude, Chemical Engineering).

I reside in Fairfield, Connecticut with my lovely  wife, Carolyn, and we most enjoy visiting and spending time with our four children, Justin, Brian, Severin, and Mackenna. I'm an avid golfer, platform tennis player,
and reader of all things relating to finance, history, and economics.

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Chris Foder serves as Chief Sales and Development Officer at First Financial Group, where he leads the development and execution of sales strategies aligned with the firm’s holistic philosophy. His team supports advisors at all levels by helping them master and leverage FFG and MassMutual practice management tools, while also providing strategic marketing support to grow and optimize their practices. Additionally, Chris oversees recruiting and onboarding efforts, ensuring a seamless experience for new advisors and continued growth for the organization.

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Advisors: Schedule a Business Consult

I assist clients and help them meet their long-term financial goals. I work closely with my clients and can also work with you to:

• Define your personal financial goals
• Develop a financial strategy that can help you achieve these goals
• Suggest suitable products and solutions based on your needs
• Implement your strategy with products and services that help meet your needs.

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Clarence “Clay” Goldsborough, Jr. joined FFG in 2012 and has consistently been one of its’ top financial professionals, winning numerous awards and industry recognition. Indeed, Clay was the first associate in FFG’s history to achieve the status of Chairman’s Council and was the first African American to achieve Chairman’s Council with his former company's 153-year history.

Clay has helped build First Financial Group into one of the premier Financial Services Firms in the Mid-Atlantic Region. Clay strongly believes in helping Families establish generational wealth and creating more certain financial futures. His greatest passion is building relationships and creating meaningful connections in his Community.

Prior to joining FFG, Clay was Director of Business Development with Northwestern Mutual in 2010. He was responsible for expanding the Advisor base and enhancing the Firm’s brand in untapped minority markets. After college, Clay began his career in sales at Fortune 500 computer software and IT companies. Realizing his entrepreneurial tendencies, Clay founded and managed several successful real estate investment/ consulting companies.

Clay received a Bachelor of Science Degree in Biology from Hampton University and has completed many Executive development programs over the years. In his spare time, Clay enjoys spending time with his Wife Adrian and their two Sons, Ethan and Evan; he and his boys are avid golfers. He and his Family reside in Potomac, Maryland. He is a member of Sigma Pi Phi Fraternity, Kappa Alpha Psi Fraternity, Inc. and the Century Club, LTD. He presently sits on the Board of the Williams-Franklin Foundation. 

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Cliff Kwartner was born in Brooklyn, New York and raised in Plainview on Long Island. He attended Towson University, where he began his career in financial services as a producer with National Life of Vermont. He built his business primarily through strategic relationships, laying the foundation for a referral-driven approach that still defines his work today.

Coming from a family-owned business background, Cliff developed a deep respect for entrepreneurs. Growing up, watching how hard his father worked with little time for anything else, taught Cliff how to effectively communicate with business owners. Be direct, be efficient, and build the relationship on trust.

Cliff later joined MassMutual to work with his mentor George Kinigopoulos, who told him, “You’re working in the minor leagues—it’s time to join the majors.” Within a few years, Cliff worked his way up to Brokerage Director, growing an important piece of the agency that had been previously overlooked. He worked with independent advisors, banks, CPA firms, and benefits companies to integrate MassMutual’s solutions on to their platforms. His passion to help businesses grow, and his motivation to identify and recruit successful advisors, have been the greatest drivers of his success.

Cliff has been married to his wife Sarah for 10 years. He’s a proud dad to two boys, Ben (8) and Ethan (5), a lifelong sports fan, golf enthusiast, and movie buff. Cliff believes if you’re not having fun doing what you do, you’re in the wrong business. As he steps into a larger leadership role, he’s tapping into his familiar “high energy”, to keep building and helping advisors, business owners, and families change their lives. Those are your Cliff Notes.

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Colin started his career in financial services with MassMutual in 2004 after working in the telecommunications industry. He co-founded a financial services firm, Veritas Financial, in 2013 where he continued to grow his practice and serve his clients using fee-based financial planning, the majority of which are business owners and executives. In 2019, together with Peter Glassman, he formed Wealth Insight Partners, a boutique wealth management firm focused on smart and discerning clients who value a customized client experience. 

Colin is a graduate of the University of Massachusetts, Amherst. He is a Certified Financial Planner™ Professional and holds the Certified Family Business Specialist (CFBS) designation. For several years, Colin has been awarded Washingtonian Magazine’s distinction as one of the area’s Best Financial Advisors. In addition, he was awarded one of Bethesda Magazine’s Top Financial Professionals in 2022. Colin is currently President of the MassMutual Advisors Association, a volunteer position representing the over 7500 financial advisors that are part MassMutual Financial Advisors. He is also a member of the CFP Board, Finseca and NAIFA – all industry organizations that help promote and advocate for the work that Colin does with his clients.

He is actively involved in Leadership Greater Washington (Class of 2014), and is a past member of EODC, the Entrepreneurs Organization for business owners in the DC area, where he was a board member. Colin currently serves on a non-profit board for Alternative Paths Training School, a school that focuses on children with developmental disabilities, is a member of the admissions committee at Congressional Country Club, and was a board member and board chair for For Love Of Children (FLOC), which provides after school programs for underprivileged children.

Outside of work, Colin is an avid automobile racer, CrossFitter, golfer and a big fan of live music and sporting events. He resides in Bethesda, MD, with his wife, Suzanne (who joined Wealth Insight Partners in 2018 to support with business operations and strategy), and their three children, Jackie (14), Sean (11), and Charlie (9).

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Connor wanted to follow in the footsteps of both his grandfather and uncle in the world of finance, to help others achieve their goals while creating close bonds with the individuals and their families. He believes that the philosophy at FFG puts him in the best situation to help others with is client centered approach.

Connor is a recent graduate from Old Dominion with degrees in Finance and Business Analytics. He was a member of the university's Division 1 swim team for four years. Connor joined FFG via the Financial Advisor Apprentice Program.

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I became a Financial Advisor so I could help individuals and businesses do everything in their power never to suffer financial failure. My main goal is to eliminate the worries and stress of “what could derail my success?” in my clients' lives, and help guide them toward a better financial future.

Prior to joining First Financial Group, I worked in business accounting and finance. I gained practical, firsthand experience in how overwhelming it can be to operate a business, and how intertwined your business finances are with your personal finances. Using this knowledge, I help individuals create a cohesive network to ensure their individual and business finances work toward the same goals. Going beyond personal success, I also help in areas like maximizing employee benefits, tax and risk mitigation, executive benefits, retirement plans, income protection, key person strategy, and much more to help achieve your goals.

My home is Virginia Beach, where my family has been for several generations. They have owned a local business for the last fifty years, so I know all too well the trials and tribulations that come with owning a business. Outside of the office, I love to spend time outdoors, so you will most likely find me playing golf, fishing, hunting, or enjoying time with friends. I am an active member in the Old Dominion University and Cape Henry Collegiate Alumni Associations, where I enjoy giving back to those communities. I am an active member of London Bridge Baptist Church, and several volunteer organizations in the area.

I have strategic partnerships with several attorneys, CPAs, and other professionals in the financial space to help you with whatever you may need!

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Preparing for the next step in life isn’t always easy. Whether your goals include preparing for milestone life events like retirement or college, protecting your family's future or you’re simply looking for life, disability income or long-term care insurance protection, I promise a new level of attention, insight and capability. I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs. My goal is to provide families and business owners with assistance in building their financial freedom. I have the skills, knowledge and experience required to help meet my client’s established goals. My personal goal is to become a lifetime resource for each and every client.

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As founder and CEO of Beden Wealth Management, Craig leads an accomplished team in the management of more than $700 million in assets under management and an additional $100 million in assets under administration.*  

Craig collaborates daily with some of the top financial minds in the U.S. Collectively, they share and benefit from the best planning ideas and practices to ensure clients are always provided the foremost thinking in financial and estate planning. His relationships with other financial professionals spans decades and has proven invaluable to his clients. It has enabled his forward-thinking practice to consistently bring to his clients state-of-the-art strategies in financial trends, financial planning, tax strategies and estate planning and access to portfolio management.

Craig earned the coveted CERTIFIED FINANCIAL PLANNER designation (CFP®), as well as the Chartered Financial Consultant (ChFC®), and Chartered Life Underwriter (CLU®) from The American College in Bryn Mawr, PA. He has served as president of the Greater Washington D.C. Chapter of the Society of Financial Service Professionals, president of the Leaders Club of Washington, and has designated a Life Member of the Million Dollar Round Table.
 
Throughout his long career, Craig has achieved many industry accolades including recognition as Forbes’ Best-in-State Wealth Advisor. The Financial Times listed Craig in the British newspaper’s top 400 best financial advisers for 2020. He is a Five Star Wealth Manager award winner.** While it’s nice to receive such accolades, Craig notes the best recognition comes from happy clients.

Craig and his wife Robin reside in Vienna and can often be found in Rehoboth Beach, DE. They enjoy visits from their three daughters: Alyson, a graduate from Georgetown University’s nurse anesthesia program; Dana, who joined Beden Wealth in 2022; and Natalie, a product manager in New York City and running enthusiast like her dad.

Craig serves on the board of the THANC (Thyroid, Head, and Neck Cancer) Foundation. He ran the Boston Marathon the past 10 years, and supports 261 Fearless, an organization whose mission uses running as a vehicle to empower and unite women through the creation of local running clubs, education programs, and social running events.

Originally from New London, CT, Craig is an avid runner, biker, triathlete, skier and adventure traveler. 

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A Vienna native, Dana graduated from the Alfred Lerner College of Business and Economics at the University of Delaware. She began her professional career in a client-facing sales role, learning the importance of customer relationships, business acumen — and grit.

During her years in sales, Dana was a president’s award winner, which further signified an ability to deliver for clients. Witnessing the positive impact her father and his team made on clients and their financial well-being, Dana joined the team to begin a career in wealth management. She is committed to building on the longevity and strength of the firm’s team for generations to come.

Dana splits her time between Washington, D.C. and San Diego, CA. In California, Dana resides with her husband, Robert, and their cherished goldendoodle, Brixton. She enjoys travel, skiing, and tennis.

Dana holds the FINRA SIE®, Series 7 and 66 licenses.

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Daniel brings a wealth of knowledge and dedication to enhancing the financial picture of his clients. He believes the most important aspect of his business is the relationship with his clients. His goal is to positively impact their financial world by finding ways to maximize their wealth, amplify options and diminish risk.

Daniel joined the financial services industry in early 2009. Since then, his energy, drive and enthusiasm for the industry have led him to quickly grow his practice and excel in the financial services world. He has since become involved with agency training and development, assisting many of our advisors and helping them to grow their practices as well.

Daniel attended Stony Brook University and received a Bachelor of Science in Psychology with a concentration in organic chemistry and classical physics. He was a 4 year member of the NCAA Division I men’s soccer team and also played with Academia Quintana F.C. of the Puerto Rico Soccer League; the top flight division in professional soccer in Puerto Rico.

Daniel is currently an active coach at the Three Village Soccer Club where he coaches the Stony Brook Dominators. He was the guest speaker for the National Junior Honor Society and is in the process of establishing a scholarship at Brentwood High School. He is a volunteer of the Adapted Aquatics Program at Stony Brook University. In his free time he enjoys spending time with his family and friends.

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David, a Certified Financial Planner (CFP^®), got his start in the financial services industry as a financial advisor for high-net-worth clients for one of the largest banks in the country. He was introduced to the credit union industry by a family member and jumped at the opportunity to enter the credit union space in 2010. He spent 6 years as a very successful independent financial consultant to credit union executives and their members before he joined the Sheeter Group in 2016.

David has a Finance degree from Miami University. He lives in Loveland, OH with his wife, Becca, and two children.

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With almost 20 years of industry experience, Dawn has an impressive track record of successfully identifying and matching top talent with financial firms in need, while also providing valuable career guidance to candidates. Her ability to build strong relationships and her in-depth knowledge of the industry make her an invaluable asset to anyone seeking to build or expand a successful career in the financial services profession. She is known for her ability to attract, retain, and develop top talent, as well as her deep understanding of the industry's evolving workforce needs.

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After playing professional football, and a three-year career as an executive in the music industry, Demetrius began embarking on a passionate calling in the financial services industry in 2011…..after a close friend lost his father who passed away with no will and no financial security for his family. The death devastated that family emotionally and financially and thrust Demetrius on a personal journey to help families avoid the nightmare his close friend went through.

Since 2011, Demetrius has been educating and working with families to create solutions for their biggest financial worries.  Whether it’s creating a road map for a financially stress-free retirement, leaving a legacy that lasts generations, or how to effectively pay for college for your children and not decimate your retirement nest egg–for families with these financial worries Demetrius could be a godsend.

Demetrius graduated from THE Marshall University in Huntington, West Virginia, where he played wide receiver with two Heisman quarterback finalists…..Chad Pennington and Byron Leftwich.  He currently lives in Prince William County, VA, with his wife Kelli and their two sons.  Demetrius is also an AAU basketball coach for two teams with the United Revolution in Prince William County.

Working with Small Business Owners and Families to Protect and Build Their Wealth

Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

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Preparing for the next step in life isn’t always easy. Whether your goals include preparing for milestone life events like retirement or college, protecting your family's future or you’re simply looking for life, disability income or long-term care insurance protection, I promise a new level of attention, insight and capability. I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs. My goal is to provide families and business owners with assistance in building their financial freedom. I have the skills, knowledge and experience required to help meet my client’s established goals. My personal goal is to become a lifetime resource for each and every client.

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 A native of South Carolina, Dillon provides total financial needs analysis through a network of experienced professionals with detailed knowledge in advisory services, retirement planning, estate strategies, employee benefit and retention services, business continuation strategies, and trust services. When he is not connecting with clients, you can find him on the golf course or enjoying University of South Carolina sporting events with his wife, Laurin, and daughter, Bennett. Dillon is an involved member of the Columbia community and is honored to serve as the board chair of Healthy Learners. He has also served as chair of the Darla Moore School of Business Young Alumni Board and president of the Cayce-West Columbia Rotary Club.

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Dillon Szmala is a Wealth Management Advisor at Valent Wealth. As a Financial Representative, he works with Valent’s team of experienced specialists to help his clients generate wealth, maximize the value of their assets, and enhance their quality of life– all while protecting their financial stability.

Dillon understands better than anyone the importance of planning meticulously for the future. His own airtight plan and hard work helped him become the first person in his family to graduate college and he’s been passionate about helping people achieve their own financial goals ever since. Dillon graduated from the State University of New York at Geneseo with a degree in Business Administration and a concentration in Finance.

Born and raised in Medford, New York, he has lived and worked on Long Island his whole life. In his spare time, he enjoys working on his golf swing and rooting for the Yankees, the Jets or the Knicks.

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Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

Drew's philosophy is simple; educate, empower, enhance. He teaches his clients how to maximize their financial confidence and move towards their ultimate goal of financial freedom. Just married? New parents? College planning? Ready to retire? It doesn’t matter where you are in your financial journey, Drew is passionate about helping his clients define and achieve their financial goals and has been able to see the impact he has had on his clients’ lives.  The satisfaction he receives from helping families protect assets, grow wealth, and achieve their financial dreams inspires him to help more families do the same.

Drew joined First Financial Group in 2019, working out of the firm’s headquarters in Bethesda, MD. Before entering the financial industry, he was a PGA professional with over a decade of working at the area's premiere private country clubs. He currently lives in Clarksburg with his wife Ashley, and their four children: Mia, Hudson, Lincoln, and Addison.

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Conversations about money are often just about... money. Your financial journey is not a series of transactions; it's how you use the resources you have gathered along the way to do the things that are most important to you. Your needs, circumstances, and desires evolve over time, and everyone deserves a trusted circle of experts around them, committed to their growth, prosperity, and protection at every turn.

We help people build a solid foundation for their lives and the generations after them because a good life doesn't have to happen by chance; it happens by design.

Prior to joining First Financial Group, I gained a wealth of experience working at financial services organizations, government agencies, and entrepreneurial incubators, holding leadership roles at Capital One, the General Services Administration (GSA), and SEED SPOT. I also started a non-profit focused on advocating for high-quality STEM education and helped co-found the Washington Leadership Academy, a public charter high school in Washington, D.C.

These experiences taught me how to develop systems to create things that last, no matter the starting point. I aim to use those same lessons to help my clients craft legacies that will stand the test of time.

The power of proper planning, combined with proven systems and guardrails, helps ensure that the future you want is always in your control. Working with me is a partnership where I help you reach the future you want more reliably and faster than you could on your own. My goal is to become a lifetime resource for every client I serve, as I am dedicated to making a difference in people's lives.

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I have over 20 years of experience as a Financial Advisor, helping business owners and their families navigate their way through the unique challenges and opportunities necessary to achieve financial security. In addition to my role as a Financial Advisor, I am a member of the Crankset Group (business advisory and strategic planning) and a Certified Exit Planner (CExP™) through the Business Enterprise Institute. The BEI CExP™ designation is the standard for Exit Planning certification for business owners. My passion is getting “in the trenches” with business owners and their families, key employees, and professional advisor teams. Focus areas:

• Business Owner Exit/Transition Planning – create and implement business owner exit/transition plan road maps; provide input into all facets of the plan road map, including their design, implementation and funding.
• Non-Qualified Key Employee Benefits Planning – design, implement, and provide funding instruments for benefits plans designed for business owners and their key employees; examples include non-qualified deferred compensation, executive and stay bonus, and split dollar life insurance plans.

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Advisors: Schedule a Business Consult

Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

I offer total financial needs analysis through a network of experienced professionals with expertise in:

• Advisory services
• Retirement analysis and programs
• Estate strategies
• Employee benefit and retention services
• Business continuation strategies
• Trust services*

*Trust services offered through the MassMutual Private Wealth & Trust, FSB

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Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

I help individuals and business owners make confident financial decisions by bringing clear structure to their entire financial picture.

Most uncertainty around money comes from decisions being made in isolation. My role is to provide a framework that allows clients to step back, see the full landscape, and understand how each decision fits into the bigger picture so choices are made deliberately rather than reactively.

Every client’s situation is unique. Goals, priorities, and circumstances differ, which is why strategies are built around what matters most to each individual or business owner. The focus is on clarity, coordination, and thoughtful decision making, so actions are taken intentionally rather than out of pressure or urgency.

The result is a flexible, structured process that empowers clients to understand their options, evaluate trade offs, and move forward with confidence as their lives and businesses evolve.

I am prepared to assist clients with their financial plans and help them meet their long-term financial goals. I work closely with my clients and can also work with you. I will help you:

• Define your personal financial goals
• Develop a financial strategy that can help you achieve these goals
• Suggest suitable products and solutions based on your own tolerance for risk and your time-frame
• Implement your strategy with products and services that help meet your needs.

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About
Favorite Sports Team – All UVA Sports

Favorite Book or Movie – The Ultimate Gift

Ideal Dinner Guest(s) – Martin Luther King, Jr.

Qualities I Admire in Others – Honesty; Work Ethic

Professional
In 1981, Ford founded what is today called Ford Mays Wealth Management. He combines decades of vast financial services experience and knowledge with a straightforward approach to financial planning. Aside from the ongoing development of financial plans with clients, Ford continues to build a team that will serve the Lynchburg community for generations to come.

Personal
Ford is the proud father of 3 adult children – Cort, Robert, and Taylor – and happily married to Jeni, with whom he shares a passion for culture, food, wine, and travel.

Education – B.A. in History from The University of Virginia

Professional Designations – Certification for Long-Term Care

Memberships – Board of Directors, New Vistas School

Broker Credentials – #1313864

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I tell my prospects I will be the most conservative advisor they may find. I will help them earn money on their investments while minimizing their losses when possible.

Eight months after the sudden death at 58 of my father, a blue collar worker with $10,000 of life insurance, I became an insurance agent. I didn't want that financial tragedy to follow on anyone, and I have dedicated my career to trying to help people avoid a similar fate.

While serving in the Navy in 1971, I broke my back and spent 90 days in 100% bed rest in Newport Naval Hospital. This experience afforded me lots of time to think about what I was going to do next, and I decided then and there to go to college and make something out of myself. Because of my disability I went to college full time for seven years, paid for by the VA. I met my wife, Cindy, at Syracuse University, which is something I never could have paid for.

I feel like Lou Gehrig, the luckiest guy in the world. I have a great family, wonderful children, and a super wife. I spend four months of each year on a third-generation family home on Cape Cod. I love what I do.

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Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

My goal is to provide families and business owners with assistance in building their financial freedom. I have the skills, knowledge, and experience required to help meet my client’s established goals.
My long term objective is to become a lifetime resource for each client.

Back in college, if you had asked Gerald Radican if he could imagine a career in the financial services industry, the instant response would have been a resounding “no!” Yet in the summer of his junior year, Gerald was offered an internship to work with his brother-in-law, who was then building a financial planning practice in the Washington, D.C. area. Little did Gerald know at the time that his brother-in-law had a hunch he would be good at this business – and that there really was no internship program. “He thought, if I only got a taste of it, I might like it and stay,” laughs Gerald.

That hunch proved to be right on the mark: Gerald was a natural fit, and was licensed as a broker even before he graduated from college. “It was truly a great decision to get into this business and to this day, I am thankful for the guidance I received,” he says.

Now in its third decade of operation, Gerald’s financial planning practice continues to thrive. He attributes the strength of his practice to a commitment to building long term relationships with his clients. “If I can provide suitable advice and excellent service that gets people closer to their financial goals, I’m doing my job,” he says.

Gerald assists clients with diverse needs, ranging from wealth management and financial planning to personal life insurance and executive benefits. Clients experience a comprehensive approach offered through the partners at Veritas Financial, while taking advantage of Gerald’s particular subject matter expertise in risk management and his personal attention to their specific needs. “I help my clients address the financial issues in their lives that they know they should, but for any number of reasons don’t have the time or desire to,” Gerald explains.

Gerald earned his Bachelor’s degree in Economics from Radford University. He is a member of the National Association of Insurance and Financial Advisors, and the Greater Washington Society of Financial Service Professionals.

Outside of work, Gerald enjoys spending time with his family, traveling, and coaching sports. He resides in Lansdowne, Virginia, with his wife, Michele, and their two children.

Fresh out of college 30 years ago, with his Economics degree in hand from the University of Delaware (89), Jerry began his career in the financial services industry. Jerry’s specialty is assisting individuals and families to achieve their financial goals through investment management and diversification. Jerry helps his clients grow their assets, relieve tax burdens, and create financial well-being. This is accomplished through client-specific strategies, such as retirement planning and wealth protection and risk management. In addition to working with his clients, Jerry serves as the firm’s Investment Specialist and Advisor Association (AAX) Representative. He is also a Certified Financial Planner CFP® professional.

Jerry, along with his business partners Robert and Jim, founded Rock Creek Financial in 2018. This partnership provides its clients with a more holistic financial approach to life. Their combined experience and resources lead each client to a more secure financial future.

Jerry resides in Gaithersburg MD, love spending time with his children Nick and Lauren, and rooting on Virginia Tech sports teams…Go Hokies!!

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I am prepared to assist clients with their financial plans and help them meet their long-term financial goals. I work closely with my clients and can also work with you. I will assist you as you:

• Define your personal financial goals
• Develop a financial strategy that can help you achieve these goals
• Suggest suitable products and solutions based on your own tolerance for risk and your time-frame
• Implement your strategy with products and services that help meet your needs.

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Experienced Enhanced Benefits Specialist with a demonstrated history of working in the insurance and benefits industry. Skilled in Employee Benefits, Sales, Cafeteria Plans, Flexible Spending Accounts, Term Life Insurance, and Whole Life Insurance. Strong sales professional with over 20 years experience. 

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Schedule a Consultation

Preparing for that next step in life isn’t always easy. My combination of experience, professionalism and access to a wide variety of products and services can help you meet your financial goals, estate strategies and insurance needs. Whether your goals include preparing for milestone life events like retirement or college, or whether you’re simply looking for life, disability income or long-term care insurance protection, I promise you a new level of attention, insight and capability. Contact me to discuss your financial future.

For over 35 years Grant has enjoyed helping others protect their assets and invest wisely. Grant was born in Dallas, Texas. Growing up in a military family, he lived in many different places including Indianapolis, Indiana. His favorite place however, was Vicenza, Italy where he lived for four years before eventually ending up in Vienna, VA.

Grant attended and graduated from Congressional High School in Falls Church VA. He then traveled to Stillwater, OK. and graduated from Oklahoma State University with a B.S. Marketing degree. Grant also had a basketball scholarship at OSU and was an assistant manager to the team while healing an ACL knee injury. Immediately following graduation, Grant joined the Financial Services industry in 1989.

Grant is an accomplished financial advisor. He is a leader in the industry and was asked to join the management team at Metropolitan Life in 1993. Grant has also been associated with Mass Mutual since 2012.

He has helped recruit, train and develop his own team of agents to service the Northern Virginia area. He is responsible for hiring over 100 agents throughout his career and earned the highest levels of recognition, qualifying for the Chairman’s Council. Grant is a firm believer in staying current on the changing landscape of the financial world. He achieves this through ongoing education and involvement in industry specific organizations.

Grant has helped over 3,500 clients with their financial planning, college funding, and estate planning decisions. His goal is simple, to help everyone become more financially secure. Most important is sharing complex strategies to help optimize retirement income by combining actuarial science and investments. Grant is also a small business owner. He owns multiple Five Guys franchises in Atlanta, GA with more to come. Being a business owner has certainly helped Grant relate to the frustrations of his clients who are also small business owners.

Grant is married to Stephanie Dewberry and together have 6 children and three grandchildren. Grant has lived in Vienna, Oakton, Fairfax, and Lansdowne, but now resides in Arlington, VA, and Naples, FL.  Grant is a passionate sports fan and his favorite sport is football. Grant is a season ticket holder to the Dallas Cowboys and Atlanta Falcons. In his spare time, you may find Grant attending a local Nationals, Redskins, Wizards or Capitals game. He also enjoys playing tennis and golf.

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Knowledge is the key to a successful financial future. I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs. Along with a team of professionals, I offer guidance to my clients to help them reach their financial goals. I can provide comprehensive financial strategies and/or focus on one specific area of need. Protect those you love.

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Hough joined the team in late 2021 as our Director of Marketing and now has the pleasure of being a Financial Services Professional.

Hough grew up in Virginia Beach, graduated from East Carolina University, and now lives and works remotely from Denver, where he enjoys snowboarding, skateboarding, camping, and live music at Red Rocks. He is also an avid woodworker and makes woodcarved picture frames on the side.

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Hough has lived and worked in Virginia Beach all his life. He’s seen the region grow from its small town beginnings into a thriving community with over a million people.

For over 40 years, he’s been helping people identify their vision, and put together the financial pieces to help make it a reality. His professional designations include Chartered Life Underwriter® (CLU) and Chartered Financial Consultant® (ChFC), Accredited Estate Planner® (AEP). Certified Exit Planning Advisor (CEPA).

Away from work, Hough and his wife Kirby enjoy traveling, staying fit and spending time with our family and friends.

"Being physically active outdoors is a very important contribution to my energy level, ” he notes. “Whether it's surfing, skiing, or hiking in the mountains, I always seem to get a spiritual renewal that is so important to my wellbeing".

A community leader, Hough is also involved in civic, non-profit, business and local industry groups committed to helping improve the quality-of-life in the community. He gets particular satisfaction from his work with the Boys & Girls Clubs.

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As a founding partner of Meridian Financial Associates, I am committed to building a first-class team that helps individuals and families navigate the countless financial decisions and obstacles that they encounter on their journey. I’ll work alongside you to co-create a lifetime wealth plan that addresses your unique needs and goals, focuses on your hopes and dreams, using proven strategies to accumulate and protect assets. 

Throughout my life I have devoted myself to education, earning a Bachelor of Arts in Political Science from Bloomsburg University, a Master of Business Administration degree from LaSalle University, as well as the Chartered Financial Consultant (ChFC®) and Retirement Income Certified Professional (RICP®) designations from The American College. These tools and experiences form the foundation of the work I do with those entrusted to me. I would be honored to journey with you!

I am blessed to serve God and my community as the Associate Pastor of Trucksville United Methodist Church, where I have an opportunity to lead worship and focus on mission and community service projects. My wife Allison and I have three amazing daughters, Emma (a Senior at the University of Mary Washington, majoring in Theatre), Abby (a Sophomore at George Mason University, studying Sociology) and Sarah (a Junior at Dallas High School). 

If you have questions about finances (or faith), I’d love to have a conversation with you soon!  Email me at ihastings@meridianfinancialassociates.com or call me at 570.821.1600.

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Knowledge is the key to a successful financial future. I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: advisory services, retirement planning, estate strategies, employee benefit and retention services, business continuation strategies, and trust services. I provide an analysis of your current financial situation and help you: identify financial goals and concerns, illustrate what is being done to reach your goals and deal with concerns, identify gaps, if present, and offer solutions to help fill them. Along with a team of professionals, I offer guidance to my clients to help them reach their financial goals. I can provide comprehensive financial strategies and/or focus on one specific area of need. My goal is to assist families and business owners building their financial freedom. I have the skills, knowledge and experience required to help meet my client’s established goals. My personal goal is to become a lifetime resource for each and every client.

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Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

Knowledge is the key to a successful financial future. I help people protect the ones they love through a variety of financial products and solutions to meet their needs.

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Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

Jim, Financial Advisor, learned about saving and investments from a young age, and has always been mesmerized by the stock market. 

Jim earned an engineering degree from Bucknell University. Jim began his career in project management. He became a financial advisor in 2007. He and his wife Denise have three sons, William, Matthew and Jason. Jim is a member of Vienna Presbyterian Church and is active in the Christian Businessmen’s Connection (CBMC). On nights and weekends, he will most likely be found with his family on a ball field – playing, coaching, or watching any number of sports.

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Whether your goals include preparing for milestone life events like retirement or college, protecting your family's future or you’re simply looking for life, disability income or long-term care insurance protection, I promise a new level of attention, insight and capability. I am committed to building long-term relationships with my clients and helping them reach their goals is my number one priority. Drawing on my knowledge, experience, and world-class tools, I help build financial freedom for my clients.

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I am a Wealth Management Advisor with over 20 years of experience in the Financial Services Industry. Originally from Smithfield, VA, I moved to Washington, DC to attend Howard University where I received my BBA in Finance. Upon graduation, I accepted a position with the Freddie Mac. In order to satisfy my desire to further my education, I decided to pursue my MBA. Two years later I returned to Howard University where I earned a MBA with a Concentration in Finance.

Following the completion of my MBA, I accepted a position with PricewaterhouseCoopers in the Washington Federal Practice. I spent four years with PwC before joining Ernst & Young’s Government and Public Sector Practice. It was while working with these two companies that I had the opportunity to serve as a consultant to some of our country's largest government agencies and Fortune 500 companies.

In May 2012, I decided that my educational background and passion to help others would be best utilized in the financial planning arena and joined Northwestern Mutual Wealth Management Company as a Financial Advisor. In this role, I help my clients and their families achieve financial security through a variety of planning strategies. I currently manage a book of business with over 400 clients across the United States. It is my mission to help my clients build, protect, and maintain generational wealth through strategic and tax efficient financial planning. 

Early in 2023, I joined First Financial Group, a boutique financial planning firm based in Bethesda, MD, that has been working with business owners, executives, and other professionals for over 40 years.

Specialties: Wealth Management | Financial Planning | Retirement Strategies | Planning for Business Owners

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BUSINESS PHILOSOPHY

There are differences between accumulating assets for and plotting a successful retirement. My practice is centered on creating a customized strategy in a holistic manner that helps give a sense of financial security.

Whether you are a business owner, key executive, or gainfully employed, my clients can expect to be fully engaged in the process of forecasting their needs, exploring solutions that will fulfill them, and putting in place a strategy that they can be confident in. Annual reviews of such strategies are a recommended part of the process.

PRODUCTS AND SERVICES

• Retirement Funding Strategies

• SP, 401k, 403b, & 457

• Wealth Management services

• Proprietary and non- Proprietary Fixed and Variable Annuities

• Proprietary and non- Proprietary Life, Disability, & Long-Term Care Solutions

• Estate Conservation Strategies

• Education Funding Strategies

• Group Benefit Plans

• Fee-Based Financial Planning

QUALIFICATIONS

• More than 15 years of industry experience in operations and wealth management

• Licensed for Life, Health

o MD, VA, DC, MN, FL, NC, DE & WV

• Licensed for Variable Life and Annuity Products

o MD, VA, DC, NY, & WV

• Registered to offer securities products

o MD, VA, DC, NY, & WV

• Investment Adviser Representative of MML Investors Services, LLC.

• Transition Solution Specialist

• Bachelor of Arts, History, The Catholic University of America, DC

• Associate of Arts, Mass Communication/Journalism, Miami Dade College

ORGANIZATIONS

• Member, Phi Theta Kappa

• Alumnus, The Catholic University of America

• Miami Dade College

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Jameson Lett is a Financial Advisor with a practice based in Columbus, Ohio. He loves the challenge in honing his craft and all of the unique clients he gets to work with. But the path to get to where he is today was less than conventional.

Weary of the traditional advisory model with its narrow focus and cookie-cutter advice, Jameson graduated from The Ohio State University and chose a different path: He spent 5 years working with people with developmental disabilities to help them achieve meaningful employment and community engagement. The work was never boring and elicited its own reward, but Jameson saw the way that thoughtful financial planning could drastically enhance people’s lives, particularly when medical complexities were part of the equation. Unable to shake the entrepreneurial itch, he began laying the foundation for his future business in 2012. Through the help of others and with a healthy mix of creativity and grit, Jameson launched his practice in the early Spring of 2013.

Over the years Jameson has developed and refined a planning process that helps people see their financial world in a way they often never have before. Today he is proud to run a comprehensive planning practice that delivers custom-tailored strategies to other business owners, investors, aspiring entrepreneurs, and the many other professionals and families that make it all possible. Best of all, Jameson is still fortunate to advocate for people with developmental disabilities. In addition to working with the families and businesses that operate in this space, Jameson also serves on the board of directors for I Am Boundless, one of the largest and fastest growing service-providers in Ohio.

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Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

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Jay is an experienced executive benefits consultant and has worked in the financial services industry since 1988.  He specializes in the design, implementation, financing and ongoing administrative support of supplemental executive retirement plans specifically tailored to credit unions. He has served in various capacities with CUNA Mutual Group, Members United Corporate Credit Union, Pentagon Federal Credit Union, Point Loma Credit Union and San Diego County Credit Union.

Jay’s experience includes time served as an Executive Benefits Specialist and a National Accounts Executive as well as President of Pentagon Federal Financial Services, Manager of Point Loma Services and an internal auditor. His specialties include Executive Benefits, institutional investments and balance sheet analytics, retail investment and insurance CUSO/program management and internal audit.

Jay earned a BBA with an accounting major from Iowa State University.  He is FINRA securities registered with a series 7,24,63 and 65 and holds life, health and variable life insurance licenses. He resides in Carlsbad CA with his wife and two children.

CRN202210-270498

Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

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Jen was born and raised in a small town in Northeast Nebraska. She grew up on a multi-generation farm where she learned the value of hard work. Jen attended Wayne State College where she received her Bachelor of Science degree in 1998. One week after graduation she relocated to Des Moines.

She began her career in financial services in 2009 when she joined Financial Architects, Inc. Her reason for becoming a financial professional is deeply personal. She repeatedly saw many individuals, families, and professionals struggling to find the help they needed to map out their financial future. Their plans were not optimal and many of their plans failed. No plan is still a plan.

Jen has a passion and a skill for serving and helping people to identify their understand and attain their financial goals. She is confident that arming her clients with a greater knowledge of personal finance, they will be better prepared for the future. In turn, she is able to help clients maximize wealth along with meeting their specific financial and protection needs.

When away from the office, you can find her fund raising or volunteering for nonprofit organizations. She lives into the belief of donating time, talent, and resources and strives to impart those values to those who cross her path.

In her leisure time, Jen enjoys traveling within the U.S. and abroad. She’s also spends time on I80 going to and from her hometown where her family resides. Having spent twenty plus years in Iowa, Jen proudly calls Iowa home and is very thankful for her Midwestern roots.

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I take great pride in getting to know each client personally, allowing me to understand their unique needs and what matters most to them. This approach enables me to recommend tailored products and strategies that address both their current and future goals.  I conduct a comprehensive analysis of your financial situation to help you:

• Identify your financial goals and concerns
• Illustrate the steps being taken to reach those goals
• Spot any gaps and provide effective solutions to bridge them

Whether your objectives involve preparing for significant life milestones like retirement or college, protecting your family’s future, or securing life, disability income, or long-term care insurance, I am dedicated to delivering a new level of attention, insight, and capability.

My mission is to assist families and business owners in achieving financial freedom. With the skills, knowledge, and experience I bring, I aim to meet your established goals while becoming a lifelong resource for you.

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Jerry has been active in the financial services industry for over 40 years. Jerry retired as General Agent of The Washington Group of MassMutual in 2004. Realizing that families with special needs members face unique financial challenges, he started The Washington Group Special Care Planning Team. The Washington Group Special Care Planning Team’s mission is to help make a positive difference in the lives of individuals with special needs, their caregivers, and other family members. Their knowledgeable and dedicated special needs planners assist families with developing valuable financial strategies and creating strategic financial solutions that integrate with government programs. The Special Care Planning Team has developed a unique network of professionals within the special needs community. This devoted network assists families, not only with their financial planning, but also provides a wide range of expertise to fit the diverse concerns of individuals with special needs and their families.

A pioneer and advocate for the special needs community, Jerry has spoken across the country at various conferences, forums, and panels dealing with issues and planning for the special needs community (World Congress on Disabilities, Academy of Special Needs Planners Conference, National Down Syndrome Congress, ATAXIA Conference, NDSS Adult Summit, Huntington’s Disease Society of America, Disease etc.). He has been a guest on numerous radio talk programs (Hugh Hewitt Show, Sirius XM’s Dr Radio Show, etc.).

Jerry received the Chartered Special Needs Consultant (ChSNC) designation on June 1, 2011. He was a part of the first conferment by the American College regarding the new ChSNC designation. Jerry earned his Chartered Life Underwriter (CLU), and Chartered Financial Consultant (ChFC) designations also from The American College. Jerry is also certified in Long Term Care (CLTC). He holds a Life/Health Insurance license and Series 7, 63, 24 & 65. Jerry graduated from Virginia Tech in Blacksburg, Virginia.

CRN202206-266542

About
Favorite Sports Team – New York Yankees

Favorite Book or Movie – Legends of the Fall

Ideal Dinner Guest(s) – My Grandparents

Qualities I Admire in Others – Kindness; Generosity; “Can Do” Attitude; Entrepreneurial Spirit

Professional
Jesse began his financial planning career in 2008, and became a partner with Ford Mays Wealth Management in 2010. His strategic and creative approach assists in the development of unique solutions for our clients. Jesse focuses on developing financial plans that address current needs, prepare for the future, and last a lifetime.

Personal
Jesse is married to Heather, and they are the proud parents of 2 children, Matthew and Kayla.  Jesse and Heather are Lynchburg transplants, but after more than 20 years, Lynchburg has become home. Their favorite family activity is attending Liberty Flames football and basketball games.

Education – Masters in Business Administration from Liberty University; B.S. in Business from Liberty University

Broker Credentials – #5619053

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James “Jim” Hanagan, J.D. is an Arlington native and practiced law for 16 years before starting his financial services career in 1993.

Jim received a B.A. in psychology from The University of Virginia and graduated from William and Mary’s Marshall-Wythe School of Law. He is a member of the Virginia Bar Association, including membership in the VBA’s Trust and Estate Section.

He holds Series 6 and 63 registrations with FINRA and is licensed in Virginia, Maryland and the District of Columbia to sell life, accident/health, variable insurance and securities products.

Jim is active in the youth sports, business and non-profit communities. He served on The City of Alexandria’s Youth Sports Commission, and coached a variety of baseball, basketball and soccer teams when his sons were playing sports. Jim also served on the board of directors for the Alexandria Chamber of Commerce and was also a board member and president of the Eisenhower Avenue Public-Private Partnership.

He has served on the parish council for Blessed Sacrament Church, and on the board of directors for the Ronald McDonald House, the Ronald McDonald Pro-Am Golf Tournament, the Capital Hospice Foundation Board, the Alexandria Center for Employment, and the Alexandria Senior Citizens Service Center, including three terms as president.

A graduate of Gonzaga College High School, Jim is a past president of the Gonzaga Fathers Club. He has co-chaired the Gonzaga D.C. Classic Basketball tournament and is a member of the steering committee for the Gonzaga Business Network. He is also a member of the Alexandria Chamber of Commerce.

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Jim began his financial services career in 1999, after graduating from James Madison University (JMU) in Harrisonburg, Virginia.  Although a departure from the energy and environment concentration of his degree, the prospect of having a meaningful impact  on people's lives through problem solving on a personal basis was alluring; being able to learn from and with his parents in a professional capacity was also a wonderful opportunity!

In addition to his Bachelor of Science in Integrated Science and Technology from JMU, Jim has earned a Certicificate in Financial Planning from the Florida Institute of Technology.  His professional designations include CERTIFIED FINANCIAL PLANNERTM professional (CFP®), Chartered Financial Consultant (ChFC®), and Chartered Life Underwriter (CLU®).  Jim is serving clients of all ages and means while helping them meet their goals and reduce their financial stress.

Outside of work, Jim enjoys coaching and playing rugby, playing and listening to music, fixing and driving old cars, and renovating his home in Broad Run, Virginia.  Animals, children, and time with friends and family bring joy.  Learning and doing new things while helping others brings satisfaction. 

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Jim Wehr graduated from Georgetown University in 1978 and began a career in the financial services industry that same year. He is the Past president of the Leaders Club of Washington and is a member of the Greater Washington Association of Insurance and Financial Advisors, The Society of Financial Services Professionals, The Accountants Society of Virginia, and the Potomac Business Alliance.

Jim is active in charitable causes. Currently he is the President and Chairman of the Board of Loudoun County Habitat for Humanity.

Jim and his wife Sandy, along with their three sons, Michael, Danny & Jack, live in Hamilton, Virginia. They currently have two sons at the University of Mary Washington in Fredericksburg, Virginia. Jim enjoys fishing, watching his sons play Rugby, and has a passion for classic cars. He is currently building a replica of a 1965 Ford Cobra in his garage.

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James, who is more commonly called “Jimmy,” is a CERTIFIED FINANCIAL PLANNER™ professional with J.L. Hicks Financial Group, located in Tysons, Virginia. Jimmy’s broad knowledge of insurance and investment products can give his clients the confidence they need when working with a financial planner.

Jimmy is a graduate of the Darden School of Business at the University of Virginia, which is also where he earned his undergraduate degree. He’s a Four Under Forty Award Recipient awarded on 2/4/2020 by the Greater Washington Association of Insurance and Financial Advisors (NAIFA), Formerly on the Board of Directors for the Falls Church City Chamber of Commerce (2017), a member of the Washington, D.C. Estate Planning Council, and a Court of the Table Qualifying Member of the Million Dollar Round Table since 2022. He lives in Vienna, Virginia with his wife Debora, daughters Julia and Laura, and their feisty Pomeranian “Chi-Chi.”

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Joe Kennedy is the co-founder of The Z Group, where he helps business owners and high earners rethink what’s possible with their money. His approach starts where most financial advice stops—by asking the questions most people don’t even know to ask.

With over a decade of experience, Joe rejects the rigidity of static strategies and outdated assumptions. In his view, real planning should evolve with real life—and it should always begin with the end in mind. That’s why he collaborates with clients to build flexible, forward-thinking strategies designed to help unlock limitless opportunities—not just help them survive uncertainty. At The Z Group, plans Start with Z—because we believe clarity about where you're going fuels confidence in the decisions you make today.

He’s on a mission to transform uncertainty into opportunity—replacing confusion with clarity and helping clients move with purpose in a world full of unknowns.

A proud Georgia native, Joe lives in Gainesville with his wife, Angie, their son Peter, and their cockapoo, Bubs. He graduated from Oglethorpe University, where he balanced life on the basketball court with success in the classroom. These days, the basketball shoes stay in the closet (his knees send their thanks). When he and Angie are not traveling or discovering new restaurants, you can find him golfing for reading a good book.

Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

I am a Business Development Executive with Coastal Region Benefits in Virginia Beach.  We work with Business Owners to enhance their employee Benefits Packages.  We provide analysis and proposals for a multitude of carriers.  

I strive to become a great resource for Business Owners.  Enhancing employee Benefits drives loyalty and assists with hiring and retention.  Benefits can be set up at little or no cost to the owner. 

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You’ll be part of an entrepreneurial system with the freedom to provide solutions for your clients from a broad portfolio of innovative products and services. If you qualify, you’ll get concierge-level business and marketing support so you can focus on meeting with clients.

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Specializing in Helping to Preserve the Financial Integrity of the Family!

I build long-term relationships with my clients and guide them to reach their full financial potential. Through financial education, I help clients develop effective strategies to help make their family’s financial goals, dreams and desires come to fruition. Products do not solve problems, strategies do.

What do you see? What don’t you see? Most of life’s accidents and unintended consequences come from the things we do not see and do not know. I help my clients see what is actually happening to their money, and to uncover the truth about how money works in financial products and the economy, so they can make the right decisions and create the right strategies for themselves.

I am passionate about helping and being a resource for others. I have seen a lot of financial ruins in my life, because people either received bad advice, lack of planning or had intentions to do something, but never did. I want to prevent people from making the same mistakes others have made before them.

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Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

Visit Website

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs. Whether your goals include preparing for milestone life events like retirement or college, protecting your family's future or you’re simply looking for life, disability income or long-term care insurance protection, I promise a new level of attention, insight and capability.

I provide an analysis of your current financial situation and help you: identify financial goals and concerns, illustrate what is being done to reach your goals and deal with concerns, identify gaps, if present, and offer solutions to help fill them. I also help people protect the ones they love through a variety of financial products and solutions to meet their needs.

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Preparing for the next step in life isn’t always easy. Knowledge is the key to a successful financial future. Protect those you love. I am dedicated to making a difference in people’s lives.

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At Freedom Point, we provide an excellent client experience through commitment and service.

After years in the business, we have developed a reputation for educating individuals in an easy-to-understand manner so they can grasp personal finance and use those concepts to pursue their financial objectives. 

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I provide an analysis of your current financial situation and help you: identify financial goals and concerns, illustrate what is being done to reach your goals and deal with concerns, identify gaps, if present, and offer solutions to help fill them.

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JulieAnn Hepburn is an advisor at Valent Wealth, LLC, an independent full-service wealth management and financial planning firm. With over 31 years of experience, JulieAnn brings a wealth of expertise to her clients. She previously ran her own firm for over 20 years and is now a charter member of Valent Wealth, LLC. She is also a proud member of the Exit Planning Institute, Legacy Advisor Network (LAN), and Finseca.

Areas of Expertise

• Business Planning Excellence: JulieAnn implements efficient and measurable processes to ensure business owners are always prepared for their exit, helping them achieve best-in-class value.
• Protection & Risk Management: She specializes in strategies that safeguard both businesses and personal wealth.
• Long-Term Care Planning: JulieAnn provides tailored solutions to protect clients' financial security for the future.
• Investment Coaching: She educates clients on scientifically measured investment strategies, guiding them toward building wealth and achieving peace of mind.

Certifications

As a Certified Income Advisor and Certified Exit Planning Advisor (CEPA), JulieAnn ensures that business owners and their employees optimize cash flow, addressing one of the most critical aspects of financial planning.

Collaborative Approach

JulieAnn is well-connected with top professionals nationwide, collaborating with best-in-class advisors to meet the diverse needs of her clients. Known as a valuable resource and connector, she is dedicated to serving her clients with comprehensive planning and protection strategies.

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Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

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Karen Poore is a financial planner and financial services representative with First Financial Group advocating financial responsibility. Her professional services include:

~ Family Legacy Planning

~ Business and Estate Planning

~ Retirement Planning Strategies

~ Wealth Accumulation Strategies

~ Wealth Distribution Strategies

~ Life Insurance, Disability Insurance and Long-Term Care Insurance Strategies

~ College Education Funding Strategies

~ Executive Compensation Plans

~ Charitable Giving Strategies

5716 Kennett Pike, Suite E
Centreville, DE 19710
Office: (302) 502-1500
Fax: (301) 907-0779

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Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

Kevin Heninger is the Director of Operations as well as a Senior Design Consultant at CFM. Kevin is responsible for helping the firm scale its operations and achieve its strategic vision. Kevin was born and raised in Virginia Beach, Virginia and attended Old Dominion University, where he received a Bachelor’s Degree in Marketing while playing on the baseball team. Prior to joining CFM in 2018, Kevin spent the last 12 years at a large mutual fund company. Some of Kevin’s previous roles included assisting shareholders and advisors with various questions regarding their accounts, managing a team of associates, designing and facilitating training for associates on numerous topics, and a brief time in the operations department where he was responsible for pricing some of the securities that make up the mutual funds.

When not at work, Kevin and his wife enjoy spending time with their daughter. They also enjoy traveling, supporting their favorite sports team (Go Tarheels!), going to concerts, and anything Disney.

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Kevin joined J.L. Hicks Financial Group in January 2022 and is an experienced investment advisor with a decades-long career working in the financial services industry. Kevin leverages his broad experience providing comprehensive wealth management advice to business owners, executives, high net worth individuals and families. Services include Investment Management and Asset Allocation Strategies, Business Continuation & Exit Planning, Executive Benefits, Estate & Charitable Planning, and Insurance Services. Kevin is a graduate of the University of Maryland with a degree in Finance.

Over the past twenty years, Kevin has been active in youth sports as both a coach and parent volunteer. Kevin has coached lacrosse, basketball, baseball, and soccer in both the Bethesda and Vienna/Fairfax communities. When he’s not working with clients, Kevin enjoys golfing, skiing, and going to the gym. He loves to spend time with his three children Kelly, Megan, and Brian when they are home from college.

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Preparing for the next step in life isn’t always easy. Kevin’s combination of experience, professionalism and access to a wide variety of products and services can help you meet your financial goals, estate strategies and insurance needs. Whether your goals include preparing for milestone life events like retirement or college, protecting your family's future or you’re simply looking for life, disability income, or long-term care insurance protection, he promises a new level of attention, insight and capability. 

Kevin is prepared to assist clients with their financial plans and help them meet their long-term financial goals. He works closely with his clients and can also work with you.  He will assist you as you:

Define your personal financial goals
Develop a financial strategy that can help you achieve these goals
Suggest suitable products and solutions based on your own tolerance for risk and your timeframe
Implement your strategy with products and services that help meet your needs.
Kevin will tailor his advice so that it will always be in the best interest of each client.

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Kristin empowers her clients to be proactive in building a strong financial foundation to ensure a lasting good life for the people they care about most.

Many of her clients are good savers, however they are burdened by high taxes, the rising cost of living and many other financial threats.

She offers leadership and financial education that helps restore financial balance to their lives and focuses on reducing threats that drain wealth.

The Process:

• Completes a thorough review of their financial picture including benefits, cash flow, insurance, investments, debt and legal documents.
• Helps them recapture money lost on their balance sheet because of uncoordinated strategies.
• Teaches them to manage their money by controlling the “controllables”. She gives them the tools to become masters of their own cash flow and to make money decisions that are balanced and coordinated.
• Helps them discover and understand products that are uniquely suited to them. This enables them to potentially maximize their wealth over time without taking more risk than necessary to achieve the fulfillment of their goals
• Employs a team of financial professionals both within Valent Wealth as well as other professionals such as tax, legal or insurance specialists as resources for her clients.

Planning is a process not an event. For this reason, Kristin is committed to working with her clients as their lives evolve, their business and families grow, and their financial picture changes.

I am prepared to assist clients with their financial plans and help them meet their long-term financial goals. I work closely with my clients and can also work with you. I will assist you as you:

• Define your personal financial goals
• Develop a financial strategy that can help you achieve these goals
• Suggest suitable products and solutions based on your own tolerance for risk and your time-frame
• Implement your strategy with products and services that help meet your needs.

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Kyle was born and raised in Washington, DC, and moved to Columbia in 2009 to attend the University of South Carolina. It’s there that Kyle met his now wife, Katie, and decided to put down roots in Columbia. Kyle is a certified financial planner® with over a decade of experience and specializes in retirement planning. When Kyle is not helping his clients, you can find him spending time with Katie and their two daughters, Ava and Claire, attending Gamecock events, golfing, or enjoying the outdoors. Kyle gives back to his community through his involvement in Carolina Sunshine For Children, an organization dedicated to granting wishes and positive experiences for children in South Carolina with life-threatening illnesses.

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Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

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I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs. My goal is to provide families and business owners with assistance in building their financial freedom. I have the skills, knowledge and experience required to help meet my client’s established goals. My personal goal is to become a lifetime resource for each and every client. Whether your goals include preparing for milestone life events like retirement or college, protecting your family's future or you’re simply looking for life, disability income or long-term care insurance protection, I promise a new level of attention, insight and capability. I assist clients and help them meet their long-term financial goals. I work closely with my clients and can also work with you to:

• Define your personal financial goals
• Develop a financial strategy that can help you achieve these goals
• Suggest suitable products and solutions based on your needs
• Implement your strategy with products and services that help meet your needs.

Disclosures: I am licensed to sell life and health insurance in MD, DC, and VA. MassMutual refers to Massachusetts Mutual Life Insurance Company.

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Connect with me on Calendly

Protect those you love. I help people protect the ones they love through a variety of financial products and solutions to meet their needs. I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs. Whether your goals include preparing for milestone life events like retirement or college, protecting your family's future or you’re simply looking for life, disability income or long-term care insurance protection, I promise a new level of attention, insight and capability.

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Lloyd is the CEO of First Financial Group (FFG), one of the largest independently owned financial services firms in the Mid-Atlantic. With the simple philosophy of helping people live better lives, First Financial Group has been protecting and building the wealth of Washingtonians for over 30 years.

As a business owner, Lloyd lives with and truly understands the unique set of challenges and opportunities of local entrepreneurs and business owners. Our Business Strategies Group and First Financial Group Benefits are focused on helping small to mid-sized businesses meet those challenges and leverage those opportunities.

Lloyd cares deeply about helping people find financial independence and live better lives. If this resonates with you, please reach out to Lloyd -- he is always looking for like-minded individuals to join our firm.

Malcolm Terrell was born in Gaithersburg, MD, a suburb of Washington D.C. After high school, he attended Morgan State University in Baltimore, Maryland. After doing more partying than studying, he decided to take his talents to the United States Navy. While serving in the military, he received his Master’s in Accounting and Financial Services from Liberty University. Upon finishing his nine years of Naval Service, Malcolm took an externship, which allowed him to transition into the financial services industry.

Malcolm works with great families and first-generation business owners to organize their finances and help protect their greatest asset -Cash Flow. All too often, his clients wanted better out of life but needed to learn how to develop a process to achieve those results. He became that resource to educate and, by implementing a financial plan, to discover and evade events that could derail them from financial success.

Malcolm is married to his lovely wife, Anise, and they have two beautiful children, Skylar and Callum. Malcolm enjoys golfing, fishing, and watching all sports in his free time.

Mark is responsible for overseeing Beden Wealth Management’s compliance and regulatory obligations and advises financial planning clients. He joined the firm in 2004.

Mark is a native of West Hartford, CT, and began his career as an agent for MassMutual before finding his interest and niche in financial planning.

A graduate of The University of Rhode Island with a Bachelor of Science Degree, Mark holds a Series 6, 7, 63, 65, 24 and 53 registrations with FINRA. He also holds an executive certificate in financial planning from Georgetown University.

Mark enjoys canoeing, camping, hiking, photography, and playing guitar. He is a volunteer in the community and served the Arthritis Foundation, and National Capital Chapter of the Business Ethics Award.

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Mary Grate-Pyos, MBA, considers herself a “Proud Geek in Pearls” and is determined to make a difference and have impact in the lives of others through financial literacy, simple wealth strategies and financial wellness discussion for peace of mind.

She has been a MassMutual Financial Advisor for the past 18 years and is a Certified Family Business Specialist, assisting business owners and families in building a solid financial foundation and create strategies for legacy building and generational wealth. Her work helps business owners, entrepreneurs and families to position for financial peace of mind and address the risks and threats that can negatively affect their vision and financial goals.

Mary is a trained mathematician, earning her B.A. degree from Newberry College, Newberry, South Carolina, and earned her MBA from Syracuse University, Syracuse, New York. She completed training in the Certified Leadership Development Program at George Washington University, Washington, DC, and training in “Resilient Leadership” from Babson College, Wellesley, Massachusetts. She has served as a mentor to business owners in the MassMutual Diverse Business Program at Tuck School of Business at Dartmouth.

Ms. Grate-Pyos is an author; a former newspaper Columnist, and previously a ‘Financial Expert’ on the syndicated radio show, “Serving Up Soul.”

She is a member of the Board of Trustees at Newberry College; a Resource Partner for the CEO Business School (Leesburg, VA) and a Presenter for WBENC We Thrive, serving and educating certified women business owners about business valuation and risk management strategies. She is a past board member of the Greater Washington Chapter of the National Association of Women’s Business Owners (NAWBO) and Dress of Success, Washington, DC.

She is located in Northern Virginia and is licensed and positioned to serve clients in 23 states. She can be reached at mgrate-pyos@financialguide.com; calendly.com/mgrate-pyos, and on LinkedIn.

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I am dedicated to making a difference in people’s lives. My background, experience and commitment to providing you with the resources you need to make financial decisions, can help make your financial future as successful as you need it to be. I offer an analysis of your current financial situation and help you to identify financial goals and concerns, illustrate what is being done to reach your goals, and identify gaps, if present, and offer solutions to help fill them.

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Maryann works both in the business, and on the business.

She joined Beden Wealth in 2007, bringing us her deep understanding of operations to help us provide a world-class client experience. Since that time, she has gained her designation as a CERTIFIED FINANCIAL PLANNER(™), the Certified Investment Management Analyst® (CIMA®) designation, the Certified Divorce Financial Analyst® designation, and works directly with clients to help them achieve their life goals.

Her dedication to being a student of financial planning has tremendously grown her knowledge base over the years. She collaborates with the top operations and investment professionals in the U.S. to bring best practices to our clients to ensure they are getting the most leading-edge experience possible. 

Maryann completed the Yale School of Management’s CIMA certification registered education program in Investment Management Theory & Practice, and gained a financial planning certificate from The American College in Bryn Mawr, PA.

Maryann holds Series 6, 7, 63 and 65 registrations with FINRA.

Maryann received a bachelor’s degree in music from Rice University and a master’s degree from the Peabody Conservatory at Johns Hopkins in flute and music.

Maryann lives in Reston, VA with her husband Boris. She practices yoga, loves riding the spin bike with the Peloton community, and freelances as a classical musician.

Maryanne joined Jim at MetLife in 1989 while concurrently serving as a Nurse Corps Officer in the United States Navy Reserve from which she retired in 1995 having the honor of becoming the first woman promoted to flag rank.  Maryanne's professional designations include CERTIFIED FINANCIAL PLANNERTM (CFP®) professional, Chartered Financial Consultant (ChFC®), Certification for Long Term Care (CLTC®), and Life Underwriter Training Council Fellow (LUTCF®). 

At MetLife she was able to combine her background in nursing and gerontology with the advent of long term care planning as an area of specialization.  In addition, she developed and taught beginning and advanced courses on long term care for two professional associations in Northern Virginia.  Upon her transition to MassMutual Capitol District in 2016, Maryanne focused on assisting families to meet the daunting challenges associated with living longer, dealing with the aging process, and the planning issues for long term care.

 Maryanne's degrees include:

Doctor of Humane Letters (Honoris Causa) - LaSalle University
Master of Arts in Education - George Washington University 
Master of Arts Certificate in Gerontology - George Mason University
Bachelor of Science Nursing - University of Pennsylvania
Certificate in Financial Planning - Florida Institute of Technology
She is active in her church and community.  As the mother of four and grandmother of ten, her family is a source of great joy. 

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Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

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Matt works with high and ultra high net worth business clients to bring together the right team of advisors and affiliated Subject Matter Experts to serve their advanced business planning needs. 

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Maurice Clarke is the President of CFM. He was introduced to the financial industry while still in high school and has professionally worked in the industry since 2005. His success and passion for the industry led him to incorporate his own firm in 2008 and officially opened the doors to CFM in 2012. Maurice is responsible for the vision, mission and implementation of CFM's strategic plan.

Maurice is a graduate of Norfolk State University with a Bachelor of Science in Economics. He holds his Series 7, 63 and 66 licenses along with his Life, Health, Annuity and Variable Annuities licenses. Maurice was born in Freiburg im Breisgau, a city in Baden-Württemberg, Germany. He grew up in Columbia, Maryland and has been a Virginia resident since 1999. When away from the office, he spends his time with his wife  and their two children. 

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Michael founded Woodmont Wealth out of a desire to enhance and expand  his clients' experience, with the resources of the industry’s leading financial institutions, to offer a more sophisticated and robust platform that focuses not only on where you are, but where you aspire to be.

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Michael Blank is the Executive Vice-President of The Sheeter Group and has over 17 years of insurance and financial services experience, specializing in non-qualified deferred compensation and succession planning specifically for credit unions. Michael oversees the compliance and regulatory aspects for all plans implemented at The Sheeter Group including the development of a pre-purchase analysis and compliance documentation. He understands the unique aspects of customized plans and implements, monitors and maintains a comprehensive risk management process for the Credit Union.

Michael first met Andrew Sheeter in 2001 while working at Benmark and reunited with him at The Sheeter Group in 2015.

A specialist in the design, implementation and administration of non-qualified plans for Credit Unions, he also works closely with prospective and existing Credit Union clients to develop financial strategies to offset costs associated with new and existing benefit plans. Michael is a graduate of the University of Georgia and lives in Marietta, Georgia with his wife and three children.

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I am dedicated to making a difference in people’s lives. I am committed to building long-term relationships with my clients and helping them reach their goals is my number one priority. Drawing on my knowledge, experience, and world-class tools, I help build financial freedom for my clients. My goal is to provide families and business owners with assistance in building their financial freedom. I have the skills, knowledge and experience required to help meet my client’s established goals. My personal goal is to become a lifetime resource for each and every client.

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I offer total financial needs analysis, including access to trust services, through a network of experienced professionals with detailed knowledge in:

• Retirement income solutions
• Estate strategies
• Employee benefit and retention services
• Business continuation strategies

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Preparing for the next step in life isn’t always easy. I offer total financial needs analysis, including access to trust services, through a network of experienced professionals with detailed knowledge in:

• Retirement income solutions
• Estate strategies
• Employee benefit and retention services
• Business continuation strategies

My goal is to provide families and business owners with assistance in building their financial freedom. I have the skills, knowledge and experience required to help meet my client’s established goals. My personal goal is to become a lifetime resource for each and every client.

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I am prepared to assist clients with their financial plans and help them meet their long-term financial goals. I work closely with my clients and can also work with you. I will help you:

• Define your personal financial goals
• Develop a financial strategy that can help you achieve these goals
• Suggest suitable products and solutions based on your own tolerance for risk and your time-frame
• Implement your strategy with products and services that help meet your needs.

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Michael graduated from the Martha and Spencer Love School of Business at Elon University with a B.S.B.A in International Business and a minor in Economics. He joined the team in 2024 with over 10 years of business development experience working for large institutions and start-up companies. He holds his SIE, Series 7 and Series 66 licenses in addition to being licensed for life and health insurance.

After graduating, Michael lived in the DC area for roughly nine years which is where he met his wife Alyson Beden. They currently reside in Boston with their son Ezra and love to travel, ski, cook, exercise and spend quality time together as a family. Michael is also a drummer, passionate about music, the arts and is an avid sports fan.

Michael’s passion for the wealth management industry developed as he witnessed first-hand the freedom and peace-of-mind that sound financial advice can provide. He credits these experiences to his mother, father and to his many conversations with Craig Beden.

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Misha's journey began over 33 years ago, stepping into the world of financial services with a brief stint at a major agency. However, that initial encounter left her disillusioned, perceiving financial advisors as mere salespeople driven by profit motives. This experience ignited a fire within her to reshape the industry's image and practices.

In 2013, Misha's perspective underwent a profound shift. She discovered her true calling in working with clients, embracing a holistic methodology that considers every facet of their financial well-being. Yet, her divergence from conventional investment practices persisted. It wasn't until 2015 that she encountered Matson Money, a revelation that aligned with her values. The academic and thoughtful approach to investing presented by Matson marked a turning point in her career.

Embracing Matson Money's principles, Misha ventured into the role of a Matson coach in 2017. Guided by the academic underpinnings of investing, she helped clients make informed decisions rather than speculating in a tumultuous market. Taking a bold step in 2018, Misha broke away from the confines of a large firm, establishing her own Registered Investment Advisory (RIA) practice. This move allowed her to better serve her clients' unique needs and aspirations.

Now collaborating with Valent Wealth, Misha is thrilled to enhance her clients' financial journeys by offering an expanded array of options and services. As a devoted Matson Coach, she is excited to be able to work alongside a dedicated team that shares her unwavering commitment to academic investing principles.

Beyond her professional accomplishments, Misha is a proud Denver resident who is married and is Mom to exceptional girls; her 14-year-old daughter and 13-year-old bonus-daughter. Her diverse passions mirror her multifaceted approach to life: from boxing to roller skating, scuba diving to nurturing her delightful menagerie of animals.

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With over 32 years helping his clients live their best financial lives, Mo’s philosophy is simple. He teaches his clients how to maximize their financial confidence and move towards their ultimate goal of financial independence. Just married? New parents? College planning? Ready to retire? It doesn’t matter where
you are in your financial journey, Mo is passionate about helping his clients define and achieve their financial goals. Throughout his career, Mo has been able to see the impact he has had on his clients’ lives. The satisfaction he receives from helping families protect assets, grow wealth and achieve their financial dreams inspires him to help more families do the same.

Mo has been a member of the First Financial Group for over 28 years. He has consistently earned recognition through his former broker dealer Park Avenue Securities' and Guardian’s Leaders Club and Executive Club Awards as well as many FFG service awards including Associate of the Year. Mo is a member of the Million Dollar Round Table Award (MDRT), an organization representing the world’s top 4 percent of financial advisors who possess the highest standards of ethics, knowledge, service and productivity.

Mo grew up in Hingham, Massachusetts and Rockville, Maryland. He graduated from St. Mary’s School, Gonzaga College High School and the University of Maryland - College Park. He lives in Chevy Chase with his wife Peggy and his children, Caroline, Grace, Quinn and his dog, Beau. During his free time, he likes to spend time with his family in Bethany Beach or Lake Anna. He also enjoys playing golf, coaching football and basketball, fishing, hunting and going to the movies. Mo is an active member of St. Mary’s Church.

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Nyle Berkes has been in the financial advisory business for nearly two decades. He has a passion for helping clients attain financial freedom and security through sound and strategic planning. His mission is to offer reliable advice based on extensive knowledge, and to take a friendly yet professional approach to every situation. 

Formerly an advisor for Guardian, Berkes founded Dynamic Wealth Solutions with his business partner A Rhodes Wilson in 2022. Berkes holds FINRA Series 6, 7, 63 and 66 licenses, and is registered to sell securities in Pennsylvania and fifteen other states.

He offers a wide range of financial products and instruments, including stocks, bonds, mutual funds, annuities, and life insurance.

A former teacher, Berkes holds a bachelor's degree from Bloomsburg University in Education, and lives in Berwick, PA. Outside of the office, Berkes enjoys spending time with his wife and three daughters, in addition to golfing with friends.

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Patrick Smith serves as the Vice President of Sales and Development for First Financial Group’s Charleston office, where he leads the firm’s regional growth initiatives and advisor development strategy. With more than a decade of experience in sales, recruiting, and business development, Patrick brings a disciplined, relationship-focused approach to expanding the firm’s footprint across South Carolina.

His expertise includes talent acquisition, advisor coaching, and building strategic partnerships with centers of influence throughout the community. Patrick is committed to fostering a high-performance culture grounded in professionalism, integrity, and long-term client impact. Under his leadership, First Financial Group continues to strengthen its presence in the region, supporting advisors in delivering comprehensive financial guidance to individuals, families, and businesses.

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Why do most Americans struggle in climbing up AND down the financial mountain, when we live in the most free and prosperous country in the world?

This is a question that I have often contemplated over the past 20 years, during a very diverse career in the financial services industry. While I can't give you the exact answer, perhaps I can share my beliefs and some insights of what I've learned...

I believe the deck is stacked against the typical American, as it relates to their own financial pursuits. Actually, when you think about it, that’s true in most areas of our lives. I believe it takes a different and uncommon approach to overcome the heavy obstacles and strong headwinds that exist today. We must challenge our own belief systems – especially as it relates to the status quo of traditional wealth accumulation and distribution strategies. To get ahead, it is OUR OWN RESPONSIBILITY to educate and expose ourselves to the complex rules, risks, secrets and hidden traps governing the financial and economic world that we now live in. This cannot be done alone and we must find others that we can absolutely TRUST to walk along with us on our journey.

The good news is it's not as complicated as it appears!

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Penny has over 25 years as a financial services representative with MassMutual and has been in the finance field for over 35 years. She earned a Master of Business Administration in Finance from Florida Institute of Technology in 1999 and received her bachelor’s in business administration in Accounting from California State University, Fresno in 1992.

Penny is a Certified Financial Planner™ professional who provides comprehensive financial and retirement planning services, including life, disability income, and long-term care insurance. She holds a master’s degree in finance and brings extensive expertise in investment and annuity strategies. Penny is also certified in long-term care planning and works closely with clients to help them understand how to protect their assets from the financial impact of extended care situations.

Prior to MassMutual, Penny worked as a civilian budget analyst for the Navy providing consultation on multi-million-dollar public works projects and contracts. She has also served as an accounting systems analyst, financial counselor, accountant and banker.

Penny is involved with charitable organizations, serving on the board of a non-profit organization based in OH and supporting other local charities. She is also very involved at her church along with her daughter and husband of nearly 40 years.

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For over 30 years, Peter has provided financial advice to some of Washington, DC’s top attorneys. Through this experience, Peter has continually refined his understanding of the unique challenges and opportunities these busy professionals face. Peter was originally drawn to this specialty field through a natural entrepreneurial spirit and a personal interest in the law. The son of an attorney, Peter observed firsthand his father’s commitment to his clients. The exposure to the demands of a legal practice gave him an appreciation for the needs of those working in the field. 

As a Certified Financial Planner™ Professional, Peter not only assists clients with developing plans, he also works with them to ensure the successful implementation of the investment, insurance, and other strategies required to see the plans come to fruition.

Since the start of his career in 1987, Peter has been active in professional and charitable organizations and served in corporate advisory roles. Active on the MassMutual Advisors Association for many years, Peter served as Chairman of the Wealth Management Committee from 2016 – 2018. Peter served as President of the Helping Hands Society (HHS) of Greater Washington – a charitable foundation supported by members of the financial services professions from 2015 – 2018. Past board service has included Big Brothers/Big Sisters, Hope for Henry and Health in Harmony. Peter was honored as the 2019 recipient of The Legacy Award given by NAIFA-GW in recognition of high standards of professional conduct and service to their community.

Outside of work, Peter travels extensively and enjoys experiencing different cultures, foods, and places. Peter is a regular blood donor and a passionate advocate for this cause. He and his wife Lisa reside in Bethesda, Maryland with their two daughters.

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Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

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I am prepared to assist clients with their financial plans and help them meet their long-term financial goals. I work closely with my clients and can also work with you. I will assist you as you:

• Define your personal financial goals
• Develop a financial strategy that can help you achieve these goals
• Suggest suitable products and solutions based on your own tolerance for risk and your time-frame
• Implement your strategy with products and services that help meet your needs.

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As a combat medic, I was once told “Medicine is not designed to heal you. It is designed to “sustain” you.”  When it comes to finances, the information you receive is not designed to create Financial Freedom, but Financial Maintenance.

Most Financial Advisors say, “Give me some money and I’ll show you how to make it grow.”  However, have you ever heard of anyone, on their death bed, ask: “How much money is in my account?”  The main thing people care about is: who I loved and who loved me; What difference did I make in someone’s life and who made a difference in mine?

Every person I meet, has a financial advisor of some sort from some background.  They give advice like puzzle pieces, then you have to figure out how all the pieces fit together to create the “Big Picture” called your life.

I’ve been in the Finance industry for 26 years. As a Wealth Management Advisor at a financial services company, I have access to all the same products and programs as any other financial advisor, but that’s not why people come to me.

They come to me for a PLAN. My plans are Not in a leather-bound book that you put on a shelf in hopes of reading someday. They are Plans that you can LIVE and they Change and Grow with you and your family.

In life, you have other Assets that mean more to you than money.  Yet, for most people money has/is/will be more of an obstacle than an asset. You can change this, if you are willing to change the way you think. You first must ask yourself, “Do I want another product, or do I want a PLAN?”

I help You Create your experiences. I Teach It’s Better to Give than to Receive. I help you Live your dreams; Appreciate life and live in the WOW!

Your wealth is not defined by money alone. It is also the difference you make in the lives of those you care about and come in contact with.”

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Reid Barber graduated from Old Dominion University in 2019 with a Bachelor’s Degree in Finance. He was awarded Most Outstanding Financial Planning Student in 2019. Reid served as the Old Dominion University Class Council of 2019 Vice President for the 2016-2017 school year.

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As a CERTIFIED FINANCIAL PLANNER® practitioner I strive to

- Maximize Client Prosperity
- Minimize Tax Liabilities
- Mitigate Risk Factors

I accomplish this by using my education at West Point and the University of South Dakota and my 30+ years of experience as a tax and financial planner to deliver:

FINANCIAL LEADERSHIP TO HELP YOU PROSPER

Specialties:

• Wealth Development
• Risk Reduction
• Tax Strategies*

*Services provided by strategic affiliations with quality providers. First Financial Group does not offer these products or provide services for them.

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I offer a range of financial strategies to help you set financial goals or achieve financial goals you may already have. I work with small businesses, people of all ages, situations, lifestyle, and income brackets. My philosophy is to protect everything you earn, implement a plan that works in any situation, and make sure you always have uninterrupted cash flow.

I worked for thirteen years for nonprofit and government agencies in public health, senior health, food access, food retail business consulting, and nutrition education in low-income communities. In 2018, I was a guest speaker at the National Association of Convenience Stores where I discussed healthy food marketing. In 2019, I was a panelist at the U.S. Capitol Food Tank Summit to talk about food as medicine, food insecurity, and social disparities.

My passion has always been helping people improve their health and living circumstances. Having worked with low income populations my whole life, I’ve seen the struggles that people go through and a lack of financial guidance was a major factor. I made the decision to switch from helping people change health behaviors to changing financial behaviors and teaching financial fluency.

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Rick Scruggs has worked with business owners and personal clients in Central Virginia and the Southeast since 1977. Rick is the principal of Financial Designs and the creator of the Vision Advocate Experience.

Rick is a graduate of the College of William and Mary and is designated a Chartered Financial Consultant (ChFC) and Chartered Life Underwriter (CLU) by the American College. His training and professional education have focused on, but not limited to: 

• Business Continuity and Success Planning
• Qualified Retirement Plans
• Financial Planning 
• Employee Stock Ownership Plans

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Advisors: Schedule a Business Consult

Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

Rob takes a wholistic and comprehensive approach to financial planning, and is dedicated to always putting the needs of his clients first. His areas of concentration include investments, retirement, and college planning.

Following an internship with Merrill Lynch in college, Rob decided to enter the sales side of the financial services industry. Between 2009 and 2018 he built and ran a MassMutual office, during which time he qualified for Management Council and Leaders Club multiple times. Between 2018 and September 2022, he worked for PennMutual running the Columbus office. He won Manager of the Year in 2019 and the Award of Excellence in 2021. Rob was also a multiple-time Royal Blue Qualifier. In September 2022, Rob joined the team at First Financial Group as a Partner.

Outside of the office, Rob lives with his wife Molly, who is an Occupational Therapist in Olentangy Schools. They have two wonderful daughters named Ellie and Marin. He enjoys spending time with with his family and friends, playing golf, working out, and skiing.

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Assisting top financial professionals in finding the ideal environment to achieve their goals and effectively meet their clients' needs.

Grow with FFG

Rob Fitzgerald has over 17 years of experience in the financial services industry. He specializes in working with credit unions to design, implement, and monitor executive benefit programs. Rob works closely with credit union boards to determine appropriate benefit levels to achieve the credit union’s compensation and succession planning goals. He regularly communicates with state and federal examiners on behalf of his clients and is devoted to ensuring the ongoing performance and regulatory compliance of his clients’ plans.

Prior to joining The Sheeter Group, Rob was Regional Vice President with the Gallagher executive benefits consulting team. He has done multiple webinars and has been a speaker at NAFCU and MACUMA events on topics such as the Administration and Due Diligence for Your Executive Benefit Plan and Executive Compensation and Benefits Surveys. Rob’s vast experience in nonqualified executive benefits in the credit union industry make him a trusted resource for many.

Rob is an active community volunteer and is involved with the Lutzie43 foundation. Rob has a Bachelor’s degree in Business Administration from the University of Georgia. He lives in Atlanta with his wife, Pilar, and two sons, Gus and Henry. Rob is a registered representative for MML Investors Services, LLC.

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As a seasoned Chartered Financial Consultant (ChFC®) and Retirement Income Certified Professional (RICP®) with over 25 years of experience, Robert brings a wealth of knowledge to guide clients in achieving their financial goals. His commitment is to see the bigger picture of their finances so he can offer the best options to keep them on track for their goals today, tomorrow, and as life changes. He specializes in crafting personalized strategies tailored to their unique situation - incorporating values, beliefs and faith-based considerations - whether it is ensuring a secure retirement, funding education for children or grandchildren, optimizing tax efficiency, strategic asset positioning, legacy planning for heirs or charities, and establishing a robust safety net for unforeseen challenges like illness, injury, or market fluctuations. His clients' financial wellbeing is his priority, and his extensive expertise is dedicated to navigating them through every aspect of their financial journey.

Robert is a passionate supporter of lacrosse and football, never missing a home game for his beloved University of Maryland Terrapins or the Baltimore Ravens. A proud alumnus, he gives back as a mentor in the Maryland lacrosse mentoring program, where he helps players prepare for their futures. When he’s not cheering his teams, Robert can be found by local streams, either by himself or with his friends, neighbors or sons, where he immerses himself in the art of fly-fishing, perfecting each cast with patience and precision.

Robert licensed to sell securities in MD, DC, VA, AZ, CA, CO, DE, FL, GA, IL, IN, LA, MA, MN, MO, MT, NY, NC, OH, PA, SC, SD, TX, VT, WA. I am a registered representative of and offer securities and investment advisory services and investment advisory services through MML Investor Services, LLC. member SIPC (www.sipc.org). Supervisory address:530 Gaither Road, Suite 350 Rockville, MD 20850 Office phone: (301) 354-3839 Mobile phone: (571) 946-8573. He is also licensed to sell insurance in MD, DC, VA, CA, DE, FL, GA, MA, MI, MN, PA and NY. Crescent Financial is not a subsidiary or affiliate of MML Investor Services, LLC, or its affiliated companies.

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Robert has been working in the financial services industry for over 30 years and holds a Chartered Life Underwriter Designation, CLU®. He specializes in working with individuals and small to medium size business owners to develop comprehensive solutions to many of the problems they face. Robert can help provide sophisticated, yet straight-forward financial guidance through a holistic financial approach.

In early 2018, Robert and his two business partners founded Rock Creek Financial. The team’s collective skills, knowledge and experience will help their clients better understand their current financial situation, discover ways to reach their long-term goals and ultimately achieve financial freedom.

Robert and his wife Nancy live in Sandy Spring, MD and are avid supporters of the Lymphoma Research Foundation. He and Nancy love spending time with their two children and daughter in law. In addition to family, Robert enjoys playing golf, sailing and painting masterpieces.

Protect those you love. I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs. Whether your goals include preparing for milestone life events like retirement or college, protecting your family's future or you’re simply looking for life, disability income or long-term care insurance protection, I promise a new level of attention, insight and capability. Along with a team of professionals, I offer guidance to my clients to help them reach their financial goals. I can provide comprehensive financial strategies and/or focus on one specific area of need.

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Ryan specializes in working with families and business owners by implementing strategies to improve their financial situation. He focuses on mitigating the financial consequences of the threats clients face through protection, advanced estate and tax planning strategies, and specialized wealth management.

Ryan helps business owners with planning for the eventual exit from their business, as well as succession planning, buy/sell planning, and strategies to help recruit, retain, and reward employees through executive and key-person planning. He works closely with other professionals to include estate and business attorneys, tax professionals, and other insurance professionals, to ensure clients are provided with a full spectrum of financial resources.

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I am passionate about helping individuals and businesses protect what matters most and prepare for a successful financial future. I believe that education is the key to making informed financial decisions, and I work closely with each client to ensure they understand the strategies and options available to them.

I specialize in helping clients achieve their financial goals through tailored insurance solutions, estate strategies, and benefits planning. Whether working with individuals, families, or companies of all sizes, I take pride in building long-term relationships rooted in trust and integrity. My mission is to offer guidance that aligns with each client’s unique needs and values—always with a focus on long-term success.

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I am prepared to assist clients with their financial plans and help them meet their short and long-term financial goals. I work closely with my clients and can also work with you. I will help you:

• Define your personal financial goals
• Develop a financial strategy that can help you achieve these goals
• Suggest suitable products and solutions based on your own tolerance for risk and your time-frame
• Implement your strategy with products and services that help meet your needs.

I am Certified in Long-Term Care (CLTC). The CLTC program is owned by the CLTC Board of Standards, Inc. and it provides insurance and financial service professionals with the critical tools necessary to address long term care planning with their clients.

I hold the Charter Life Underwriter and Chartered Financial Consultant designations. I am a member of the National Association of Insurance and Financial Advisors, the Society of Financial Service Professionals, and the Estate Planning Council of Montgomery County, Maryland, Inc.

I hold a Bachelor of Arts in Social Gerontology from Marquette University and a Masters in Health Care Administration from the George Washington University.

I am a native Washingtonian, currently residing in Silver Spring, Maryland with my husband Ken.  I have two adult daughters.

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Though her role eludes definition, Sarah Scruggs Reddell describes her role as helping people, regardless of where they find themselves in the spectrum of engagement with our firm.  Sarah is involved in the day-to-day operations of Financial Designs. "I enjoy going home knowing that we are helping people improve their situation," she says.

Sarah earned her Masters degree in Library Science, and joined Financial Designs in 2012 after running a library in Jackson, Mississippi. She has earned her FINRA Series 6, 63, and 7 securities licenses, and her life and health insurance licenses. She is also a certified Retirement Income Certified Professional (RICP).

Sarah has become an ACA guru for group health insurance plans and is becoming an advisor to qualified retirement plans.

She resides in Lynchburg, Virginia with her husband, Matt.

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I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

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Sean joined First Financial Group (FFG) in 2008 as a Financial Representative. He developed a strong practice, earning back-to-back firm sales awards; however, given his entrepreneurial background, Sean turned his attention to leadership and the strategic growth of the firm. 

Entering the management track at FFG as a Sales Manager in 2010, Sean quickly discovered his innate ability to source and recruit individuals who would excel and go on to become the company’s top advisors. Taking on the responsibilities of Executive Vice President of FFG in 2015, he was a key contributor to the firm’s 300% growth in areas of productivity, revenue, and talent. Along with facilitating the rapid growth of the company, he aided in the expansion of First Financial Group’s footprint from two core offices into eight locations across the mid-Atlantic. Serving on FFG’s leadership team as President, he oversees multiple facets of the business, including talent acquisition, training and development, and finance 
 
He has spearheaded FFG’s community outreach program fostering a culture of giving throughout the company with matching funds and organized volunteer efforts for great organizations like Habitat for Humanity, DC Central Kitchen and Wreaths Across America. He is a member of NAIFA, GAMMA, AALU and was recently named one of NAIFA's 4 under 40, an honor given to the best and brightest in the industry. Sean has been featured in the NCAA’s “After the Game” web series highlighting excellence after college.

As a financial advisor, I partner with my clients to help craft a financial plan that is unique to them. I focus on what my clients want to achieve in their lifetime and the legacy they would like to leave behind. Whether you are planning for yourself, your family, or your business, I believe a solid plan can help you through life’s journey.

Outside of work, I volunteer and serve on several boards of non-profit organizations and spend time with my family. We enjoy travelling, sports and playing with our dogs, Bodie and Penny.

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An honors graduate of Lake Braddock Secondary School and then The University of Virginia, Stacy has served in the financial services industry since 2004. Immediately following her graduation from UVA, Stacy moved to California to work in entertainment public relations for A‐List celebrities in Beverly Hills. While that was fun and glamorous, it was not the right career fit. Her dad suggested following in his footsteps to work in the financial services industry and, once she began her licensed career in January 2004, he became her mentor, manager and valued business partner.

Having expanded her practice into comprehensive wealth management and financial planning, Stacy connected with Brock – both a colleague and a trusted friend from UVA – to join the Veritas Financial team in 2023 as a Financial Advisor. Stacy is often a primary point of contact for many of our existing clients.
Whether a regularly-scheduled review meeting, a friendly update or a needed service resolution, Stacy’s experience and positive attitude has been a tremendous asset as another set of eyes, ears and hands around the Veritas offices.

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Steve and his wife Sue met as Peace Corps Volunteers in Thailand and live in Arlington, Virginia – close enough to spend lots of time with their grandchildren in McLean. Steve considers himself a general practitioner who hones in on retirement planning, general financial planning and special needs planning. 

With strong communication abilities, attention to detail, and the will to put in the work, Stephen brings an immense skill set to the table. He is truly passionate about his work and enjoys helping pave the path to help clients simplify life to enjoy their interests. 

Steve grew up with a love for all sports and helping others, and has been involved with coaching and non profits for as long as he can remember. Steve has been a full season ticket holder with the Washington Nationals since they arrived in 2005. Steve is a retired Special Olympics Basketball and Challengers Baseball Coach. In his free time, he also volunteers at the ARC of Northern Virginia as a Special Care Planner. 

Steve’s favorite moment in the non-profit world? Being involved with financial planning for the Wounded Warrior Project! Check it out Here.

Since beginning my career in the financial services industry in 2008, I have had the privilege of guiding clients through all the phases of the financial planning process. Fully understanding how critical of a role advisors play in assisting individuals and families prepare for their future, I have made it the foundation of my career to truly listen to my clients, and build plans tailored to their needs, goals, and dreams. I view these plans as living, breathing entities that will forever grow and evolve with the client(s). With this in mind, I find it vital to routinely meet with my clients in order to track progress, stay informed of their life events, and provide advice according to current economic patterns and market activity. The most important factor of cultivating these long term relationships is building trust through consistency and reliability. All my clients know I have their best interests at heart because I treat their dreams and goals as if they were my own.

My wife and I currently reside in Virginia Beach with our son and still consider Richmond, VA and Saint Petersburg, FL to be our “homes away from home” In my spare time you can find me playing guitar, fishing, lifting weights, or running in local events such as the Rock N Roll or Shamrock races.

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Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

I provide an analysis of your current financial situation and help you: identify financial goals and concerns, illustrate what is being done to reach your goals and deal with concerns, identify gaps, if present, and offer solutions to help fill them.

I assist clients and help them meet their long-term financial goals. I work closely with my clients and can also work with you to:

• Define your personal financial goals
• Develop a financial strategy that can help you achieve these goals
• Suggest suitable products and solutions based on your needs
• Implement your strategy with products and services that help meet your needs.

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Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

Knowledge is the key to a successful financial future. My background, experience and commitment to providing you with the resources you need to make financial decisions, can help make your financial future as successful as you need it to be.   I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them.  This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

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Whether your goals include preparing for milestone life events like retirement or college, protecting your family's future or you’re simply looking for life, disability income or long-term care insurance protection, I promise a new level of attention, insight and capability. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: advisory services, retirement planning, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

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Tiffany has been offering supplemental benefit options to clients since 1997. Tiffany loves working with business owners to create a competitive enhanced benefit package to compliment and support their existing benefits or introduce brand new benefit offerings. She uses her years of experience to provide solutions that help businesses attract and retain top talent employees at no cost to the business. Her real passion comes alive with the employees or individuals. Weather it is educating them and making it easy to understand, help in choosing the right protection for the employee and their families, or helping in their time of need. 

The satisfaction of supporting someone with financial protection when they get a diagnosis or have an accident is exactly why I get up every day and strive to help educate employees. I care about my policyholders and aid with filing thousands of claims ever year. Almost everyone experiences a need of the benefits we provided at some point in their lives, and I would love the opportunity to help you find the right protection for when that need occurs!

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Since 2004, Tim has been educating and working with physicians and medical professionals in effective financial decision- making. He has a tremendous passion for helping people make informed decisions, so they can meet their objectives in the accumulation, protection, and enjoyment of their wealth.

Tim’s concepts and explanations break down complex topics into an easy to understand format, so decisions can be made, and progress can be achieved.

Outside of the office, Tim enjoys spending his free time with his family, Missy(wife), Nadia and Colin. He is also passionate about charitable activities, active member of his township planning committee, coaching youth sports and holding a position on his local little league board.

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Tim Tillman is a mission-driven financial coach committed to making a meaningful difference in people’s lives. With the support of a team of professionals, Tim guides clients in achieving their financial goals, offering personalized advice tailored to each client’s needs and priorities. By taking the time to understand what matters most to his clients, Tim forms strong relationships that allow him to identify their financial objectives, address concerns, highlight progress, assess potential risks, and provide solutions to help close any gaps.

Prior to joining FFG, Tim had an extensive career in the Commercial Real Estate finance sector. Most recently, he served as Senior Vice President and Institutional Relationship Manager at US Bank. Tim’s prior experience spans capital markets, finance, and treasury roles at both publicly traded and private equity commercial real estate firms. He began his career working in investment banking with Bank of America and Credit Suisse.

Born and raised in Charlotte, NC, Tim graduated Cum Laude from North Carolina Agricultural and Technical State University with a degree in Business Finance. He earned his Master of Business Administration from the Ross School of Business at the University of Michigan. Tim now lives in Northwest DC with his wife and son, where he enjoys spending time with his family in Rock Creek Park, staying active through exercise, and playing sports like golf. Tim is also a proud member of Kappa Alpha Psi Fraternity, Inc. and he serves as a Trustee at Shiloh Baptist Church in Washington, DC.

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As a Financial Services Professional, my goal is to educate my clients in financial decisions. I assist professionals and business owners in many ways, including employee benefits and retention services, advisory services, and estate and succession planning.

I am an established, active member of the community. In the past, I have served as President of the Rotary Club of Fairfax and as Treasurer and Site Committee Chair of Trinity Christian School. Currently, I serve as an Advisory Board Member for John Marshall Bank, and as a Board Member of the Northern Virginia Chapter of the Fellowship of Christian Athletes, Cedar Run Community Church, and Keystone Christian Ministries.

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I often will tell people that I have had two careers in the financial professional world.

My first three years, which was just transactional in nature, and trying to sell as many products as I could. And then since 2004 doing what I love! I was very fortunate after I graduated from Wartburg College in 2003 to hit the ground running with Financial Architects.

Starting in 2004 I was blessed with a great mentor who had taught me early on it is not about a product. He would say often “if there was a magical financial product out there that made everyone wealthy, we would all own it!”

It did not take me long to fall in love with the powerful financial principles we were teaching on money decisions. I soon began asking everyone I encountered “If what you thought to be true turned out not to be, how soon would you want to know?”

My passion lies in helping people not fall into the pitfalls of ‘Traditional Financial Services’! I love working with young professionals and business owners, not only in Iowa but all throughout the country.

In my personal time, I enjoy being with my wife Candice and typically watching my two kids, Joe and Avery, in their activities.

I grew up a son of a coach, so many times you might catch me helping coach their activities, as it is in my blood.

If I have any free time (when the weather permits) you would probably find me on a golf course.

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About
Favorite Sports Team – University of Virginia Cavaliers

Favorite Book or Movie – The Noticer by Andy Andrews; Man on Fire

Ideal Dinner Guest(s) – Ronald Reagan, Denzel Washington, Jerry Seinfeld

Qualities I Admire in Others – Integrity; Humor; Connectedness; Learning; Listener

Professional
Tom became a partner with Ford Mays Wealth Management in 2018. Planning and relationships have been central components of his entire career. Prior to joining the firm, Tom began as a financial planner with Financial Designs in 2014. Before his financial planning career began, Tom owned the Sylvan Learning Centers in Lynchburg and Danville.

Personal
Tom married Carter in 1989 and they are the proud parents of 4 adult children – Alex Sayer, Thacher Jennings, Sims Jennings, and Bailey Jennings, along with one super son-in-law, Nicholas Sayer. He now has 2 grandsons, Jennings and Wills Sayer.  When not working, Tom spends time with family and friends and attends UVA sports events.  He’s a hiker, golfer, hunter, traveler and takes care of his home and yard.

Education – B.S. in Finance and Marketing from the University of Virginia’s McIntire School of Commerce

Professional Designations – Certified Family Business Specialist

Memberships – Vestry at St. John’s Episcopal Church; Board Member of Lynchburg Daily Bread

Broker Credentials – #6334547

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Often times, you may hear me jokingly say that I’ve been in the industry my entire life. As a youngster, I spent many nights and weekends hanging out at my father’s office as he grew his own financial strategies practice. After graduating from University of Northern Iowa with a degree in Economics and a couple years of small business management experience, I formally started in 2013 in the financial services industry.

In 2024, I formed Envision Wealth with 3 other partners. I was compelled to start Envision Wealth as I continued to work with business owners and professionals and realized a greater impact could be made in their financial world than I was previously providing. I've worked to close that gap and am more motivated than ever to help business owners with one of the biggest financial transactions of their life - exiting the business.  In addition, I have obtained extensive tools to help my clients with their savings and growth.

My passion lies in helping people get what they want in the most tax-efficient, risk mitigated way. I also love to help my clients creatively plan their retirement income beyond the traditional financial 'rules of thumb' strategies. I particularly enjoy working with small business owners and manufacturing employees in Iowa and the Midwest.

I am a CERTIFIED FINANCIAL PLANNER™ professional and Certified Exit Planner.  Each of these organizations require rigorous training for certification, on-going education, and a board of standards that enforces that I work in the best interest of those I work with.  

In my personal time - I enjoy time with my wife and two daughters, playing golf, and riding my road bike or peloton. It doesn’t take much to get me into an intense board game, like Ticket to Ride or Settlers of Catan. I'm a fan of the NFL, specifically the 49ers.  In addition, you will find me supporting the UNI Panthers, Iowa Hawkeyes, and Liverpool FC.  

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Preparing for that next step in life isn’t always easy. My combination of experience, professionalism and access to a wide variety of products and services can help you meet your financial goals, estate strategies and insurance needs. Whether your goals include preparing for milestone life events like retirement or college, or whether you’re simply looking for life, disability income or long-term care insurance protection, I promise you a new level of attention, insight and capability. Contact me to discuss your financial future.

I offer a broad portfolio of individual insurance protection, asset accumulation strategies, and financial products and services for high net worth families, businesses, and institutions.

I am dedicated to making a difference in people’s lives. I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services. I help people protect the ones they love through a variety of financial products and solutions to meet their needs.

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I consider it my personal mission and calling to facilitate connections across the country and in our community–– that is, to help bring the right people together–– to create new relationships and potential growth for all. In the wake of the health crisis and prolonged social detachment, I believe this endeavor has become more important than ever. 

Should you be looking to find a new career, or are simply in search of some professional guidance or growth, I'd be glad to learn how I might be able assist. Particularly, to members of our U.S. Military: I have specialized resources designed to help you succeed that I am happy to share with you. Even if the opportunities at my firm aren't a good fit, a brief brainstorming session could help you navigate in the right direction. Please feel free to reach out to me via my contact information. It would be my pleasure to connect with you.

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Vicky is a devoted wife, a loving mother, and a fun “Nayla” (her grandmother’s name). She absolutely loves her family but brings that love and dedication into her everyday work life.

Vicky has been offering insurance benefits to clients for over 30 years. It gives her great satisfaction in knowing each day she is helping families to achieve peace of mind so that when they’re faced with an illness, an accident or when they lose a loved one, they will have plans already set in place to reduce the stress of finances that can come along with those situations.

She works with integrity to care for and educate her clients so that they can make the best decision that meets their families’ needs. She also works directly with business owners to help them save $ on payroll taxes each year as well as offer benefits to their employees at no cost to the employer. This enhances what they may already have in place and helps significantly in retaining quality employees. She would love the opportunity to meet with you as a business owner or as an Individual to find out what is best for you.

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My combination of experience, professionalism and access to a wide variety of products and services can help you meet your financial goals, estate strategies and insurance needs.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

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Mr. Vincent M. D’Addona MSFS, CLU®, ChFC®, CExP®, RICP®, CEPA®, AEP® (Distinguished) is a founding
member of Valent Wealth, LLC, an independent full-service wealth management and financial planning firm.
Valent Wealth seeks ways to blend education, powerful communication, and wisdom to guide clients to
eliminate threats, fulfill obligations, and capitalize on opportunities in their lives.

Vince has 44 years of experience providing services in four core areas: Estate Planning, Exit Planning for the
owners of closely held businesses, Distribution Planning for those at or near retirement, and Investment
Coaching. He was inducted into the NAEPC Estate Planning Hall of Fame® in 2017.

As one of the financial security profession’s most highly regarded speaker/trainer/development coaches, Vince
is often known as the experts’ expert. He has helped hundreds of clients move closer to their full financial
potential and has helped do the same for countless other financial professionals.

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With a strong foundation in corporate finance, Vinny has spent over a decade building a successful financial planning practice from the ground up, starting in 2011. Through education, hard work, and unwavering determination, he has equipped his clients with the tools and knowledge needed to make informed, confident financial decisions. In 2024, Vinny joined the Beden Wealth Management team to further elevate the client experience and bring even greater value to those he serves.

Vinny earned the prestigious CERTIFIED FINANCIAL PLANNER™ (CFP®) designation from The American College in Bryn Mawr, PA. He also holds FINRA Series 6, 63, 65, and 7 licenses, as well as being licensed for life and health insurance. With an MBA from The George Washington University and a Bachelor of Science from Southern Illinois University, Vinny brings a wealth of education and expertise to his clients.

Outside of work, Vinny enjoys quality time with his wife, Angie, and their family, especially their grandchildren. An avid lover of the outdoors, he spends his free time gravel cycling, hiking, and camping — always seeking the next adventure in nature.

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Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

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Colen "Wayne" LaPlante, AIF® is a Financial Advisor and Planner. He consults with clients and prospects on a variety of topics to create financial solutions and help provide assurance. Within the firm he serves as a Partner, working with other advisors and their clients to identify optimal solutions to reach their goals.

Prior to joining FSV, Wayne served as a Senior Director of Wealth Management, working with other advisors and their clients to identify optimal solutions to reach their goals. Before that he was the Senior Director for industry leading asset management companies. In his role, he was responsible for distributing  products that included mutual funds, exchanged traded funds, separate accounts, variable annuities, sub-advised portfolios, offshore funds, retirement plans and college savings plans. Raised in Texas, Wayne received a bachelor's degree in Finance from the University of Houston. He has an Accredited Investment Fiduciary (AIF) designation and holds FINRA Series 7, 63 and 66 Licenses. Wayne is active in the community and serves on the board of a Creative Learning Center which provides early childhood learning and education for preschool and kindergarten students. He is married to Kathy and they have two grow children, Steven and Emily. In his spare time, he enjoys golf, fishing, traveling, and staying fit.

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My background, experience and commitment to providing you with the resources you need to make financial decisions, can help make your financial future as successful as you need it to be.

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Preparing for that next step in life isn’t always easy. William's combination of experience, professionalism and access to a wide variety of products and services can help you meet your financial goals, estate strategies and insurance needs. He provides wealth management services to select clientele of high net worth families, business owners and organizations. He helps them make informed decisions about their money and the protection of their assets and estate. He works for his clients as he would his own family and aspire to build lasting, meaningful relationships based on trust, integrity and superior client service.

Born and raised in Virginia Beach, Virginia, William has been married to Donna Haycox for over 30 years. Together they have raised two beautiful daughters. His education includes a BS in Mathematics, in addition to graduating from Lynchburg College in 1984, along with many other business and finance industry certifications and designations.

He is very active in community charities and benevolent organizations. In addition, he is a member of First Presbyterian Church and the Princess Anne Country Club. In his leisure he enjoys surfing, fishing, hunting, tennis, snowboarding as well as traveling.

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Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

Preparing for the next step in life isn’t always easy. I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs. My combination of experience, professionalism, and access to a wide variety of products and services can help you meet your financial goals, estate strategies and insurance needs. My goal is to provide families and business owners with assistance in building their financial freedom. I have the skills, knowledge and experience required to help meet my client’s established goals. My personal goal is to become a lifetime resource for each and every client.

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Zach is a passionate financial advisor dedicated to empowering individuals to achieve their financial goals. Driven by a personal understanding of the transformative impact of sound financial strategies, he is committed to guiding clients toward financial security and prosperity.

Zach’s journey to financial planning began with a desire to help others. As one of the first graduates of George Mason University’s Financial Planning and Wealth Management program, he possesses a strong academic foundation. Holding the CERTIFIED FINANCIAL PLANNER™ designation and adhering to a fiduciary standard, Zach prioritizes his clients’ best interests above all else.

Beyond his client-focused role, Zach actively contributes to the financial planning profession. He serves on the George Mason University Financial Planning and Wealth Management Advisory Board, where he plays a pivotal role in shaping the curriculum and preparing future financial advisors. This commitment to fostering the next generation of professionals demonstrates his dedication to the industry and its ongoing development.

When not immersed in the financial world, Zach enjoys golfing, running, and biking. He is an avid Dallas Cowboys fan and is a firm believer that “this year is our year.” When the opportunities arise Zach loves to travel and experience all the different cultures that the world has to offer. Zach’s favorite destination is Namibia, Africa because he enjoys the beauties that the country and people have to offer.

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Zach Lampert was born and raised in Norfolk, graduated from Norfolk Academy with honors, and then graduated from Virginia Tech with honors and majors both in Finance and in Human Resource Management. He started his career in 2005 and holds the professional designations of Chartered Life Underwriter(CLU) and Chartered Financial Consultant (ChFC). He has been servicing policies that have been written at different points in time over the last 50 years and as a result he is well versed in most of the different variations of life, disability, and long term care insurance policies. On the investment side, in addition to working with investment brokerage and advisory accounts he also works with various different types of annuities and has a firm understanding of Social Security and the Virginia Retirement System.

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