2020 FINANCIAL ADVISERS - Key Persons
As a Financial Adviser with 20/20 Financial Advisers of Cardiff by the Sea, Ben Ambrosini is passionate about providing holistic Wealth Management and Financial Planning services to his clients. Ben grew up in the industry, and has absorbed the knowledge passed down from his family's advisory business with a desire to carry that torch to the next generation. He holds his Series 65, as well as Life, Health, and Annuity insurance licenses in multiple states.
His work experience is broad, and he specializes in comprehensive financial plans, retirement planning, guaranteed income strategies, and portfolio analysis. Ben looks at the full picture when helping people achieve their financial goals, and he puts an emphasis on always speaking to his clients in plain English, breaking down complex strategies so they are easily digestible.
Ben Ambrosini is a strong believer in fiduciary duty, because at the end of the day, that's why he got into this business: to help people. It's this desire to always do the right thing for the client that has made him the most valuable asset in his clients' portfolios.
Personally, Ben enjoys all things outdoors: camping, hiking, and kayaking, and he particularly enjoys spending time with his lovely wife, Megan.
Job Titles:
- Investment Advisor
- Representative
- Investment Advisor With Prime Capital Investment Advisors
Bill Carey started in the financial services industry in 1976 with Prudential Financial Services in Chicago, IL. He was promoted to management in 1979 and stayed with the firm for 25 years. Prudential transferred him down to Fort Lauderdale, Fl in 1989 as a Manager and Pension Specialist.
In 1995 he was recruited by Mony Financial Services where he trained and supervised financial advisors. In 1998 he was recruited by Axa Advisors, a financial services firm operating in over 60 countries where he also trained and supervised and held the title of Vice President.
Bill Carey is an Investment Advisor with Prime Capital Investment Advisors. He focuses on investment planning, insurance, and securities planning, and has taught numerous seminars on tax-qualified pension plans for businesses and the self-employed.
He was a co-host with the popular South Florida financial radio talk show "The Wealth Doctors" which aired on AM 740.
Bill resides in Pompano Beach Florida with his wife Jan and has two daughters.
As a financial representative of 20/20 Financial Advisers, LLC, Bob provides investment and insurance services to individuals and small businesses through his registration with Private Client Services. Bob's goal is to provide personalized, professional service and advice. He has extensive experience in the areas of investments, retirement planning, and risk management strategies.
Bob holds life insurance, health insurance and variable annuity licenses from the states of Delaware and Pennsylvania. He also holds his Series 7 and Series 63 licenses.
Bob has taught basic and advanced financial planning courses at major local companies.
Bob is a graduate of East Carolina University, where he earned his bachelor's degree in Political Science.
He currently resides in Wilmington, DE with his wife Voula. He enjoys all sports, plays tennis and works in his garden.
Job Titles:
- Administrative Assistant
- Office Manager at for 20 / 20 Financial Advisers of Cardiff
Dayna York is the office manager at for 20/20 Financial Advisers of Cardiff by the Sea. She graduated from Sinclair Community College in 2014.
With almost 25 years of experience in customer service, administrative support in office management, she provides a passion for building personal relationships with our clients.
Dayna and her husband Drew enjoy the wonderful outdoor activities that San Diego has to offer with their 2 daughter's Eliana and Reagan.
Deanne joined her father in 2017 to continue the Palmer family business of financial planning. Growing up with her father and grandfather, conversations about the "Miracle of Compound Interest", the value of life insurance, the importance of saving and investing, and the dynamics of the financial markets were common discussions. She knew at a young age she wanted to help people with their financial goals like her father and grandfather. After studying at George Washington University and the University of Colorado, Boulder, she obtained her BS in Business majoring in Finance. She went on to get her Master's in Business Administration from San Diego State University with an honorary distinction of being in the top 1% of her class. She has been recognized as a top producing Realtor for Berkshire Hathaway for over 15 years. Deanne is currently licensed in Life, Disability, Annuity and Long-Term Care and completed the SIE certification and CFP designation.
Deanne's real estate career brings a unique advantage to clients of the Palmer Group by providing expert advice on the real estate component of their financial portfolio. Her vision is to grow the firm to a one-stop shop for all your financial needs: life/disability/long-term care insurance, wealth management, education and retirement planning, real estate, tax and estate planning. "I am proud to continue my family's legacy in helping people with their finances. I want our clients, no matter where they live, to feel comfortable they are in good hands and we will work together to create a clear path for their financial goals - no matter how big or small."
Job Titles:
- Investment Adviser
- Representative
As a Partner of 20/20 Financial Advisers and Prime Capital Investment Advisors, Inc., a ChFC® (Chartered Financial Consultant) and Certified Financial Planner (CFP ®), Robert provides wealth management strategies for people in "Life Transitions." His client base includes situations ranging from Lottery Winners, Divorce (marital restructuring), Retirement, Death of Parents or Spouse. He has built his practice around creating comprehensive, personalized plans for those client's wealth management needs.
A Daytona Beach native, Robert began his career in Financial Services as an Account Manager for The Acacia Group after studying Business Management at The University of Central Florida. In 1999, he became the Senior Partner in the Metro Financial Group Boutique office. Then, in 2003, he merged Metro Financial Group into 20/20 Financial Advisers, LLC. In December of 2021 he merged 20/20 Financial Advisers, Inc and their Registered Investment Advisor, 20/20 Capital Management, Inc with Prime Capital Investment Advisors, Inc.
He holds Life Insurance, Health Insurance, and Variable Annuity Licenses from the State of Florida as well as other states. He also holds the Series 65 securities license.
Robert lives in Longwood, Florida with his wife Penny and their blended family of 5. He enjoys cooking, travel, and spending time in the North Carolina Mountains where the family has a second home.
Job Titles:
- Financial Advisor
- Investment Advisor
Job Titles:
- Advisory Council 1999The Advisors Group Investment Advisory Council
After serving in the Navy as a Corpsman with the Marine Corp, Garth attended University of Central Florida where he achieved a Bachelor of Science degree in Finance. After graduating he became an accountant at Bank of New York but later decided to change his career path to become a financial advisor. Garth worked at UBS and then at SunTrust bank as an Investment Officer and a Certified Financial Planner. After many years as a bank advisor, he left to become an independent financial advisor with LPL Financial. At LPL, Garth was a CFP Financial Advisor but also took on the role of OSJ Supervisor for his office.
In early 2022, Garth joined 2020 Financial Advisers, LLC and simultaneously Prime Capital Investment Advisors, LLC so that he could partner with a firm with over 25 years of industry experience. The move allows for collaboration with senior advisors with decades of combined experience and for a broadening of services to clients.
Garth is married and has 3 wonderful children aged 23, 20 and 12. His oldest is a Seminole County Fireman. His middle daughter is studying to be a Nutritionist and his youngest daughter plays volleyball and tennis.
Heather Davies is the administrative team for 20/20 Financial Advisers based in the Sunshine State of Florida.
Heather originally started working with Rob at the age of 19 in 2004. She is highly organized and has an excellent relationship with our clientele.
Heather lives in the Port Orange, Florida with her husband, Chris. She enjoys spending quality time with their three children Kai, Lily and Leigha. They love to be outdoors as much as they can.
Job Titles:
- Partner
- Managing Partner of 20 / 20 Financial Advisers of Delaware
As a Managing Partner of 20/20 Financial Advisers of Delaware, Howard provides financial evaluations for individuals and businesses, estate and insurance planning, charitable giving strategies, investment planning and asset allocation, and cash flow management through his registration with Private Client Services and fee-based investment advisory services offered through Prime Capital Investment Advisors.
Howard educates his clients and the general public through financial planning strategies and retirement lectures. He has been a guest lecturer for the Kennett Square Senior Center, International Federation of Designers Association, and Teamsters Local 107.
Howard earned a degree in Finance from the University of Tampa. Howard has also earned the Agency Management Training Council certification from the American College in Bryn Mawr, Pennsylvania, and holds the following securities licenses: Series 7, 24, and 63 licenses. He currently holds Life and Health Insurance licenses in Alabama, California, Delaware, Florida, Illinois, Maryland, Massachusetts, New Jersey, North Carolina, Ohio, Pennsylvania, and Virginia.
Howard resides in Pennsylvania with his wife Catherine. They have two grown daughters Amber and Sydney. Howard enjoys gardening, sailing, and Master's swimming. Howard has worked as a volunteer with local schools, YMCA Good Kids, and is on the board of the Jennersville YMCA.
Job Titles:
- Administrative Assistant
- Assistant to Tom Gibbings
Jennifer is the assistant to Tom Gibbings and brings with her a talent for organization and more than fifteen years of experience in office administration and customer service. Before joining the 20/20 Financial Advisers of San Diego team, Jennifer worked in a variety of operational and administrative roles. Her experience is reflected in her care and concern for our clients.
Jennifer was born and raised in San Diego and enjoys taking advantage of all the outdoor activities and beautiful weather the city has to offer. When she's not working, she loves spending time with her husband, son, and daughter.
Prior to joining 20/20 Financial Advisers in the fall of 2015, J.J. spent about 10 years as a sales representative covering the southern California area. It is there he learned that providing professional service is just as important as providing a great product. What he loved most about his career were the relationships he formed along the way.
As a financial representative, J.J. looks to bring that same quality of service and relationship to his clients. He holds his Series 7 and 66 securities registrations, as well as his life insurance license. J.J. takes great satisfaction in knowing that his job can help build strong financial foundations for the individuals, families, and businesses he works with.
As a Managing Partner of 20/20 Financial Advisers Houston, LLC, Karin offers investment and securities products and services through her relationship with Private Client Services and comprehensive fee-based investment and personal financial planning services for business owners and retirement income planning strategies for individuals through her relationship with Prime Capital Investment Advisors. She focuses on retirement planning, insurance planning, asset allocation and investment planning, debt management strategies, and cash flow management through her registration with Private Client Services. Karin has twenty years of experience in the financial services industry. Karin has earned a bachelor's degree in International Business from The American University in Washington D. C.
As a Partner and Supervising Principal of 20/20 Financial Advisers - Palmer Group, LLC, Larry has built his practice around truly connecting with clients to create comprehensive, personalized plans for their specific financial planning needs. He is experienced in life, disability and long-term care insurance, tax-favored college education planning, Roth and Traditional IRAs, stock and mutual fund management, as well as small business retirement planning such as 401(k) and profit-sharing plans. Larry is also registered as an Investment Advisor Representative (IAR) with 20/20 Financial Advisers and provides fee based financial planning and investment services to clients through his partnership Prime Capital Investment Advisors.
Larry came from many years of corporate management experience before joining his father, Leo Palmer, in the insurance and financial planning business. For over 25 years, Larry has continued his father's vision in assisting clients' financial well-being with the utmost care, standards, and morals. Larry's daughter, Deanne Palmer, joined the business to become the third generation of the Palmer Group. "Our clients have benefited from the ongoing care for their financial planning needs. We have been helping generations of families because they know the high values and standards that our family lives by."
Job Titles:
- Partner
- Managing Partner of 20 / 20 Financial Advisers of Sacramento, L.L.C
As a Managing Partner of 20/20 Financial Advisers of Sacramento, L.L.C., Leonard offers comprehensive financial planning for individuals and businesses. He focuses on retirement planning, estate planning, insurance planning, charitable planning strategies, investment planning, asset allocation, and cash flow management through his registration with Private Client Services.
Leonard has over 30 years of experience in financial services and has previously served as Regional Executive VP and Managing Director in Texas and California.
Leonard earned a bachelor's degree in Criminal Justice from Florida International University. He has earned the Accredited Investment Fiduciary® professional designation, awarded by the Center for Fiduciary Studies, which is associated with the University of Pittsburgh and the Registered Financial Consultants® professional designation. He has also completed a two-year certification program in Personal Financial Planning from the University of California at Davis.
Leonard has been a resident of Folsom since 1998. He resides there with his wife. They have successfully raised two boys and one girl and now have two grandchildren.
Lori has spent her career as an executive assistant in banking and wealth management. Her efficiency and service-oriented attitude makes her an invaluable member of the Palmer Group. Lori oversees a wide variety of client needs and manages the day-to-day office operations. She enjoys the diversity of our clients and assisting them with their unique financial needs both on the institutional and wealth management sides. Lori helps in preparing financial plans, asset allocations, policy and account maintenance. She leads in our compliance and regulatory responsibilities and is very well organized and takes pride in being part of an efficient, service-oriented team
Madelin has been working for 20/20 for 7 years.
Outside of work, she is in a school pathway to become a dental hygienist and hopefully continuing school to become a dermatologist.
Megan is our Office Manager at the 20/20 Financial Advisers of Cardiff by the Sea office.
Following fifteen years in the field of Speech and Language Pathology, she has joined the 20/20 team. Megan has always chosen a career path around helping people and families to fulfill their ultimate potential.
Megan is a San Diego native and spends as much time as possible outdoors. Whether it's weekends in the desert or camping trips in the mountains, she appreciates the living beauty of her home state. Megan also spent several years living abroad and teaching in international schools. Her interpersonal and intercultural communication skills elevate our clients' overall experience.
While at home here in North County, time is spent at a slower pace reading, cooking, and playing music with her husband Ben Ambrosini and their two cats Zissou and Charles.
Robert is a registered as an Investment Advisor Representative (IAR) with 20/20 CMI and provides fee based financial planning and fee-based investment services to clients through his relationship with 20/20 CMI.
Robert has extensive experience in the areas of risk management and asset management compliance, trading and due diligence of investments, investment managers including UMA, SMA, fund, ETF, private client programs, investment hedging strategies and alternative investments.
As Founding Partner of 20/20 Financial Advisers, LLC Samir primarily advises affluent clients and has done so for over 25 plus years.
As your personal financial adviser, Samir focuses on advising clients and their families to create and conserve wealth, reduce/eliminate taxes, and create a legacy. Samir takes a comprehensive approach to planning which incorporates all aspects of personal, retirement, investment, estate, and business planning. Samir will thoroughly review, analyze, and recommend optimum strategies for your cash flow, risk management, investment allocation, and, in conjunction with your tax adviser, tax reduction techniques. Samir offers investment and insurance products and services through his relationship with Private Client Services and offers fee based financial planning and investment advisory services through his relationship with Prime Capital Investment Advisors.
Samir's financial education and past workshops to adult schools, associations and corporations have brought his knowledge and experience to hundreds of people in the areas of financial, retirement and estate planning. He has also been a guest lecturer with Palos Verdes Unified Adult Education, Chapman University, County of Orange-Employees (Municipal Water District of Orange County, Yorba Linda Water District), the Society for The Advancement of Management (S.A.M.). and American Institute of Architects (A.I.A.). Additionally, he was invited to hold workshops for The I.R.S.-C.P.A. Association and Asian and South Pacific Internal Revenue Agents (A.S.P.I.R.E.). PCS and 20/20 are not endorsed by or affiliated with these entities.
Prior to his current position, from 1997 to 2001, Samir was the Managing Director of the Acacia Group, from 1994 to 1997 he was Vice President of Beverly Hills Group, and from 1989 to 1993, Samir was the Financial Planning Manager for Cigna Corporation-Individual Financial Services as well as Senior Financial Planning Tax Analyst. He began his career in the financial planning profession in 1988.
Samir is a 1985 graduate of Connecticut State University as well as 1987 graduate from University of Hartford, obtaining an Executive Master's in Business Administration (EMBA).
Samir was born in India and moved to the United States in 1977. Today he lives in Irvine, California with his wife of 39 years. Their two children, Rohan & Natasha, lead successful business and careers in So. Cal and in San Francisco.
As the owner of 20/20 Financial Advisers of Cardiff by the Sea, LLC, Stephen, along with his associates, provides investment and insurance related products and services to businesses and individuals through his registration with Private Client Services. Steve is also registered as an Investment Advisor Representative (IAR) with 20/20 Financial Advisers and provides fee based financial planning and fee based investment services to clients through his relationship with Prime Capital Wealth Management.
He has extensive experience in the areas of business continuation, employee fringe benefits, and retirement planning for corporations and the self-employed.
Steve has taught classes and seminars on retirement planning, pension plans, disability, and life insurance. While living in Phoenix, Arizona, he was a frequent guest commentator on The Keith DeGreen Personal Finance Show on KFYI Radio from 1991-93. One of the original founders of 20/20 Financial Advisers, he was inducted in the UNIFI Hall of Fame in 2013.
Tom Carreras started in the Insurance business in Jan 1968 with Life of Georgia in Fort Lauderdale, FL. He was promoted to Staff Manager and eventually District Manager of the Miami, FL District.
In 1980 he helped start a Life Department in a Property & Casualty Company in Pompano Beach, FL.
In 1986 he opened up Broward, Dade County and the West Coast of Florida for Time Insurance Co.
In 2001 he started Carreras Financial Services a Marketing Company of Life and Annuity Products to Independent Agents in South Florida, which he still operates today.
Tom holds a series 6,7,24 & 65 Securities Registration as well as his Life and Health license.
Tom currently holds the CLU and ChFC designations.
Tom's main focus today is to support the Independent Agents that work with him as well as helping his personal clients with their investment needs.
Tom is a Managing Partner of 20/20 Financial Advisers of San Diego, LLC, where the guiding principle is "Your Future is Our Focus." Tom applies this principle every time he helps business owners, individuals, and retirees with financial planning.
Tom provides investment and insurance related products and services to clientele through his relationship with Private Client Services and fee based financial advisory and planning services to clientele through his relationship with Prime Capital Investment Advisors.
Tom has over 40 years of financial planning experience and manages a variety of financial products - stocks, bonds, mutual funds, and other equity and risk management products. This allows his clients to provide for their families, protect their estates, and look forward to a healthy retirement.
He has been a speaker at the California Leaders' Convention and is a recognized seminar leader for financial planning topics. Tom also took to the airwaves a few years ago as the host of The Financial Digest and Ask the Expert on KSDO Radio in San Diego, California. Several years ago, he hosted the Money Minute on KOGO Radio in San Diego, where he coined the "$53,000 cup of coffee" - the price of a $3.00 daily latte invested over 20 years.
Tom is a graduate of San Diego State University.
A native San Diegan, Tom and his wife, Elvira, raised their son, Tom Jr., and daughter, Darcy, in the San Diego community of Point Loma.
Tom is a tireless volunteer for local community service projects. He is a past president and current board member of the Point Loma Optimist Club.
Vinit Madan joined 20/20 in July 2020 from Morgan Stanley, following nearly two decades experience with several East Coast Investment firms. Vinit began his investment career at Gabelli Asset Management (GAMCO) as an equity trader for Mario Gabelli's mutual funds. After seeking the advice of Mario Gabelli, Vinit decided to pursue his MBA, to further his interest in asset allocation, proper investment selection and risk control.
After graduating from Vanderbilt University with an MBA with dual concentrations in Finance and Accounting, Vinit began as an Analyst at Ospraie Fund Management, a prominent commodity-based hedge fund. Vinit has also served as a Portfolio Manager at GAMCO and Noble Partners, a Boston based hedge fund.
After spending the majority of his life on the East Coast, Vinit, his wife of 13 years and his 11- & 9-year-old daughters decided to relocate to Orange County, where his wife is originally from. Most recently, Vinit served as a Portfolio Manager at Morgan Stanley from 2016 to 2019. In his spare time. Vinit enjoys surfing, CrossFit, and coaching his daughters in sports. Vinit also believes that investing is a constant evolutionary process, where one must continue learning, studying, and following their intellectual curiosity.