CALIFORNIA CONSUMER - Key Persons
As a CERTIFIED FINANCIAL PLANNER™ professional, Andrew has built his practice around his client's needs by building a process around client goals, wishes, and dreams. In an increasingly complicated financial world, we take the time to know what you want out of life for yourself and your family-evaluate where you are relative to your goals and help you get there while living life today as well. The client is a partner in the process, establishing and modifying goals as life changes. The process is designed to organize your financial world, make it easy to understand and always have it accessible to you. Utilizing practice software, continual education in the financial services industry, and good old fashioned face to face meetings, we watch over the plan - so our clients can live their lives.
Andrew started in the financial services industry in 1991 working in residential lending. Helping clients with the largest asset, debt, and monthly obligation has naturally evolved into planning for the entire financial process. Andrew specializes in strategies designed with the goal of maximizing existing cash flow while paying attention to future needs and desires of his clients. Andrew's goal is to provide straight forward-caring advice designed to help his clients plan for both the long and short term.
When not reading, Andrew can be found trying to assist his lovely wife Karen in keeping up with their children and their schedules!
Following graduation from the University of Alabama in 1993, April began her career in the financial services industry in the fall of 1997 at JC Bradford & Co. in Mobile, AL, just prior to one of the most turbulent periods in stock market history. She witnessed first-hand the dot com bust, the aftermath of Sept. 11 th, and the mortgage meltdown and credit crisis of 2008-2009; three major stock market events occurring in the span of a single decade.
April enjoys teaching stock market concepts to college students and clients of all ages. She is an avid reader and health enthusiast. In her spare time she enjoys creative pursuits such as writing, art, gardening, and spending time with family and friends.
At Knowlton Financial I focus on providing retirement income for life strategies. My process is designed to pursue one of the most pressing needs of the growing retiree population: how to develop a predictable lifestyle sustaining income for life.
Claudia L. Sachs has 20 years in the financial services industry. She previously worked for the State of Florida, Morgan Stanley, Prudential Financial, and First Florida Investment Services. Claudia has a Bachelor of Science AgBusiness, Finance Degree from California State University, Fresno. Claudia attended and completed the Kellogg Executive Program at Northwestern University in 1998 and a Retirement Strategy Program at the Wharton School at University of Pennsylvania in 2007. She completed her Financial Planning coursework through the College of Financial Planning in 1994 and became a Certified Financial Planner™ Practitioner. While working at the Treasurer's office at the State of Florida, Claudia earned her Certified Treasury Professional (CTP) designation (formerly known as Certified Cash Manager). She holds Series 7, Series 31, and Series 66 registrations, as well as Life/Health/Variable Annuity license.
Claudia is active in the community with service organizations, civic groups, and volunteer service. The many organizations she belongs to include the GFWC Capital City Woman's Club, Capital Women's Network of Tallahassee, Zonta Club of Tallahassee, and the Financial Planning Association(FPA) of Florida.
Claudia was recently honored by being inducted into the 2020 class of the "25 Women You Need to Know" by the Tallahassee Democrat. Now in its 14th year, the 25 Women Program is the Tallahassee Democrat's way of honoring women who lead.
Originally from California, Claudia enjoys spending her time reading, cooking, and traveling. She is married to Walter T. Sachs, Regional Managing Director with the Department of Children and Families.
Courtney Mann is the Director of the firm's plan implementation services at Mann Associates. He specializes in new business development, plan design, and plan implementation for the firm.
In addition to assisting in plan administration, Courtney's practice focuses on all aspects of retirement plan implementation. Acting as the client advocate, he directs the client through the adoption of plan documents and with all required employee communications, educational materials, and enrollment meetings. Courtney also assists in working with the client's accountants and investment advisors in establishing the plan's investment policy statement and in the selection of fund managers and investment portfolios to be used on institutional record-keeping platforms and on the firm's open-architecture system. He also provides guidance with respect to the client's fiduciary responsibility to act in concert with the regulations established by the Department of Labor and the Internal Revenue Service.
A graduate of Stanford University, Courtney holds a B.A. in Economics, a minor in Communications, and an M.A. in Organizational Behavior. He brings to the firm a diverse background with career experience in human resources and management consulting; sales, marketing, and business development; software and information technology; and journalism. Courtney has consulted with companies such as Borden, Inc. and Sony on compensation and organizational structure, designed proprietary software to streamline HR processes, and played an instrumental role in financial modeling and fundraising for start-up businesses and projects across several industries. He is a member of the American Society of Pension Professionals and Actuaries (ASPPA)
Firm founder David Lacroix opened Lacroix Wealth Management with the mission of providing trustworthy financial guidance for those who may not be currently receiving the attention or service they truly deserve. He believes that with independence comes the opportunity to focus time and resources on the client's needs and to appropriately place the client's goals at the center of the investing and financial planning process. At Lacroix Wealth Management, clients are respected and treated like family.
David is a designated Chartered Retirement Planning Counselor®, CRPC®, and holds Series 7 and Series 66 registrations. He is also Registered Representative, an Investment Adviser Representative, as well as being licensed for Life & Health Insurance in several states (CA, NV, AZ, OR, HI, MN, and SC).
David has worked in the insurance and financial services industries since the 1990's. Prior to opening Lacroix Wealth Management, David spent eleven years working as a financial advisor at two of the largest wealth management firms in the industry.
Born and raised in Torrance, CA, David is very happy to be based in the South Bay Area serving his clients needs. David attended West Torrance High School, where he was a quarterback on the football team and a pitcher/shortstop on the baseball team for the Warriors. After high school, he played shortstop on the baseball team at LA Harbor College, where he was drafted by the MLB's Houston Astros after his freshman season. David later received an athletic scholarship to attend the University of Wyoming where he played baseball for the Cowboys. David graduated from the University of Wyoming with a bachelor's degree in Agricultural Economics.
David has been married to his wife, Megan, since 1994 and they have two daughters, Jocelyn and Jackie. When he is not working or spending time with his family, David can usually be found at one of the local ice rinks, playing hockey.
Edward Banks AAMS® AWMA® is the founder of Banks Wealth Management LLC. He has been working with clients and investments since 2004. Edward meets with clients to help serve their financial needs by analyzing their financial condition and recommending areas for change or consideration. He focuses on retirement, investment and insurance planning.
Edward has studied at The College for Financial Planning and has earned the designations Accredited Asset Management Specialist or AAMS® and Accredited Wealth Management Advisor or AWMA®.
Scott Zavatkay and Eric Zimmerman have been serving clients since 1997 and opened RetirementPlus Financial Solutions in 2003. With focus on Retirement Income Planning in the Connecticut and Massachussets Public School systems, as well as The City of New Haven, CT with the 457(b) plan. Both Scott and Eric are Series 7 and Series 63 Securities Registered, as well as Connecticut State Life and Health licensed. In addition, Scott is a Fee Based Financial Advisor.
Job Titles:
- President and Managing Director of Plan Consulting Services for Mann Associates
Gary Mann is President and Managing Director of Plan Consulting Services for Mann Associates. He is also responsible for the firm's client and referral source relationships. Gary started his professional career in Chicago with the Internal Revenue Service and has been in private practice for 30 years. His practice concentrates on the design of qualified plans and retirement planning for high net worth individuals.
Although his primary focus is on qualified plans, he has a broad knowledge of tax law as a result of spending 7 years at the IRS in the audit and employee plan divisions. Prior to leaving the IRS for private practice, Gary was one of three executives assigned to manage the Chicago District Audit Division. In private practice, Gary has represented clients at all levels of the IRS including the District, Appellate and National Office.
Having been engaged by publicly held companies and executive out-placement firms, Gary has provided workshops on retirement planning to executives that have been offered financial incentives for voluntary early retirement.
Gary has taught tax and employee benefit law for the IRS Audit Division training programs and has led many seminars including those included in the continuing education programs of the Illinois CPA Society. He has also co-authored and has been a contributing editor for many articles and publications on plan design.
A graduate of Roosevelt University in Chicago, Gary received his Bachelor of Science in Business Administration with a major in accounting and received his CPA certificate from the University of Illinois. He is a member of the American Institute of Certified Public Accountants, the Illinois Society of Certified Public Accountants and an Associate Professional Member of the American Society of Pension Professionals and Actuaries (ASPPA), and a member of the ASPPA Benefits Council of Chicago.
"As a seasoned professional, I have learned that with life come many challenges. Over the years I have found myself working with more and more women who are transitioning through difficult times in their lives. Often they are managing money for the first time. When put in this position to manage this wealth, the responsibility can be overwhelming.
As a financial advisor working in a family owned business, my clients have become my family. As my own family relies on me as the patriarch, over the years I have found my family of clients need my guidance and wisdom in an area that for many is unfamiliar territory.
Gary began his financial planning career in January of 1976, with Connecticut General, where he learned the intricacies of estate and financial planning from some the brightest planners in New England. Since then, Gary has personally assisted people of varied backgrounds and walks-of-life. His clients range from young adults, just beginning their careers and families, to seniors who have retired or are preparing to retire, and have accumulated wealth. He has specialized in working with closely-held business owners, who wish to take care of their business families, as well as their personal families. Gary helps guide them through the rough seas and changing tides of their lives, to the calmer waters that result from having a plan and working that plan.
Gary has earned the graduate degree designations of Chartered Life Underwriter (CLU), and Chartered Financial Consultant (ChFC).
Gary S. Radler was born and raised in West Hartford, CT. He went to Conard High School where he ran track, and cross country. Gary continued his studies at The University of Connecticut, where he studied business and psychology. Gary is an avid UCONN sports fan and attends all of the football and basketball home games, both men's and women's, to cheer on his teams.
Job Titles:
- Senior Partner and Co - Owner of Coastal Wealth Management Group
George Cumbest is a senior partner and co-owner of Coastal Wealth Management Group in Ocean Springs, MS where he is partners with like-minded financial advisors to serve people in overcoming the apprehension associated with financial advice, decisions, and wealth management.
Cumbest grew up in the small sawmill town of Wade, Mississippi. Following high school, he attended the University of Southern Mississippi, where he graduated with high honors and started his beloved career as a counselor. Although relatively young at the time, Cumbest was passionate about helping people and able to wisely assist families in navigating through domestic complications seamlessly, but this was not without trials in his own home. Cumbest, a new graduate, husband, and father, quickly learned the financial strain life could play on an adult and foresee through his clients as a counselor, the tailspin it led to if left without intervention. However, fervent in helping people, Cumbest found ways to manage and grow the small income he was receiving to maintain the career path he loved. Not knowing it at the time, this difficult period would eventually lead Cumbest to his true purpose in life. At age 27, Cumbest, a now experienced counselor found disciplined ways to productively manage the salary he received and decided that the experience gained in simply struggling to thrive financially for his family could greatly assist others in the world.
In 1998, Cumbest took a leap of faith and started a new career path as a financial advisor. For Cumbest, it was the best of both worlds; he could merge the knowledge he learned from counseling with his financial advisory expertise. Cumbest states, "When I was young, I needed a financial advisor to help me develop a sound financial plan. A sound financial advisor can open doors for clients that are otherwise left unattended until an advisor with true concern for client well-being comes along to help. Although my primary customers are business owners and people approaching retirement from local industries, I still enjoy working with young families as they are starting out". True to his original passion, George provides his clients with a broad spectrum of services, to ensure their best interest is diligently served.
He holds the following various securities registrations:
The Maleri Group is a family owned firm with over 25 years of industry experience, headquartered in Shelton, CT. We work with privately owned businesses, their owners and employees as well and other high net worth individuals. We consistently work to create a personal relationship that will stand the test of time. We use our years of experience and network of professionals to bring our clients through our process, which is designed to meet their unique personal and corporate goals and needs. We are here to reduce the anxiety our clients may have as it pertains wealth management and employee benefits and to inspire the utmost confidence in tomorrow.
Jada Edwards grew up in Alabama and attended Auburn University where she received her degree in Chemical Engineering. After graduation, she worked in the chemical industry as a process engineer and later served as a production supervisor. In this role, she had the good fortune to participate in a successful plant start-up in Belgium, an experience she reflects on with great pride and satisfaction.
In considering her own strengths in planning and analysis, along with an eagerness to help others, Jada decided to pursue a second career in financial services. She began her career primarily serving the New Orleans area and later transitioned her practice to Gautier, Mississippi, where she continues to maintain her primary office. Fortunately, the move afforded her the opportunity to be closer to home and family, both of which she holds dear.
In August of 2020, with 18 years of experience, she decided to combine her practice with other like-minded professionals as a senior partner with Coastal Wealth Management Group, LLC, headquartered in Ocean Springs, Mississippi. In this role, Jada continues to serve clients as part of a unique service platform, focused on providing an enhanced goal-oriented experience to each and every client.
Jada's industry credentials include Series 7, 6, 63, and 66. She is also credentialed as an Accredited Asset Management Specialist, awarded by the College of Financial Planning.
She is an active member of the Rotary Club of Gautier, having served as its President in 2012-2013, and continues to serve on its Board of Directors.
A self-described animal lover, Jada enjoys horseback riding and spending time with her many pets. She resides in Grand Bay, Alabama and also spends time away from her practice enjoying swimming, watching college football (War Eagle), and spending time with her family.
Born and raised in Oklahoma City, Jared Lester graduated from Purdue University with a Bachelor's Degree in Finance from the Krannert School of Management. After graduating, Jared moved back to Oklahoma to serve on the Treasury team as a Financial Analyst for the second largest producer of natural gas in the United States. While working, he spent his evenings obtaining an MBA from the University of Oklahoma. His loyalty, however, remains with the Boilermakers all the way.
After receiving his MBA, Jared decided to pursue his passion of becoming a Financial Advisor and move to the Chicagoland area. Between his expertise and empathetic nature; there is nothing Jared would rather do than help individuals financially and personally so they can identify and accomplish their lifelong goals. Times of transition can be extremely difficult and Jared understands that.
When Jared isn't in the office, he enjoys spending his time outdoors and staying active. Whether it be biking, running, hiking, or anything in between, he enjoys any activity that keeps him energized. Being from a family of 4 boys and marrying into a family of 4 siblings, family is something he deeply values.
The values and morals Jared emphasizes in his personal life he embeds into his professional career and he truly considers each client a member of his work family.
Job Titles:
- Financial Advisor
- Member of the Financial Services Institute
Jay B. Barclay has been a financial advisor serving his clients in the Indianapolis area for over 18 years. Except for the four years he spent in Bloomington, Indiana getting his BA degree in journalism, Jay has lived in Indianapolis, and kept a close tie to friends and community.
Jay began his career in financial services in 1999 after an 18-year career in the HVAC industry. He sold his business, Barclay-Holland Heating and Air Conditioning in 1997 and continued with the new company for two years. It was at that point that Jay realized he needed to pursue a new career closer to his heart.
Since early adulthood, Jay had searched for a financial advisor that was more than just a salesperson. He realized he had a need for someone to have a comprehensive understanding of all of his financial issues and personal goals, and give him professional advice and guidance. Jay was very goal oriented, but never found the advisor that could help him develop his own strategy for success.
As Jay contemplated his next career move, he assessed his abilities, skills, and strengths. He painted the picture of what he wanted to be doing far into his working career. Financial planning was the perfect fit.
Jay's first five years as a financial advisor were with AXA Advisors. In 2004 he joined the accounting firm of Dunbar, Cook and Shepard P.C. and worked in the DCS Wealth division until both firms were sold to separate, out-of-state firms in July 2013. Jay now continues serving his same clients at his office at Strategic Financial Planning.
Promoting personal financial education and helping as many people as possible gain control over their financial life is a passion for Jay. He has led and facilitated multiple, 13-week classes of the Dave Ramsey Financial Peace University at his church and several local YMCAs. He has also received certification from the Dave Ramsey organization as a Workplace Trainer. Jay presents seminars to various groups on a wide range of financial topics. His personal and easy-going style allows the audience to relate well and to understand and find comfort with sometimes difficult topics. Jay has also been a frequent contributor of articles for the business section for the Indianapolis Star.
Jay is a member of the Financial Services Institute and the Financial Planning Association.
Jay is married to Sharon Barclay. They have three grown children. Philip Barclay is married to wife Tida, and is enlisted in the U.S. Navy as a nuclear technician in Norfolk, VA. Mackenzie Barclay is living in Indianapolis and attending IUPUI. Joe Barclay is retired from the U.S. Marines and attending IUPUI. Jay and Sharon also enjoy their two pound rescue dogs, Tally and Roxy.
Jay is active in his community volunteering in multiple roles at his church, Meridian Street United Methodist Church. Jay also owns and maintains rental property and can still find time to enjoy one of his favorite hobbies, photography.
Job Titles:
- Chartered Retirement Planning Counselor
Jeff entered the financial services industry in 1996 after graduating with a bachelor's degree in International Relations from the University of Delaware in 1987 and almost 10 years in the corporate world. In 2011, he attained the Chartered Retirement Planning Counselor designation through the College of Financial Planning.
As a Chartered Retirement Planning Counselor, Jeff focuses his knowledge and talents on creating comprehensive wealth management strategies for his clients, by concentrating on overall portfolio and risk management. Jeff collaborates with attorneys and tax professionals to assist individuals, executives and business owners in managing and preserving their wealth.
Jeff, his wife, Stacy and their two children live in Auburn where they are active members of Auburn United Methodist Church. Away from the office, he enjoys golfing, traveling, sports, and spending time with family and friends.
John graduated from University of Delaware in 2001 and began his career in financial services that year. He specialized in group retirement plans working with hospitals and school districts across half the country. He then joined his office's Management team and began recruiting and developing new advisors. Shortly down the road John became a Managing Principal and ran offices in various locations including, Raleigh, NC, Minneapolis, MN, and Birmingham, AL. Later John decided to focus primarily on aiding clients. He now works one on one with Individuals and Businesses to help them achieve their financial goals.
John holds series 6,63,66, 7, and 24 Securities Licenses as well as Life and Health Insurance Licenses. While over his 20 years in the industry he has worked on nearly every type of financial planning and risk management he now specializes in Asset Management, Estate Planning, and Wealth Creation/Distribution. He believes in building relationships with his clients to better serve their individual needs.
John lives in St. Petersburg, FL where is office is also located. He has served for years with the charity Camp Erin, a bereavement camp for children who have lost a loved one. He also supports local businesses and fellow retired military.
Keith has been advising Montana families regarding their finances for the past 25 years. He provides guidance and direction for generations of Montanans, as they prepare for the challenging and fulfilling chapter of life called retirement.
Kendall joined Bay View Capital Advisory Group in 2018 through our partnership with the Northeast High School Academy of Finance as an intern. During his first 2 years he had an opportunity to translate classroom concepts to real world experiences. After a short break to focus on school he returned to continue to build on the experience provided with Bay View.
Kendall fills the void for reps who don't have an admin in special projects requiring short term administrative assistance.
Job Titles:
- President
- Owner of Bay View Capital Advisory Group, Inc
Michael (Mike) Rees is the owner of Bay View Capital Advisory Group, Inc. in St. Petersburg, FL and has over 30 years of experience in the financial services industry.
Sean has a hybrid role with in the Bay View team, he is a Financial Advisor with a focus on Financial Planning, and he is passionate about helping his clients navigate their life and retirement. He is also the first point of...
Job Titles:
- Partner
- Partner at Bayview Capital Advisory Group Inc
Tina is a partner at Bayview Capital Advisory Group Inc. She started her financial journey 24 years ago as an Administrative Assistant, maintaining documents and records. She has since gone on to earn..