PENDRAY FINANCIAL - Key Persons

Job Titles:

• Registered Investment Advisor
• Senior Investment Advisor, Registered Principal

Keith joined Pendray Financial Advisory in January of 2019 bringing 25 years of financial planning experience to his former team. We are thrilled to have Keith as he brings a wealth of knowledge and his characteristic Southern charm to PFA. Mr. Golden began his career in 1994 with Bear Stearns in Atlanta working alongside our team of experienced investment professionals. He focused on high net worth clientele and institutional trading. After leaving Bear Stearns in 1996 and moving to Paine Webber in Palm Beach, Florida, Keith became the groups' senior private client advisor emphasizing tax-efficient investment strategies. Mr. Golden transitioned his business into an independent advisory firm in 2004 and now brings those synergies to Pendray Financial Advisory. Keith also works directly with CPAs and Attorneys who specialize in forensic accounting, litigation support, business valuations, individual and estate taxes. In this capacity, Mr. Goldens' primary objective is to provide guidance in estate, investment, and tax planning issues to the mass affluent. A native of Tallahassee, Florida, Keith is a Registered Investment Advisor and Registered Principal. He holds a B.S. in Economics from Florida State University. He also holds FINRA Series 6, 7, 24, 63, 65 licenses as well as life, health, and variable annuity licenses in Florida.

Job Titles:

• Senior Investment Advisor

A native of Fort Lauderdale and the older brother of Sean, Mr. Rule has over three decades of experience working in the financial services industry including time spent in the employ of some of the most well regarded firms in the securities world. In addition to his role as a managing director at the venerable Bear Stearns Firm, Larry worked as a Sr. VP with Paine Webber, Wells Fargo, and Morgan Keegan, where he was a chairmans' circle member in the top 5% of the firm. Mr. Rule's area of emphasis lies in the selection and ongoing management of tailored investment portfolios for qualified clients. This begins with a full budgetary analysis of client income and expenses and carries on into a full asset allocation evaluation and, subsequently, a recommendation including diversified investment and guaranteed solutions therein. Larry has extensive experience evaluating companies and debt offerings as well as private offerings and uses this knowledge to select appropriate growth, income, and tax efficient vehicles for our clients. He is also adept at creating monthly cash flow for portfolios as clients age, moving from asset accumulation into capital preservation and ultimately distribution of assets. Larry is Series 7 and 63 licensed. He and his wife Laura met at FSU and have been married for almost 30 years. They reside in Port St. Lucie, Florida and have three sons, Trey, Hayes, and Davis. Avid golfers, Larry was semi pro while Trey and Hayes both played varsity golf at Mercer University. Trey is now in golf ministry while Hayes pursues a law degree at Florida State! Go Bears and Seminoles!

Job Titles:

• Principal and Owner of Pendray Financial Advisory Incorporated
• Senior Investment Advisor and Principal

Sean was born in Miami and is a graduate of the Florida State University with a BS in political science and a masters in public administration (MPA) from the University of Miami. Mr. Pendray has almost three decades of experience in financial advising and asset protection strategies. Sean has worked with some of the most well regarded firms in the financial world including Bear Stearns and Paine Webber as well as within the financial divisions of banking giants First Union and Citibank. His experience encompasses permanent income creation, asset management, trust, insurance, lending and other core competencies within the financial services arena. In his sub-specialization within the settlement planning arena Mr. Pendray has advised on and placed hundreds of millions of dollars in legal settlement awards in asset management, annuities, and trust over the course of his career. Mr. Pendray has held various industry credentials including securities licensing in Series 6, 7, 62, 63,and 65 (registered investment advisor and fiduciary), with insurance licenses in life and annuities as well as the distinguished Certified Structured Settlement Consultant designation through the NSSTA program developed in conjunction with the University of Notre Dame Mendoza College of Business Executive Education Program. Mr. Pendray is a fifth generation Floridian and resides in Palmetto Bay (suburban Miami) with his wife Melanie and two young children, Sophia and Luke. He is an active advocate of both his trial attorney and plaintiff clients and as such is a member of the Miami Dade Justice Association, the Broward Justice Association, the Florida Justice Association, and many more. Passionate about working with children, Mr. Pendray was the president of Kiwanis of Coral Gables for 2010-2012 and remains an active board member. Kiwanis International is a fund-raising organization dedicated to serving the children of the world via scholarships for underprivileged youth, volunteer work, and mentoring as well as various philanthropic initiatives in communities everywhere. He has also worked on behalf of the American Cancer Society and ran marathons to benefit Leukemia and Lymphoma research in tribute to his father who was a cancer victim and his mother who is a breast cancer survivor. Sean is the principal and owner of Pendray Financial Advisory Incorporated, a boutique financial advising practice serving sudden wealth recipients and the mass affluent. He is also a partner planner heading business development for Synergy Settlement Services in South Florida. Synergy works with attorneys and their plaintiff clients within the legal settlement planning world. Mr. Pendray runs the Miami/Ft. Lauderdale/WPB office and is located in Miami.