THREE CORD - Key Persons

Amanda Albanese - Chief Compliance Officer

Job Titles:
  • Chief Compliance Officer
  • Board Director and Treasurer of the Historic Grove Cemetery
Amanda "Mandy" Albanese, CPA serves as Director of Tax for Three Cord True Wealth Tax Solutions, LLC and Vice President of Finance for Three Cord True Wealth Management, LLC of Beaver and Pittsburgh.

Elisabeth "Betsy" Flinner

Job Titles:
  • Assistant for Three Cord True Wealth Management
  • Senior Tax Account and Planning Assistant
Elisabeth "Betsy" Flinner serves as Senior Tax Account and Planning Assistant for Three Cord True Wealth Management, LLC of Beaver and Pittsburgh. She specializes in tax compliance, primarily for small business owners and high net worth individuals. Due to her wide-ranging experience, Betsy brings a strong set of intangibles to her interaction with clients. She knows how to work closely and build long-term professional relationships with her clients. Because each client has his or her own personality, temperament and understanding of technicalities, Betsy's knowledge and flexibility gives them piece of mind that their tax planning and preparation is being well-handled.

James E. Garr

Job Titles:
  • Director of Retirement and Income Distribution Planning
James E. Garr, MBA, ChFC®, CLU® is an LPL-registered representative with Three Cord True Wealth Management Group. He heads the firm's Retirement and Income Distribution Planning Group. Mr. Garr serves 60 corporate clients, many owned by entrepreneurs in such niche fields as forestry, engineering, construction, health care, manufacturing and non-profit service. His mission is to help individuals save for retirement and assist their employers in offering competitive compensation for recruiting and retention as well as determining optimal amounts of contributions to qualified retirement plans. He is adept at advising CEOs on how to prioritize and make often-difficult decisions on the features, costs and benefits of their employee benefits plans, and is a technician in helping clients' processes run smoothly. Among his professional specialties is 401(k) plans. Before joining Three Cord True Wealth Management Group, Mr. Garr served for two decades as a qualified plan specialist with the Pittsburgh office of a large insurance and financial planning firm headquartered in France. In this role, he focused on clients with pension plans, primarily micro companies of 300 or fewer employees, and was their trusted go-to expert as a trouble-shooter and liaison with actuaries and administrative record-keepers. He currently holds Series 6, 7, 63 and 65 registrations through LPL Financial. Earlier, Mr. Garr was a corporate finance and business development specialist for Ladbroke Racing Corporation, a gaming and hospitality company in Detroit. He began his career in corporate finance with Hyatt Corporation in Chicago. In the community, Mr. Garr is a former commissioner of the Ingomar-Franklin Athletic Association, overseeing Little League and Pony League baseball. He also raises funds for the Neighborhood Academy in Pittsburgh's Oakland section, where he has tutored disadvantaged youth. Mr. Garr received his master's degree in business administration in 1988 from the University of Chicago. He obtained his bachelor's degree in 1984 from Cornell University.

Nicholas J. Raught

Job Titles:
  • Financial Advisor With the Beaver Office of Three Cord True Wealth Management Group
  • Financial Planner
Nicholas J. Raught is a licensed Financial Advisor with the Beaver office of Three Cord True Wealth Management Group. Having passed FINRA's Series 7 held with LPL Financial and 66 examinations held with Three Cord Wealth Management and LPL Financial and obtained the CERTIFIED FINANCIAL PLANNER™, Mr. Raught focuses on developing and delivering financial planning services to the firm's clients. This ranges from preparing client presentations to conducting research on clients' behalf. He assists in actively managing the Three Cord True Wealth Management Group Academy educational series for clients and friends of the firm. In the niche of college planning, he concentrates on assisting families with planning for how best to pay for college so students may graduate with manageable student loan debt. This process helps families determine existing resources, establish student loan goals and identify schools that fit within their budget. Mr. Raught joined the firm in 2016 following his graduation from the University of Pittsburgh, where he obtained a bachelor of science degree in business administration, with a major in finance and a minor in economics. He was named to the Dean's List. As an undergraduate, Mr. Raught was a Three Cord True Wealth Management Group summer intern and helped manage BranchNet iDoc and WealthVision technology and the Morningstar Advisor Workstation system. He also gained basic knowledge of asset management, asset allocation, and estate and retirement planning, insurance and college planning opportunities. He is an active volunteer with Family Guidance, a faith-based mentoring program benefitting vulnerable children and families of all cultures throughout the Pittsburgh region. Mr. Raught is a resident of Beaver.

Pamela M. Roesch

Job Titles:
  • Assistant and Team Leader With the Beaver Office of Three Cord True Wealth Management Group
  • Wealth Plan Assistant and Team Leader
Pamela M. Roesch is a wealth plan assistant and team leader with the Beaver office of Three Cord True Wealth Management Group. In her role, Pam frequently interacts with clients, helping demonstrate Wealth Plan software, prepare introduction packages and manage documentation, website and account aggregation issues. She also assists in the preparation of wealth plan documents, weekly market updates and annual reviews. As a team leader, she helps to direct internal compliance matters and coordinates training and education. Pam takes a personal interest in mentoring women of all professions and vocations, especially utilizing "after-hours" time. She is a board director of the Women's Business Network of southwestern Pennsylvania and is a charter member and representative of its Beaver County chapter. She is a former mentor to the women of the Les Femme Stock Club. She also leads the firm's internship program and has spent substantial advisory time with young aspiring business women. Pam encourages others to reach for their dreams through a combination of education and by establishing guiding principles to support their planning and courses of action. Her motto: "Do not be afraid to fail, because life is about how you handle plan B." Pam has a distinctive commitment to individuals with special needs. She has volunteered with Career Literacy for African American Youth (CLAAY), a program of Duquesne University's Institute for Economic Transformation involving one-on-one career mentoring, academic tutoring and programming. Active with the Self Determination Movement, she has helped individuals with disabilities to lead lives of greater independence. She helped establish The Ted Foundation, where a client with Downs Syndrome become incorporated as a foundation for the management of his state and federal funding support, one of the first microboards to be established as a 501(c)(3) organization in the nation. She is a board director of the Beaver County Foundation and has volunteered with the Child-Life Program at Children's Hospital, Pittsburgh, to assist children, teens and their families in adjusting to illness and hospitalization; and as a counselor with the Bereavement Ministry through Pittsburgh Catholic Charities at St. Francis Cabrini Church, in Aliquippa, PA. When Pam was a finalist for the ATHENA Award of Beaver County, the Beaver County Times praised her ability to "support and assistance for entrepreneurial and established women-owned businesses" and said that one of her clients publicly said she wished she would have had the guidance of Pam and the firm when she first started her business. Prior to joining Three Cord True Wealth Management Group, Pam was a registered representative with Commonwealth Financial Network, Inc. and the Prudential Life Insurance Company. She graduated from Penn State University with a bachelor of science in mathematics.

Tod R. Arbutina

Job Titles:
  • Managing Member
  • Managing Member of Three Cord True Wealth Management Group
  • Member of the American
Tod R. Arbutina is managing member of Three Cord True Wealth Management Group, LLC and a registered representative with LPL Financial. With Big Four experience, and as a CERTIFIED FINANCIAL PLANNER™, he has spent more than three decades as a CPA and business leader. He is also the founder of Three Cord True Wealth Management Academy, an initiative to provide objective, independent financial education to the community. Mr. Arbutina has been profiled in Kiplinger's for his financial planning acumen. Since 2012, he has been named in Pittsburgh Magazine as a Five Star Wealth Manager and as one of the "best personal wealth managers in the Pittsburgh area." The awards are based on 10 objective criteria associated with providing quality services to clients such as credentials, experience, and assets under management, among other factors**. In 2006, he was included in the Guide to America's Best Financial Planners, published by the Consumers' Research Council of America, based on a system that awarded points for education, years in practice and affiliations with professional associations. Mr. Arbutina is a member of the American and Pennsylvania Institutes of Certified Public Accountants and the Institute of Certified Financial Planners. He is a former board director of the Beaver Area Heritage Foundation and Big Brothers Big Sisters of Beaver County and as chair of its annual auction helped raise $100,000 over several years. Previously, he served in leadership roles with the Beaver County Red Cross and the Rotary Club of Beaver. He holds a bachelor's degree from Gettysburg College and an MBA from the University of Pittsburgh Katz Graduate School of Business.

Vasilios "Vasili" Rizos

Job Titles:
  • CERTIFIED FINANCIAL PLANNER
  • Financial Planner
Vasili is a CERTIFIED FINANCIAL PLANNER® and Chartered Financial Analyst® with Three Cord True Wealth Management of Beaver and Pittsburgh and a registered representative with LPL Financial.