Cherese L. Spand has thrived in the financial
services industry for over 16 years.
She attended Mercy College in Dobbs Ferry NY.
Her corporate experience along with her
secular experience has moved her to educate
her clients in the areas of Insurance, Tax free
Retirement Planning and Asset Protection.
Cherese’s unique skill set and determination
has set her apart in the Financial Services
arena. Her focus is educating women and

small business owners on the
importance of having a solid financial blueprint. That will prepare them to be Savvy, Healthy & Empowered. 
Cherese is a member of Rotary International.
She sits on the Executive Board for Monroe
County Women’s Commission, And the
Diversity Council for the LKN Chamber of
Commerce. She won Twilight Rotary
Distinguished Rotarian of the year for 2018-2019

My primary goal as a Financial Planner – Certified Financial Fiduciary is always to place my client’s best interest first. I will always exhibit a conduct that will exemplify Loyalty, Good Faith and Good Care to you and your assets. You will encounter the utmost professionalism from our interactions. During these interactions, I will seek to better understand your financial goals and needs. Together, after conducting a thorough analysis, I will enable you to better understand what you own or will own. If thereafter, recommendations for change are needed, I will always employ full disclosure of all terms and fees. I utilize a holistic approach that considers all aspects and factors that affect your circumstances. Recommendations will include pros as well as cons! Confidentially of our conversations and your records are received by me with the highest regards to your privacy.  Finally, after proceeding in this strategic direction, you will be capable of better assessing your future risks in a transparent pathway outlined to you. Strategies will typically include a combination of Investments and Insurance. Concepts utilized will involve Retirement Planning, Risk Management, Estate Planning. Most importantly, I will be a sounding board for all your financial concerns moving forward.

I have 37 years of experience in the Financial Services Industry. Aside from being a Certified Financial Fiduciary,  I hold the designations of Financial Planner, Chartered Retirement Planning Counselor [CRPC(r)], My licenses include being a General Securities Registered Principal, General Securities Sales Supervisor,  Registered Options Principal and Investment Advisor. I am also a FINRA Arbitrator and Mediator spanning 26 years.

Currently licensed to sell insurance in: NY, NJ. CT. Regarding security sales, I'm licensed in: NY, NJ, CT. FL and PA and MD. If necessary, I can get registered in any of the 50 states.

Brian Walsh, Jr. joined Walsh & Nicholson Financial Group in 2017 to bring a new age of trusted, prudent and holistic financial planning to individual clients, businesses, and Group 401(k), 457 and 403(b) plans.  As a fiduciary, Brian believes that every decision that is made should be in his client’s best interest. He works diligently with his clients, understanding their needs to help build a custom financial plan for their individual goals. 

Before joining Walsh & Nicholson Financial Group, Brian spent five years with Lincoln Financial Group.  Brian lived in San Francisco, California, where he was responsible for implementing Lincoln’s retirement income strategies for high net worth clients. 

While at Lincoln, and through his work in retirement planning, Brian noticed a need for better group 401(k) plans and 457 governmental plans, as well as better financial wellness tools for employees of those plans. Now, Brian works with employers to design plans for their individual businesses while reducing plan fees. Brian also designed the new Walsh & Nicholson website to be a comprehensive financial planning resource for employees and individual clients. 

Brian received his MBA in Finance from Syracuse University and his Bachelor’s Degree from Cabrini University. He holds series 65, 7, 6, 63 and Life Accident & Health insurance licenses.  Brian is a Certified Financial Fiduciary (CFF) and Certified Funds Specialist (CFS). Prior is also working towards completing his Certified Financial Planner (CFP) Designation. 

Prior to his career in Finance, Brian was a police officer in Prince William County, Virginia. Brian was nominated as squad leader by his peers and led responses to high risk calls and warrant services. He was twice nominated for officer of the month; once for tracking down and apprehending the suspect of a kidnapping, and for his work on domestic violence cases. 

Brad Bishop received his Bachelors of Science in Marketing from Messiah College. Brad holds his series 6, 63, and 65 license. In addition to being a Certified Financial Fiduciary he is also a Dave Ramsey SmartVestor and a Certified Bucket Plan Advisor.  Before working at AZT Financial, he worked as a Brand Manager at Clemens Food Group and a Branch Manager at Univest Bank.  Brad resides in Harleysville with his wife Elissa, and 3 children, Keira, Nolan, and Brynnlee. Brad attends church at LCBC and serves on the board of Ancora Spero and Indian Creek Foundation. He also enjoys hunting, trail racing, playing sports with friends, and rooting for the Eagles, Sixers and Phillies.

As a seasoned financial services advisor, Charles H. Wilson works diligently alongside his diverse array of clients to helpt them identify, progress toward, and achieve their most meaningful financial goals. Currently, Charles heads Ethonomic Solutions, in partneship with Davis & Davis Planning. His firm provides a wide range of personal financial services, including financial analysis, retirement planning, individual life and health insurance, estate planning, disability income protection, college funding, and assistance with estate planning and equity investments. For business clients, he offers a comprehensive and cost-effective selection of pension plans, retirement plans, and profit-sharing programs. He is licensed by the National Association of Securities Dealers and earned the distinction of being a Life Underwriters Training Council Fellow. 

Prior to bringing his talents to the financial services industry, Charles had a distinguished career as an officer in the U.S. Air Force. Through drawing on his experiences in the armed forces, as well as his later professional experience as a cheif finance officer, personnel manager, training manager, vice chairman, of Cameron Station Credit Union, and entreprenuer, Charles leverages his unique abilities to connect clients' financial goals with strategies that will  position them for success. For his professional achievements, since 1990, Charles has been listed in Who's Who In the Finance and Industry. 

Charles' commitment and service to his community is also commendable. He has been a proud resident of Alexandria, Virginia for over 20 years and advocated on behalf of the city's children, teachers, and parents as a chairman of the Washington Area Boards of Education and as an elected school board member. In the role of vice chairman of the Northern Virginia Hotline, now Crisis Hotline, he worked to strengthen the organization's ability to serve the region's most vulnerable residents. He is also an active member of Omega Psi Phi Fraternity, Inc. As a respected speaker, he has led workshops on numerous topics related to financial sercurity and career success. 

Charles earned a bachelor's degree in business administration from the Univeristy of Maryland, and an MBA from Webster University. He is also a graduate of the Industrial College of the Armed Forces. 

John T. Davis is a financial services professional who has helped countless Baby Boomers and retirees build a stress free, secure and happy retirement. John's passion since 1982, is to help you design a retirement goal focused strategy that coordinates all of your financial resources to secure your retirement

Gregg is the President and Founder of the WizdomOne Group Family of Companies. A group of companies built around his focus on the accumulation, preservation and transfer of wealth for entrepreneurs, business owners and executives.  He is a Chartered Financial Consultant and a 15 year veteran of the industry.

He is a husband of his high school sweetheart and the mother of his three vegetable loving kids. (Not a typo) Gregg frequently speaks ( in two languages ) at industry events, sharing his passion for financial wellness for entrepreneurs, business owners and executives. When he isn't working with his clients or visualizing the next direction for the WizdomOne Group of Companies, he spends time with his family, hiking and passionately watching his Boston Bruins.

Professional Experience

Jeffrey is Senior Partner and Investment Advisor Representative with Legacy Investment

Services. As an Investment Adviser Representative, Jeffrey advises clients on meeting their

financial and retirement goals. He uses the Legacy Investment Services, Philosophy of best in

class financial products to meet the needs of his clients. As an independent investment adviser,

he uses non biased research to keep his recommendations current utilizing the best products that

have been in use for years along with products that are newer to the market place.

Jeffrey notes that he finds most of his success with his clients is from uncovering their concerns

and objectives before making any recommendations. He has a firm belief in engaging the client

through education and continuous revaluations of client’s needs, to keep clients objectives in

focus.

Professional Certifications

• Certified Financial Fiduciary®

• Series 7 & 66

• Licensed Health & Life Insurance Producer ~ State of Illinois

• Registered Representative with Woodbury Financial Services, Inc, Independent

Broker/Dealer and Member FINRA and SIPC

Education

Master of Science, Computer Science (Numerical Analysis), Stanford University

Master of Science, Civil Engineering (Infrastructure Planning), Stanford University

Bachelor of Science, Engineering & Science, U.S. Military Academy, West Point

Work Experience

1976 - 2001 — Officer, Corps of Engineers, United States Army 

2001 - 2017 — Financial Advisor, CFP^®, and limited partner, Edward Jones

2017 - Present — Financial Advisor, CFP^®, Certified Financial Fiduciary^®, and Owner and Principal, SYV Wealth Advisors LLC

Community Activities

Member of the Board, Food Bank of Santa Barbara County

Former President of the School Board, Santa Ynez Valley Union High School District

Former Chairman, Santa Barbara County Chapter, American Red Cross

Past President, Solvang Rotary Club

Past Assistant Governor, Rotary District 5240

Former Chairman, Cachuma District, Boy Scouts of America

Former Director, Buellton Chamber of Commerce

Vice Commander, American Legion, Santa Ynez Valley Post 160

Former Chairman, Santa Ynez Valley Youth Coalition

Member of the Executive Board, Central County Coalition

Former President, Santa Ynez Valley Community Aquatics Foundation

Recognition

Who’s Who in America, Who’s Who in Science and Engineering

Family

Bruce resides in Santa Ynez with his wife of 34 years, Janette, who is an RN and school nurse.  They have three grown children and a grandson.