Monica Szakos Cramer is a Senior Financial Adviser and Partner with Asset Preservation Strategies, Inc. Monica specializes in financial planning and empowerment through education. Her expertise revolves around technical and fundamental investment analysis. This allows her to take the emotion out of investing and focus on managing through market volatility. Monica is actively involved with the Asset Preservation Strategies, Inc. Advisory Board and leads the firm’s Investment Policy Committee. She believes that an effective client-financial advisor relationship is a partnership and requires open and honest communication on both sides.

Monica holds a Bachelor of Business Administration degree with a Real Estate emphasis and a minor in Accountancy from the University of San Diego. She holds life insurance licenses as well as her Series 7 and 66 securities registrations through Arete Wealth Management, LLC and Axxcess Wealth Management, LLC. In this capacity, she specializes in investments, portfolio construction, real estate, and financial planning for retirees, women, and young investors. Monica has been with the team since 2011 and became a partner in 2018.

Monica is also a professionally trained presenter and conducts numerous seminars and workshops each year. She is passionate about helping her clients achieve freedom from worrying about money and investments. She strives to bring insight and clarity to complex concepts in a meaningful way. She also serves as an experienced resource for the media and receives media inquiries regularly.

She most enjoys that fact that each client situation is different and uniquely complex. Her goal is to help clients understand what their options are so that they can make the choices that are best for their financial future. Rather than focusing on a particular solution, Monica is invested in educating and guiding her clients. Monica takes pride in the fact that her clients say that she is able to explain financial concepts in a way that is simple, concise, and easy to understand. Her clients also really appreciate the detailed attention she gives to their portfolios and financial lives.

Meet Monica

Monica is originally from San Diego, California. She grew up in a family whose primary investments were in real estate. In college, she worked as a computer consultant where one of her clients was an active stock and options trader. He taught her about market cycles and how he made his investment decisions. He would ask her opinions on some of his trades and he was the first person to suggest that she consider a career as an investment advisor.

Monica’s first job in finance was at the age of 15 where she was taught that hard work, perseverance, and dedication pays off.

Monica still lives in San Diego with her husband Adam and their French Bulldog, Jack. In her free time, she likes to find homes that need TLC and make them beautiful again, collect and restore antiques, spend time with family, and travel to Hungary when she can. She also enjoys sports, fashion, and philanthropic endeavors.

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Fun Facts

● Her family is originally from Hungary and she has a strong bond to Hungarian culture and traditions.

● She plans to obtain her General Contractor's license

● She has a soft spot for animals and supports animal welfare causes when she can

● Although no longer fluent in all, she has utilized 5 different languages over the years.

Education

B.A. in Business Administration, minor in Accounting, University of San Diego, 2007

Certifications

CA Resident Insurance Producer Certified Financial Planner– currently pursuing this designation.

Professional Alliances

Thomas S. Allen, Certified Financial Fiduciary, BS, MSFS

Undergraduate and graduate degrees in accounting in finance. Worked in finance services for over 30 years. 

Former CPA (Missouri & Texas) with heavy experience with tax, audit, and management counseling for both large and small businesses. Fellow of the National Tax Institute. Certificate in Blockchain and Digital Assets (sm). Member of Digital Assets Council of Financial Professioinals. 

As a Financial Specialist, my current multi-state practice is mainly limited to financial and retirement services for retirees and individuals nearing retirement. Utilize extensive tax and financial background to increase retirement income during retirement and reduce federal and state taxes. 

With his customer-focused approach, Retirement

Income Planner Theodore “Ted” Bytnar develops

fresh approaches and new solutions to help clients

overcome change and reach their financial goals.

“It’s all about knowing your client, establishing

goals, and building trust.”

Bytnar uses his 28 years of experience in the financial

industry and his past successes to help clients

evaluate the most effective solutions. “I’ve seen how

clients have utilized the services we’ve rendered,” he

says. “I use this experience to help new clients make

effective decisions.”

When meeting with individual and business clients,

Bytnar gathers information on their insurance and

financial product needs. Rather than offering a one-sizefits-

all product, he evaluates their goals and proposes

customized coverage options to protect their wealth.

“My creative way of approaching specific situations

allows me to help my clients problem solve,” Bytnar

says. “I have clients with unique situations who need

to be at a certain point in a certain time financially,

and it motivates me to help them reach their goals.”

Working with individuals approaching retirement

or already in retirement, Bytnar says his objectives

are to build a strong relationship and continually

communicate and revisit their investments to keep

their plan on track so clients can live the retirement

of their dreams.

Bytnar is licensed in Life and Health insurance,

Property and Casualty insurance, as well as in Real

Estate. He began his career in the financial industry in

1987 as an insurance wholesaler. While overseeing

more than 50 insurance agents, he became an expert

in the wide variety of products offered. He also

championed superior customer care and excellence

for both new and existing clients.

In his free time, Bytnar is an avid golfer and

mountain biker. He enjoys attending sporting events

with friends and family, staying active outdoors and

playing sports.

Damon Ladd-Thomas – The President of Johns Creek Advisors, Certified Financial Fiduciary®, graduate of The George Washington University – has been in the financial services industry for over 26 years.
He is a husband who is completely in love with his wife Taty and Daddy to two very active kids.
When the weekends come you will find him in the garden, playing saxophone to Tower of Power.
Give Damon a call, to talk about all of your investment needs and structuring complex family and business risk mitigation, funded by insurance, anytime… except during weekend concert time in the garden. 470.539.4522.
Favorite Quotation: “Time is more value than money. You can get more money but you can not get more time.” Jim Rohn.
Favorite Food: Anything my Wife makes.

Ed graduated from Temple University's business school with honors in 1992. After doing recovery work for New York based money center banks, Ed secured a Financial Advisor position at Prudential Securities; working in Philadelphia and Manhattan. In 1995 Ed chose to become an independent advisor along with Glenn Scharf. Ed and Glenn have worked together ever since. "Being independent has gone hand-in-hand with our business being focused on the client first." Ed is married to Kathleen. They have three children; two in college and one in grade school. Ed is a Certified Financial Fiduciary®, responsible for the development, implementation and maintenance of investment portfolios, along with strategic planning with and for clients and prospective clients. He is also the Investment Team Leader.

Antoine G. DuCros, Founder and President of A.G. DuCros Advisory, LLC has been working in the Financial Industry since 1978. Antoine has been a resident of Colorado Springs, Colorado for over 40 years and graduated from the University of Colorado, Colorado Springs.

With 40 years of experience in the financial services industry, Antoine specializes in guiding seniors and others on financial tools, and preparing for retirement. He prides himself on putting his clients first and has high ethical standards. Antoine has built a successful business by providing stronger retirement income planning solutions to help address the growing financial concerns many mature adults face today. He works with individuals, business owners, and families to implement innovative strategies designed to help reach their financial goals using various insurance products. Antoine has four core values that guide him professionally and personally. The values are faith, family, integrity and making a difference. These core values reflect how he works with his clients and community.

Antoine and his wife Sybille, have been married for over 30 years and are proud parents of daughter Nicole. Antoine is an accomplished Public Speaker and motivator. His hobbies include reading, spending time outdoors, hiking and bicycling

Scott is co-founder of Liberty Wealth Management, LLC, which specializes in wealth management and a unique approach to strategic retirement income planning for both the accumulation and distribution. Scott entered the financial services industry in 1986 after serving in the United States Navy as a personnel administrator.

Scott has worked collaboratively with accountants and attorneys for over 30 years to provide the best possible advice and service to his clients. He holds his series 7,24,63,65 and life insurance licenses

Scott has offices in Syracuse, N.Y and Franklin, TN where he resides with his wife Connie. They have two grown children and a granddaughter.

Scott is co-founder of Liberty Wealth Management, LLC, which specializes in wealth management and a unique approach to strategic retirement income planning for both the accumulation and distribution. Scott entered the financial services industry in 1986 after serving in the United States Navy as a personnel administrator.

Scott has worked collaboratively with accountants and attorneys for over 30 years to provide the best possible advice and service to his clients. He holds his series 7,24,63,65 and life insurance licenses

Scott has offices in Syracuse, N.Y and Franklin, TN where he resides with his wife Connie. They have two grown children and a granddaughter.

Jim Cooper has been a Licensed Life and Health Agent and Income Planner for the last 10 years. He graduated from Lesley University with a Bachelors in Business Management and after graduation Jim spent 30 years working in the area of engineering within the Defense Industry. During that time he traveled around the world helping to resolve all types of system problems. This experience has helped Jim understand how to find flexible solutions to complex problems.

Fundamental to Jim’s business approach is understanding that although everyone reaches retirement age each person has their own specific needs, goals, and dreams. Over the years Jim has found that the questions everyone has are how do they achieve their dreams and goals and how do they live in this new stage of their life. These are complex and very important questions so drawing from his past experience Jim works with his clients to understand all the issues surrounding their retirement. When all the information has been discussed and all the dreams and goals have been accounted for Jim and his clients then work together to create a straight forward and easy to follow retirement plan.

Central to Jim’s business is creating long term, successful personal relationships which means that Jim treats every client with respect, patience and understanding.