Planning for your financial success is complicated in

today's world. A broad knowledge of everything from

complex investment products to elaborate tax law is

required. As the scope of financial services grows, so

does the need for professionals to provide these

services. That's why we approach your financial

planning needs with a team of specialists. It's the key

to our success, and yours. We look at your whole

financial picture from a cross disciplinary perspective.

This allows us to find coordination gaps or

opportunities with your overall financial plan.

Certified Financial Fiduciary® (CFF) upholding the

highest moral, ethical and fiduciary standards of

service

Twenty-six years combined experience: Financial

planning and advising, consulting, and fiscal

management

FINRA Series 7 & 66 Registrations

Life, Health, Disability, & Long-Term Care Licenses

Member of Community of Christ Church

Volunteer for numerous charitable organizations

Eagle Scout: Boy Scouts of America, Heart of

America Council

2018 & 2019 Five Star Wealth Manager Award

Recipient*

S P E C I A L I Z A T I O N S

FAMILY PROTECTION

WEALTH ACCUMULATION

BUSINESS RETIREMENT PLANS

INDIVIDUAL RETIREMENT PLANS

BUSINESS CONTINUATION

M O R E A B O U T B R E N T

Brent and his wife, Michele, have been married for

27 years. They have a son, Cole, and a daughter,

Rian, with whom they support and participate in

numerous sports and music activities together. The

Caswell family lives in Independence, MO.

Michele Lenderman has over 25 years of financial experience and specializes as an Independent Retirement Income Specialist. Michele’s personalized approach focuses on taking the time to get to know her clients and creating long-term relationships. Through a comprehensive step-by-step process, she demonstrates to her clients how they can obtain a lifetime, guaranteed income stream in retirement – which they can never outlive – all while protecting their principal.

As a Certified Financial Fiduciary and Registered Member of the National Ethics Association, Michele dedicates herself to providing the highest standard of service by always putting her client’s best interest first. By providing unbiased information and easy-to-understand explanations, her clients become excited and confident in taking a more active role in their retirement planning and decision-making process. “Take control and stay in control of your future wealth and protect your loved ones that may survive you".

As an “Independent” Financial Professional, Michele does not work exclusively with one company rather utilizes resources from multiple top-rated companies to provide the best solutions for her client’s specific needs. She provides independent guidance and recommends optional products which contribute to overall more independent solutions to her clients.

-        Retirement Income Planning

-        Federal Employee Benefits

-        Asset Protection

-        Estate/Legacy Planning

-        Charitable Gifting

-        Long-Term Care Planning

-        Maximizing Taxes in Retirement

Michele (personally and financially) supports Children's Mercy Hospital in Kansas City, Missouri where she helped develop and continues to support the “Same Day Bear Program” where children are told they may take a “Friend” into surgery with them. Michele enjoys gardening, cooking, traveling, and spending time with her family & friends. She is a proud mother of two daughters. Her eldest is a Business Owner residing in Australia and her youngest is a Consumer Loan Processor in Kansas City.

Mitchell Rubin is CERTIFIED FINANCIAL PLANNER™ professional and ACCREDITED ESTATE PLANNER™, founder of ProWealthOne, an independent financial planning firm, with offices in New York, Houston and Palm Beach.

Mitchell has been an industry leader since 1997. He is quoted and consulted often by nationally -recognized media outlets such as Business Week, Smart and Best Life. He has written numerous published articles, had guest appearances on top financial radio programs, and taught Retirement Planning and Employee Benefits at Florida Gulf Coast University.

Mitchell’s quality time away from his practice is spent with his family here in Katy where he resides, as well as his two grown sons. He is an active member of the Katy Area Chamber of Commerce and the Katy Area Economic Development Council. Leisure time is consumed by his love of sailing, skiing, running and playing tennis.

As the host of the Safe Money Radio Show, author of numerous published articles, host of several financial education workshops and a nationwide presenter of Safe Money Concepts, Eric has enjoyed helping people all across the nation protect their retirement money.   

”Over the years, I have helped people of all ages protect millions of dollars in retirement assets and not one of those people has ever lost a penny from market downturns.  There is something truly wonderful about being able to help people have peace of mind about their financial future.”

Eric is a Certified Financial Fiduciary ®, the only designation that focuses solely on training financial professionals to be true fiduciaries. The CFF® designation ensures that fiduciaries adhere to and uphold the highest moral, ethical and fiduciary guidelines and practices for investments that are determined by state regulators.  Eric has stayed on the forefront of all education and standards for financial advisors.  That has propelled Eric to the top of the list in his area for retirement income planning. 

A multi-state licensed financial professional with over 30 years of experience, Eric specializes in planning for and protecting your retirement.  He is a featured author and contributor to FOX Business, annuity.com and several others.

Eric is a native Floridian. He and his wife Laura of nearly 20 years, are family oriented and are the proud uncle and aunt to 15 nieces and nephews. They enjoy activities such as fishing, boating, hiking, biking and reading.  Eric’s an avid fisherman and participates in regional fishing tournaments and events whenever possible.

Eric M. Hutter

Cell phone: 561-762-7560

Eric@ospreyretirement.com

www.OspreyrRetirement.com

Quote: “Leadership is not power, it is a responsibility”

As the youngest member of the firm, my efforts are focused on helping shape the vision for the future of our firm.  My day to day responsibilities include; building and maintaining our Tactical Portfolio’s, reviewing client accounts to make sure they are in line with each client’s specific set of goals. I am also head of research and development at our firm focused towards implementing new technologies to help improve efficiency and our clients’ experience. 

My greatest passion is helping others become the best possible version of themselves.  I have spent a large portion of my life coaching athletes and I bring that same enthusiasm and strategic guidance to support our firm’s advisor team as well as my clients through personal and professional journeys.  

In my personal life, family is most important to me. I recently married the love of my life, Marina, and we are excited about starting a family. We are expecting our first child in June 2019. I am a sports fanatic and have been characterized as a voracious reader (I read on average, around 30 books a year)

Scott Dickinson, CFF, is a proud 4^th generation Insurance Agency Owner and President of his family’s Insurance Agency, Republic Underwriters, Inc. Troy, Michigan, The Agency was founded in 1930. Scott is a Licensed Insurance Counselor, has a Certified Financial Fiduciary Designation, and is licensed in Property & Casualty, and Life and Health. Scott also is the Vice President of The Professional Law Enforcement Association Foundation, a 501 c(3) non-profit located in Troy, Michigan, the Foundation was founded in 2014.

Scott resides in St. Clair Shores, Michigan, and is the proud parent of Ryan and Andrew. When he is not in the office, Scott enjoys golf and sports.

Quote: “The secret to getting ahead is getting started”

I have been a financial advisor for over 33 years focused on delivering great service to my clients every day.  With all the confusion and changes within the industry, I really enjoy meeting and sharing ideas with individuals, families and business professionals to help them make sense of it all.  .  I feel the greatest satisfaction in assisting my clients in setting goals and implementing a workable plan to ensure those goals are achieved.  It is my belief that being able to truly identify with my clients has allowed me to be successful in this business.

I have been blessed with 2 children; now grown, and 2 step “children”, with my wonderful wife, Carol, who also happens to be my traveling and yoga partner.  On weekends you’ll likely find me reading, running, or relaxing at my lake cabin.

Jon Heischman, RHU, LUTCF, CSA, CLTC, CFF 

Jon has over thirty-five years of experience as a financial professional specializing in retirement planning. He is a partner in Heischman Financial Services along with this son, Jon Jr. Together they work with clients to protect and grow their assets offering advice, strategies and all areas of investments as independent advisors. 

Jon holds a Bachelors Degree from Franklin University as well as the following designations. Registered Health Underwriter (RHU), Life Underwriter Training Council Fellow (LUTCF), Certified Senior Advisor (CSA) and Certified in Long Term Care (CLTC). He is a member of the Better Business Bureau, National Association of Insurance and Financial Advisors, and Financial Service Professionals. For the past seven years, he has been the host of a radio show that airs every Sunday morning on a local radio station in Columbus, Ohio. 

In addition to many hobbies and activities, Jon and his wife, Bonnie value family time with their son, daughter and two granddaughters. 

In 1983 he began his business and insurance career in Miami, Florida.

Michael is responsible for the CHA Trust for Workers’ Compensation, the CHA unemployment program, CHA Career Services and business relations for member hospitals and health systems. He also serves as the president of CHA Financial Advisors, an insurance agency and broker dealer that provides insurance products and financial services to members.

36 year member of National Association of Insurance and Financial Advisors (NAIFA)

Qualifying and Lifetime Member of the Million Dollar Round Table (MDRT)

Chartered Mutual Fund Counselor (CMFC)

Life Underwriter Training Council Fellow (LUTCF)

Al Procaccino is a Certified Financial Fiduciary®, Certified Financial Planner™, Certified Fund Specialist®, Five Star Wealth Manager and also a former 5 Star rated Morningstar Institutional Money Manager. Al has been active in the financial services industry since 1980, helping both individuals and corporations throughout the USA to plan, invest and manage their wealth. He is also a long-standing member of the National Society of Accountants and National Ethics Association. Mr. Procaccino is the President and Chief Compliance Officer of Castle Financial, a Registered Investment Advisory Firm filed with the SEC and he also holds FINRA licenses 5,7,63,65 and 24 (General Securities Principal).

Mr. Procaccino has conducted financial, retirement and estate planning seminars for the employees of Procter & Gamble, IBM, TRW, IFF, General Dynamics, Siemens Private Communications and many other large and small companies. His work for the NJ State Chamber of Commerce earned him an honorable mention in Who’s Who. He also served as a consultant on a Merv Griffin television production documenting the stock brokerage process on the New York Stock Exchange. In addition, Al guides family firms and small business owners with legacy planning on how to pass their family values along with other non-financial assets, as well as their money and other assets, to future family generations.

Prior to Castle Financial, Mr. Procaccino directed the Retirement Group at Cowen and Company as a Partner of the global firm. He was also Vice President and Branch Manager at Dean Witter Reynolds at 5 World Trade Center in New York City and was a Senior Vice President and the Retirement Group Strategist at Oppenheimer & Company. Al holds a Bachelor of Science degree in Business Administration with a concentration in Finance, an MBA degree in Finance, and is a graduate of the College for Financial Planning. His ongoing education includes business, financial, tax and estate planning courses at a number of accredited universities and institutions. Al enjoys meeting and helping people throughout the USA from Castle’s offices in NYC, Fair Haven, NJ and Naples, Florida and feel free to visit us at www.castlefinancial.com

We are a “fee only” financial advisory firm acting in our valued clients best interests at all times.

On a personal note: Al is happily married and has been blessed with two wonderful daughters. He loves his pets and enjoys music, reading, swimming, biking, cooking, college sports, golf, model railroading, chess, supports many charities and served on the Board of Room in Our Hearts, a nonprofit organization dedicated to helping families whose homes have been affected by crisis.