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.

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.

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.

ABOUT: Don Murphy and DFM Financial

Don Murphy started his career in financial service over 30 years ago in Washington D.C.  He is the owner of Capital Asset Structuring (CAS) a successful Florida-based company founded in 1998 and DFM Financial a Florida registered life insurance and annuity business owned and operated under Capital Asset Structuring.   

Don has a wide levelof financial experience ranging from advanced life insurance and estate planning to traditional broker assignments in securities, private investments, precious metals and financial arbitrage.   He has also held various mortgage broker positions, served as a charitable advisor for two Tennessee-based foundations, designed and delivered advanced training programs for numerous financial advisors and has taught the rigorous Florida insurance agent training and licensing course.

Don has been a national conference presenter on various financial subjects including gifting strategies, trusts and retirement funding.  He has also delivered hundreds of retirement planning and financial workshops and client seminars in various locations throughout the United States including New York, Minnesota, Alabama, Tennessee, Maryland, Virginia, Colorado, Georgia and Florida.  

Don is a Certified Financial Fiduciary (CFF) and a member of the National Ethics Association and the National Association of Insurance and Financial Advisors.  Don is a resident of St. Augustine, Florida, where he resides with his wife Vicki who, until recently, coordinated the International Baccalaureate Program at Pedro Menendez High School in St John’s County, Florida. 

Bill Fjeran, CFF (Certified Financial Fiduciary) has 50 years’ experience in the Financial Services arena. He has been a consultant to several insurance companies and has trained hundreds of salespeople in Tax Qualified Plans and Employee Benefits. He has lectured widely on Tax Sheltered Annuities (403b) at colleges, universities, hospitals, and various teacher organizations though-out the southeast.

Bill has concentrated his practice on the effects of taxation – before and after retirement, legislative risk, Social Security and Medicare Tax Traps and solutions for those current and future problems.

Living in Greenville, SC for over 28 years Bill and his wife Dana of 38 years, enjoy spending time hiking, biking, and jogging in and near the Blue Ridge Mountains.